There are a few different types of car insurance excess. An excess is the amount you pay towards the cost of your claim for each incident covered by your policy.
The table below explains the excesses that apply to common AAMI car insurance claim types. For other types of claims, we’ll tell you what excesses apply when you make a claim.
If you don't yet have car insurance, get a quote from AAMI below!
AAMI FlexiPremiums® Excess
The range of AAMI Flexi-Premiums excesses we offer is between $95 and $1,550. If chosen, this excess applies in addition to any other excess that applies. Choosing a higher AAMI Flexi-Premium excess reduces your premium.
An age excess applies if the driver is under 25 years of age. The amount differs depending on whether the driver was listed on the policy or not.
If the driver is a learner driver, the age excess that applies is as if the learner driver was listed on the policy.
Inexperienced driver excess
An inexperienced driver excess applies if the driver is 25 years of age or over and has held their driver’s license for less than two consecutive years. An Age excess applies if the learner driver is under 25. The amount differs depending on whether the driver is listed on the policy or not.
Driver history excess
A driver history excess applies if we have agreed to insure a driver who has had their driver’s licence cancelled, suspended, disqualified or restricted in the 3 years prior to the start of the period of insurance and they were driving, using or in charge of your car at the time of the incident.
An age excess applies if the driver is under 25 years of age. The amount differs depending on whether the driver was listed on the policy or not.
If the driver is a learner driver, the age excess that applies is as if the learner driver was listed on the policy.
Inexperienced driver excess
An inexperienced driver excess applies if the driver is 25 years of age or over and has held their driver’s license for less than two consecutive years. An Age excess applies if the learner driver is under 25. The amount differs depending on whether the driver is listed on the policy or not.
Driver history excess
A driver history excess applies if we have agreed to insure a driver who has had their driver’s licence cancelled, suspended, disqualified or restricted in the 3 years prior to the start of the period of insurance and they were driving, using or in charge of your car at the time of the incident.
An age excess applies if the driver is under 25 years of age. The amount differs depending on whether the driver was listed on the policy or not.
If the driver is a learner driver, the age excess that applies is as if the learner driver was listed on the policy.
Inexperienced driver excess
An inexperienced driver excess applies if the driver is 25 years of age or over and has held their driver’s license for less than two consecutive years. An Age excess applies if the learner driver is under 25. The amount differs depending on whether the driver is listed on the policy or not.
Driver history excess
A driver history excess applies if we have agreed to insure a driver who has had their driver’s licence cancelled, suspended, disqualified or restricted in the 3 years prior to the start of the period of insurance and they were driving, using or in charge of your car at the time of the incident.
Theft or attempted theft of your car
Standard Excess AAMI FlexiPremiums® Excess Other excesses (if applicable)Storm, hail, flood or fire damage
Standard Excess AAMI FlexiPremiums® Excess Other excesses (if applicable)Malicious act or vandalism
Standard Excess AAMI FlexiPremiums® Excess Other excesses (if applicable)Damage to your car whilst parked caused by an unidentified person or driver
Standard Excess AAMI FlexiPremiums® Excess Other excesses (if applicable)Collision with or by an animal
Standard Excess AAMI FlexiPremiums® Excess Other excesses (if applicable)Windscreen or window glass damage only*
Standard Excess AAMI FlexiPremiums® Excess Other excesses (if applicable)An accident where the driver of your car caused or contributed to the damage
Standard Excess AAMI FlexiPremiums® Excess Other excesses (if applicable)An incident where you can show the driver of your car didn’t contribute to the accident (this means the other driver was entirely at fault) and you can give us the name and address of the at fault driver and the registration number of the at fault vehicle **
Standard Excess AAMI FlexiPremiums® Excess Other excesses (if applicable)An incident where you can show the driver of your car didn’t contribute to the accident but you cannot give us the name and address of the at fault driver and the registration number of the at fault vehicle **
Standard Excess AAMI FlexiPremiums® Excess Other excesses (if applicable)*When the only damage to your car following an incident in the period of insurance is to the windscreen or window glass (including sun roof), we cover the reasonable cost to repair or replace windscreen or window glass (including sun roof) without you having to pay an excess.
Are you an AAMI customer recently impacted by an event you believe is covered under your policy? Your first step can be to check your Product Disclosure Statement to see what your policy covers.
Now that you know what types of excess might apply, get started on making your claim today.
We know how stressful it can be when the unexpected happens. That’s why we’ve created a simple online claims process. Head to AAMI Claims or open the AAMI App and select your relevant policy to get started.
Insurance is issued by AAI Limited ABN 48 005 297 807 AFSL 230859 (AAI) trading as AAMI. Any advice has been prepared without taking into account your particular objectives, financial situation or needs, so you should consider whether it is appropriate for you before acting on it. Please read the relevant Product Disclosure Statement before you make any decision regarding this product. The Target Market Determination is also available.
