Comprehensive Car Insurance Covers you for accidents, theft, fire, vandalism and storm damage. Plus we cover damage to someone else’s car or property.

Comprehensive Car insurance details

You’ll be covered if your car is stolen or damaged in an accident.

Full cover
  • Legal liability of up to $20,000,000

    If you have an accident and it’s your fault, we’ll pay up to $20,000,000 for damage to someone else's car or property.

  • Accidental loss or damage to your car

    We'll cover repairs to your car if it’s damaged in an accident.

  • Fire Damage

    We'll cover repairs to your car if it's damaged by fire.

  • Theft

    We’ll cover your car if it’s stolen.

  • Towing

    If you’re away from your home centre and you can’t drive your car because of accident damage, we’ll tow your car to the nearest repairer or secure place.

  • Transport home

    We’ll reimburse you for reasonable costs to get you and your passengers home, if your car is stolen or damaged in an accident.

  • Approved repair work guarantee

    We’ll guarantee all repair work carried out by our approved suppliers.

  • Vehicle removal

    We’ll pay the costs of removing your car from an accident if you can’t safely remove it yourself.

  • Replacement vehicle

    If you buy a replacement vehicle, we will automatically provide temporary cover for up to 7 days.

Optional extras

For a little more, you can add on optional cover to give you extra peace of mind.
  • Cover for young drivers

    Your vehicle is covered for loss or damage while it is being driven by anyone under the age of 25.

  • Breakdown Service

    We’ll cover anyone who’s driving your car if they need help with things like changing a tyre, jump starts, or getting into your car if the keys are locked inside.

    Terms and conditions apply

    Find out more

  • No windscreen excess

    If you’re claiming for accidental damage to your car’s windscreen or window glass, there’s no excess to pay and your no claims bonus stays the same.

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View full policy wording
Exclusions and limitations apply. Talk to us about these or refer to the full policy document.

What’s the cost?

Your premium is how much you pay for your cover. This is calculated based on things like age, gender, driving experience and the type of car you’re driving. Because of that, everyone’s premiums are a bit different.

Your excess is a one-off amount that you pay each time you make a claim. Let’s say your excess is $500 but a repair job for a dinged-door only costs $350 – that cost is up to you. Any repair work that will cost above $500 is covered by AMI.

You’ll also get these bonus covers


If you qualify for this bonus, it’s free and means you can make up to two claims within a 12 month period without affecting your no claims bonus.


You’re covered for the market value, or up to $600, for any loss of or damage to trailers you own or that you’re using.

Repair guarantee

We’ll guarantee all repair work carried out by our approved suppliers.

Frequently asked questions

Other car insurance options

Third Party, Fire and Theft

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Third Party

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Business vehicle

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