AAMI Car Insurance Review: Is It Right for You?

In an increasingly fast-paced world, owning a car has become an essential part of our daily lives.

Whether it\’s commuting to work, running errands, or embarking on exciting road trips, our vehicles provide us with freedom and convenience. However, as responsible car owners, we must also recognize the importance of safeguarding our prized possessions against unexpected events that can disrupt our lives and finances.

That\’s where reliable car insurance comes into play, offering a shield of protection that brings peace of mind during unforeseen circumstances. When it comes to car insurance providers, AAMI is a well-known name that has gained the trust of countless motorists in Australia. With a solid reputation and a wide range of coverage options, AAMI stands out as a reliable choice for car insurance.

In this comprehensive review, we will delve into the key features, benefits, and customer experiences associated with AAMI car insurance. Whether you\’re a first-time car owner looking for guidance or an existing policyholder considering a switch, this article aims to provide you with valuable insights to help you make an informed decision about your car insurance needs.

Join us as we explore the various aspects of AAMI car insurance, from the coverage options tailored to suit different requirements to the company\’s commitment to exceptional customer service. Discover how AAMI\’s offerings can provide you with the protection you need, allowing you to drive with confidence and enjoy the open road, knowing that you\’re well covered against the unexpected.

What is AAMI car insurance?

AAMI (Australian Associated Motor Insurers) car insurance is a comprehensive insurance policy designed to protect your vehicle against a wide range of risks and potential damages. As one of Australia\’s leading car insurance providers, AAMI offers coverage options that cater to different needs and budgets.

AAMI car insurance provides financial protection in the event of accidents, theft, damage caused by natural disasters, vandalism, and other unforeseen incidents. By paying regular premiums, policyholders can access a range of benefits and services that help them navigate the challenges associated with car ownership.

The coverage options provided by AAMI include:

  • Comprehensive Car Insurance: This is the most extensive coverage option offered by AAMI, providing protection for your vehicle against accidental damage, theft, fire, natural disasters, and malicious damage. It also includes coverage for third-party property damage and personal liability.
  • Third-Party Property Damage Car Insurance: This option covers the costs of damage caused by your vehicle to another person\’s property. It does not cover damage to your own vehicle.
  • Third-Party Fire and Theft Car Insurance: In addition to covering third-party property damage, this option offers protection against fire and theft of your vehicle.

AAMI car insurance policies may also include additional features and benefits such as roadside assistance, rental car coverage, and no-claim bonus protection. These extras enhance the overall value and convenience of the insurance coverage.

Furthermore, AAMI prides itself on providing excellent customer service, offering support and assistance when you need it most. Their claims process is designed to be straightforward and efficient, aiming to minimize the hassle and stress associated with making a claim.

Overall, AAMI car insurance aims to give you peace of mind on the road by offering comprehensive coverage, excellent customer service, and a variety of options to suit your individual needs.

Who is AAMI?

AAMI, short for Australian Associated Motor Insurers Limited, is a well-established and reputable insurance company in Australia. It was founded in 1970 and has since become one of the country\’s leading providers of car insurance, as well as other insurance products and services.

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AAMI has built a strong reputation in the insurance industry, known for its commitment to customer satisfaction, reliability, and comprehensive coverage options. Over the years, the company has expanded its offerings beyond car insurance to include home insurance, travel insurance, life insurance, business insurance, and more.

With its headquarters in Melbourne, AAMI operates nationwide, serving millions of customers across Australia. The company\’s focus on delivering quality insurance solutions and exceptional customer service has earned it the trust and loyalty of numerous policyholders.

AAMI prides itself on its user-friendly approach, aiming to simplify insurance processes and make them accessible to a wide range of customers. Through its innovative online platform, customers can easily obtain quotes, purchase policies, manage their coverage, and file claims efficiently.

Furthermore, AAMI has established partnerships and affiliations with various organizations, including vehicle manufacturers, repairers, and emergency services, to ensure a seamless and comprehensive experience for its policyholders.

Overall, AAMI is known for its strong presence in the Australian insurance market, offering a range of insurance products and services tailored to meet the diverse needs of individuals, families, and businesses. With its long-standing history and dedication to customer satisfaction, AAMI continues to be a trusted choice for Australians seeking reliable insurance coverage.

