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Reviews

  • Value for Money
    1.9 (239)
  • Customer Service
    1.9 (234)
  • Timeliness
    1.9 (164)
  • Job Satisfaction
    1.8 (111)
  • Transparency
    1.8 (199)
  • Claim Resolution Time
    • <1 week (17)
    • 1-2 weeks (24)
    • 2-4 weeks (22)
    • 1-2 months (25)
    • 3+ months (44)
  • Claim ApprovedYes (94) · No (41)
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Angelito

AngelitoGreater Melbourne (Inner), VIC

  • 8 reviews
  • 2 likes

Easy and no red tapes regarding claims

published

I would like to thank this insurance for their excellent customer service and of course for processing my claims so quickly. I took me only few minutes to claim for my car repair and booked me in straight away for repair. I’m very happy that I decided to insured my car with AAMI. So for those looking for good insurance, this insurance is highly recommended. A+++

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Dave

DaveCentral Highlands and Goldfields, VIC

Unlucky I was with AAMI

published

Got renewal, agreed value had dropped a lot, premium was still the same. Took 5 minutes to search the web, got insured for 3000 more value for 300 less premium and excess dropped 150. Wish I had never signed up with AAMI.

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Sally

SallySouthwest, VIC

  • 2 reviews
  • 4 likes

AAMI are the worst insurance company I've dealt with.

published
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TMJ

TMJMelboune

  • 2 reviews
  • 3 likes

13 Months - 80k lost.

published

13 months they refused to admit my flooded car couldn't be repaired. They were just forced to scrap the car last week by AFCA. Lookup AFCA Determination 703903. They had the car for 9 of 13 months and I lost my job. These people are sick and twisted, laughing at my distress in call recordings telling me I'm being silly. You cannot trust them to assess your car, treat you like a human, you cannot trust them to update you, you cannot trust they will comply with the Privacy Act, they may conspire with manufacturers to make sure you cannot mount a defence.

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Gasoleeni

GasoleeniSouth East Queensland, QLD

10 years customer, but never again.

published

Been with the company over 10 years, no claims etc , When I was rear ended, I was at fault because I was coming from a merging lane, but apparently the law is wrong.

“Here the blue car must give way to the orange.”

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Josh wineti

Josh wineti

  • 14 reviews
  • 1 like

Great service

published

I have been with AAMI for the last 5 or 6 years, could be more. Always very helpful and great on roadside assistance. When I lodged claims they take all the pressure off. Even through these toughs times gave me a great deal and discount, being off work. Much appreciated.

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Dee

DeeCanberra

  • 4 reviews
  • 1 like

Not interested in retaining customers

published

I left AAMI after being with them for 10 years .
Got tired of getting renewals at higher rates and getting cheaper online offers from them . This is inspite of a good driver record and no claims in years. I called to get a better offer and it was still higher than the one I got emailed . I don’t know how they justify the price difference .

Years ago when I claimed, the repairs always took longer than expected yet I still stuck around. Getting tired of having no value as long customer.

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Ozdog

OzdogGreater Melbourne (Metropolitan), VIC

  • 3 reviews
  • 1 like

Good Insurance

published

I am currently an AAMI customer that is looking for new car insurance as my premiums have gone up a lot. However while on this website I have seen a lot of 1 star reviews and that does not reflect my time with AAMI. We have made three claims with AAMI over 10 years and each time they have been AWESOME. Flood damage ruined one car and they paid out within 3 days. A tree branch damage a car but no problems getting it fixed. If I do leave it is on price alone.

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Billc

BillcMetropolitan Adelaide, SA

Terrible company

published

After sixteen years with AAMI insurance and multiple policy's without a single claim, i claimed for a cracked windscreen only to be knocked back and told I would have pay $1050 in excess when it only costs $280 to replace. Very rude people to deal with on the phone, kept on hold for an hour and a half having to listen to music telling me I'm lucky to be with AAMI, I didn't feel very lucky at all, cancelled all policies

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David F.

David F.Metropolitan Adelaide, SA

con artists

published

I transferred insurance to another vehicle and they kept charging me for 2 years till I picked it up and wont refund money, it happened to two of my vehicles, 1 years policy will not end automatically

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James

JamesIllawarra, NSW

  • 3 reviews
  • 4 likes

I feel like I am being conned

published

My windscreen is smashed and needs replacing under the cover I have with AAMI. Their preferred repairer - O'Brian - cannot do it for a month, but I have the option of getting a 'fair and reasonable' priced alternative repair and be reimbursed. I have a quote for $2,300 from a local place, and a written quote for $4,000 from O'Brian.

