Individual cover or multiple covers

You can have a maximum of one contents cover
and up to two car covers per policy
Read more about your COVER OPTIONS

How does it work?

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Essentials by AAI Introduction

We offer one policy where you can build the cover that best suits your needs. Our insurance is designed for people who mightn’t have the money for mainstream insurance. We can provide cover for the things you rely on when you’re on a tight budget.

Am I eligible for this insurance?

Essentials by AAI is designed
for low income earners.
  • Have a healthcare card, or
  • Receive Centrelink payments, or
  • Have an annual household income of approximately $48,000 or less (excluding superannuation)

Flexible payment options

  • Fortnightly, Monthly and Annual payment options available
  • No extra charge for instalment payments
  • Over the phone
  • Direct Debit, Credit Card, Centrepay, Post Office (annual)


To obtain a quote for Essentials by AAI:

The sum insured is the most we will pay for loss or damage to your car or insured contents items in any one incident.

For car insurance, we will pay up to a maximum of $3,000 or $5,000 less any deductions that may apply, depending on the level of cover you choose.

For contents insurance, the sum insured is up to $10,000 or $20,000 depending on your level of cover.

Your sum insured will be shown on your certificate of insurance.

An excess is the amount you may have to pay for each incident when you make a claim. Sometimes you might have to pay more than one type of excess. The amount and types of excess are shown on your certificate of insurance and described in the PDS.

When you make a claim we will choose whether to deduct the applicable excesses from the amount we pay you or direct you to pay the excesses to us or to the appointed repairer or supplier.

If you are unable to pay any applicable excess due to your financial circumstances, you can ask us to consider alternative ways to pay, e.g. by instalments. Please let our staff know and they will send you information in regards to our financial hardship process.

Essentials by AAI offers a hassle-free claims service. We can arrange repairs to or replacement of your insured contents items after an approved claim. If we agree to pay a claim for theft or damage to your car, we can decide if we will pay you what it would cost us to repair or replace the damaged parts of your car, or pay up to the sum insured limit that you selected for your car, or repair the damage.

To make a claim please call us on 1800 429 598.

We have convenient payment options to suit everyone:

  • By phone
  • BPAY
  • Pay by the month – monthly payments can be charged to your credit card or deducted from your cheque/savings account
  • Fortnightly – fortnightly payments can be charged to your credit card or deducted from your cheque/savings account or via your Centrelink payment

Your certificate of insurance will show the types of excess that you might have to pay if you claim. Depending on the circumstances, you might have to pay more than one type of excess when you claim. There are six different types of excess:

  • Standard excess
  • Additional excess
  • Age excess
  • Inexperienced driver excess
  • Unlisted driver excess
  • Windscreen and window glass excess

For more information about these excess types please read the Product Disclosure Statement.

Please note for Essentials by AAI, you will not be required to pay the standard excess for the first two contents claims or the first two car claims in the period of insurance for each level of cover you have purchased. On the third claim the standard excess is payable.

See more FAQs


You can find out more by visiting a Good Money store,
or by contacting local community organisations offering the
No Interest Loan Scheme (NILS).

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