AIU Car Insurance Review [2020]

AIU car insurance now operates worldwide under the name Chartis. Unlike other car insurance companies, Chartis pays for totaled cars based on a value that is predetermined upon purchase.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Oct 14, 2021

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Company Details
Address: 175 Water Street
City: New York
State: NY
ZIP Code: 10038
Phone Number: 212-770-7000
Year Founded: 1919
AM Best Rating: A (Excellent)
Company Rating 0 (0 reviews)

Here's what you need to know...

  • AIU is currently doing business under the name Chartis and has more than 45 million customers worldwide
  • AIU car insurance can be purchased for all types of cars, including your everyday car, vintage vehicle, or motorcycle
  • AIU car insurance also offers high liability limits, new car replacement, rental car reimbursement, and free towing

AIU Insurance Company started selling a variety of insurance products in 1851. You may hear broad terms thrown around when companies rebrand, but all it means in this case is that they are operating under a new name; they are the same company.

Originally American International Insurance Company, it offered accident, casualty, health, marine, property, and surety insurance. In 1976, it officially became AIU Insurance Company operating under AIU Holdings LLC.

AIU is currently doing business under the name Chartis and has more than 45 million customers worldwide, although not all of their insurance products are available in every region.

Now, customers are provided the same types of coverage options, but simply file their claims under the different name. There are still plenty of options, whether you need life insurance or health insurance policies, AIU, now Chartis, has a vast range of possibilities. Through Chartis, AIU insurance sells the following forms of coverage in addition to car insurance:

  • Accident and health
  • Home and property
  • Identity theft
  • Mortgage coverage
  • Travel insurance

You may not need any specialty insurance products, but that’s alright – they can tailor a policy to your specific needs. They also offer business insurance. Business owners can purchase the following products:

  • Accident and health
  • Alternative risk and financial solutions
  • Aviation
  • Casualty
  • Environmental
  • Global marine and energy
  • Management and professional liability
  • Multinational companies
  • Property and workers’ compensation.

As you can see, they offer a wide range of insurance options. Other services include crisis management, captive management services, and global loss prevention.

Chartis also sells an insurance product called Private Client Group that addresses home insurance, car insurance, liability, collectibles and valuables, boats and watercraft, and additional coverage for things such as home offices or international travel.

AIU car insurance can be purchased for all types of cars, including your everyday car, vintage vehicle, or motorcycle.

Unlike most car insurance companies, if there is a total loss, Chartis will pay you based on an agreed upon value that is predetermined by both parties at the onset of the policy.

Another unique feature to consider if you are looking for car insurance is their customized pricing and high deductible option.

Such options allow you to save money on your premiums by choosing a deductible up to $10,000. AIU car insurance also offers high liability limits, new car replacement, rental car reimbursement, and free towing. Meaning any type of claim you might file will see a satisfactory outcome, though you may want to ask what their average claim response time will be.

While finding AIU car insurance quotes and actual costs online seems to be impossible, you can certainly enter your zip into our free tool to compare car insurance quotes to see what it will cost you for coverage and to be able to file claims with many other companies. It should help you make confident insurance decisions to be able to compare companies.

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