Trying to cancel
AAMI
? Avoid the runaround.

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Edited by:
Ajust Content Team
Last updated:
August 6, 2025
AI-sourced. Human-edited. Made clear for you.

Can you cancel your
AAMI
 subscription? Check eligibility and conditions

AAMI insurance policies, including car and home cover, come with a generous 21-day cooling-off period from the start or renewal date. Cancel within this window, provided you haven't made any claims, and you'll receive a full refund. After this cooling-off, you can still cancel anytime with a pro-rata refund for unused coverage (minus government charges).

For monthly installments, cancelling stops future payments immediately. Compulsory insurances, such as CTP or MAI, require contacting AAMI directly and have different cancellation criteria. Life insurance products offer a 30-day cooling-off period under similar conditions (no claims made).

Simply put, early cancellations mean bigger refunds. Aim to cancel within 21 days if possible.

How to cancel a
AAMI
 subscription, service or order

 AAMI makes cancelling your policy straightforward through their online virtual assistant or customer support:

Step-by-step Cancellation via Online:

  1. Access the AAMI Virtual Assistant:
    Go to AAMI’s website and select “Cancel your policy” from the Help Centre. Login for verification.

  2. Select Your Policy:
    Choose the insurance policy type (car, home, etc.). Note: CTP and MAI policies require direct contact via phone.

  3. Follow Guided Prompts:
    Confirm your identity and reason for cancellation. The assistant will process your cancellation promptly.

  4. Confirmation & Refund:
    You’ll receive immediate cancellation confirmation via email. Any refund due will process within a few days back to your original payment method or as a direct bank deposit.

Cancelling via Phone (for special cases):

  • For policies not eligible online, such as Life Insurance, call AAMI customer care on 13 22 44. Staff will guide you through the process.

Tip: Letting a policy lapse by non-renewal is also an option if you simply don’t wish to renew.

How long does a
AAMI
 cancellation take?

Timing your cancellation right ensures maximum refunds and convenience:

  • Within 21 Days (Cooling-Off Period): Full premium refund available, but no claims are permitted.

  • After 21 Days: You’ll get a pro-rata refund for unused coverage.

  • Monthly Payments: Cancel a few days before your next payment date to avoid unnecessary charges.

  • Renewal Window: Cancel within 21 days of policy renewal for full annual premium refunds.

No strict deadlines beyond the policy expiry, just aim for early cancellations to minimise costs. Ensure you avoid coverage gaps if switching insurers or selling insured assets.

AAMI
 cancellation fees and final charges – what to expect

AAMI’s cancellation policy is refreshingly clear, there are no explicit cancellation fees. Your refund is simply the unused portion of your premium, minus non-refundable government charges such as stamp duty.

  • No Admin Fees: Unlike some insurers, AAMI won’t charge administrative fees for cancellations.

  • Refund Threshold: Refunds under $10 (GST inclusive) aren’t processed. This minimal amount is effectively waived.

  • Outstanding Payments: Any owed premiums must be settled or deducted from your refund.

In summary, cancelling your AAMI policy won't attract unexpected fees - just the standard pro-rata adjustment and minor governmental deductions.

AAMI
 cases submitted through Ajust

Consumer experiences with
AAMI
cancellations

Quick Refunds: Many customers praise AAMI’s prompt refund process during cooling-off cancellations. They're often refunded fully within days.

Claims-related Issues: A few customers have experienced complications after making claims, with policies not being cancelled promptly, leading to ongoing charges. Resolved eventually but requiring customer persistence.

Long-term Customer Disappointment: Some long-time policyholders expressed disappointment with no retention offers when cancelling due to increased premiums, though cancellation itself was simple and fee-free.

AAMI
Cancellation FAQs

Tried to cancel but
AAMI
made it difficult?

We’ll help you submit a formal cancellation they can’t ignore.