AAMI Reviews 

Do not deal with this company these idiots trying to blame me for a car accident thats not my folt these idiots are money grabbing there customer service is just discusting how they treat people they don't listen even after providing dashcam footage they still think im to blame even Stevie wonder can see that ur just a bunch of money grabbing idiots

What an awful experience! I tried to cancel my car insurance and was disconnected from the chat five times, even though I was still there and waiting for a reply. Then, they wouldn't let me connect to a virtual assistant anymore. I'm overseas, so paying to call them was not an option. If I had realised it was this complicated to cancel a policy with them, I wouldn't have made it in the first place. What can we do about this @AAMI?

Called AAMI regarding my car insurance premium rollover. WORST customer service experience I’ve encountered in years! Sounded like I was talking to a robot in the Philippines. He didn’t understand the product he was trying to sell me on. I was put on hold several times whilst he tried to figure it out. I was on the call for 37 minutes in total. I asked if he could transfer me to someone who could explain it and he said he could but I’d have to answer all of the questions again. So when I was on hold one of the many times I googled the term he was using and explained it back to him. But I may as well have been talking to a wall!.

Disgusting that they’ve taken jobs off Australians to cut costs and yet the premiums have jumped up 15%, my car is insured for less, I’ve never had an accident and I’ve been insured with AAMI for 4 years.

I’ll be looking elsewhere for car insurance

My house had been affected by the strong wind of the recent cyclone Alfred but until now I am still waiting for the repair of my ceiling. Maybe they will fix until after the next cyclone that will come, Why until they had this type of business and when emergency comes often say we are very busy. Does the rule first come first serve or first call for claim be attended first. I don't know my first time to haveba claim.

Car involved in a no fault accident on Feb 15th 2025. Still no clarification from accessor if it is written off or be repaired. I would lthink would take 5 minutes of time for assessment as the quote from repairer has been submitted. Yes have a hire car, which is good. Costing them around $130 per day. And you wonder why insurance premiums are going up!! Do not go with AAMI for any insurance!! Helpful no! Prompt, no! Australian speaking person on phone, no. Expensive premiums, yes. 15 + years as a customer with no claims, AAMI does not care.

Had my home broken into my car stolen found torched. They are treating me like a criminal won’t pay out any claim. I have lost everything. Meanwhile I am still required to pay $89 to get police report for aami and as the car and contents on different police report that was $89 for each report. Meanwhile police have closed both files. I even went and did some investigation of my own managed to get some random persons cctv of the culprit around the area. I wish I had of read the reviews before going with them. I work hard as a checkout operator. I have no criminal history straight shooter. Guess this is just their way of dragging out the process so they can avoid paying.

Hi, this is woreses insurance now I been waiting about 2 months for my claim and still I didn't get my cash settlement payment. So many Indian working from India and we have wait over 1h on the phone just for general enquiries and all other enquiries hmmm I have to pull-out policy for my 3 cars 🚗 no more headaches this is rubbish insurance.

I went with AAMI due to them having the lowest insurance premium of all other insurers. This is great until you actually need to use them. Somebody ran into my parked car (I was not in it at the time) and the claim process was very painful, despite it not being my fault. They ended up assessing my vehicle as a write-off by jacking up the price of the repairs needed, even though the other party had only run into the front bumper of my car. The car still worked fine it was just aesthetic damages to the front bumper and driver's panel. I ended up withdrawing the claim and getting my car repaired myself outside of AAMI, with the other party's insurance still covering it. I sent my new repairer AAMI's assessment report and they said they had added heaps of unnecessary repairs on there in order to jack up the price so they could write off the car, because since it was an old car they could pay me less money by making it a write-off. It was a very disappointing experience, having been with AAMI for 3 years and my first experience lodging a claim, which is not my fault, leads to them trying to take my car away to save money. I will be changing insurers as I don't want this to happen again.

We have 2 car insurances, business insurance, strata, home and contents insurance, ALL with AAMI. This year my home and contents insurance on a 2-bedroom unit is $2000! it's gone up so much. I would hate to see what it would be if we had a 4-bedroom house. When asked if they could price match (RACV was $431 cheaper), the customer service rep said no. There is no flex on cost. Cost of living is out of control and these companies have us by the 'you know what'. I wonder how much the Executive Team bonus was this year?

