What’s covered?

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

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.

View full policy wording

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

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.

These are just a few of our optional extras. For a full list, check out our policy wording.

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.

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You’ll also get these bonus covers

freeBmax

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.

Find out if you qualify

Trailers

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

If I have car insurance with AMI, am I covered for windscreen damage?

Yes, if you have our Comprehensive policy you’re covered for damage to your windscreen (excess may apply).
How does AMI Breakdown Service work?

AMI breakdown service is an optional cover, available as Standard or Premier, to customers with our Comprehensive Car Insurance or Commercial Vehicle policies.
Is my car insured for agreed value or market value?

That depends on the cover you've chosen.

Comprehensive Car insurance