AAMI Reviews 

There are many facets to insurance and on one hand, their roadside assist (used twice) was very, very good. Unmarked Ute came and the mechanic was well equipped and friendly. Fixed my problem on both occasions quickly (no not a dumb out of fuel or flat battery). The claims department on the other hand is outsourced and read from a script. If it’s outside the norm, they don’t listen or understand and you go round and round banging your head against the wall.

Panel repair are performed by wherever your local panel beaters are which are independent anyway so some could have a good experience and some bad but tell aami and they’ll send you to another one.

AAMI themselves are terrible to deal with so they get a 1. All the panel beaters and road side assists people have been great

Honestly, this experience with AAMI has been extremely frustrating.❌❌

My car was hit by another driver and I was not at fault. From the start, I clearly told AAMI multiple times that my car has aftermarket modifications and cannot be sent to a normal repair shop. Despite this, I was still sent to a repairer who couldn’t work on modified vehicles.

I went to the repair shop on the scheduled day, only to be told in person that they could not repair my car at all. This meant I wasted the entire day.

What makes it even worse is that I was supposed to receive a replacement car that day. However, because the repair couldn’t go ahead, the replacement car was postponed and will now only be provided once a new repair date is confirmed.

So in the meantime:
• I have no car
• And if I urgently need a car, I am told I must arrange and pay for a rental myself, with no reimbursement

Every time I raised these concerns, the response from staff was simply that they were “following the process,” with no consideration of the situation or the fact that this problem was caused by poor handling.

This whole situation could have been avoided if my information had been properly considered from the beginning.
If you expect real support when you’re not at fault, think carefully before choosing AAMI.

⭐ 1 Star – Disappointing and Untrustworthy

Extremely disappointed with AAMI Insurance. I paid extra specifically to insure my engagement ring for accidental damage, only to have my claim rejected due to a hidden technical detail buried in the fine print.

When I actually needed to rely on the policy I’d been paying more for, the response was basically “too bad, so sad.” No real attempt to help, no flexibility, just excuses and policy wording used to dodge responsibility.

What’s the point of paying extra for coverage if they won’t honour it when it matters most? This experience has completely destroyed my trust in AAMI. I would strongly advise anyone considering them to read every single line of the policy — because they certainly will when it comes time to deny your claim.

If you're a loyal customer and the longer you are with Aami , the more they will charge you. Never renew your policies, always get new quotes everywhere. I get new quotes every year and ended up saving $1000 against Aami's renewel. Even getting a requote of Aami they didnt even come close, for the same type of insurance.

I strongly advise against buying a battery through AAMI Roadside Assistance.

I purchased a battery from AAMI’s third-party roadside assistance provider when my car battery went flat. The battery came with a **3-year warranty**, and I was an AAMI member at the time of purchase. I later ceased my AAMI membership.

When I started experiencing issues with the battery and contacted AAMI via live chat, I was told immediately that **because I am no longer a member, they cannot help at all**. This was shocking, as the battery was sold with its own warranty.

After lodging a formal complaint, I received a call from AAMI Roadside Assistance and was informed that since I am no longer a member, I must first pay approximately $120 (retail call-out fee) for their third-party provider to inspect the battery. If the provider decides the battery is “okay,” **no refund is provided**, meaning I lose $120 even though the battery itself cost around $240.

This puts customers completely at the mercy of the provider. AAMI also refuses to share the direct contact details of the third-party battery provider, so customers cannot independently have the battery inspected under warranty.

During the phone call, the representative seemed unwilling to acknowledge that there could be a genuine issue with the battery and focused only on policy rather than resolving the problem.

I feel trapped and extremely disappointed with AAMI’s handling of this matter.

Avoid purchasing batteries through AAMI Roadside Assistance unless you plan to remain a member indefinitely.

After insuring a property I own with AAMI for 22 years without making a claim, AAMI refused to renew because the property "is in a flood plain". I checked and found the risk to be low (1 in 100 years) so appealed for a return of customer loyalty. In a mechanical action my appeal was rejected so I wrote to the Board and got exactly the same answer, a polite "Get Stuffed" letter. Do not expect any loyalty from AAMI. I have since cancelled all policies with them. So have family members.

