Is AAMI comprehensive good is a common question because AAMI is one of Australia's largest car insurers with heavy advertising. AAMI comprehensive car insurance is considered good for many drivers, especially for everyday Australian families, but it has strengths and weaknesses. On the positive side, AAMI comprehensive offers lifetime guarantee on repairs if you use their recommended repairer network, new car replacement for 2 years if your car is less than 2 years old and is a total loss, hire car after theft for up to 14 days, cover for personal belongings up to $1,000, and emergency accommodation up to $1,000 if you break down far from home. AAMI allows you to choose market or agreed value and has flexible excess options. AAMI is backed by Suncorp Group, so it has a large claims network and 24/7 claims online. According to ProductReview.com.au, AAMI has around 4.0 to 4.3 stars from thousands of reviews, with praise for easy online quoting and claims, but some complaints about claim delays and repair quality. Canstar rates AAMI as 4 stars for value. On the downside, AAMI comprehensive is typically not the cheapest, often 10% to 20% more expensive than Budget Direct or Bingle for the same profile, and its cheapest policies do not include choice of repairer unless you pay extra. AAMI also charges higher excess for drivers under 25. For drivers who want a reputable brand with good coverage and are willing to pay slightly more than budget insurers, AAMI comprehensive is good. For price-focused drivers, Budget Direct or Bingle may be cheaper for similar cover.
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