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Essentials by AAI Car Insurance
Car Insurance Buying Guide
Our buying guide will explain which type of car insurance would suit you most, how much you can expect to pay for one, and which features are worth looking out for.
TLeeVictoria
- 5 reviews
RUDE CUSTOMER SERVICE!!
I had a call with AAI this evening to try and change my payment week because i get paid from work on the oppisite week, i was literally told from the worker the following: " We dont do that, I work for suncorp and this is for people who are struggling, we are doing this as a favour, we do not have an moving room to change payments" . among other things, he was so rude! OK so basically because im "struggling" im less of a person and you cant change my payment weeks because you are LAZY!? i still pay!!? im still a customer? this made me so ANGRY!...Read more
i am not looking for another insurance provider because not only are they RUDE they are actually not that cheap! i found another place that does insurance for the same amount i currently pay $70 per month through AAISimilar opinion? Write a review on ieatwords.com.au!
stephenadelaide
- 18 reviews
- 1 like
good for a year, until the price goes back up to equal the rest
i signed up with AAI as they APPEARED to do what other companies don't - offer insurance at a much more affordable price for those on low incomes.
this was true for the first year but then i got quite a shock when i saw the next bill to be as high as my previous insurer (AAMI - who incidentally own AAI).
there's no negotiation when speaking to staff - they care about your circumstances for a year & then you're expected to 'come up with the money' on even par with the rest.
even AAMI used to have the practice of making their yearly bills increas...Read more
e, but through negotiation, you could usually bring it close to the previous years cost. thing is, we should never really have to go to this level to keep these companies 'honest' (investing time researching costs & semi-aggressively needing to 'negotiate'). not impressed considering their main selling point (those on pensions/low-income etc) - they do themselves a disservice in time when their 'customers' can't afford what they charge. i've now seen that practically ALL insurers provide cheap rates for a year & once you're pulled in, it goes up significantly. so i've now had to start hopping from one supplier to the next to keep things 'affordable'. would not recommend.
Similar opinion? Write a review on ieatwords.com.au!
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3.8(5,575)- Essentials by AAI Car Insurance
- Verified customer
Best price by a mile and no excess.
I live on a pension - way under the total $48,000 household income limit to be eligible for cover under this micro finance deal designed especially for low income earners. I rent in Melbourne, have credit card debt, and my car isn't worth much so price was my biggest concern and to begin with, I was just googling third party policies to compare different companies. I had no idea something like AAI Essentials existed. For just over $300 per year ($6.60 a year), I get not just third party property cover but repairs to my car if the other driver ...Read more
is at fault (very handy if the other driver is uninsured) so it's half way between third party and comprehensive insurance. And best of all, no excess unless you have 3 claims in one year. I've only been with them a year and haven't had to make a claim but they organise for fortnightly direct debits from my bank account to be done on pension day so I don't have to worry about forgetting that a monthly payment is due or stump up the whole lot at once. They have two cover levels: one for $3000 maximum and one for $5000 maximum for your car (and whatever the cost is for the other c.ar). Very simple. I've never had a car worth more than $5000 anyway but even if it was worth 6 or 7 grand, I'd still go for this policy as what I'm saving in yearly costs would cover that extra in a few years. I can't remember for sure but I think if the car gets written off and it's your fault, you're not covered but check that in the conditions on line. Ask for a product statement if you're unsure. Either way, there's nothing comes close to this for third party only coverage and everyone else has a significant excess as far as I could tell. I'm just relieved to be covered if I damage someone else's car or, as has happened to me in the past, someone damages my car then, on finding out I had no insurance, decides not to lodge a claim to save themselves the excess. Good luck trying to get an insurance company to pay up if the driver doesn't lodge a claim.Similar opinion? Write a review on ieatwords.com.au!
Find out how Essentials by AAI Car Insurance compares to other Car Insurance
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EuramayaPerth, WA
omg- this has been a disaster! no skill set or product knowledge, no integrity, zero customer service, zero efficiency
I chose this insurer as I was impressed that an affordable product was almost being sold as a social service for low income earners and I wrongly assumed their service providers would use empathy and product knowledge to help vulnerable clients access the support they needed. Front line staff and management have been close to useless and I do not use those words lightly. Interactions have left me further out of pocket, vulnerable and wasted hours on the phone going nowhere fast.
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Questions & Answers
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