AAMI Car Insurance

I have had the most terrible experience with aami and its still going. Unfortunately woke up on my day off to someone who had drunk drove into my driveway totally 2 mechanically sound cars. Obviously i have a police report number to give aami so they can do their jobs and go through police departments to access the mans name to wavier the excess… Read more

also considering they were stationary cars. The run around that aami has put me through has been inane for 3 months they kept lying and saying the report number isn’t correct its doesnt exist to then myself stating i have a video of police in my driveway making the report on their tablets as well as the crash at 2am mind you then they say oh found it. To then say oh we cant access it due to your names not being on the report……The reason you access the report is for the mans name that drove into my car. Why on earth would my name be on it? I did drive through my own driveway and total my cars? Ridiculous the lies and games and the audacity to ask for me to go down and contact the police myself? What do i pay them for? Dont go to Aami they dont do their jobs for people that are victims in crashes. The amount of emotional and financial stress they have out me under is immense.

​I have been a loyal policyholder for year, but the moment I actually needed to file a claim,aami ,Insurance completely failed me. ​The customer service was non-existent. After submitting all the required documentation, my claim sat in "under review" status for weeks with zero updates. Whenever I called to get a status check, I was bounced between… Read more

representatives who gave conflicting information, made promises for callbacks that never happened, and treated me like a hassle rather than a paying customer. ​When they finally processed the claim, they denied the vast majority of the payout based on obscure, convoluted policy fine print that was never clearly explained. Getting an emergency repair covered should not feel like an adversarial court battle. ​Save yourself the headache and money. They are quick to take your monthly premiums, but vanish the second you need them to honor their end of the contract. Absolutely terrible experience.

Extremely disappointing experience with AAMI We contacted AAMI after a no-fault accident, providing all the details of the at-fault driver. Unfortunately, AAMI opened the claim against our own policy rather than pursuing the at-fault driver’s insurer, NRMA. We subsequently found ourselves being directed to AAMI’s preferred repairers, despite… Read more

expressing our preference to have the claim lodged with NRMA. What followed was an incredibly frustrating experience involving at least 10 phone calls, with conflicting information from different AAMI representatives. We were repeatedly told different things, including that AAMI needed the at-fault party’s claim number, which we had provided.

We were then told that AAMI had lodged the claim against our policy and that, if we wanted to proceed through NRMA, we would first have to cancel the AAMI claim, which could take up to 14 days.

To make matters worse, the phone connection is often terrible and we were disconnected several times. AAMI tells customers that these matters can be managed online, yet when you log into your account you are simply told that you must call.

This has been an unnecessarily complicated and exhausting experience. A straightforward no-fault accident has turned into hours of phone calls, conflicting advice and considerable frustration.

We are extremely disappointed with AAMI and will be changing insurance companies as soon as possible.

'Lucky your're with AAMI." Lucky I'm not. I had a 50 minute phone call to AAMI about a claim put to them by a customer who caused damage to a mobility scooter. I spoke to AMMI's friendly Filipino call centre person, who quickly realized reading… Read more

from the script did not fit the circumstances. He said he'd transfer me to someone who could help. Another 43 minute wait and I gave up, of course, as they would wish. Buy AAMI's hype, but you won't get AAMI's service. It's MIAA.

overpriced insurance – absolutley ovverpriced by miles and miles........have an old camry.....about 19 years old......no accidents in over 30yrs........very old car......3rd party.....over $500 dollar bill.......seems way too much...its what i expect for a fully insured car of this age......love to see a royal commssion investigate the insurance industry Show details

Lucky, not with AAMI – I have had insurance with this company for 20yrs. My premium has gone up by $400 this year and agreed value has dropped $3,000 with nothing extra offered in the policy. Calls are outsourced and no justifiable rationale was provided- after… Read more

negotiating a $4 reduction I found a different provider offering the same coverage for $500 less so I’ve switched. No loyalty to customers and not competitive.

I wish to offer my grateful thanks to a young man at AAMI for supporting me after my car was clipped by a truck travelling south onto the harbour bridge. The truck broke my side mirror and I didn’t realise how bad it was until I was on the bridge itself, when the glass part suddenly fell hanging by the wires. It was also in a storm and pouring… Read more

rain, and I became pretty distressed as I couldn’t pull over on the bridge. I pulled up just near Clarence Street. As it had been a very distressful 2 years for me from the sudden death of my husband and then only a week before the very tragic unexpected death of a young girl who was a huge part of our family. She died very suddenly from a heart attack, and we were all still grieving.

So I was feeling pretty vulnerable and in a bit of shock not knowing what to do. So thought to ring AAMI roadside assist to see what they might suggest. However they put me through to claims, as roadside assist is only for mechanical work.

I was incredibly fortunate to then speak to a young man with AAMI who seemed to understand straight away and was absolutely brilliant, helping me to work out “a plan” not to think of costs or any other issues but to be safe and stay focused. I the shock too was showing, as he spent a substantially long time on the phone talking with me, helped me to stay calm, and guiding me on working it all out. I cannot thank him enough as he was a gentleman and the perfect person to talk to, helping me to regain composure one step at a time.