Despite this info, AAMI will not tell me if they consider $2,300 to be 'fair and reasonable' and reserve the right to not reimburse me in part or in full. This means I either gamble or go without my car for 1 month.

The only reason I can think of that they will not tell me that my local quote is fair and reasonable is that they wish to withhold money from me.

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Phil Hicks

Phil HicksGreater Melbourne (Outer), VIC

  • 3 reviews
  • 1 like

5 stars for the person in Melbourne 1 star for the call taker in the phillipines

published

Always been with AAMI and they are great. They are competitive on price for long term customers HOWEVER. They Now have call takers in the Philippines I almost left them because of this. They are hard to understand and even thought they try they can't trully empathise with a fire that has consumed my fence.

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NATASHA

NATASHAGreater Melbourne (Inner), VIC

  • 2 reviews
  • 1 like

Excellent customer service

published

Fantastic customer service, negotiated policy pricing to my advantage. The lady was so considerate and kind with my dealings. Been with Aami for a very long time and never been let down.

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Sue

SueMetropolitan Adelaide, SA

  • 4 reviews
  • 14 likes

Very unhelpful team.

published
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Driftmedia

DriftmediaGippsland, VIC

  • 2 reviews
  • 2 likes

Simply Terrible

published

After 15 years of loyalty, I received a renewal which was nearly 20% more than previous year. In addition my AGREED Value was dropped by $7000. A quick ring around found similar insurance from competitors for around $200 less. On calling AAMI, they couldn't have been less helpful..no competitive quote, no justification for reducing an agreed value, no valuing of customer loyalty.
There goes my business with AAMI

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Jace

Jace

  • 2 reviews
  • 1 like

Worst service ever. First claim after 20 years will be cancelling all policy and moving to a no sun Corp insurer.

published
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Cindy5

Cindy5sydney

  • 9 reviews
  • 7 likes

steer away from AAMI, they only us their own repairers

published

I am shocked with the experience I had with AAMI during this car claim:

not being able to take it to my preferred repairer, have to use their repairer
the extensive delay is in acceptable (2 months and no progress)
the lady AAMI operator offered no help, rude and unprofessional, kept on interrupting the conversation and eventually hung up on me

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Worst experience

published

I had a car accident but the one who was faulty have the 3rd party aami insurance but the way aami treat to me is unbelievable, they never spoke to me just come up with a amount and post that to me through mail. I show my disagree but they not bothered that too.
I suggest dont go with aami.

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Lana

LanaGreater Melbourne (Metropolitan), VIC

Its terrible products, poor customer services, very greedy company

published

We purchased 5 policies including 2 cars and 3 houses with AAMI for many years without claim. Last year, the car has been took away by theft but I did not receive any money from AAMI. AAMI even took the access but did not attempt to contact us. We took them to the court.

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John

JohnGreater Melbourne (Metropolitan), VIC

No respect for loyalty

published

After 20 years of loyal patronage with no at fault claims the premium went up by 10% and after receiving a quote from a Competitor that was $400 cheaper I rang aami hoping to stay with them but they wouldn’t even drop their price by $50. I was hoping to stay but their customer service was pathetic.

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Page 4 of 65
See all AAMI Car Insurance reviews

Questions & Answers

ChittyD

ChittyDasked

Car Insurance - Comprehensive

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?

No answers
Wendy0707

Wendy0707asked

Car Insurance - Comprehensive

How do you decide who is at fault for collision

2 answers
Fiona
Fiona

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.

Angelito
Angelito

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

Jase J.

Jase J.asked

Car Insurance

Why is my claim review taking so long I am homless and live out the car I suffer a neurological disease that causes me to stutter AAMI thought they put the call on hold but took it off for me to hear them picking on my stutter saying nnnnooooo moooonnnnneeeyyyy fffffooooorrrrr hhhhimmmm I have contacted 2gb and am contacting channel 9 I just wanted to hurt myself after hearing the mocking and have only just been released from hospital

No answers
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Get an answer from our members and AAMI representatives

AAMI Car Insurance

Details

Underwritten by the Suncorp Network, AAMI offers four car insurance policies: CTP green slip for NSW, ACT and SA, Comprehensive, Third Party Property Damage Only, and Fire, Theft and Third Party Property Damage.

