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
-
Cheap car insurance in Australia – November picks
Here's a guide to getting affordable car insurance that will still cover the essentials.
-
Car registration Victoria
Find out how to get your car registration transferred in Victoria.
-
NRMA roadside assistance options compared
NRMA offers 3 levels of roadside assistance. We’ve compared the pricing and features of them all in this article.
-
Youi vs Budget Direct car insurance
A side by side comparison of Youi and Budget Direct car insurance including expert analysis of pricing, features, complaints and reviews.
-
When can you drive an unregistered vehicle legally?
Here's when you can and can't drive an unregistered vehicle legally.
-
Blue Slip NSW
Your guide to Blue Slips.
-
Rideshare car insurance
Find out what car insurance options are available for rideshare drivers, including Ubers.
-
Learner driver insurance
Complete guide to getting car insurance for learner drivers in Australia.
-
Ryno enthusiast car insurance
Read the detailed review on classic car insurance specialist Ryno.
-
Car insurance cover notes explained
Car insurance cover notes are no longer available in Australia. Read on to learn why and what your alternatives are.
Ask a question