So happy with them
I have made 2 not-at-fault claims through AAMI and they have been incredible! Organised everything from tow trucks to taxis whilst on the phone to them. So kind and helpful. Very happy I paid for the hire car on my policy as I do feel that has been worth it.
A 100% recommended insurer
We had the best first insurance claim experience!
Never met with an accident before, never had to deal with insurance before. So I turned to reviews online to see how other people went about their experiences. Guess what? I only found terrible reviews and distraught experiences. Definitely gave me a few sleepless nights. I have therefore decided to share my complete experience with other first-timers like me so they aren’t as petrified of insurers as I was.
So we bought a brand new car, our most expensive purchase ever! And this P-plater ran ...into the rear end of it on Day 2! Sure enough, I got all his details - the car plate number, his driver licence photo and his phone number (note - these are imperative if you want to avoid paying excess in a no-fault claim). Called AAMI and was taken care of almost instantly. They filed a claim online, had the car booked in for repair on the very next business day. From the repairers, an Uber was booked for me to the closest Hertz car hire where a car was ready for me to drive until mine came back. Day 3, I received a call to say my car was all new again and ready to be picked up. Simply dropped off the rental, took the uber they booked for me to the repair centre and drove off like the incident never happened. Genuinely, felt like every penny of that insurance premium was worth it given how seem less the experience was. If you’re someone that’s reading this because you’re choosing an insurance company - I 100% recommend AAMI! If you are someone that is about to file your claim, please share your experienc here - GOOD OR BAD. It can really help calm someone’s nerves.
AAMI.. You can do better
My vehicle was written off on April 21st.
It was towed to an AAMI holding yard on April 23rd for assessment... I have consequently been on the phone on 3 occasions for periods of 45-60 minutes.. I was informed on May 3rd it was written off.. then supposedly transferred to the Total Loss Dept... waited 60 minutes then someone answered the phone and hung up...
I did not utter a word....
AAMI, you can do better
I actually do feel lucky.
I was involved in an accident where I wasn't at fault. Staff were really kind, caring and helpful. Car is a write off as its not worth much. Less than a week since the accident and the funds for my car are already in my account. I will be taking out a policy with AAMI for the next car I buy. I couldn't fault them. I am really happy with the service.
Dodgy premium calculation
I recently insured my new car with AAMI. When I received the policy documents, I noticed that the garaging address was that of my neighbour. I logged in to correct this and bingo, the premium went up 20%. Figuring this was a mistake, I called AAMI and was told this revised rate was correct. No, they can't tell me why as premium calculation is a commercial secret. So, I entered the same details in a quote using my other neighbour's address and this time the premium for my correct address was 26% more. The properties are identical in almost all a...spects except mine is more secure. I understand that premiums change across postcodes but the same details across a distance of 25 metres resulting is three very different premiums is outrageous. I specifically asked if they thought it reasonable that I was being charged 26% more than I would if I lived next door and was told "Yes". I have not had any claims against any sort of insurance that would affect this calculation. Apparently, if you already have a policy at your address, whether it be car, house, contents, you will be charged the AAMI policy holder loyalty penalty. This part is important: Before agreeing to any policy with AAMI, use their online calculator to find out what your neighbours would pay for the same policy. Be precise with the details. At the time of writing, the results will be displayed on the site regardless of whether you use a real email address or not. AAMI will do nothing about this difference. You will be met with an officious corporate brick wall and secrecy. On a positive note, they did reduce my policy to near the higher of the two other amounts (still 8% higher than the cheaper of the other two quotes) and that is competitive, but only for the term of the current policy. Then it goes back up. That's when I'll look elsewhere. Also positive is that they were quick to respond. I'm hoping that I never need to make a claim.
Have you ever renewed a policy with AAMI? Then you've been scammed.
It's always more expensive to renew a policy with them than to let it expire and buy a new one (and nowhere have I seen them advertise that new customers get a discount off their normal rates like some other companies do). This is how they reward customer loyalty.
You can easily confirm it yourself by doing an online quote. Try 2 different addresses - your own and your neighbour's, who hopefully doesn't have a policy with them. If your car is currently insured with them the price for your address will be higher, even if your neighbour is just another unit in the same building. In my case the difference is around 12% of the premium.
