AAMI Reviews 

This company abuses disabled people.
A car crashed into my house.
Then AAMI damaged my property, then employed an engineer named Luke Tymenson from HardCore Geotech to trespass on my property and falsify a report to cancel my claim. Then when I said I would go to the police.
My claims manager emailed me directly threatening to make me homeless.
They did all this knowing I am Autisitic with Ptsd. And knowing I have an active TAC claim for trauma. They caused another mental health injury and stopped be from getting a new job.
Do not use AAMI or any insurance under thr AAI insurance umbrella.

No value for loyalty. I was with AAMI from last 15 odd years with different insurance car, home etc. But one time I made a claim. And they use all type of clause to not pay for it.

Absolutely rediculious, cannot get straight answer terrible wait time on the phone and no clear answers . Even given wrong information in regards to my car being delivered to crash repairer . Then told it hadn’t been delivered for 6 days later ! Ask a question cannot answer it in relation to structural damage . Just very very poor

Seriously go somewhere else. Two and a half months to get a claim finalised with Indian operators that don't have a clue in the department. Seriously incompetent company to say the least,

We recently made an accidental damage claim to vanity ceramic top. To speed up the claim we managed to get a builder to quote the repair and submitted the quite to AAMI. AAMI wanted to get their own contractor out to quote the repair. AAMi com back with half the price of what the builder quoted but did no allow for any of the additional work that needed to be done like tile removal. AAMI said the tiles are not broken so that would be an additional quote if broken. With a month of emails and phone calls we did settle on the builder quote which allowed the full repair properly. It should not be a political affair to make a claim just repair it properly not the cheapest quote that needed more quoting to complete the job.

I had 3 x cars comprehensively Insured with aami, now down to one and soon zero.

They even manage to screw up on a small claim with what it seems utterly poor communication and mistakes on their end on multiple occasions.

If I could put a negative star rating i would. If you're thinking of contacting the internal dispute resolution, it's even worse .

How you can fumble 3 x policies to 0 when I wasn't even looking to change Insurers is next level.

I assume call centres are offshore and the elevated response are people working from home eating muffins.

HAVING MY CAR STOLEN WAS BAD - Dealing with AAMI was WORSE. After my RAV4 was stolen, I felt like I was treated as the suspect: a private investigator came to my home, I was asked for highly intrusive personal records including bank and phone records, and my car sat in a towing yard for around 40 days while I was shuffled between departments. The most disturbing part was the contamination testing. AAMI initially relied on a meth/ice test result that was treated as “safe,” despite my repeated concerns that the testing had not been done on the highest-contact areas - including where a child sits in the front seat, right beside the steering wheel, gearshift and other touch points. Those areas were initially refused for further testing. After I kept pushing Sharps Australia (contracted by AAMI), a second test was finally done. The car was then deemed an unsafe biohazard requiring full specialised decontamination. How many customers would have accepted the first “safe” result and put their family back into that vehicle? How many families have put their kids into unsafe cars? I suspect many. You have been warned.

My Daughter had her car stolen in early June. It was found by police who suspected it was being used in another crime by persons known to them. The car had been badly damaged and was under Assessment by AAMI. As of today, some three weeks later, my daughter was advised the car would probably not be available until late August. As my daughter runs a business her car was essential but AAMI only provided a loan vehicle for two weeks. Their attitude towards my Daughter was deplorable, being treated more like a criminal than those thugs who wrecked her car. In this case she was unlucky to insure with AAMI.

I have home insurance with AAMI and they are the worst in terms of communication and progressing through the repair with their sub-contractor. I am now 15+ months since the start of the claim and the repairs have barely started. Most of the time has been wasted with their internal processes to get statement of work drafted and approved, then few months later a variation to the scope added another few months of process. I will definitely not renew with them and take my business elsewhere.

Been a customer now for 3 years im done never get help always attack must be my fault. I feel that being a customer again with aami will be an absolute last resort. I've contacted them 5 times in 3 days they don't car. So please don't contact me like you care coz if you did i wouldn't be here. Very toxic company

A one-star review is a compliment.

My car was destroyed in an arson attack alongside another vehicle. I have video evidence of the incident and had absolutely nothing to do with it. It was an incredibly traumatic experience.

The owner of the other vehicle, who is insured with a different company, had their car towed, their claim settled, and was driving away in a brand-new replacement vehicle within four days.

Meanwhile, I’m still waiting to hear what AAMI plans to do with my car. The only clear communication I’ve received is that the process could take up to two weeks.

What frustrates me most isn’t just the delay, it’s the complete lack of communication and compassion. I haven’t received a single phone call or email checking in, explaining what’s happening, or providing any meaningful update. After going through something as stressful as having your car deliberately set on fire, you would expect a little more urgency and care from your insurer.

I’ll be moving to another insurance company after this experience. The way AAMI has handled my claim has added unnecessary stress to an already traumatic situation.

Really disappointed with AAMI insurance. I took out contents' insurance, in part to cover my desk-top computer. When I accidently dropped it a few months later, AAMI denied I had asked for my computer to be covered. I said I wanted to hear the phone conversation. AAMI made the process for this impossible.
I'm a nurse, AAMI is an insurance company - who do you think is lying?

Yeah just don’t. Go elsewhere for your comprehensive car insurance if you want a fair deal and a quality repair. AAMI take your excess before even determining a repairer and then they try and corner you in to a cheap and nasty patch repair. Their website suggests they’ll sort a quality repair back to factory specifications. That is the most egregious and dishonest statement. They’re crooks and deviants. Take your money somehow else, for your own sake.

If I could give -100 I would. Had my car stolen and one week later the highway patrol found the car. The police towed it and taken fingerprints. AAMI launched an investigation into me requesting all kinds of paperwork. Even appointed an external investigator. Had to have a record interview. Had to provide bank statements, phone records, RWC, and a lot of other documents. One question is why would one break a window, still their own car for one week and have to pay the insurance company $1800 excess? What’s the point of the? What benefits do I get out of this? I would never buy insurance from AAMI, Suncorp and AAI limited again. I would check and make sure the insurance company I buy from would not contain Suncorp as I know own many insurance companies. Now 5 week and still investigating. No sign of it ending and no car. What a joke!

I am being totally harassed by AI cold calling - not acceptable in any level.

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.