Do not respond to emails - phone does not get answered. Awful company to deal with.

If could give aami -0 stars i would, totally unscrupulous with no moral principles , i am the 3rd party at fault but the claim is bullshit, aaami charged for things that were not damaged and did not need to be replaced managing to rack up a sizeable amount of $$$$ for bollocks. Talking to their consultants in any area is painful, like having your teeth extracted with pliars

I made the phone call for an elderly man as his car would not start. He did not understand the that it wasn't a real person who was answering his call after he persisted for a while. The automation response which requires info to be put into a message sent to the phone for an elderly person who is not very techo is ridiculous. There should be an availability for these people to talk to a 'real person'.
I made the call myself and filled out the automated requirements for him after he already wasted a good 30 minutes or so not understanding what was happening on the phone and waiting to talk to someone.

The Technician who came to the car was very caring and informative and explained what was wrong and what this gentleman had to do after his car was started.

AAMI are absolute crooks - our car was written off when someone hit it parked in the street and the payout AAMI gave was disgraceful. Spoke to the panel beaters that AAMI use and they also said AAMI is shocking..and they would know !!

Terrible. The other party was at fault and admitted it. It was a clear cut case. 3 weeks later still waiting for my car to be assessed. Customer service says it was a system glitch!
Never going with AAMI

I am very pissed off as I have been with AAMI for well over 20 years and to be treated like shit I got hit from behind and they want me to pay over $1,300 what a joke

I have life Insaurance policy , I can’t login with details and even can’t fetch my policy with ref number

I’ve been a customer of AAMI for over 20 years, but my recent experience has been nothing short of appalling. After making a verbal offer for my cash settlement that was higher than what they later attempted to reduce it to, I felt completely let down. It’s incredibly frustrating to see such disregard for loyal customers. I honestly wouldn’t recommend using them. Save yourself the headache!

I cancelled my policy 18 months ago and I was still being charged

I have been a customer with AAMI for over 15 years across multiple policies. Recently, AAMI processed $0 transactions on my credit card without my knowledge or permission.

These transactions appeared on my credit card statement as external charges. At the time, I was unsure if my card had been compromised, as multiple calls to AAMI did not provide an explanation. This led me to cancel my card, update multiple accounts, and deal with significant stress and inconvenience.

Despite raising the issue, the company provided only a brief apology after I requested it, repeatedly stated that their system “functioned as intended” and that no error or failure occurred, refused compensation, and confirmed that no further internal escalation was available.

While AAMI may consider their system to have “functioned as intended,” the experience demonstrates a lack of consideration for customer impact and accountability. I am disappointed in how this matter was handled and hope future customers do not encounter similar issues.

My sister owns a 2006 Toyota corolla hatchback...one of the most popular cars in the world.

The AAMI system incorrectly identifies her registration as a station wagon. It is not.
All other insurance companies we quoted a new policy with identify it correctly.

My sister spent an hour on the phone today to sort this out, to eventually be told (after he referred to the support team twice), that it should be ok..they'll just make a note on the policy that it's a hatchback.

There are thousands of this model in Australia. I'd suggest AAMI correct the issue at their end before putting a bandaid on it. Can only imagine what would happen at claim time when the wrong body type is brought up.

Completely disgusting "service". My sister is struggling at the moment and did not need this rubbish. They lost our business for good.

Do better

This company is absolutely terrible and feels like it is run by thieves. They show no honesty or integrity at any point. They charge you without hesitation, but the moment you need to make a claim, they use every trick possible to avoid paying. I stayed with them for almost four years and made only one claim, and they still refused to cover it. I will never use them again and I strongly warn others to stay away from this fraudulent insurance company.

After answering to many question by automated service of aami and waiting long time, when connected tor representative, they hanged the call because there was a 2 sec pause in replying. Worst customer support.

Basicslly sat in customer support for over and hour and twenty minutes... After being transferred two times already they decided to transfer me back to the first... With that I had come to the conclusion AAMI customer service is a ouroboros, a snake that eats its own head...

Every claim I have had to deal with aami has been a miserable experience. One example is trying to make me pay over 700 to town my car hours away when it does not need to be towed... Avoid at all costs!