AAMI Auto Insurance: Benefits, Costs, and Evaluations

Car insurance is one of those financial safety nets that most drivers hope they never need—but are grateful to have when things go wrong. In Australia, AAMI stands out as one of the most recognized and trusted providers in the space. Whether you’re navigating busy city traffic or cruising down open highways, AAMI offers a variety of car insurance products designed to help protect your vehicle, your wallet, and your peace of mind.

This article breaks down what AAMI auto insurance has to offer in 2025—from its types of coverage and claims process to helpful features, payment options, and frequently asked questions. Whether you’re insuring your first car or shopping for a better deal, here’s what you need to know.

1. Comprehensive Car Insurance: Maximum Protection for Your Vehicle

Comprehensive Insurance is AAMI’s most robust offering, covering a wide range of scenarios including:

Accidental damage (even when you’re at fault)
Theft and attempted theft
Fire damage
Storm, flood, and hail
Vandalism
Damage caused to other people’s vehicles or property

One of the standout features is the Lifetime Repair Guarantee, which ensures that if your vehicle is repaired by an AAMI-authorized repairer, those repairs are guaranteed for the life of the car (as long as you remain the owner). That’s serious peace of mind.

Other perks include:

Online Discount: Get a reduced rate when you take out a policy online.
Skilled Driver Discount: Good driving history could help you save more.
New-for-Old Replacement: If your car is written off or stolen and it’s less than 2 years old, AAMI may replace it with a brand-new vehicle of the same make and model.

✅ Tip: Use the AAMI App to manage claims, view your policy, and get updates in real time.

2. Third-Party Property Damage Insurance: Basic, Affordable Coverage

Not looking for full coverage? AAMI’s Third-Party Property Damage Insurance offers an affordable alternative. It covers:

Damage your car causes to other vehicles or property
Legal liability up to a certain limit

While it won’t cover your own car if it’s damaged or stolen, it does offer round-the-clock claim support and can be a good fit if you’re driving an older or lower-value vehicle.

Like with comprehensive policies, you can enjoy:

Discounts for online sign-up
Flexible excess and payment options
Access to the AAMI App for policy management

✅ Good to know: You can upgrade this policy with optional extras depending on your needs.

3. CTP Insurance: Mandatory but Important

Compulsory Third Party (CTP) Insurance, often referred to as a Green Slip, is a legal requirement in Australia. This insurance covers personal injuries caused to other people if you’re at fault in a car accident. It’s typically bundled with your registration in most states.

AAMI, through its parent company Suncorp Insurance, offers CTP Insurance in New South Wales and the Australian Capital Territory.

What it doesn’t cover:

Damage to vehicles (yours or others)
Damage to property
Your medical expenses (depending on the state and policy)

✅ Visit your state transport authority to check CTP requirements specific to your region.

4. Claims and Customer Support: Fast, Easy, 24/7

Accidents are stressful, but claiming shouldn’t be. AAMI has simplified the process:

Submit claims online or via the AAMI App
Upload photos, documents, and incident details
Book vehicle repairs directly in the app
Choose whether you need a rental vehicle

In most cases, you’ll receive real-time updates and can track your claim every step of the way.

✅ Bonus: AAMI’s 24/7 support ensures you can get help anytime, anywhere—even during holidays.

5. Policy Renewal and Payment Flexibility

Renewing your AAMI auto insurance policy is straightforward. You can do it:

Via the AAMI website
Through the AAMI mobile app
By setting up automatic renewal with email or SMS reminders

Payment options include:

Monthly
Quarterly
Annually

And you can choose to pay via BPAY, direct debit, or credit card. The flexibility makes it easier to budget around your financial needs.

✅ Pro Tip: Annual payments often come with a discount compared to monthly installments.

6. Updating Personal and Payment Information

Need to change your address, contact number, or billing details? No problem. With AAMI, you can manage your personal info entirely online or through the app.

You can update:

Email and phone number
Residential or mailing address
Credit card or bank account information

This ensures you always receive important policy updates, renewal notices, and claim communications without delay.

7. Frequently Asked Questions (FAQs)

📌 How do I contact AAMI for questions?

You can reach AAMI by:

Phone: Call 13 22 44
Online: Use the contact form on the AAMI website
AAMI App: Chat or message directly through the app

📌 How do I file a claim?

Just follow these steps:

Log into your AAMI account or open the app
Select “Make a Claim”
Provide incident details and any required documents or photos
Choose repair options or request rental support

You’ll be notified once your claim progresses.

📌 Can I get a quote online?

Yes! Head to the AAMI website and use the quote tool. Simply enter your vehicle and personal details to get a quick, tailored estimate with no obligation.

📌 Are monthly payment plans available?

Absolutely. AAMI allows you to choose between:

Monthly
Quarterly
Annual

You can also switch your payment method at any time via your account.

📌 How do I log in to my AAMI auto insurance account?

Go to the AAMI homepage, click on “Login”, and enter your credentials. Once in, you can view policy details, make claims, update information, and renew coverage.

📌 Who underwrites AAMI Auto Insurance?

AAMI Auto Insurance is underwritten by AAI Limited, part of the Suncorp Group—one of Australia’s most prominent financial services companies.

Final Thoughts

AAMI Auto Insurance is designed with both flexibility and convenience in mind. Whether you need comprehensive protection, affordable third-party coverage, or simply want to meet legal CTP requirements, AAMI offers clear, reliable, and user-friendly options.

From digital policy management and online discounts to the lifetime repair guarantee, AAMI continues to position itself as a customer-first provider in the Australian insurance market.

✅ If you’re shopping for insurance or reviewing your current plan, visit AAMI.com.au for up-to-date information, tools, and personalized quotes.