ahm car insurance review

ahm offers a decent level of coverage but might not suit drivers on a tighter budget.

4.2 ★★★★★ (27 reviews) Write a review
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Nicola Middlemiss

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Our verdict

Pros

  • Up to $1,000 covered for locks and keys. Some providers only cover up to $500.
  • With lots of customisation options, drivers can tailor cover to suit their needs
  • If you have low mileage, ahm's Pay As You Drive Cover could save you up to 30%

Cons

  • Of the 30 car insurance policies we compared, ahm's was more expensive than most
  • Up to $500 covered for personal items - some providers offer up to $1,000
  • There's no option to extend hire car cover after an at-fault accident

How does ahm compare with other car insurers?

ahm's comprehensive car insurance sits around the middle of the pack. Its pricing excludes it from being a cheap car insurer yet it limits remain lower than some higher-end car insurance providers.

Features

1 - 5 of 5
Updated regularly
Product Finder Score Choice of repairer New Vehicle Replacement Roadside assistance Hail, storm and flood damage
Finder Score
9.1 Excellent
Optional
  • If your car is written off in the first 2 years or is under 40,000kms
    • Optional
    Summary: Budget Direct Comprehensive is highly commended as a feature-packed car insurance. It's cheaper than most, plus you can lower costs by adding age restrictions.

    ⭐ Current offer: 15% off your first year's premium when you take out a policy online. T&Cs apply.

    Who it might be good for: Anyone who wants a good value policy.
    Get QuoteView details
    ahm Comprehensive Unlimited Kilometres
    ahm logo
    Finder Score
    8.7 Great
  • If your car is written off in the first 2 years
    • Optional
    Summary: Its "pay as you drive" cover can save you up to 30% compared to its standard comprehensive cover. There's also no excess to pay if you hit a Kanga or other animal.

    Who it might be good for: Rural drivers and those who drive less than 15,000 km a year.
    View details
    NRMA Comprehensive
    NRMA logo
    Finder Score
    9.9 Excellent
    Optional
  • If your car is written off in the first 2 years
    • Optional
    View details
    AAMI Comprehensive Car Insurance
    AAMI logo
    Finder Score
    8.3 Great
  • If your car is written off or stolen in the first 2 years
    • Optional
    Summary: AAMI's comprehensive policy includes cover for legal modifications and accessories and up to $20 million cover for damage to other people's property. Optional extras like windscreen and window glass cover is also available.

    ⭐ Current offers: Save $50 when you buy a new comprehensive car insurance policy online. T&Cs apply.

    Who it might be good for: Safe drivers can benefit from the AAMI Safe Driver Rewards® program.
    View details
    Allianz Comprehensive
    Allianz logo
    Finder Score
    7.7 Great
  • If your car is written off or stolen in the first 2 years
    • Finder’s summary: Allianz is good if you want agreed value (this lets you agree on an amount to cover your car for. For a big insurer, it also has a strong customer service record.

    Who it might be good for: Anyone who wants good customer service and agreed value cover.
    View details
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    Price

    Cost research for the Finder Awards found that, on average, ahm's comprehensive car insurance policies cost $1,469 a year. That's $106 higher than the industry average of $1,362.

    The below table is based on quotes from a fictional driver and your own quotes will differ.

    Keep in mind, the best car insurance for you may depend on more than just price.

    InsurerNSWQLDSATASVICWAAustralia averageApply
    ahm logo$1,783$1,305$1,344$1,162$1,931$1,289$1,469More info
    $1,148$941$978$829$1,180$880$992Get quote
    youi$1,640$1,307$1,087$1,155$1,599$1,363$1,359Get quote
    NRMA logo$2,027$1,154$1,038$1,004N/A$1,034$1,043More info
    AAMI$1,884$1,106$1,015$985$1,318$1,002$1,218More info

    About our car insurance methodology

    Compare ahm's policies

    Product Finder Score Accidental damage Roadside assistance Fire and theft New Vehicle Replacement Hire car after theft
    ahm Comprehensive Unlimited Kilometres
    ahm logo
    Finder Score
    8.7 Great
    Optional
  • If your car is written off in the first 2 years
  • Up to $70 per day - Up to 14 days
    • Summary: Its "pay as you drive" cover can save you up to 30% compared to its standard comprehensive cover. There's also no excess to pay if you hit a Kanga or other animal.

    Who it might be good for: Rural drivers and those who drive less than 15,000 km a year.
    View details
    ahm Third Party Property Damage
    ahm logo
    Finder Score
    7 Great
    Optional
    Optional
    • Optional add-on
    People who want to add roadside assistance and a flexible excess option (which can help lower your premium). It only covers up to $3,000 if your vehicle is damaged by an uninsured driver at fault who you can identify.
    View details
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    What additional cover options are available?

    Ahm offers a broad range of optional add ons that allow drivers to customise their policies to better suit their specific needs. They include -

    • Pay as you drive cover - Cheaper cover for drivers who don't drive frequently, or far
    • Roadside assistance - A 24/7 recovery service to help get back you back on the road
    • Hire car - Add on a hire car if you ever claim for theft or damage to your vehicle
    • Kanga cover - ahm will repair or replace your car, excess free, for one animal collision a year
    • Sports gear cover - Up to $3,000 to cover sports equipment while it's in or on your car
    • Excess free windscreen - Get your windscreen repaired or replaced, excess free, once a year

    FAQs

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    Nicola Middlemiss's headshot
    Journalist

    Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards. See full bio

    Nicola's expertise
    Nicola has written 249 Finder guides across topics including:
    • Personal finance
    • Personal insurance, including car, health, home, life, pet and travel insurance
    • Commercial business insurance
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