AAMI Reviews 

I can relate to some of the negative reviews. During a recent severe storm in Perth where my side boundary fence was severely damaged, I lodged a claim on 1st June 2026. Since then I received no less than 11 emails and asking for my claim excess to be paid, no claim determination was made at this stage.
To cut a very long story short, due to errors made by AAMI, my inability to understand their service agents which were located overseas, Phillipines or India, no further progress was made. I enquired with AAMI again regarding the delays.
I received an email to advise that their assessor will inspect the damage on 25th June, nearly 4 weeks after I lodged my claim.
At this stage I gave up

Good experience in getting my windscreen chip fixed friendly and was polite and it was fixed the next day.

Spoke with a lady with indian accent , so rude so abrupt the last person you need dealing with in time of need.
i needed to change payment method and she literally close the phone on me after waiting 25 min on hold .
Not a call back - nothing .
Bye bye AAMI insurance you just lost 23 property , thank to that lady .

Let me be blunt: AAMI's customer support is an absolute disgrace, and after my recent experience, I genuinely question how this company continues to operate with such contempt for its customers.
First, the wait times. Getting through to an actual human being feels like a psychological endurance test. You sit on hold, bleeding time you'll never get back, only to be met with a system designed to wear you down before you even reach a person.
And that automated system? A special kind of torture. I answered the same security and account verification questions five separate times before finally being connected to a representative. Five. The same questions. Over and over. Either the system is broken, or it's deliberately designed to frustrate customers into hanging up. Neither is acceptable from a company you're paying premiums to.
Then comes the real problem — the agents themselves. The communication barrier is severe. I could not understand the representative, and they clearly could not understand me. Simple queries turned into drawn-out, painful exchanges where nothing was resolved and everything was repeated. This isn't a minor inconvenience — this is a fundamental failure in service delivery. If your frontline support team cannot communicate clearly and effectively with Australian customers, you have no business running a customer support line in this country.
And to top it all off? The tone was rude and unprofessional. After burning through my patience with the hold times and the robotic question loop, I was met with an attitude that suggested I was the inconvenience — not the broken system I was calling to fix.
AAMI, you sell peace of mind. That's literally your product. What you delivered was the opposite — frustration, wasted time, and zero resolution. Sort it out.

Six months after lodging a hail damage claim, my property remains unrepaired and I haven't received a finalised scope yet, while every other damaged house on my street has been repaired or cash settled.
I am left with a roof damaged and leaking, windows sealed with plastic bags since November, solar system offline the entire time because AAMI has supposedly spent half a year on internal scope and rate negotiations with their contractor.

When yesterday I requested a cash settlement out of exhaustion, they responded by adding another 10 business days of internal review for the current scope before they would even consider it.

Choose carefully.

They used to be good and could talk to a local person quickly. Now it's all AI and offshore. They had been double-charging me for at least a year and said they would refund me, but nothing has happened. Still waiting on the refund and an email apologising.

!!AVOID!! WARNING ⚠️
I Set up contents insurance for my uncle as he was going into respite care, 3 weeks of cover and my uncle became a permanent resident of a nursing home. When trying to cancel the policy AAMI made it impossible, I had to jump through every hoop known to mankind. I am the enduring power of attorney, I had all the paperwork certified by a JP. And yet two weeks later and still no cancellation of said policy. I have so much going on with the care of multiple people and yet I send hours a day trying to close this $14. A month policy. How ridiculous 🙄. I would not recommend AAMI to anyone after this experience.

Took over a month for my claim to be looked at which was a mechanical issue not an accident so unsure why took so long for simple claim. Then did not communicate with mechanics adding more delays. I then spent a day on the phone to sort out payment due to AAMI and mechanics not communicating with each other. In all a mechanical repair that takes 1-2 days to do took nearly 3 months.

We have been insured by AAMI for a number of years and have had no issues until we made a claim. They will do absolutely everything they can to avoid paying a claim or acknowledge damage caused by their contractors. And when you go to cancel the policy, they will not cancel it without approval… Don’t expect AAMI to stand by you when you need them.

