ahm Car Insurance Review

Since its inception in 2021, ahm car insurance has experienced steady growth and has become a reputable player in the Australian car insurance industry. With a strong foundation built on the principles of affordability, comprehensive cover options, and excellent customer service, ahm has been dedicated to serving the diverse needs of drivers across the country. They offer two broad types of cover:

• Comprehensive cover.

• Third party property cover.

As a subsidiary of Medibank (established 1976), ahm brings its expertise in the health insurance industry to the world of car insurance, focusing on delivering quality cover that offers peace of mind and an established customer platform. The aim of ahm car insurance is to provide comprehensive protection for vehicles while maintaining the affordability and flexibility to cater to a diverse customer base, including younger drivers.

Coverage Availability

The states in which ahm offers car insurance include:

• New South Wales (NSW)

• Victoria (VIC)

• Queensland (QLD)

• South Australia (SA)

• Western Australia (WA)

• Tasmania (TAS)

• Australian Capital Territory (ACT)

• Northern Territory (NT)

Features of ahm’s car insurance products

Affordable Premiums

Competitive pricing is a source of pride for ahm, making it an attractive option for budget-conscious drivers.

Tailored Cover

A range of car cover options are on offer from ahm. Your policy can be customised to suit your individual needs and preferences, and those of other drivers in your household. The Pay-as-You-Drive cover can save you money on your premium (ideal if you drive less than 15,000km a year), but ahm also offer broader levels of cover. 

Roadside Assistance

Optional roadside assistance is available from ahm as an add-on cover, providing peace of mind for you during roadside emergencies, and road trips.

Multi-Policy Discounts

Multi-policy discounts for drivers who hold multiple insurance policies with ahm are available. This includes discounts for holders of ahm health cover.

Flexible Payment Options

You have the option to pay your premiums in monthly instalments, making balancing your household budget easier - especially in these cost-conscious times.

Aiding Diverse Drivers

This insurer assists a wide range of drivers, from young and first-time car owners to experienced motorists. Each driver’s unique circumstances and requirements requires a diverse array of cover options to cater to different demographics. By being inclusive and adaptable, ahm has emerged as a trusted insurance partner for a diverse pool of drivers.

Conclusion

Providing affordable and flexible cover options, ahm is a viable option for many Australian drivers. However, potential customers are encouraged to seek clarity on policy features, inquire about rideshare coverage if needed, and read ahm's policy documents before making any final commitment.

As with any insurance decision, it's crucial to ensure that your chosen coverage aligns with your individual needs and preferences.

Frequently Asked Questions

1. Can I get a quote online?

Yes, there’s an online quoting tool.

2. How do I make a claim with ahm car insurance?

Most claims can be lodged online 24/7. In some cases you'll even get a decision within minutes.

3. Are there any discounts available?

Member are offered health cover discounts across ahm's range of insurance policies.

Special Conditions and Eligibility

The ahm car insurance policies may have specific conditions and requirements for certain drivers and coverage types (e.g. rideshare). It’s important that you review your policy documents thoroughly and inquire about any special conditions that may apply to your specific vehicle and/or the drivers in your household.

Paul Coughran is the General Manager of Emerging Verticals at Compare Club. Paul has over 20 years of experience across a wide range of industries including Banking and Finance, Telecommunications and Energy. Paul leads a team of trusted experts dedicated to helping individuals make informed decisions about their insurance and utilities needs.

Meet our car insurance expert, Paul Coughran

Paul's top car insurance tips

• 1

  Regularly compare your insurance policies – You could be paying for cover you don’t need. Shopping around every so often can save you a fair bit, maybe even hundreds each year.

• 2

  Don’t just look at the premium—check the excess too. While a higher excess might bring down your premium, remember you’ll have to fork out more if you do need to claim.

• 3

  Double-check what’s included in your policy. Extras like windscreen cover or roadside assistance might not be part of the deal and could cost you more.

• 4

  If you don’t drive much, consider usage-based insurance. Some policies base your cost on how much you actually drive, if you work from home or only use your car for short trips this might be a much better option.