In short; yes it does. When you get a quote for an AAMI car insurance policy, we need to ask questions about your driving history. This information, along with other data, helps us work out your premium and your excess. Having previous driving convictions or charges against you doesn't necessarily mean we won't cover you, but it can depend on the severity and how recent the events were.
Driver History Excess
A drivers history excess applies if a listed driver involved in an accident has had their licence cancelled, suspended, disqualified or restricted in the 3 year's prior to the start of the period of insurance.
Understanding the different types of excess is important, because if you're involved in an accident this will be your out-of-pocket expense.
Safe Driver Rewards
There can be cost benefits in keeping a safe driving record as an AAMI Comprehensive Car Insurance policy holder. Over time, you may receive up to 15% credit off your premium, and up to 25% off your Roadside Assist.* These benefits may apply to anyone with Comprehensive Car Insurance who keeps a safe driving record (i.e. makes no claims where they or a driver of their car is at fault) for a set number of years. This is regardless of their prior history before starting their Comprehensive Car Insurance policy with AAMI. Terms and conditions do apply, so for more information on how it works check out the Safe Driver Rewards page.
* Safe Driver Rewards is a percentage of last year's Comprehensive Car Insurance premium (before any Safe Driver Reward credit), and is applied as a credit to next year's premium. Maximum 15% discount is for drivers who don't make a claim on their Comprehensive Car Insurance policy that impacts their Safe Driver Rewards status for 10 years+.