Up to $1,000 covered for locks and keys. Some providers only cover up to $500.
With lots of customisation options, drivers can tailor cover to suit their needs
If you have low mileage, ahm's Pay As You Drive Cover could save you up to 30%
Cons
Of the 30 car insurance policies we compared, ahm's was more expensive than most
Up to $500 covered for personal items - some providers offer up to $1,000
There's no option to extend hire car cover after an at-fault accident
How does ahm compare with other car insurers?
ahm's comprehensive car insurance sits around the middle of the pack. Its pricing excludes it from being a cheap car insurer yet it limits remain lower than some higher-end car insurance providers.
Cost research for the 2024 Finder Awards found that, on average, ahm's comprehensive car insurance policies cost $1,469 a year. That's $106 higher than the industry average of $1,362.
The below table is based on quotes from a fictional driver and your own quotes will differ.
Keep in mind, the best car insurance for you may depend on more than just price.
Ahm offers a broad range of optional add ons that allow drivers to customise their policies to better suit their specific needs. They include -
Pay as you drive cover - Cheaper cover for drivers who don't drive frequently, or far
Roadside assistance - A 24/7 recovery service to help get back you back on the road
Hire car - Add on a hire car if you ever claim for theft or damage to your vehicle
Kanga cover - ahm will repair or replace your car, excess free, for one animal collision a year
Sports gear cover - Up to $3,000 to cover sports equipment while it's in or on your car
Excess free windscreen - Get your windscreen repaired or replaced, excess free, once a year
FAQs
ahm is underwritten by The Hollard Insurance Company Pty Ltd.
You can call ahm on 1300 518 049, 8am - 6pm Monday to Thursday AEDT and 8am - 5pm Friday AEDT. If you need emergency assistance, you can call (+61) 2 4062 8737 24/7.
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 239 Finder guides across topics including:
Personal finance
Personal insurance, including car, health, home, life, pet and travel insurance
Car insurance cover notes are no longer available in Australia. Read on to learn why and what your alternatives are.
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