Car Claims Frequently Asked Questions

In 2020 AMI covered 99.6% of car claims received*. When it matters most, we're here.

*Private motor closed and paid claims from 1 January 2020 – 31 December 2020. Excludes claims that were: fraudulent, opened in error/duplicates, incident only, under the excess level, and withdrawn

Does this mean that if I submit a claim there’s a 99.6% chance it will be approved?

If your claim is genuine/non-fraudulent and is not withdrawn by you later, then yes.

That seems too high/good to be true!

This percentage excludes claims that were: fraudulent, opened in error/duplicates, under the excess level, incident only, and withdrawn. Providing your claim does not fall into one of these categories then that percentage applies.

Why did you decline the 0.4%?

Other than fraud (which we have already deducted from our numbers) claims can be declined for a number of reasons, such as the driver operating the vehicle under the influence of drugs and / or alcohol, breaching the terms of their driving licence conditions or having failed to tell us important information that was asked for when the policy was taken out.

We also decline a small portion of claims for things not covered by the policy, such as mechanical or electrical breakdown, or wear and tear.

Do you decline many claims due to fraud?

Less than 0.1% of claims are declined due to fraud.

Why don’t you/wouldn’t it be more accurate to include all claims when calculating the percentage?

We felt it was most relevant to focus on claims that weren’t declined due to fraud (irrelevant for most people), or those under excess or withdrawn (as the customer, not AMI, has chosen to not proceed with the claim).

What does under excess mean?

The excess is the cost that our customers must contribute to each claim. If, for example, a customer's excess is $400, and the cost of repairing the vehicle is $300, the claim would not continue as a customer wouldn't want to spend a $400 excess for a repair that costs less than that.

What does incident only mean?

Incident only refers to claims that are raised by AMI in the system when a customer contacts us advising us of a potential claim. We generally raise an incident only claim to capture details that the customer has shared in the first conversation, so that if the customer contacts us later to put in a claim, they do not have to repeat this information. These are “non claims” that were not pursued by customers.

Why are claims withdrawn?

Claims are withdrawn when a customer chooses not to continue with the claim process. A common reason relates to the economics of the claim; either the claim is under the excess, or the repair cost is over the excess by such a small amount that the customer does not feel the claim is worth continuing with.

What type of claims are you referring to?

Private vehicle; comprehensive, third party fire and theft and third party only.

What period does this percentage relate to?

1 January 2020 – 31st December 2020.