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Paul Coughran

Paul Coughran

Updated 07/11/2023

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.


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.


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.

GENERAL ADVICE WARNING: General Advice is advice that has been prepared without considering your current objectives, financial situation or needs. Therefore, before acting on this advice, you should consider the appropriateness of the advice having regard to those objectives, situation or needs.

If the advice provided relates to the acquisition or possible acquisition of a new insurance policy you should consider the Insurers PDS prior to making the decision to purchase their product.

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.

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Meet our energy expert, Paul Coughran

Paul's top energy tips

  • 1

    Australia’s top three energy companies still hold 64% of the total Australian market, even though competition was deregulated in 2017.

  • 2

    If you don't shop around for energy providers, you’re probably leaving your savings on the table by failing to compare better value options.

  • 3

    Most energy providers offer discounted rates for new customers, which is a strong incentive to switch.

  • 4

    There should be no interruption when you switch energy providers. You'll need to pay a new company for your energy, but there won't be a disruption to your power supply.