Disappointed with their service
We bought 3 policies with AAMI,but so far I couldn't access to the AAMI club and everyday saving account,communicated with them quite a few times,email not responsed,the problem is there,very disappointed with their services
Have 2 comprehensive vehicle insurance policies with AAMI, made a claim this year for minor damage caused by another vehicle whose details i had. I found the claim process quick and painless l did refuse to accept their 1st preference repairer and was escalated to a manager where i argued for another repairer l was familiar with for good work who was also a registered AAMI repairer but not promoted by AAMI. I had a hire car arranged and taxi to/from repairer. Based on my experience and I'm not someone who tolerates bad service I couldn't fault my experience and would recommend.
Only downside is their premiums increase by double digit % annually however if you call their c/s agent does have authority to reduce by 3%-5%.
Muckup on their end this time.
Been with AAMI for 7 months now, never had an issue with my payments. There's always been money in the bank, for them to deduct the payments automatically. Wokeup this morning to an email, the payments been declined for insufficient funds LOL. Checked my bank money still in it, so had to manually process the payment through. If it wasn't AAMI fault, then I apologize. Only leaves one culprit then, Westpacs been messing around with my pennies ...tsk tsk tsk.
Easy and no red tapes regarding claims
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+++
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.
Not interested in retaining customers
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.
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.
5 stars for the person in Melbourne 1 star for the call taker in the phillipines
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.
Excellent customer service
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.
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
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
Get an answer from our members and AAMI representatives
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).
|Category||Roadside Assistance Providers and Car Insurance||Roadside Assistance Providers and Car Insurance||Roadside Assistance Providers and Car Insurance||Roadside Assistance Providers and Car Insurance|
|Other Insurance Types Offered||Business, Health, Home and Contents, Income, Landlord, Life, Motorcycle, Pet and Travel||Business, Health, Home and Contents, Income, Landlord, Life, Motorcycle, Pet and Travel||Business, Health, Home and Contents, Income, Landlord, Life, Motorcycle, Pet and Travel||Business, Health, Home and Contents, Income, Landlord, Life, Motorcycle, Pet and Travel|
|Coverage Type||Compulsory Third Party (CTP Green Slip)||Comprehensive||Third Party Property Damage||Third Party, Fire and Theft|
|Legal Liability Cover||Not Included||Included up to $20 million||Included up to $20 million||Included up to $20 million|
|Roadside Assistance||Not Offered||Optional Extra||Not Offered||Not Offered|
|Reduced or Zero Excess Windscreen Cover||Not Offered||Zero Excess Optional Extra||Not Offered||Not Offered|
|Choice of Repairer||Not Applicable||Not Allowed||Not Allowed||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||Not Applicable||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)||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 Applicable||Included||Included (only for a claim made under 'Damage by uninsured drivers'||Included|
|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||Not Applicable||Included (combined with Emergency Accomodation & Personal Property), up to $1,000 per incident||Not Included||Not Included|
|Pay As You Drive / Fixed Kilometre Discount||Not Applicable||Not Offered||Not Offered||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
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 Applicable||Not Included||Not Included||Included up to $1,000|
|Transit Cover||Not Applicable||Not Included||Not Included||Not Included|
|Trailer & Caravan Cover||Not Applicable||Two-Wheel Trailer Cover included up to $1,000||Not Included||Not Included|
|Child Safety Seats and Prams||Not Applicable||Included up to $500 per claim||Not Included||Not Included|
|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||Not Applicable||Included up to $1,000 (combined with Emergency Accomodation and Repairs)||Not Included||Included up to $500 (does not include cash, tools and items use for business or trade)|
|Uninsured Motorist Benefit||Not Applicable||Not Applicable||Included up to $5,000||Included up to $5,000|
|Accidental Loss or Damage|
|Malicious Damage / Vandalism||Not Applicable||Included||Not Included||Not Included|
|Fire||Not Applicable||Included||Not Included||Included|
|Collision||Not Applicable||Included||Not Included||Not Included|
|Natural Events||Not Applicable||Included||Not Included||Not Included|
|Theft or Attempted Theft||Not Applicable||Included||Not Included||Included|
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