**If you cannot supply the at-fault driver’s name, address and vehicle registration number it means we will not be able to waive your excess. It does not otherwise impact the cover under your policy or your ability to make a claim.
Driver history excess
A driver history excess applies if we have agreed to insure a driver who has had their driver’s licence cancelled, suspended, disqualified or restricted in the 3 years prior to the start of the period of insurance and they were driving, using or in charge of your car at the time of the incident.
Inexperienced driver excess
An inexperienced driver excess applies if the driver is 25 years of age or over and has held their driver’s license for less than two consecutive years. An Age excess applies if the learner driver is under 25. The amount differs depending on whether the driver is listed on the policy or not.
An age excess applies if the driver is under 25 years of age. The amount differs depending on whether the driver was listed on the policy or not.
If the driver is a learner driver, the age excess that applies is as if the learner driver was listed on the policy.
AAMI FlexiPremiums® Excess
The range of AAMI Flexi-Premiums excesses we offer is between $95 and $1,550. If chosen, this excess applies in addition to any other excess that applies. Choosing a higher AAMI Flexi-Premium excess reduces your premium.
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AAMI GENERAL INSURANCE
AAMI Home Building and Home Contents Insurance, Landlord Insurance, Strata Insurance, Car Insurance, Motorcycle Insurance, NSW and SA CTP Insurance, ACT MAI Insurance, Caravan Insurance and Travel Insurance are issued by AAI Limited ABN 48 005 297 807 AFSL 230859 (AAI) trading as AAMI. AAMI Business Insurance is issued by AAI Limited ABN 48 005 297 807 AFSL 230859 trading as AAMI Business Insurance. Registered Office, Level 23, 80 Ann Street, Brisbane QLD 4000.
Information provided is general advice only and has been prepared without taking into account any person's particular objectives, financial situation or needs. Read the relevant Product Disclosure Statement or Policy Document available at www.aami.com.au and consider whether it's appropriate for you before making any decisions about whether to buy or continue to hold a product. The Target Market Determination is also available.
AAMI PET INSURANCE
Petinsurance.com.au policies entered into for the first time prior to 07/11/2023 and subsequent renewals of those policies are issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL 241436, are arranged and administered by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure) and are promoted and distributed by PetSure’s Authorised Representatives (AR) Pet Insurance Pty Ltd ABN 38 607 160 930, AR 1234944 (PIPL) and Platform Ventures Pty Ltd ABN 35 626 745 177, AR 001266101 (under the AAMI brand)(Ventures).
Petinsurance.com.au policies entered into for the first time on or after 07/11/2023 and subsequent renewals of those policies are issued by PetSure and are promoted and distributed by PetSure’s AR, PIPL and Ventures. Any advice provided is general only and does not take into account your individual objectives, financial situation or needs. Please consider the Product Disclosure Statement (PDS) to ensure this product meets your needs before purchasing, or choosing to continue with the product. PDS and Target Market Determination available at Petinsurance.com.au.
AAMI HEALTH INSURANCE
AAMI Health Insurance is issued by nib health funds limited ABN 83 000 124 381 (nib), a registered private health insurer, and is marketed by Platform CoVentures Pty Ltd ABN 82 626 829 623 (PC), a Suncorp Group company. PC is an authorised agent of nib and receives commission from nib.
AAMI LIFE INSURANCE
AAMI Life Insurance products, other than in some circumstances the Redundancy Benefit, are issued by TAL Life Limited ABN 70 050 109 450 AFSL 237848 (TAL Life) which is part of the TAL Dai-ichi Life Australia Pty Limited ABN 97 150 070 483 group of companies (TAL). TAL companies are not part of the Suncorp Group. TAL Life uses the AAMI brand under licence from the Suncorp Group. Redundancy Benefit provided on or before 31st March 2020 was issued by AAI Limited ABN 48 005 297 807 AFSL 230859 (AAI) trading as AAMI which is part of the Suncorp Group. New Redundancy Benefit policies and renewals offered from 1st April 2020 are issued by TAL Life. The different entities of TAL and the Suncorp Group of companies are not responsible for, or liable in respect of, products and services provided by the other.
Any advice on this page in connection with the Life products is general in nature and is provided by Platform Ventures Pty Ltd ABN 35 626 745 177 AFS Representative Number 001266101 (PV). PV is part of the Suncorp Group and an authorised representative of TAL Direct Pty Limited ABN 39 084 666 017 AFSL 243260 (TAL Direct). General advice does not take into account your individual needs, objectives or financial situation. Before you decide to buy or to continue to hold a Life Products you must read the relevant Product Disclosure Statement. The Target Market Determination is also available.
TAL Life is proud to have adopted the Life Insurance Code of Practice (Code). The Code has been developed voluntarily by the Life Insurance industry to promote high standards of service to consumers, provide a benchmark of consistency within the industry, and establish a framework for professional behaviour and responsibilities.
