neutral Comprehensive Car Insurance Covers accidental loss or damage to your car, as well as damage your car causes to other people’s vehicle and property. Save $50 WITH A FIRST YEAR ONLINE DISCOUNT More about first year online discount Get a quote /secure/comprehensive-car-insurance-get-a-quote Retrieve an existing quote /secure/car-retrieve-quote Skip the queue and do it online neutral Make a claim /secure/claim-online Add a driver /secure/login Update registration /secure/login Renew my policy /content/aami/pay-or-renew View / update policy /content/aami/update-policy Get documents /secure/online-services-docs-hub Cancel my policy /content/aami/update-policy?Cancellation=true id hero target-scope-name hero /content/aami/fragments/di/banner https://www.canstar.com.au/car-insurance/ center full center We've won Canstar's 2026 Outstanding Value Car Insurance awards. center Lucky you’re with an award winner AAMI is proud to be recognised as Canstar’s Outstanding Value Car Insurance provider for Australia. Our commitment to delivering comprehensive coverage and competitive pricing has earned us National and state-based awards. id awards neutral tick correct Accidental damage We’ll repair or replace the damaged parts of your car up to your vehicle’s market value (if chosen) or amount covered. What's covered tick correct Weather events You’re covered for damage caused by storm, hail, fire (including bushfire) or floods. What's covered tick correct Hire car for not-at-fault incidents If your car is damaged in an incident that wasn’t your fault and you can provide the full details of the at-fault driver and their vehicle, we’ll provide a temporary hire car while repairs are being made. More about hire car for not-at-fault incidents What's covered tick correct Modifications and accessories Your policy includes the value of any accessories and modifications that are fitted to your car, with no need to list them on your policy. More about modifications and accessories covered What's covered tick correct Damage to other people’s property If you accidentally damage someone else’s car or property using your car, we’ll cover you for up to $20 million. What's covered cross secondary Wear, tear and gradual deterioration It's your responsibility to keep your car well maintained and in a good, safe and roadworthy condition. A claim may be affected if damage occurs because of lack of maintainance. What's not covered cross secondary Mechanical and electrical breakdown Your car isn’t covered for any electrical failure or a mechanical breakdown, except with specific benefits which you can add with optional AAMI Roadside Assist. More about AAMI Roadside Assist What's not covered cross secondary Wilful damage We don't cover any intentional acts of damage to your car caused by you or anybody authorised by you to operate your car. What's not covered cross secondary Theft or damage to an unlocked car If your car is left unlocked with the keys inside, then any resultant theft or damage won’t be covered. What's not covered cross secondary Test drives We don’t cover loss or damage to your car during test drives for private sale unless you or another listed driver are a passenger. What's not covered cross secondary Unlicensed driving Your car’s not covered if it’s driven by someone without a valid license, unless you weren’t driving at the time and can establish no knowledge or involvement in the driving or incident. What's not covered cross secondary Unregistered cars We don’t cover loss or damage to unregistered cars, unless the cause of the incident was not a result of the car being unregistered. What's not covered center This information is a summary only. For more info on what is and isn’t covered, including terms, conditions and exclusions, read the Product Disclosure Statement (PDS) . id whats-covered What's optional With AAMI, you can add optional covers to your policy for an additional premium – while you're getting a quote, midway through your policy term or at renewal^. neutral AAMI Roadside Assist Get help 24/7 Australia-wide if your car breaks down and you need to be towed. More about AAMI Roadside Assist Explore Roadside Assist /car-insurance/comprehensive/roadside-assist Windscreen and window glass Pay no excess for one claim per year on windscreen, glass or sunroof repairs or replacements for an incident covered by your policy. Explore Windscreen & window glass /car-insurance/comprehensive/windscreen-cover Hire car after an incident Enjoy the convenience of a hire car when your car’s out-of-action because of an incident, even if it’s your fault. Plus, we’ll handle the insurance on the hire car so you don’t have to. Explore Hire Car /content/aami/car-insurance/comprehensive/hire-car center Get a quote /secure/comprehensive-car-insurance-get-a-quote id whats-optional center Other benefits vertical center Ways to save /content/aami/fragments/tabs/other-benefits/ways-to-save AAMI Flexi-Premiums® Excess /content/aami/fragments/tabs/other-benefits/aami-flexi-premiums-excess-2 Lifetime Repair Guarantee /content/aami/fragments/tabs/other-benefits/lifetime-repair-guarantee id other-benefits Looking for something else? Third Party Car Insurance Cover for damage you cause to other people’s car or property. Explore Third Party Property /content/aami/car-insurance/third-party-property Compulsory Third Party (CTP) Insurance Cover for injuries you cause to other people. Explore CTP Insurance /content/aami/ctp-insurance id something-else soft What is Comprehensive Car Insurance? Comprehensive Car Insurance provides cover for accidental damage to or theft of your car, as well as cover for liability for damage your car has caused to other people’s vehicles and property. Because it covers events like collisions, theft, fire and more it can help you get back on the road. It’s a broader type of coverage than Third Party Property Damage Car Insurance . For more info on what is and isn’t covered, be sure to read the Product Disclosure Statement . id what-is-comprehensive Frequently asked questions AAMI Comprehensive Car Insurance block true suncorp:AAMI/products/motor/car/comprehensive-car More Car Insurance FAQs /ask-aami/car-vehicle id faqs Helpful Articles Explore AAMI’s articles on car insurance. Read all AAMI informed articles /content/aami/aami-informed Paying your car insurance monthly vs annually Unsure if you should pay your AAMI Car Insurance monthly or annually? Here are some pros and cons of both - plus info on how to adjust your payments. Read more /content/aami/aami-informed/on-the-road/paying-car-insurance-monthly-vs-annually Understanding amount covered and market value Insurance jargon can be tricky to navigate. When you’re shopping for car insurance, there are two terms that can prove especially confusing. Read more /content/aami/aami-informed/on-the-road/amount-covered-vs-market-value How does new for old car replacement work? In love with your brand-new car? Find out how AAMI’s new for old replacement cover can offer you a brand-new replacement if your vehicle is stolen or written off in an accident. Read more /content/aami/aami-informed/on-the-road/new-for-old-replacement Types of car insurance in Australia: How to tell what type you need Not sure what car insurance you need? Discover the different types of car insurance in Australia, including CTP, third party and comprehensive cover. Read more /content/aami/aami-informed/on-the-road/what-kind-of-car-insurance-do-i-need id helpful-articles Disclaimer ^Optional cover benefits are subject to the terms, conditions, limits, and exclusions of the insurance policy. You can’t add optional covers after an incident and have damage or loss covered for that same incident. Optional covers must be added to your policy before the incident you’re claiming for. Please refer to the PDS for more information. id disclaimer