Allianz vs AAMI car insurance
Tossing up between Allianz and AAMI? We've compared each insurer side by side.
Allianz and AAMI are two of Australia's most popular car insurers. AAMI offers higher benefit limits in some areas like; hire car after no fault accident, emergency repairs and personal effects coverage.
Allianz vs AAMI — compare key features
We've compared the basic comprehensive car insurance policies on offer from Allianz car insurance and AAMI car insurance. See further below for other types of car insurance offered by these providers.
Allianz Comprehensive |
AAMI Comprehensive Car Insurance |
|
|---|---|---|
| Underwriter |
Allianz Australia Insurance Limited |
AAI Limited |
| Accidental Damage | ||
| Damage to other people's car |
|
|
| Bonuses |
No |
$50 online discount |
| Roadside assistance |
No |
Optional |
| Agreed or market value |
Agreed |
Agreed or Market |
| Choice of repairer |
|
|
| Legal liability |
Yes - $20,000,000 |
Yes - $20,000,000 |
| Fire and theft |
|
|
| Storm |
|
|
| Flood | ||
| Hire car after theft |
Up to $50 per day - Until claim is completed |
Reasonable costs - Up to 21 days |
| Hire car after no fault accident |
Optional Up to $50 per day |
Optional Up to $90 per day |
| Hire car after at fault accident |
Up to $50 per day |
Limit not disclosed |
| Emergency repairs |
Up to $500 |
Up to $1,000 |
| Emergency travel and accommodation costs |
Up to $500 |
Up to $1,000 |
| New car replacement |
If your car is written off or stolen in the first 2 years |
If your car is written off or stolen in the first 2 years |
| Personal effects/property |
Up to $500 |
Up to $1,000 |
| Locks and keys replacement |
Up to $1,000 |
|
| Towing |
|
|
| Trailer cover |
|
Up to $1,000 |
| Important |
Limits, exclusions and terms and conditions apply. Read the Product Disclosure Statement. |
Limits, exclusions and terms and conditions apply. Read the Product Disclosure Statement. |
Car insurance policies on offer
Allianz offers 2 types of car insurance:
- Comprehensive insurance
- Third party property damage insurance
AAMI offers 2 levels of car insurance:
- AAMI Comprehensive
- AAMI Third party property damage
AAMI's third party property damage policy can have fire & theft car insurance added to it.
Customer reviews
Allianz has slightly better ratings than AAMI on popular review websites. However, it scored lower in our Customer Satisfaction awards. Allianz scored 4.19/5 and AAMI scored 4.32/5.
Allianz and AAMI complaints information
Using data from the Australian Financial Complaints Authority (AFCA), we can see how many motor insurance complaints the underwriters from AAMI (AAI) and Allianz have received and resolved.
| Underwriter | Complaints received | Complaints resolved at registration & referral | Referral resolution rate |
|---|---|---|---|
| Allianz | 575 | 292 | 50.78% |
| AAI | 2231 | 1370 | 61.43% |
Finder's verdict
Our expert says
"Allianz and AAMI are pretty dependable insurers with solid coverage. AAMI has a few benefits with higher limits than Allianz but if you care about having a choice of repairer, Allianz would be a better fit. We also ran a few quotes and our research suggests AAMI is cheaper on average. Everyone's circumstances are slightly different so it's worth getting a quote from both to see who is best for you."
FAQs
More resources on Finder
More guides on Finder
-
Tesla insurance costs
Teslas are more expensive to insure than traditional cars but there's ways to cut costs.
-
Mobile phone use while driving statistics – Australia
Drivers who text are 10 times more likely to crash yet a large number of Australians still do it.
-
High risk car insurance
Learn the factors that may cause you to be considered a high-risk driver and whether you might be eligible for cover.
-
Learner driver insurance
Complete guide to getting car insurance for learner drivers in Australia.
-
Extended car warranty insurance
Find out how car warranty insurance actually works and what to look for in cover.
-
Youi car insurance review
Youi specialises in offering car insurance policies tailor-made to suit the needs of different customers.
-
QBE car insurance review
Compare and review the car insurance policies from QBE.
-
Compare third party car insurance
This article runs through the ins and outs of choosing a good third party property damage car insurance policy.
-
Everyday Car Insurance review
Guide to Everyday car insurance. Compare policy features.
-
Compare boat insurance
Just like your car, you can protect your boat in the same way with insurance. Boat insurance can cover you for a range of things from personal liability and third party damage, to natural disasters and vandalism.
Ask a question