Flexible car insurance
Flexible car insurance
Whether you’re driving thousands of kms, or just a few, we’ve got cover to suit.
- Instant cover - get set up with a policy in minutes
- Flexible excess - adjustable excess options to suit different budgets
- 24/7 emergency help - because accidents don't just happen from 9-5
ahm & Medibank health members get 10% off¹
ahm & Medibank health members get 10% off¹
ahm’s award winning car insurance!
ahm car insurance has won the WeMoney award(opens in a new tab) for best value. Check out ahm car insurance today!
Drive less? Save more.
Drive less? Save more.
If you drive less than 15,000 km a year, our Pay As You Drive Cover could save you up to 30% compared to our regular comprehensive cover.
Choose cover that works for you
Comprehensive cover
Comprehensive cover
Protection for your car, and cover in case you damage someone else’s car or property.
What’s included
Flexi-excess
You can choose to opt for a higher excess and reduce your premiums.
Up to $20m liability cover
We’ll pay up to $20 million if your car damages someone else’s vehicle or property.
24/7 emergency help
Call us any time. We’re always here to help you stay safe and organise your car to be towed, no matter the time.
Additional benefits
Cover for trailers, caravans, personal property, child safety seats and more.
Theft and damage cover
Cover for damage or loss caused by theft, attempted theft, collision, malicious damage, fire, and natural events.
New for old car replacement
We’ll replace your car with a new car of the same value if it’s under 2 years old, has been written off and you’re the first registered owner.
Add ons
Pay As You Drive Cover Cheaper!
Simple cover for when you don’t spend too much time behind the wheel.
Roadside assistance
Essential roadside assistance to get you back on the road.
This is a separate service provided to you by Allianz Global Assist. Read the Roadside Assistance Terms & Conditions
Hire car
We’ll help with the bill for a hire car if your claim for theft or damage is covered.
Kanga cover
We’ll repair or replace your car, excess-free, for your first animal collision claim each year.
Sports gear cover
Up to $3,000 to cover your sports gear while it’s in, or on, your car. Cover terms apply.
Excess-free windscreen
We’ll repair or replace your windscreen, excess-free, once every 12 months.
Need help choosing cover?
1300 518 049
8am – 6pm Monday to Thursday ()
8am – 5pm Friday ()
24/7 emergency help
For emergency assistance call (+61) 2 4062 8737
24 hours a day, 7 days a week within Australia and overseas
Handy links
Common questions
Things you should know
ahm health insurance is a business of Medibank Private Limited (ABN 47 080 890 259), who is the promoter of this insurance, as an authorised representative of Open Insurance Pty Ltd ABN 23 166 949 444 AFSL No. 451712 (Open) under AR 000286089. This insurance is issued by Open on behalf of the insurer, The Hollard Insurance Company Pty Ltd ABN 78 090 584 473 AFSL No. 241436. Medibank Private Limited and Open act as agents of Hollard and not on your behalf. Any information or advice provided is general information only and doesn’t consider your objectives, financial situation or needs. You should carefully read the relevant combined Product Disclosure Statement and Financial Services Guide and consider the Target Market Determination to help you decide if the product is right for you.
ahm and Medibank health members who hold an eligible private health insurance policy at the time of first taking out a car and/or home insurance policy receive 10% off their insurance premium, applying each policy term while remaining an ahm or Medibank health member. Discount(s) does not apply to taxes, government charges, fees or optional non-insurance services (e.g. roadside assistance). Minimum premiums may reduce savings discounts. We reserve the right to withdraw or extend this discount at any time.
Benefits subject to terms and conditions, including exclusions and limits (and sub-limits) of the insurance policy. When making decisions about the product you should always refer to the Product Disclosure Statement and Financial Services Guide and the relevant Target Market Determination.