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Edited by:
Ajust Content Team
Last updated:
October 8, 2025
AI-sourced. Human-edited. Made clear for you.

Can you get a refund from
AAMI
? Check eligibility first

Understanding when you’re eligible for a refund from AAMI is key:

  • 21-Day Cooling-Off Period: Cancel your policy within 21 days of starting or renewing (provided no claims have been made) and receive a full refund.

  • After 21 Days (Pro-Rata Refunds): If you cancel after the cooling-off period, you’ll receive a refund of your unused premium, minus applicable administrative fees (usually around $30) and any non-refundable government charges.

  • Exclusions:
    • No refunds if a claim (especially total loss) has been made.

    • Refunds below $10 aren’t provided.

    • Government fees (stamp duty) are non-refundable.

How to get a refund from
AAMI

AAMI makes refunds straightforward. Follow these clear steps:

1. Check Your Refund Eligibility

  • Confirm you're within the 21-day cooling-off period for a full refund.

  • After 21 days, understand your refund will be pro-rated minus fees.

2. Initiate Cancellation (Online or Phone)

  • Use the AAMI online account portal or AAMI app to cancel your policy.

  • Alternatively, call 13 22 44 to speak to customer support directly.

3. Provide Your Policy Details

  • Clearly specify your policy number and cancellation date.

  • Mention explicitly if within the cooling-off period to ensure accuracy.

4. Receive Confirmation

  • AAMI will confirm your cancellation and refund amount.

  • Request written (email) confirmation for your records.

5. Follow-Up if Needed

  • Most refunds process quickly. If not received within 10 business days, contact AAMI customer support for an update.

AAMI
’s refund timeframe - how long it takes

Typically, your refund is processed swiftly:

  • Cooling-Off Period Refunds: Usually received within 5–7 business days.

  • Pro-Rata Refunds (after 21 days): Processed within approximately 10 business days.

  • Delays: Uncommon but can occur due to administrative errors or banking delays. Contact AAMI support if your refund is overdue.

AAMI
’s refund methods - how you'll get your money back

AAMI uses straightforward refund methods:

  • Original Payment Method: Refunds issued directly back to your original payment source (e.g., credit card, debit card, direct debit bank account).

  • Direct Debit Adjustments: Future payments stopped immediately upon cancellation. Excess amounts refunded to your linked bank account.

  • Cheque (Rare Cases): Only if original payment methods fail (e.g., closed accounts), AAMI issues a cheque by mail.

Note: No in-person cash refunds available.

Common refund issues with
AAMI

Being aware of common issues helps ensure a smooth refund:

  • Unexpected Admin Fees: Many customers are surprised by admin fees (approx. $30) deducted from refunds after the cooling-off period.

    • Tip: Confirm potential fees upfront when cancelling mid-term.

  • Delayed Refunds: Occasionally refunds take longer than expected due to technical or administrative glitches.

    • Tip: Follow-up after 10 business days if refund hasn’t appeared.

  • Continuing Charges Post-Cancellation: Rare cases where direct debits continue post-cancellation.

    • Tip: Check bank statements to ensure no further charges occur; contact AAMI immediately if noticed.

  • Small Refunds Not Issued: Refunds under $10 are not processed.

    • Tip: Be aware of this policy to avoid unnecessary follow-ups.

AAMI
 cases submitted through Ajust

I’d been double charged for two AAMI policies I didn’t even know were active. We hadn’t made any claims, yet they only offered half a refund and ignored the prior year. It felt like no one was listening until we pushed again. After all that, we just wanted fair treatment and a refund that reflected the facts. - Jane

AAMI told me my car was written off-but never asked my permission or even told me. I only found out after calling the repairer myself. Now my car’s gone, and I’m left chasing answers and asking for it to be returned so I can handle things through my own insurer. - DR.MENG

We paid our excess, but nothing happened. Weeks of back and forth, contractors visiting but no repairs. Even the property manager couldn’t get through to AAMI. In the end, I asked for the excess to be refunded because nothing was progressing and my tenants were the ones left suffering. - Vaidyanathan

Our car was written off, but it took weeks of silence and constant follow-ups to get any payout. I had to borrow money just to get a replacement car. AAMI’s delays left us wondering if we’d ever see our refund-and we still haven’t heard back. - Victor

Customer experiences with
AAMI
 refund cases

Efficient Cooling-Off Refund: “Cancelled my AAMI insurance within the cooling-off period and received a full refund quickly. No hassles."

Unexpected Fee Reduction: “Got about half my expected refund due to fees. I should’ve clarified this first.”

‍

Resolved Refund Delay: “Initially faced a 20-day delay. After calling customer service, AAMI quickly resolved and processed the refund.”

‍

How
AAMI
 Refund Policy Compares to Competitors

  • AAMI: Offers a 21-day cooling-off period, charges an approximately $30 admin fee, refunds via original payment or direct deposit, and provides full online cancellation.

  • NRMA Insurance: Has a 21-day cooling-off period, admin fees around $40, refunds via original payment, with partial online cancellation (phone required).

  • Budget Direct: Provides a 21-day cooling-off period, charges a flat $40 admin fee, refunds via original payment, and fully supports online cancellation.

  • Allianz: Includes a 21-day cooling-off period, admin fees ranging approximately from $30 to $50, refunds via original payment, with partial online cancellation (phone required).

  • RACV/RACQ: Offers a 21-day cooling-off period, admin fees between $0 and $40, refunds via original payment, with partial online cancellation (phone required).

Official
AAMI
Refund Resources & Links

Utilise official AAMI resources for reliable information:

AAMI
Refund FAQs

Can I get a full refund from AAMI if I cancel my policy early?

Yes, AAMI offers a full refund if you cancel within 21 days and haven’t made a claim. This is known as their cooling-off period. After that, you may still receive a pro-rata refund, but admin fees and non-refundable charges apply. Always check your claim history and cancellation date before initiating to avoid surprises.

What fees or deductions should I expect from my AAMI refund?

If cancelling after 21 days, expect around $30 in admin fees and no refund on government charges. Refunds under $10 won’t be processed. Understanding these deductions upfront helps avoid confusion or disappointment when your final refund arrives.

How long does an AAMI refund take after cancellation?

Refunds during the cooling-off period usually arrive within 5-7 business days, while pro-rata refunds take about 10 days. If delays occur, especially beyond 10 business days, contact AAMI support to check the status and confirm bank details.

What can I do if my AAMI refund is delayed or incorrect?

If your refund is late, incomplete, or missing, contact AAMI support and request written confirmation. Keep records of cancellation and follow up after 10 business days. Tools like Ajust can also help escalate issues quickly if you're getting nowhere with AAMI directly.

You deserve your money back, don’t let it slip away.

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AAMI

refund request that gets seen.

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