?
? !

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.

Read now
Buying Guide Banner

Reviews

  • Value for Money
    1.8 (243)
  • Customer Service
    1.8 (242)
  • Timeliness
    1.8 (175)
  • Job Satisfaction
    1.8 (125)
  • Transparency
    1.8 (207)
  • Claim Resolution Time
    • <1 week (19)
    • 1-2 weeks (21)
    • 2-4 weeks (25)
    • 1-2 months (29)
    • 3+ months (43)
  • Claim ApprovedYes (95) · No (42)
Previous
Next

Reviewer Photos & Videos

  • Thumbnail
  • Thumbnail
  • Thumbnail
  • More
    Thumbnail

Providing misinformation

published

I bought comprehensive insurance with roadside assistance two weeks ago. I received 3 weeks to pay my policy.
Anyway, when I ask about roadside assistance AMMI says roadside policy activate after payment has made and claiming is stated in PDA.
Also, give me a lecture about customer responsibility for reading every letter of PDA.

When I ask them to refer the PDA not able to point any condition (spending 20 min on the phone).
The service representative was rude and not apologising giving miss information either.

Then talk to the supervisor, she gave me a lecture it is common knowledge and frequently ask question without referring to correct place in PDS.

Value for Money
Customer Service
Adrian A.

Adrian A.Sydney, NSW

The worst insurance company ever!!! ZERO STAR!

published
Value for Money
Customer Service
Punky

Punky

  • 16 reviews
  • 4 likes

Not the cheapest but don't try to avoid or delay claims.

published
Value for Money
Customer Service
Car Insurance

Find out how AAMI Car Insurance compares to other Car Insurance

Know better, choose better.

Compare all

Very rude customer service

published

Mine 3 insurances are with AAMI. Called this morning for a query. Answer was very rude and when I remind her that I am a customer and have full rights for the query. No apologies only tone bit a bit normal

Customer Service
Job Satisfaction

Lack of transparency

published

Was involved in a no fault accident, car was deemed by AAMI to be a write off. Enquired if I can get my registration money back, and they responded saying that it is a Queensland transport law that the insurance will take the registration money. Went to Queensland transportation department to enquire, they said there is no such policy, and they managed to refund the car rego as it has not been transferred yet.

Value for Money
Customer Service
Related Articles
Previous

Best Super Funds in 2020!

A good super fund can make a substanial difference to the amount you retire with. From retail super funds to self managed super funds, view reviewer ratings for the best super funds of 2020!

Wendy Z.
Wendy Z.7 Nov 2019
best-super-funds-in-2020

Best Credit Cards in 2020!

Whether it's the sign up bonus, rates and fees, or reliable customer service that you look for in a credit card, a credit card is often used everyday, so it's important you choose one that meets your needs and that you're happy with. These are the best credit cards this year, as decided by ProductReview.com.au reviewers.

Wendy Z.
Wendy Z.19 Nov 2019
best-credit-cards-in-2020

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
Next

0 STAR. 0 STAR

published

Very bad service, and no one give a crap about you and your service. All the call centre is whole joke. And no one can do something you required. No one cares. If you want insurance. Go somewhere else

Value for Money
Customer Service
Similar opinion? Write a review on ProductReview.com.au!

The reviewer stated that an incentive was offered for this review

Lynette gray

Lynette gray Sydney, NSW

Worst claims service

published

It has taken 6 weeks to try and resolve our small claim. It has taken their preferred repairer a month to get his quote to AAMI. No one will assist us you talk to a different person in their call centre every time. Still no resolution just a load full of stress and nobody cares. We will now be cancelling our three policies and going elsewhere. Don’t believe their advertising it’s a load of rubbish AAMI don’t care about their customers pay the premium and you are on your own at claim time

Incentivised ReviewNo
Insurance TypeComprehensive

Absolute garbage service

published

When you ring your on hold for at least an hour to be hung up on or taken to a message recording, done with them and will now go elsewhere

Customer Service
Timeliness
STG

STGSouthwest, VIC

  • 2 reviews
  • 3 likes

If can review minus stars would have done so

published
Value for Money
Customer Service
Car Insurance

Find out how AAMI Car Insurance compares to other Car Insurance

Know better, choose better.

Compare all
Saru S.

Saru S.Sydney, NSW

Never Ever go with them !!

published

They are taking more than a month to do minor repair. They keep lying saying it will be ready by next Friday but that next Friday never comes! Ridiculous Service!

Incentivised ReviewNo
Insurance TypeComprehensive and Compulsory Third Party
Harry

HarryGreater Melbourne (Outer), VIC

  • 4 reviews
  • 5 likes

Worst car insurance in market

published
Value for Money
Customer Service
Cos

CosGreater Melbourne (Inner), VIC

Number on Address... Wow what a difference

published

Don't go near this mob. I had numerous insurance policies and considered myself a loyal customer. Went online for new insurance policy for a car mistakenly typing the number address next door to mine and it comes in at $100 cheaper, than if you put in your home address. Put in address next door on the opposite side..still $100 cheaper. You put in your correct address and they hit you for an extra $100 more. Explanation for this is that possibly my house is in a Higher Risk area. How gullible do they think we Customers are. More like Already a customer so don't have to offer a competitive price. They've lost me

Value for Money
Customer Service
fmahdi44

fmahdi44Sydney, NSW

You are never lucky with AAMI

published
Value for Money
Customer Service
Paul J.

Paul J.Greater Melbourne (Outer), VIC

Shonky.

published
Value for Money
Customer Service

Useless service.

published

I have used aami for almost 2 years now, My direct debit failed and I called and fixed it up. They said it was fixed and I wouldn't have any further issues, however I got an email today stating that my cover has been cancelled due to failed payments.

Absolutely useless service I will never deal with them again

Value for Money
Customer Service
Car Insurance

Find out how AAMI Car Insurance compares to other Car Insurance

Know better, choose better.

Compare all
Page 1 of 79
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
See all AAMI Car Insurance questions

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
Visit official website

ProductReview.com.au has affiliate partnerships. These do not influence our content moderation policies in any way, though ProductReview.com.au may earn commissions for products/services purchased via affiliate links.