Points of praise for AAMI:

  • AAMI's top score was given for its timeliness in responding to claims.
  • Friendly and personable customer service was appreciated. Two customers reported AAMI ‘going above and beyond’ by helping them generously during times of financial hardship.
  • Multiple reviewers reported that AAMI offered to organise Ubers from the repairer to and from their homes. Others enjoyed a smooth and hassle-free experience when making claims, with quick response times from AAMI.

Pain points with AAMI:

  • AAMI’s chosen repairers and roadside-assist contractors were thought to be low quality
  • Premiums increasing considerably even with no claims being made (this increase in premiums appeared to also apply to customers who had taken out multiple policies with AAMI, e.g. home and contents insurance along with car insurance).
Compare all 4 AAMI Car Insurance
CategoryRoadside Assistance Providers and Car InsuranceRoadside Assistance Providers and Car InsuranceRoadside Assistance Providers and Car InsuranceRoadside Assistance Providers and Car Insurance
Other Insurance Types Offered Business, Health, Home and Contents, Income, Landlord, Life, Motorcycle, Pet and TravelBusiness, Health, Home and Contents, Income, Landlord, Life, Motorcycle, Pet and TravelBusiness, Health, Home and Contents, Income, Landlord, Life, Motorcycle, Pet and TravelBusiness, Health, Home and Contents, Income, Landlord, Life, Motorcycle, Pet and Travel
Coverage TypeCompulsory Third Party (CTP Green Slip)ComprehensiveThird Party Property DamageThird Party, Fire and Theft
UnderwriterAAIAAIAAIAAI
Legal Liability Cover Not IncludedIncluded up to $20 millionIncluded up to $20 millionIncluded up to $20 million
Roadside Assistance Not OfferedOptional ExtraNot OfferedNot Offered
Reduced or Zero Excess Windscreen CoverNot OfferedZero Excess Optional ExtraNot OfferedNot Offered
Choice of RepairerNot ApplicableNot AllowedNot AllowedNot Allowed
After Accident Care
Hire Car after an Incident

Not Applicable

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:

  • your car is returned undamaged;
  • your car is repaired and returned to you;
  • your claim is settled

Not Included

Not Included

Emergency Transport & AccommodationNot ApplicableIncluded 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)Reasonable taxi costs included for up to 2 journeys (applies to 'Damage by uninsured drivers' claims only)Reasonable taxi costs included for up to 2 journeys
Towing Costs Not ApplicableIncludedIncluded (only for a claim made under 'Damage by uninsured drivers'Included
Hire Car after a No Fault Accident

Not Applicable

Included - must use car by AAMI provider if available and within a reasonable distance of your location. Benefit ceases when:

  • your car is repaired and returned to you; or
  • your claim is settled

Not Included

Not Included

Essential / Emergency RepairsNot ApplicableIncluded (combined with Emergency Accomodation & Personal Property), up to $1,000 per incidentNot IncludedNot Included
Benefits
Pay As You Drive / Fixed Kilometre DiscountNot ApplicableNot OfferedNot OfferedNot Offered
Hire Car after Theft

Not Applicable

Included up to 21 days - must use car by AAMI provider if available and within a reasonable distance of your location

Not Included

Included up to 21 days - must use car by AAMI provider if available and within a reasonable distance of your location

Lock and Key ReplacementNot ApplicableNot IncludedNot IncludedIncluded up to $1,000
Transit Cover Not ApplicableNot IncludedNot IncludedNot Included
Trailer & Caravan CoverNot ApplicableTwo-Wheel Trailer Cover included up to $1,000Not IncludedNot Included
Child Safety Seats and PramsNot ApplicableIncluded up to $500 per claimNot IncludedNot Included
New-for-old Car Replacement

Not Applicable

Included, if you are the first registered owner of the car and it is less than 2 years old

Not Included

Not Included

Personal Property CoverNot ApplicableIncluded up to $1,000 (combined with Emergency Accomodation and Repairs)Not IncludedIncluded up to $500 (does not include cash, tools and items use for business or trade)
Uninsured Motorist Benefit Not ApplicableNot ApplicableIncluded up to $5,000Included up to $5,000
Accidental Loss or Damage
Malicious Damage / VandalismNot ApplicableIncludedNot IncludedNot Included
FireNot ApplicableIncludedNot IncludedIncluded
CollisionNot ApplicableIncludedNot IncludedNot Included
Natural EventsNot ApplicableIncludedNot IncludedNot Included
Theft or Attempted TheftNot ApplicableIncludedNot IncludedIncluded
Compare all 4 AAMI Car Insurance

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