It’s not the AAMI that we used to know, asking car back before the payouts when the customer was with them for almost a decade n probably going back as well but I will stop.
Making hard case handlings n department shuffling asking for excess fee prior settlement or payout when the other person who has caused accident have accepted his mistake but this company is failing to protect their customers.
It’s just sad and disappointing to see AAMI like this now
N why the yearly deduction when the customer will no longer have the car. I will request @AFCA to have a look in these companies

AAMI after my car accident was briliant 5star service it’s very important in time of stress keep good job AAMI

Thank you AAMI I feel like part of big good family

Not worth even one star. Total time wasters, all talk and no action. I Made a claim 19/02/2026 they sent the car to their repairer and said nothing until 15/04/2026 where they half fixed the car and tried to get me to collect it. When I complained they now say they wont fix the car and worst of all I already payed the renewal since it became due during the extremely long time the car has been gone. No point paying for insurance when your claim is ignored and you car half fixed. NOT-LUCKY WITH AAMI IF YOU NEED TO MAKE A CLAIM.

They’re the worst save ur life ur time ur money and go with someone else

Very poor regarding a claims process for a car.

I’m a customer of 21 years.

1/ A senior manager rang me to apologize for unacceptable behavior during a call to the pre claims centre. Constant interruptions, didn’t let me speak, didn’t seem to listen. Just the start.

2/ The claims investigation process is heavy, largely irrelevant and stressful. Deeply flawed and unreasonable. Hours of interviews, excessive repeating of the same questions to try and establish consistency in explanations; they don’t answer carefully considered and fair written questions, then requiring me to run around for days collating documentation.

3/ Finally a rejection letter for the claim which lacked logic and didn’t specify conclusions linked to specific policy terms. I get the sense that the decision was made on an emotional level rather than a logical, legally sound, solidly based interaction with myself.

Don’t trust AAMI - you’re in the “lions mouth” if you do,

I’m off to AFCA

Called on behalf of an elderly family member to seek clarity on a matter. After identifying myself and the family member also, they went straight on the offensive to the family member who was clearly confused. AAMI would not allow me to speak on behalf of the family member despite going through correct process. This caused the elderly family member to be further confused, and distressed.
Disgusting conduct from AAMI.
Avoid.

Very disappointing experience. I had my car booked in with the panel beaters and arranged a hire car, only to arrive and be told the hire car had been booked for the wrong date, two weeks earlier. Despite this being their error, I was told it was my responsibility to change the dates and no compensation would be offered for the time, inconvenience, or costs caused. Their staff acknowledged the mistake but took no real ownership of the issue. I would strongly recommend checking every email and booking detail carefully, as mistakes can happen and customers may be left out of pocket.

Horendous company to deal with. After 6 months AAMI still won;t repair simple things as covered by my policy and as acknowledged by AAMI as a valid repair case. AAMI fail to respond to simple direct queries and have no respect for customers. AAMI sit behind policy allowing them weeks to respond to simple queries but when thye ask something of the customer they provide very short windows and incomplete or incorrect information.

Avoid this company at all costs because when you need help they won't be there to help you.

5.5k dollars car stolen.
4.2k back
Minus 942$ to make the claim
And.......they take you rego!!!
I had like 1000$ rego almost 12 months paid, I cannot get refund from VicRoads, they get that!
What a waist of money to pay them.

I had a health insurance cover with aami for 16 months in which I paid 190 aud a month. I had a couple of teeth removed and my claim was knocked back because I went to a dentist to have it removed and not a hospital. Very misleading and fraudulent company

I have been with AAMI for 8 years and my car was recently written off and it was not my fault. I waited 3 months to get an answer and they tried to low ball my pay out by $4000, which I ended up getting. Multiple phone calls, one was for three hours. Would not recommend them to anyone. Worst experience.