AAMI

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AAMI (Australian Associated Motor Insurers Limited) is an Australian insurance brand offering car, home, landlord, travel, business, and other general insurance products.

Melbourne, Victoria, Australia
aami.com.au
Owned by Suncorp Group

About AAMI

AAMI (Australian Associated Motor Insurers Limited) is a major Australian insurance brand based in Melbourne, Victoria, and part of the Suncorp Group. It offers a wide range of general insurance products including car, home and contents, landlord, strata, travel, compulsory third party (CTP), business, and income protection-style covers. Policies are typically purchased directly online at aami.com.au, via the AAMI app, or over the phone with Australian-based customer service. AAMI is known for its direct-to-consumer model, fixed-price car insurance quotes, and well-publicised advertising campaigns.

An AAMI charge may appear on your bank or credit card statement when you pay or renew an insurance policy, set up automatic renewals, or update your payment details for an existing policy. Common scenarios include annual or monthly premium payments for car, home, landlord, or business insurance; automatic renewals at the end of your policy term; or charges following a policy adjustment (such as adding drivers, changing address, or increasing your insured value). You may also see temporary authorization holds when you first provide or update a card, especially when paying online, which usually drop off within a few days. Some policies are billed annually in a single amount, while others can be paid in monthly instalments, often with a small additional fee.

If you’re unsure about an AAMI charge, start by checking your email for recent policy documents, renewal notices, or payment receipts from AAMI, and review your online account or AAMI app for current and past policies. Compare the charged amount and date with your policy schedule or renewal notice, including any policies you may have arranged for family members, investment properties, or business use. If you still have questions, contact AAMI by calling 13 22 44 within Australia or using the contact options at aami.com.au, where you can also access live chat and claim support. Have your policy number, registration (for car insurance), or property address ready, and AAMI can confirm what the charge is for, help adjust your billing, update or cancel automatic payments, or resolve any suspected billing errors.

Bank Statement Variations

3 known variations

These are the raw merchant codes that appear on bank and credit card statements that we've identified as belonging to AAMI.

  1. AAMI BRISBANE AU
  2. AAMI BRISBANE AUS
  3. AAMI \36 WICKHAM TERRACE \BRISBANE \4000

Frequently Asked Questions

Why am I seeing a yearly or monthly charge from AAMI on my statement?

AAMI typically bills premiums either annually in one lump sum or monthly in instalments, depending on the option you chose when you purchased or renewed your policy. If you see a yearly charge, it’s likely a renewal for car, home, landlord, or another general insurance policy. Monthly charges generally relate to instalment payments under a pay-by-the-month arrangement. You can confirm the exact policy and billing cycle by logging into your AAMI account or checking your latest policy schedule or renewal notice.

What are common AAMI charge amounts and how can I tell which policy they relate to?

AAMI charge amounts vary based on your cover type and level, but common patterns include: a larger annual premium (often a few hundred to a few thousand dollars) or smaller monthly instalments (often between roughly $30–$250 per policy). You might see separate AAMI charges for different policies, for example one for car insurance and another for home or landlord insurance. Check the exact amount against the premium shown in your policy schedule or renewal email to identify which policy the charge is for.

Why is there a small or temporary AAMI charge that later disappeared or changed?

When you pay online or update your card details, AAMI or your bank may place a small temporary authorization hold to verify your card. This can show as a low-value or pending AAMI transaction that later drops off or is replaced by the full premium amount. These verification holds are not actual charges and are usually released within a few business days, depending on your bank’s processing times. If a small pending amount remains longer than a week, contact your bank or AAMI to confirm its status.

How do I cancel or stop AAMI from charging me for a policy I no longer need?

You can cancel most AAMI general insurance policies at any time by calling 13 22 44, using the contact options at aami.com.au, or in some cases requesting cancellation through your online account. Once cancelled, future automatic renewals and instalment payments will stop, although premiums already paid may be adjusted on a pro‑rata basis according to the remaining cover period and the policy terms. For car and home policies, cancellation usually takes effect from the date you request it, not backdated to earlier in the policy term. Always ask the consultant to confirm any cancellation fees, refund eligibility, and the exact date your cover will end.

How do I request a refund or dispute an AAMI charge I don’t recognise?

If you believe you’ve been incorrectly charged by AAMI—for example, billed after cancelling, charged twice, or charged for a policy you don’t recognise—contact AAMI directly on 13 22 44 or via the support options at aami.com.au. Have your statement details (date, exact amount, and last 4 digits of the card) ready so they can trace the transaction. If an error is confirmed, AAMI can usually process a refund back to your original payment method in line with their refund and policy terms. If they find the charge is legitimate but for a policy in a family member’s name or a different property/vehicle, they can explain the details and help you adjust or cancel if appropriate.

Why was I charged by AAMI after my policy renewal date when I didn’t manually pay?

Many AAMI policies are set to auto‑renew, meaning AAMI will charge the card or account on file around your renewal date using the payment method from your previous term. You’ll usually receive a renewal notice beforehand outlining your new premium and the date payment will be taken unless you contact AAMI to change or cancel the policy. If you no longer want the policy, call AAMI as soon as possible; in some circumstances, they may adjust or refund unused premiums in line with policy conditions if you cancel shortly after renewal.

How can I check which card or account AAMI is billing and update my payment details?

Log into your AAMI online account or app, navigate to the relevant policy, and review the billing or payment section to see the payment method linked to that policy. From there, you can usually update your card details, switch to a different account, or change from annual to monthly payments (or vice versa) if available. If you can’t access your account or aren’t sure which policy a charge is tied to, call AAMI on 13 22 44 and they can look it up using your name, date of birth, and address. Updating an expired or replaced card promptly helps avoid failed payments and unexpected catch‑up charges.

What should I do if I can’t find any AAMI policy but still see a charge from them?

First, consider whether a policy might be in another household member’s name, for a rental or investment property, a previous vehicle, or business cover arranged through AAMI. Search your email (including spam) for ‘AAMI’ and check any old mailing letters for policy numbers. If you still can’t locate a policy, call AAMI and provide the transaction details so they can search their system; they can confirm whether the charge is genuine and identify the associated policy. If AAMI cannot find a matching transaction, contact your bank to investigate and, if necessary, raise a dispute or card fraud claim.

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