Benefits of AAMI car insurance

Features and Benefits of AAMI Car Insurance:

  • Comprehensive coverage: AAMI offers comprehensive car insurance coverage, which provides protection against a wide range of risks, including accidental damage, theft, fire, natural disasters, and vandalism. This coverage ensures that both you and your vehicle are well protected in various scenarios.
  • Collision coverage: AAMI\’s comprehensive car insurance includes collision coverage, which pays for repairs or replacement of your vehicle if it is damaged in a collision, regardless of who is at fault. This coverage is especially valuable in accident-prone areas or when driving in heavy traffic.
  • Theft coverage: AAMI\’s car insurance policies include theft coverage, offering financial protection if your vehicle is stolen. In such cases, AAMI will assist you in recovering your vehicle or compensating you for its loss.
  • Third-party liability coverage: AAMI provides third-party liability coverage, which protects you against the financial consequences of causing damage to another person\’s property or injuring someone in an accident. This coverage ensures that you are financially protected in case you are held legally responsible for damages or injuries.
  • Optional add-ons: AAMI offers various optional add-ons that allow you to customize your car insurance policy according to your specific needs. These may include options such as roadside assistance, rental car coverage, windscreen cover, and no-claim bonus protection. These add-ons provide additional benefits and enhance the overall value of your insurance coverage.
  • Safe driver discounts: AAMI rewards safe drivers by offering discounts on their car insurance premiums. If you have a good driving record with no or minimal claims, you may be eligible for discounted rates, helping you save money while maintaining comprehensive coverage.
  • Online quotes and purchase: AAMI provides a user-friendly online platform that allows you to easily obtain insurance quotes and purchase your car insurance policy online. This convenient feature saves you time and enables you to make informed decisions from the comfort of your own home.
  • 24/7 customer service: AAMI understands that emergencies and accidents can happen at any time. That\’s why they offer 24/7 customer service, ensuring that you can reach out for assistance and support whenever you need it. Whether you have questions, need to file a claim, or require roadside assistance, AAMI\’s customer service representatives are available round the clock to address your concerns.

How much does AAMI car insurance cost?

The cost of AAMI car insurance can vary depending on several factors, including but not limited to:

  • Vehicle make and model: The type of vehicle you own can impact your insurance premium. Generally, higher-value or luxury vehicles may have higher premiums due to the increased cost of repairs or replacement.
  • Driver\’s age and driving history: Younger and less experienced drivers may have higher insurance premiums as they are considered to be higher risk. Additionally, drivers with a history of accidents or traffic violations may also face increased premiums.
  • Coverage level and deductible: The type and level of coverage you choose, such as comprehensive or third-party, and the deductible amount you opt for can affect your premium. Higher coverage limits and lower deductibles typically result in higher premiums.
  • Location: Your geographical location can influence the cost of car insurance. Factors such as population density, crime rates, and the likelihood of accidents or theft in your area can impact your premium.
  • Usage and mileage: The distance you typically drive and the purpose of your vehicle (personal or business use) can affect your premium. Higher mileage or business use may result in higher premiums.
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Ways to save money on AAMI car insurance

If you\’re looking to save money on your AAMI car insurance, here are some strategies you can consider:

  • Choose a higher deductible: Opting for a higher deductible, which is the amount you pay out of pocket before your insurance coverage kicks in, can lower your premium. However, it\’s important to ensure that you can comfortably afford the deductible amount in case of an accident.
  • Maintain a good driving record: Safe driving habits and avoiding accidents or traffic violations can help you qualify for lower premiums. AAMI often offers discounts for drivers with a clean driving record, so strive to maintain a history of responsible driving.
  • Utilize safe driver discounts: AAMI may offer discounts for drivers who have completed recognized driving courses or have installed safety features in their vehicles. Check with AAMI to see if you qualify for any such discounts and take advantage of them.
  • Bundle your policies: If you have multiple insurance needs, such as home insurance or other types of coverage, consider bundling them with AAMI. Many insurance companies, including AAMI, offer discounts for bundling policies together.
  • Review your coverage regularly: Regularly reassess your coverage needs to ensure you\’re not overpaying for unnecessary coverage. If your vehicle has depreciated significantly or your circumstances have changed, adjusting your coverage accordingly can help you save money.
  • Increase security measures: Installing security devices, such as alarms, immobilizers, or tracking systems, can reduce the risk of theft or damage to your vehicle. AAMI may offer discounts for vehicles equipped with approved security features, so it\’s worth considering these additional safety measures.
  • Pay annually: If you can afford to make a lump sum payment for your car insurance premium annually instead of monthly installments, you may be able to save on administrative fees or processing charges that are typically associated with monthly payments.
  • Shop around and compare quotes: It\’s always a good practice to obtain quotes from multiple insurance providers, including AAMI, to compare prices and coverage options. This allows you to find the most competitive rates available in the market.