AAMI insurance is a scam, I pay $170+ a month as a single mother with 2 kids(1 with a disability) to make sure we are covered and have been a long term customer with aami, Claims process is disgusting, when you ring to enquire about your claim they say someone will contact you, it has now been 5 months and nothing has been sorted. They take advantage of people, taking there money and promising coverage but than when they have to cover the expense they drag it out as long as they can,They also continue to take your monthly payment even tho you don’t have a car, than try and find anything they can to avoid having to pay it in hopes you give up, They beat around the bush needing 12+ different documents, 5 interview, while they can’t do anything until they get back from there multiple holidays. AAMI doesn’t care about their customers, but they do care if you miss a payment, Don’t get life insurance or funeral insurance your body will be rotting in the morg while they try and do everything they can to avoid paying, I would 100% not recommend AAMI Insurance, unless you want a headache and extra added stress at an already stressful time, they’re a part of the Suncorp so don’t bother with them either. Also when you complain they’ll apologise and than do nothing, and you’ll have to end up seeking legal advise and 60 minutes.

After several decades I’m out. Two months before could even be seen by their service centre

I have been loyal AMMI home insurance customer for 20 years. In this time I have never claimed anything. Yet, this year my insurance went up from $3100 to $4800!! their explanation was that lots of other people have claimed and so everyone's insurance has gone up. I went to both Budget Direct and Youi who both quoted $2000 less than AMMI for the exact coverage of our home and contents - no difference. The help I received from both Budget Direct and Youi when I phoned was also far superior to the help I received from AMMI as a 20 year customer. I told AMMI the other prices I had received and they didn't care. I told them I would be going else where - again no care.
Please ensure you shop around as AMMI is ripping you off. I ended up getting the same coverage for $2700 - less than last year's AMMI price.

The whole claim process was lengthy and very difficult. Continued to pass me around between department with no handover. Said they were writing file notes but I had to start at the beginning each time. They failed to cancel my policy when my car was a total loss and continued to charge me for insurance. When I tried to get a refund I was transferred 6 times, put on hold for an hour and then hung up on. They don't call you back and say sorry, you have to call back and go through the process again. Never using them again.

I am extremely disappointed with AAMI’s handling of my recent claim. Their claims process has been riddled with inaccuracies, unfair determinations, and a complete disregard for the evidence I provided.

The incident occurred on **December 9th**, yet AAMI incorrectly recorded it as the 10th, despite me reporting it the same day. I provided **a police reference, a detailed account, repair receipts, photographs, and even video evidence** proving that the other driver was at fault. However, AAMI **wrongfully held me responsible** and demanded an $850 excess payment.

Key facts that AAMI ignored:
- The **other driver fled the scene** without providing insurance or contact details—an offense under Australian law.
- I had the **right of way** while merging, and the other driver was speeding.
- I even submitted video evidence of the other driver **inspecting their vehicle, displaying aggressive behavior, and fleeing**—yet AAMI still sided against me.

Despite their **assurances that I would be reimbursed** for my repair costs after submitting all required documentation, AAMI has failed to honor this. Their handling of the claim raises serious concerns about **bias and incompetence.**

I urge anyone considering AAMI to think twice before trusting them with your insurance needs. Their **unfair assessments and refusal to acknowledge clear evidence** have left me feeling deceived and frustrated. If you value **fairness and reliability**, look elsewhere!

I submitted a claim for reimbursement for repair in November 2024. After no communication I contacted AAMI by phone as they would not answer emails. I was told on 4 occasions that my claim had been approved and the consultant would expedite payment. On 11/2/25 I was promised the refund would be in my bank within 48 hours. Today I was informed that the claim has been rejected. Why??? I don't think I'm "Lucky you're with AAMI"

DO NOT use AAI even if they offer the cheapest policies.

They will only collect your money and not even listen to your claim.

Claims Manager Caitlyn is an absolute monster and partially deaf to anything that relates to your claim. Incompetent and stupid.

Complaints process is a joke.

Make sure you take every claim to AFCA and make them pay!

I have been with Aami for over 10 years, my home was broken in to when I was away for two days. I’d just moved house and changed my policy over on the Sunday I returned Monday night and saw my door kicked in and lots of things taken including my tv kicked in. Aami refused to cover it as I couldn’t prove it didn’t happen on the Monday so I lost over $10,000 worth of property, Aami are disgusting

They never made contact regarding a car claim, when I finally contacted them they informed me a decision had been made two weeks prior. Told me my car was a write off yet I found my car for sale by a salvage company with it listed as no write off record which either AAMI lied to me or has deliberately not put the car into the write off record, wither feels highly illegal. They are a part of Suncorp so wont be using either insurance companies ever again.

They are a bunch of thieves , take your money for nothing

Absolutely zilch service. Claim for broken roof pending and the temporary cover they provided is totally inadequate with water pouring in every time it rains. They won't answer the phone, customer relations put you on hold then tell you they cannot take a call and disconnect you. Managed to get an answer through Suncorp's "Bangladesh" call centre who proceeded to pass me from one call centre to another ending up back to the phone that answers and then hangs up on you. Absolutely woeful. This ripoff type of service should be illegal. And as per a previous review, please add all the missing expletives (if you have enough of them)