He managed to find some people working in a local gym who he spoke to and they then came to my car and taped the mirror back in place so the car was drivable.

This is astonishing service that honours what they advertise creating trust and loyalty. Much more than just an insurance company. It’s when the world causes something incredibly distressful that just might be seen as a minor pin that drops, but you just need a guiding hand to be reassured and bring one back to being in control. I wish to thank this young man again so much for helping restore my faith in humanity after a few very tough years.

I used AAMI for my CTP car insurance the last time I registered my motor vehicle and they acknowledged my choosing them by sending me a letter to thank me for trusting them. I used YOUI the time before and I heard nothing. AAMI may have better customer relations than what YOUI do by evidence of this. Good work by AAMI and I will probably use them when I register my vehicle in future. Show details

Well I've heard horror stories about insurance companies BUT I recently had a accident and aami was absolutely amazing,and carl my agent who I spoke to ,what a professional he was ,I would highly recommend aami,I've been driving for 45 with out incident, remarkably quick and helpful, I'm totally impressed well done aami Show details

Extremely Disappointing Experience I am extremely disappointed with AAMI and the way my claim was handled. My experience with AAMI has been incredibly stressful and frustrating. The communication was poor, and I did not feel that I was being treated fairly as a customer. What makes this even more disappointing is the way the excess was handled.… Read more

I was not given a clear and transparent explanation about the excess from the beginning, and I was left feeling that important information was only being made clear after I had already proceeded with the insurance process.

When you take out insurance, you expect the terms, costs and excess to be clearly explained from day one. Customers should not have to discover important conditions only after making a claim.

Overall, this experience has completely damaged my trust in AAMI. I expected professional service and support when I needed it most, but instead I was left frustrated and disappointed.

Based on my experience, I would not recommend AAMI to anyone looking for an insurer they can genuinely rely on.

@aami soo disappointing- 7 years comprehensive cover and never a claim. Hit a wallaby and put my car in july 17 for 2 weeks while on holiday and told it should only take a week- came back and its now august 30 - still waiting $1200 in car hire fees- no call back from aami when asked if i could at least get a discount voucher- just get a call centre that send me a copy of my policy- what a disgrace Show details

ridiculous customer service, after going through the prompts with all my information, got through to a person and asked 5 times for my information again . took over 21 mins to move a payment back by a fortnight .. ended up hanging up due to frustration . never insuring with them again Show details

Simple put, AAMI is the WORST insurance provider among all. My car bogged at 5:30pm on a Thursday with regular weather, but i waited over 3 hours to get the towing service. The towing job took less than 10 minutes. And they lied the whole time about arriving time of the driver. They kept saying he was on the way every 30 minutes and the driver was… Read more

actually doing other jobs first and I was at the bottom of the list. I filled out their survey and made a complaint. Well, they called me and apologized. However, they said, "sorry, but nothing we can do more than a apology. Thank you for your feedback to help us improve. " So the person who runs the company has no intelligence??!!! Who would call and say something like that??!! If you hate someone, make sure you get them AAMI!!!

They are absolutely slow, the repairer gave them a qoute and after a week, still they haven't decided if they want to authorise the payment or write it off, called them twice last few days, no action, still pending, very frustrating Show details

Try and communicate with AAMI. I dare you. Go on. Try and call to speak with someone. Try the live chat and see how cumbersome that is. Try calling roadside assist and see if they pick up. They don't answer. No such thing as roadside assist if they do not answer. I have never lodged an online complaint before but god help me AAMi is diabolical for… Read more

communication. What would it be like if you actually have a claim. I merely wanted to discuss my policy. I have cancelled today as a result. Abysmal customer service.

My claims experience was extremely disappointing and added enormous stress during one of the most difficult periods of my life. I repeatedly advised AAMI that I was undergoing active chemotherapy for cancer and relied on my vehicle to attend treatment and medical appointments. Despite repeatedly asking about my options, I was never clearly… Read more

informed that, if my vehicle was declared a total loss, it would be immediately written off, deregistered and that I would lose the ability to continue driving it. I was led to believe there would be further discussion before any irreversible action was taken.

Instead, I was later told my vehicle had already been deregistered. It came as a complete shock. I was left without the vehicle I depended on during cancer treatment and placed in the extremely difficult position of having to replace it while undergoing chemotherapy and with no employment income.

Communication between all departments was inconsistent and confusing. I was repeatedly referred between the assessor, the total loss team and other staff without receiving clear answers.

I ultimately had to lodge a complaint with AFCA before AAMI made an additional $5,000 ex gratia settlement offer to resolve the complaint.

Based on my experience, I strongly recommend avoiding AAMI and choosing an insurer that values clear communication, transparency and fair treatment of its customers.

I’ve Had Much Better Experiences with Other Insurers My experience with AAMI has been extremely disappointing. My car was broken into while I was at a shopping centre. I understood from the beginning that if the police were unable to identify the offenders, I would need to pay my excess, and I accepted that. What I didn’t expect was to be left… Read more

to manage the repair process myself. After lodging my claim on 4 July 2026, AAMI referred me to a repairer and then seemed to leave me to deal with them directly. The repairer repeatedly made appointments and failed to show up, with little communication or accountability. Meanwhile, my car has been sitting in storage for weeks with no repairs completed.