AAMI Car Insurance Review: Pros and Cons


  • Competitive prices: AAMI is known for offering competitive prices for car insurance, helping you save on premiums while still providing comprehensive coverage.
  • Excellent customer service: AAMI has a strong reputation for providing excellent customer service. Their dedicated customer support team is responsive, knowledgeable, and readily available to assist you with any queries or concerns you may have.
  • Wide range of cover options: AAMI offers a wide range of cover options, allowing you to customize your policy to suit your specific needs and budget. Whether you\’re seeking comprehensive coverage, third-party property damage, or third-party fire and theft, AAMI has options to cater to different requirements.
  • Easy-to-use online platform: AAMI\’s user-friendly online platform makes it convenient to obtain quotes, purchase policies, and manage your insurance online. The intuitive interface and streamlined processes ensure a hassle-free experience for customers.
  • Easy to make a claim: AAMI excels in providing a hassle-free claims experience. Their straightforward claims process makes it easy for policyholders to file claims and receive prompt assistance, ensuring a smooth and efficient resolution.
  • Discounts for good drivers: AAMI offers discounts to reward safe and responsible driving. If you have a clean driving record with no or minimal claims, you may be eligible for discounted premiums, helping you save money while maintaining comprehensive coverage.
  • Good financial strength: AAMI is a financially strong company, providing reassurance that your policy is less likely to be canceled due to financial instability. This stability offers peace of mind, knowing that your coverage is backed by a reliable and secure insurance provider.
  • Good claims experience: AAMI has a reputation for delivering a positive claims experience. Their efficient and straightforward claims process aims to minimize delays and maximize customer satisfaction when filing a claim.
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  • Some exclusions: Like any insurance policy, AAMI\’s car insurance policies come with certain exclusions. These may include specific scenarios or types of damage not covered by the policy, such as war or terrorism-related damage. It\’s important to review the policy details to understand the specific exclusions.
  • Deductibles: AAMI\’s policies typically include deductibles, which means that you will be responsible for paying a portion of the claim costs out of pocket. The deductible amount can vary depending on your policy, and it\’s essential to consider this cost when choosing a coverage level.
  • Premium increases: AAMI\’s premiums can increase over time, especially if you make a claim or experience a deterioration in your driving record. This is a common practice among insurance providers, as claims and driving history are factors that can influence premium adjustments.
  • Unable to choose your own repairer: AAMI\’s car insurance policy may come with the limitation of not being able to choose your own preferred repairer for your vehicle. This means that in the event of a claim, AAMI may direct you to their network of approved repairers, which may not align with your personal preferences or convenience.
  • Some poor customer reviews online: While AAMI has a reputation for excellent customer service, it\’s worth noting that there are some poor customer reviews online. These reviews highlight negative experiences or dissatisfaction with certain aspects of the company\’s services. It\’s important to consider a range of feedback sources when assessing an insurer\’s reputation.

It\’s important to carefully review the terms and conditions of your policy to fully understand the inclusions, exclusions, deductibles, and potential premium adjustments associated with AAMI car insurance. Assessing your specific needs and comparing them with the policy features will help you make an informed decision.


In conclusion, AAMI car insurance offers a comprehensive range of benefits and features that make it a strong contender in the Australian insurance market. With competitive prices, excellent customer service, and a wide range of cover options, AAMI aims to meet the diverse needs of car owners across the country.

AAMI\’s user-friendly online platform allows for easy quoting, policy purchase, and policy management, enhancing convenience and accessibility for customers. The company\’s good financial strength provides assurance that your coverage is backed by a stable and reliable insurer.

While AAMI has some exclusions and deductibles, as is common with most insurance policies, their good claims experience and commitment to customer satisfaction ensure a positive claims process overall.

When considering car insurance options, it\’s important to evaluate your specific needs, budget, and preferences. Reviewing the policy terms and conditions, comparing quotes, and assessing the coverage options will help you make an informed decision.

With AAMI car insurance, you can drive with confidence, knowing that your vehicle is protected against unforeseen events and that you have access to a reputable insurer that prioritizes customer service.

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