How to compare car insurance to find the best policy for you

With so many car insurance providers and policies on the market, dipping into the policy pool can be confusing. Use this guide for tips on how to find the car insurance that's ideal for you.

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Reviews

  • Value for Money
    1.3 (205)
  • Customer Service
    1.2 (204)
  • Timeliness
    1.3 (148)
  • Job Satisfaction
    1.1 (104)
  • Transparency
    1.2 (176)
  • Claim Resolution Time
    • <1 week (3)
    • 1-2 weeks (13)
    • 2-4 weeks (18)
    • 1-2 months (28)
    • 3+ months (43)
  • Claim ApprovedYes (63) · No (42)
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Anjali K.
Anjali K.Perth, WA

Ridiculous Customer Service!

published
Value for Money
Customer Service
Kim
Kim
  • 2 reviews

Bad customer service

published

No stars for this company. Extremely bad customer service in terms of keeping the customer informed of the status of the review of the claim. They hardly called us to update the status and if they did and we could not answer the call. When we tried to call them back it always went to the officer's voicemail and they just would not call us back. It's been more than 9 weeks since we put thorough our claim and we still don't know what's happening. No-one would call us back to give us an update! We feel we are so UNLUCKY to be with AAMI!!!

Incentivised ReviewNo
Insurance TypeComprehensive
Other Car Insurance

 
 

0.0
(1,234)

Can’t give less than 1 star.

published

1. Worthless insurance company/ Sucks money out of customer
2. Roadside assistance; need to lodge the claim beside the battery is down or forget the key inside your car.
3. Lodged a claim and need to wait weeks and weeks to get it resolved and I fixed my car and paid it from my pocket.
4. They help themselves not the customer

Value for Money
Customer Service
Car Insurance

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A B.
A B.Greater Melbourne (Inner), VIC

Avoid!! rip off. Rude customer service U don't get the service you pay need to wait 9 hours for tow truck! 1 star rating

published

Policy poor value.
Road side assistance worst experience I ever had. Rude customer service rep. Not worth paying them extra money and they will NOT provide you premium service.
Need major improvement.

Value for Money
Customer Service
michelle
michelleCentral Highlands and Goldfields, VIC
  • 11 reviews
  • 17 likes

the worst

published

I cannot believe AAMI have now gone to the number system on the phone. the recorded AAMI message and song throughout the whole time I waited was the absolute worst. I never want to hear that tune again. The reason I chose AAMI to begin with was because I could actually speak to a person, as soon as I phoned the number. We had all our insurance through them. I will now be looking elsewhere.

Value for Money
Customer Service
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We compared reviews on the Top 5 Most Popular Car Insurance Providers

If you’re looking for cheap car insurance that's also reliable, ProductReview.com.au can help. We’ve sifted through 1000s of car insurance reviews on Budget Direct, AAMI, youi, Woolworths and Australian Seniors. Simply read on for a summary of what drivers liked the most and least about these top five most viewed providers.

Avleen M.
Avleen M.1 June 2020
we-compared-reviews-on-the-top-5-most-popular-car-insurance-providers
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Karen A.
Karen A.Greater Melbourne (Inner), VIC

Scam. Unethical. Bullies. Unconscionable

published

Aami’s contract repairer undertook repairs to almost 90% of my car’s value and rendered it unroadworthy, unsafe and unsellable. It should have been written off. Now I’ve lost my car

Value for Money
Customer Service
tay
tayGreater Melbourne (Inner), VIC

worst insurance company

published

filed a claim with them was stood around over a month. still not resolved. worst insurance company. got threatened to cancel the insurance to avoid claim refusal (even though i wasnt at fault and fully covered by insuance)

Value for Money
Customer Service
ChittyD
ChittyDSydney, NSW
  • 2 reviews

Beware if you have a parked car accident

published
Value for Money
Customer Service
Other Car Insurance

 
 

0.0
(1,234)
Mat
MatAU
  • 2 reviews
  • 3 likes

AAMI Cancelations beware

published
Value for Money
Customer Service
1 comment
AAMI
Customer Service S.AAMI
Car Insurance

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Sam
SamGreater Melbourne (Outer), VIC
  • 2 reviews

Would provide a lesser star if possible.. Horrible Service with wait times...

published

Would provide a lesser star if possible.. Horrible Service with wait times... beyond a joke. Sales Q wait time 2sec... Service Q wait time more than 30mins...that explains where the focus is more for the company. All about the getting the money in.

Value for Money
Timeliness
Vasanth S.
Vasanth S.Sydney, NSW
  • 2 reviews

Worst Car insurance - Please stay away

published

I went with AAMI because of low insurance policy - Got a call from repair no parts in town for Toyota Corolla which is hard to believe and they informed it will take another 8 weeks for the parts to arrive.

I think AAMI is big SCAM it should be avoided at any cost and go with proper car insurance company

Value for Money
Customer Service
Woza
WozaCentral Highlands and Goldfields, VIC
  • 3 reviews
  • 1 like

Roadside assist is a joke .

published

Broke down 200 klms from main town had to pay full cost of tow before they would tow me .now trying to get reimbursed after many calls and transferred around for hours only after i said ive had enough and ringing the ombudsman now was told i have to wait a month .I'm about to change insurance for both cars and trailer they lost me .

Incentivised ReviewNo
Insurance TypeComprehensive
Rocco G.
Rocco G.
  • 2 reviews
  • 4 likes

Avoid AAMI and Suncorp at all costs

published
Value for Money
Customer Service
Charmaine
CharmaineMelbourne
  • 17 reviews
  • 5 likes

AAMI rip off valued customers; keep hiking up premiums

published

No accident in 40 years of driving,yet every single year AAMI increase my premium by hundreds of dollars. Every year I spend an hour on the phone trying to get the premium reduced because it’s extremely high. Cancelled insurance, putting in a massive complaint. Terrible company to deal with

Value for Money
Customer Service
Other Car Insurance

 
 

0.0
(1,234)

Horrible website

published

I fortunately haven't had to claim anything on my insurance; however, their website is absolute trash. For some reason my cover is not listed on their website and so whenever I have to update my details I have to call up and it is so frustrating. I'm definitely looking forward to leaving.

Value for Money
Customer Service
Car Insurance

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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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