To make matters worse, I had to pay for a rental car for four weeks while waiting for my claim to progress. Despite continuing to pay my insurance premiums, I’ve been left without my vehicle and with no clear timeline for repairs.

Insurance is supposed to provide support and peace of mind when something goes wrong. Instead, this experience has been stressful, frustrating, and exhausting. Based on how my claim has been handled, I cannot recommend AAMI and would encourage others to carefully consider how claims are managed when choosing an insurer.

Somebody hit my car yesterday ,left a note saying sorry contact me ?i have a witness and informed the police ,the police came to see me ,i was told i have to get the infomashion regarding the other car from my insurence company i have to lodge a serch claim for the infomashion ? the police told me they will not want to give you it , i must insist… Read more

they do ?any way after going back and forth with this lady ?she said yes we can get the datails for you ..just checked my email they are asking to pay 600 dollars excesses ?my claim was for infomashion regarding the perrsons who hit my car, .iam 74 years old been with them for about 40 years just renude my subscription ?they are a disgrace ,the way they treat people ,the police told me they will not want to give you it , ?i i thought it was all sorted over the phone. they are terrible the way they treat you .iam 74,had two heart attacks ,the funny thing is its minor damage , and should get it fixed at a good price which will help the lady who hit my car we are both stressed over this AAMI have made it worse mthere terrible

renew my insurance today for my car, asked the lady how long i have been with them, first she said seven years, then she said 2014? has Farr has i no its over 30 years? No claims ,i have noticed they have two third party insurance now, lady on the phone was polite, think i made her smile when i sang lucky i am with AAMI,? Show details

We were hit by another person and were not at fault. Our daughter was very sick in the NICU at the time. We were told to submit a claim directly with our insurer, so we did. Our car was assessed as a write-off. We called to cancel our insurance as we pay monthly and were told we can't cancel. We received our payment but was deducted $1300 for the… Read more

remainder of our contract. We checked the PDS and it does state that any outstanding payments for the contract will be charged, but it also says we can cancel our contract at any time so we don't understand why we were told we can't cancel when it says otherwise in the PDS. We were then told that if we had lodged the claim with the person at fault's insurer we wouldn't have to pay the fee but it was too late. Just FYI for others paying monthly. We asked AAMi if they would request the amount from the person's insurer instead (which they can) and they said no. What we are actually upset about is that our personal belongings were in the vehicle and when we called AAMI about retrieving them they said that we can't access the site as it is not safe, and they would courier the items to us. We advised them of the belongings we wanted back. They then contacted us and said that this is too many items and that we would have to pay for a courier or go to the site ourselves (even though they said it wasn't safe to do so before). We advised them that our baby daughter had just passed away and they we didn't feel up to going to the site, nor did we feel it was fair to pay a courier. They didn't care at all.

Terrible customer service, they don’t actually help, just make the situation harder and longer to solve. The online chat always redirect you to call instead and sit on hold for ridiculous amounts of time. Which you will then be met with frustrating scripts being read out to you on the other end of the call without someone helpful actually… Read more

answering questions or concerns clearly. Then if you don’t like that they ask you to call instead, they end the online chat and reset you. Nice work. They make the simplest of requests seem impossible. Have cancelled all but one policies with them, about to do the final and not return.

Do your self a favour and look elsewhere. All is ok until it’s time to make a claim. For me, my claim was approved, I paid the excess up front, which is what AAMI require before determining a repairer. I had a repairer lined up and then it turned out they could not repair the car because AAMI undercut the quote by more than 50% and offered the… Read more

repairer less than the excess I had paid them. That is, they were attempting to make a profit from this claim. What they offered the repairer was simply not enough to do a proper bumper respray but just some cheap touch up. They say on their product disclosure that they will cover quality repairs to return the car to factory specifications. Nonsense. They’re cheap, corner cutting deviants. Stay away. Go somewhere late for all your insurance needs. AAMI - A***oles and mean id*ots!

Their website says $421 but doesnt let me proceed to pay. So I had to ring and give them my personal details and then they finally tell me the costs is now $605. Commonly refereed to as false advertising. There goes 20 mins of my life I will never get back. Show details

AAMI seem dreadful at customer service when handling my claim. The incident (not my fault, by the way) happened on the 14th of April but AAMI do not have the incident report from the NSW Police, even though I gave that number with my claim, over a month later. Apparently they will only email the police to get it and then wait for the response. … Read more

My claim was approved; then the other driver - who was charged by the police for negligent driving - is now disputing it. AAMI told me the excess was waived as it was not my fault and I would have use of a hire car. Now that is in question again.

When contacting AAMI by phone one is required to go through several layers of menus on the phone, only then to be greeted by some one who seems not to have the information you've just given the machine.

I have had to badger them about the excess; and now about the incident report. I wonder what would happen if they didn't receive that report. How would they decide what to do with my claim?

I am not impressed with AAMI, especially after a stiff increase in my premium with a reduced value for my car.

If I wasn't trying to get this claim finalised I'd cancel the policy and go elasewhere.