AAMI is one of Australia’s most recognized insurance brands, known for its straightforward, reliable policies and robust customer service. With a range of coverage options tailored to fit diverse needs and budgets, AAMI car insurance provides protection for Australians on the road. This guide covers AAMI’s car insurance options, benefits, add-ons, and how to get the most out of an AAMI policy.
Overview of AAMI Car Insurance
AAMI, a part of Suncorp Group, has been serving Australians for over 40 years, offering a straightforward approach to insurance. AAMI car insurance policies are designed with flexibility, making it easy for customers to choose the level of protection that fits their needs. Whether you need basic third-party coverage or comprehensive protection, AAMI offers competitive options, alongside 24/7 claims service and online tools to manage policies.
Types of AAMI Car Insurance Coverage
AAMI provides a variety of car insurance policies to meet different needs:
- Comprehensive Car Insurance: AAMI’s top-tier policy, offering extensive protection for accidental damage, theft, fire, weather events, and damage to other people’s property. This policy also includes benefits like new car replacement, hire car after theft, and emergency accommodation.
- Third Party Car Insurance: AAMI’s third-party property policy covers damage caused to other people’s vehicles or property if you’re at fault, offering essential liability protection without covering your vehicle’s damage.
- Third Party, Fire, and Theft Insurance: This mid-tier option includes all the coverage of third-party insurance, plus protection for your vehicle in the event of theft or fire damage.
- Compulsory Third Party (CTP) Insurance: Also known as “Green Slip” in some states, CTP insurance is required by law and covers liability for injuries to others in an accident. AAMI offers CTP insurance in New South Wales and Queensland.
Key Benefits and Features of AAMI Car Insurance
AAMI offers a range of benefits and features with its car insurance policies, aiming to provide comprehensive protection and peace of mind on the road:
- New Car Replacement: For cars less than two years old and driven less than 40,000 km, AAMI’s comprehensive policy provides a new car replacement if your car is written off.
- Lifetime Repair Guarantee: Repairs completed by an AAMI-authorized repairer are covered by a lifetime guarantee, ensuring quality workmanship and long-term satisfaction.
- 24/7 Claims Assistance: AAMI provides round-the-clock claims support, allowing policyholders to lodge claims anytime via phone or online.
- Roadside Assistance: Available as an optional add-on, AAMI Roadside Assistance provides help in situations like flat batteries, towing, and lockouts, offering peace of mind wherever you drive.
- Hire Car Option: If you add the optional hire car cover, AAMI will provide a rental car if your car is being repaired or replaced due to an accident.
- Flexible Payment Options: AAMI offers both annual and monthly payment options, allowing policyholders to spread out the cost of premiums in a way that best fits their budget.
Additional Optional Add-Ons for AAMI Car Insurance
AAMI offers a range of add-ons to enhance your car insurance policy and provide greater flexibility:
- Windscreen and Window Glass Cover: This add-on covers the repair or replacement of damaged windscreen and window glass, with no excess required for these repairs.
- AAMI Roadside Assist: This service includes assistance with breakdowns, flat batteries, lockouts, and emergency fuel delivery. It can be added to any AAMI car insurance policy.
- Excess-Free Glass Cover: For comprehensive policyholders, this option allows windscreen and window glass repairs or replacements with no impact on your no-claim discount.
- Flexible Excess Options: AAMI allows you to adjust your excess (the amount you pay if you make a claim), which can impact the cost of your premium. Choosing a higher excess lowers your premium and vice versa.
How to Get a Quote and Purchase AAMI Car Insurance
Getting a quote and purchasing AAMI car insurance is simple and can be done online, over the phone, or at an AAMI branch. Here’s the process:
- Visit the AAMI Website: Use the online quote tool by entering your details, vehicle information, and preferred level of coverage.
- Customize Your Policy: Select any optional add-ons you may need, such as roadside assistance or excess-free glass cover, to enhance your policy.
- Review and Compare: AAMI’s online tool allows you to review policy options side by side to see how different coverage levels and excess options affect your premium.
- Finalize and Purchase: Once you’re satisfied with the policy details, you can complete the purchase online or speak with an AAMI representative for further assistance.
Making a Claim with AAMI Car Insurance
AAMI’s claims process is straightforward, with dedicated support to help you through every step:
- 24/7 Claims Lodgement: Claims can be lodged anytime through AAMI’s online portal or by calling their support team, which is available 24/7.
- Fast and Simple Repairs: AAMI’s network of authorized repairers ensures high-quality repairs, covered by a lifetime guarantee.
- Authorized Repairer Network: When repairs are needed, AAMI connects policyholders with their authorized repairers, ensuring a faster, reliable repair process.
- Tracking Claims Online: After lodging a claim, AAMI’s online platform allows policyholders to track the claim status and receive updates.
Pros and Cons of AAMI Car Insurance
Pros:
- Comprehensive policy options, from basic third-party to full coverage
- Lifetime repair guarantee for authorized repairs
- 24/7 claims support with online claims tracking
- Flexible excess and payment options
- Reliable customer service and high satisfaction ratings
Cons:
- Some add-ons, like windscreen cover or hire car, come at an additional cost
- Premiums may be higher for drivers under 25 or in high-risk locations
Is AAMI Car Insurance Right for You
AAMI car insurance is ideal for drivers who value strong customer service, flexibility, and reliable coverage options. Whether you’re looking for budget-friendly third-party cover or a fully-featured comprehensive policy, AAMI offers coverage levels to fit your needs. For drivers who prioritize peace of mind and the convenience of 24/7 claims support, AAMI’s car insurance is a trustworthy choice.
Conclusion
AAMI car insurance provides a reliable, customizable solution for Australians seeking dependable car coverage with additional perks like lifetime repair guarantees and flexible add-ons. From comprehensive policies to basic third-party coverage, AAMI caters to a wide variety of driver needs. With a simple online process, round-the-clock claims support, and customer-focused service, AAMI remains a popular choice for Australians protecting themselves on the road.
