Finder makes money from featured partners, but editorial opinions are our own.
AAMI car insurance review
With strong cover and reasonably-priced policies, AAMI performed well in the 2024 Finder Awards. However, some popular benefits are missing and cheaper options are available.
AAMI is a Finder award winning insurance provider who offer a wide range of extra inclusions that you can add to your policy. Read on to find out if AAMI car insurance, that took out out the 2023 Customer Satisfaction Awards with 'Car Insurance - NSW' - Winner and 'Car Insurance - National' - Highly Commended is right for you.
Our verdict
Pros
Accessories and modifications are covered as standard on comprehensive policies.
Cover for personal effects is generous - Up to $1,000
Get a 10% discount if you take the AAMI Skilled Driver Course
Cons
You can't choose your own repairer, which could be inconvenient for some drivers
Your policy will be more expensive if you want to pay monthly
No cover for key replacement, which is commonly offered by other insurers
How does AAMI compare with other car insurers?
AAMI offers a good level of cover at a reasonable price. While some common benefits are missing, this is reflected in the cost of policies.
You'll get access to a wide range on add-ons with an AAMI policy, including:
Hire car after an incident. AAMI will provide Up to $90 per day for a hire car if your car is out of action due to an event or incident - even if it's your fault. Cover lasts until your claim is settled or you get your car back.
Windscreen & window glass cover. Add this cover to your policy and you won't have to pay an excess if you need repairs or a replacement of your windscreen, window glass or sunroof. Only one excess-free claim per year.
Roadside assist. Add roadside assist to your policy for 24-hour unlimited callouts. Cover includes help for flat tyres and batteries, lost or locked-in keys, and towing.
What's not covered with an AAMI Car Insurance policy?
There's a fair bit covered with an AAMI policy, but there's some things that are missing including:
Roadside assistance: Some insurers offer this as a free inclusion on policies, but with AAMI you'll have to pay a little bit extra.
Choice of repairer: Also a feature included with some other insurers, AAMI won't let you choose you repairer. If you have a family friend mechanic, you probably won't be able to nominate them to fix your car.
Remember, the cost of car insurance is influenced by a broad range of factors including age, location, vehicle, and driving history. Your quote will differ and the above should be used as a guide only.
Each year, our experts and insights team asks Australians to score their car insurance provider. As part of the Car Insurance Customer Satisfaction Awards for 2023, we asked over 5,700 Australians to rate their car insurer on value for money, features and benefits, ease of application and customer service. Of the 15+ insurers scored, these were the top 5. See our methodology for how each provider was scored.
Easy to use app, low premiums, easy to understand policies
Vanessa, WA
Good value for money and friendly, helpful customer service
Steven, SA
If you have a claim be prepared to spend up to two hours on hold
Waldo, QLD
There is no doubt that AAMI is a little more expensive, however you know the claims experience is hassle free and it is backed by a major QLD company
Anon, QLD
Have claimed with them in the past and their service was outstanding. Premiums are competitive and easy to understand their policies
Anon, QLD
"Prior to signing up with AAMI, my comprehensive car insurance exceeded $1,000 annually. After a brief market comparison, I noticed AAMI offered the most competitive rate. The quote and policy acquisition process was simple and easy to navigate, and resulted in cost savings of almost $400 per year! I've been with AAMI for nearly five years now, and have only made one claim. It's important to note that the policy limits your choice of repair shops. This is a factor to consider when evaluating your insurance needs. However, AAMI offers a streamlined claims process, allowing you to file online or by phone. Their customer service team are really responsive and the claims experience was really smooth."
Jamie Wise
Finder crew member
Compare AAMI's car insurance policies
Congratulations, AAMI!
AAMI received the following awards in the 2023 Customer Satisfaction Awards:
Information from the State Insurance Regulatory Authority shows that AAMI accepted 94.7% of CTP claims. This was below the average of 96.7%.
However, a representative from AAMI told Finder that there is no data available on claims acceptance rates for its comprehensive car insurance.
