Not the cheapest but don't try to delay claims or repairs
Have variously switched between AAMI and RACQ for two vehicles over several years. AAMI treat claims as a "cost of doing business" rather than a "cost centre"! There are plenty of cheaper insurers, but wait until you actually have to make a claim! So if you look carefully at all the online reviews you will see that all the people giving 5 stars to other insurers are generally basing this entirely on price and have never made a claim. The main downside with AAMI is having to use their repair facility in a major city. I recently insured a Tesla ...and received quotes ranging from $890 to $2650. AAMI were around $1400 and I know there will be no fuss if I ever need to make a claim. They are yet to update Tesla vehicle prices so my car is over insured and you cannot reduce the value to the actual current on road price of the vehicle.
Good insurance, keep coming back.
I've switched back to AAMI after living in NT (with TIO Car insurance) for 3 years.
Able to get a competative price for an under 25 driver and free roadside assistance for a year.
Very easy to request a quote and all handled thru email and the website.
2016 Mazda is covered for agreed value of $21,600 with a $600 excess and yearly $686.61.
Much cheaper than other insurers for young drivers.
Had 3 not at fault claims over the past 15 years. 1st one while we were shopping in a centre someone backed into our Yaris and crushed the whole back hatch, and did a runner. Had to pay an excess because we had not proof of who did it, but car was fixed within a few days. They organised a taxi home after dropping the car at their repairer Smart Centre.
2nd accident Mercedes rear ended me, crushed back hatch in. Again fast turnaround car fixed.
3rd accident near new Mazda 3 was totally written off by a ute cutting across me head on. This clai...
Has a Positive experience
I recently had an accident resulting in a front on collision, the other driver assumed responsibility. After taking relevant photos of the relevant sites, i initiated the process to exchange of details. I soon realised that the driver had an international drivers licence. Since this was foreign territory, I immediately called AAMI to see if what information I needed. Unfortunately, the information conveyed over the frantic phone call was not explicitly clear. The other driver incidentally showed me that they had an authorised translation of the...ir international licence. After taking photos of these documentation and exchanging details I proceed to lodge my claim with AAMI. I also asked the driver for a copy of their insurance policy (this was just an extra precaution- and I understand that some drivers will not oblige). After following the routine claim lodgement process, I was charged with a $600 excess, with the assurance that if the accident was identified as not my fault it would be refunded. I chose to get my car serviced at the Peakhurst (NSW) Smart location as the one closer to me had more negative reviews in comparison. In Retrospect majority of the service centres have some form of negative reviews, I guess this is customary. I read most of the positive and negative reviews on both google and other similar review sites, and concluded that the Peakhurst location was a good bet. In my situation I was not proven wrong, they were flexible and professional and not to mention quick, handed my car in on Friday morning at 7:30am, got a SMS Saturday saying it was ready to be picked up on Monday. A caveat being it was minor crack to the front bumper. As have comprehensive cover had uber rides to and from service center, work, and hire care (and these were over multiple days to suit my convenience). I wanted to give AAMI some props and say that they did a great, professional job with my accident and I relieved that the system works.
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Read your PDS Thoroughly!
My wife had AAMI before we got married and have continued with them. She's had them for over 10 years. As a couple, we made 2 claims. One in 2017 (stolen vehicle), and 1 in Feb 2019.
The 2017 claim was pretty straight forward. Day of theft, called AAMI, paid excess and they sorted out a hire car for us. In the PDS it states that it's only for 2 weeks, and that's it. If you want to get it extended, it's unfortunately out of pocket. You can schedule your hire start date, but that's it. The car had to get re-keyed and some repairs done. The issu...e with the repairer was with the repairer (I reviewed them accordingly). Aami wasn't at fault for the lack of communication from the repairer or the time it took, so I don't blame them. Remember, Insurance companies are companies. Not friends. They're out to make money, not friends. Our 2019 claim was a no-fault accident (someone failed to give way). Again, I tried to get a hire car extended because of the North QLD floods, all repairers are busy as and if it had to go back to the same guys, it was going to take over a month. The first person I talked to didn't know about the no-fault clause in the PDS for unlimited hire car. I called again to request a different repairer closer to where the accident was and the rep. informed me of the no-fault car hire that is in the PDS. So make sure you read your PDS!
Questions & Answers
I had a trolley driver damage my car while it was parked. 'Hit and Run' situation and there is shopping centre video evidence showing what happened. However, AAMI in their wisdom have decided to deem that the excess paid to have my car repair will not be refunded on the basis that I did not provide the at-fault person's details? How could I as I was not there when this happened. Seems like a clever way to avoid the work involved in clearing me and going after the trolley-company contractor's insurance company to pay for my damages. It this not part of the Insurance service?
How do you decide who is at fault for collision
It goes by the road laws. For example, if the other person was supposed to give way and you were already in the intersection, then the other person is at fault.
Hi Wendy! Well it depends if you think fault of the other party, of course they will fight for you but it needs justification. Proof thanks
Get an answer from our members and AAMI representatives
|Category||Roadside Assistance Providers and Car Insurance|
|Other Insurance Types Offered||Business, Health, Home and Contents, Income, Landlord, Life, Motorcycle, Pet and Travel|
|Legal Liability Cover||Included up to $20 million|
|Roadside Assistance||Optional Extra|
|Reduced or Zero Excess Windscreen Cover||Zero Excess Optional Extra|
|Choice of Repairer||Not Allowed|
|After Accident Care|
|Hire Car after an Incident|
Included, up to $90 per day for unlimited days - must use car by AAMI provider if available and within a reasonable distance of your location. Benefit ceases when:
|Emergency Transport & Accommodation||Included up to $250 per claim for Transport costs, and up to $1,000 for Emergency Accomodation if you are more than 100km from home (combined with Emergency Repairs and Personal Property)|
|Hire Car after a No Fault Accident|
Included - must use car by AAMI provider if available and within a reasonable distance of your location. Benefit ceases when:
|Essential / Emergency Repairs||Included (combined with Emergency Accomodation & Personal Property), up to $1,000 per incident|
|Pay As You Drive / Fixed Kilometre Discount||Not Offered|
|Hire Car after Theft|
Included up to 21 days - must use car by AAMI provider if available and within a reasonable distance of your location
|Lock and Key Replacement||Not Included|
|Transit Cover||Not Included|
|Trailer & Caravan Cover||Two-Wheel Trailer Cover included up to $1,000|
|Child Safety Seats and Prams||Included up to $500 per claim|
|New-for-old Car Replacement|
Included, if you are the first registered owner of the car and it is less than 2 years old
|Personal Property Cover||Included up to $1,000 (combined with Emergency Accomodation and Repairs)|
|Uninsured Motorist Benefit||Not Applicable|
|Accidental Loss or Damage|
|Malicious Damage / Vandalism||Included|
|Theft or Attempted Theft||Included|
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