Yes. AAMI has a Safe Drivers Rewards Program which offers discounts and incentives to comprehensive car insurance policy holders each consecutive year they're with AAMI and don't make a claim. Discounts can reach a maximum of 15% off car insurance and 25% off roadside assist.
AAMI has been owned by Suncorp since 2007.
AAMI has a 24/7 claims process that you can do completely online, or with their app. You can take photos and upload documents related to your claim and track the process from start to finish.
Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds. See full bio
Nicola's expertise
Nicola has written 234 Finder guides across topics including:
Personal finance
Personal insurance, including car, health, home, life, pet and travel insurance
This article will tell you about the features of motorcycle insurance, including how you should prepare for the quirks of travelling in Australia’s biggest state with the world’s most isolated capital city.
hi my name is REHAN
i have a car insurance of my car in melbourne
1DS1AY
i want to cancel it immediately please tell me the procedure as i am overseas in pakistan
and all the hidden costs to it
i will be grateful to u
Finder
RichardApril 4, 2016Finder
Hi Rehan,
Thanks for your question. According to the product disclosure statement (PDS), you may cancel this policy at any time. You will be refunded the unexpired portion of the premium, less the cancellation fee and less any non-refundable government charges if the, refund is more than $10.
I hope this was helpful,
Richard
alpeshFebruary 5, 2016
Hi…I taken insurance but still not debit premium amt from my account so want to check is it activate or not???
Thank you
Finder
RichardFebruary 9, 2016Finder
Hi Alpesh,
Thanks for your question. You’ve contacted finder.com.au, which is an Australian financial comparison service. You will need to contact AAMI directly by calling 13 22 44.
I hope this was helpful,
Richard
candiceSeptember 30, 2015
Hi. I already have comprehensive car insurance with aami, but I would now like to add road Side assistance. How can I do that?
Finder
RichardSeptember 30, 2015Finder
Hi Candice,
Thanks for your question. finder.com.au is a comparison service and not an insurer. You’ll need to contact AAMI directly on 13 22 44 and have it added as an optional extra.
I hope this was helpful,
Richard
LesleyannNovember 20, 2014
change detail on my account
Finder
ShirleyNovember 21, 2014Finder
Hi Lesleyann,
Thanks for your question.
Please get in touch with AAMI directly to change any personal details. finder.com.au is an online comparison service, so we don’t have any access to personal information or accounts.
Cheers,
Shirley
How likely would you be to recommend Finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
Important information about this website
finder.com.au is one of Australia's leading comparison websites. We are committed to our readers and stands by our editorial principles
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
We make money by featuring products on our site. Compensation received from the providers featured on our site can influence which products we write about as well as where and how products appear on our page, but the order or placement of these products does not influence our assessment or opinions of them, nor is it an endorsement or recommendation for them.
Products marked as 'Top Pick', 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product. You can learn more about how we make money.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
hi my name is REHAN
i have a car insurance of my car in melbourne
1DS1AY
i want to cancel it immediately please tell me the procedure as i am overseas in pakistan
and all the hidden costs to it
i will be grateful to u
Hi Rehan,
Thanks for your question. According to the product disclosure statement (PDS), you may cancel this policy at any time. You will be refunded the unexpired portion of the premium, less the cancellation fee and less any non-refundable government charges if the, refund is more than $10.
I hope this was helpful,
Richard
Hi…I taken insurance but still not debit premium amt from my account so want to check is it activate or not???
Thank you
Hi Alpesh,
Thanks for your question. You’ve contacted finder.com.au, which is an Australian financial comparison service. You will need to contact AAMI directly by calling 13 22 44.
I hope this was helpful,
Richard
Hi. I already have comprehensive car insurance with aami, but I would now like to add road Side assistance. How can I do that?
Hi Candice,
Thanks for your question. finder.com.au is a comparison service and not an insurer. You’ll need to contact AAMI directly on 13 22 44 and have it added as an optional extra.
I hope this was helpful,
Richard
change detail on my account
Hi Lesleyann,
Thanks for your question.
Please get in touch with AAMI directly to change any personal details. finder.com.au is an online comparison service, so we don’t have any access to personal information or accounts.
Cheers,
Shirley