AMI vs Xero Verify
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
AMI
Manage your insurance policies, make claims, and get new quotes quickly and easily. Access all your policy documents and payment options in one convenient place, anytime, anywhere. Features faster login options for seamless access.
- 24/7 insurance management
- Faster login (PIN/Face ID)
- Online claim submission and tracking
- Payment management
- View policy information and documents
- Get new quotes in 2 minutes
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About this app Your AMI insurance anytime, anywhere. With the AMI app, we’re here for you 24/7. Manage your insurance with faster log in using a PIN or face ID. Make a claim online Starting your claim is easy in the app. If you need to claim on your car, home or contents insurance, you can start a draft, make a claim, and check your claim’s progress every step of the way. Easily manage your payments Make a payment for your policy straight from the app. Or if you have a recurring payment, you can manage that in the app too. All your policies in one place View your policy information and documents in the app. You can see what you’re covered for at any time. And choose to get your insurance documents by email or by post. Get a quote Get a new quote in 2 minutes. Or find an existing car quote and pick up where you left off.
Xero Verify
Enhance your business's online security with this official authentication app. It adds an extra layer of protection to your account, preventing unauthorized access even if your password is compromised. Enjoy fast and secure logins with push notifications or offline verification codes.
- Push notification authentication
- Generate offline verification codes
- QR code setup
- Secure Xero account logins
- Multi-factor authentication
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This is the official authentication app developed by Xero Ltd. It's free to use, and Xero will never charge you for it. At Xero, protecting your data is fundamental to everything we do. Just one easily guessed password can stop your business in its tracks. So Xero has put an extra deadbolt on the door to help keep your data secure. This is why Xero uses MFA to secure logins. It significantly reduces the risk of someone gaining access to your account, even if they've managed to obtain your email and password through a phishing attack or malware. The Xero Verify app is simple to use. You can receive push notifications for fast authentication, instead of having to open the app and enter a code into Xero when you login. Simply accept the notification on your device's home screen - it's that easy. Features: * Sign into your Xero account using push notifications on your device (if enabled). * Generate six digit verification codes, even if you don't have a network or mobile connection. * Use Xero Verify to authenticate your Xero account (it can't be used on other products outside Xero) * Easy set up using QR code Permission notice: Camera: Needed to add accounts using QR codes Push notifications: Accept to receive push notifications Follow Xero on Twitter: https://twitter.com/xero/ Join the Xero Facebook Fan page: https://www.facebook.com/Xero.Accounting Privacy policy: https://www.xero.com/about/legal/privacy/ Terms of use: https://www.xero.com/about/legal/terms/
Screenshots
Verdict
The clearest difference is rating: AMI at 4.5 against Xero Verify's 1.4. Xero Verify's advantage is ratings volume (205 vs 10) and iOS requirement (15.0 vs 17.0). On price, review sentiment, update cadence and ads there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
AMI holds the better App Store score, 4.5 against 1.4. That said, the two scores are not equally well evidenced: Xero Verify has 205 ratings behind it against 10, so its average is the more settled of the two. Written reviews complicate that: 12% of AMI's written reviews are positive against 15% of Xero Verify's, so the app with the better star average is not the one people write more warmly about.
AMI ships an update monthly, Xero Verify every 3 weeks. The most recent releases landed on October 13, 2026 and October 20, 2026 respectively.
| Parameter | AMI | Xero Verify |
|---|---|---|
| Price | Free | Free |
| Rating | 4.5 (10 ratings) — better | 1.4 (205 ratings) |
| Positive reviews | 11.7% of reviews | 14.7% of reviews — better |
| Number of ratings | 10 | 205 — better |
| Update frequency | Monthly | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad | iPhone, iPod |
| Requires iOS | 17.0 | 15.0 — better |
| Further details — not scored | ||
| Size | 78 MB | 10 MB |
| Age rating | 4+ | 4+ |
| Developer | IAG New Zealand Limited | Xero Ltd |
Customer experience
AMI
Xero Verify
User reviews
AMI
From 10 App Store ratingsWhat we love
- 👍 Great service (occasional)
- 👍 Super convenient (occasional)
- 👍 Refreshed app works great (recent)
- 👍 App is fine once logged in (occasional)
Room to improve
- 🐛 App crashes frequently
- 🐛 Slow loading times
- 🐛 Clunky and difficult navigation
- 🐛 Frequent logouts
- 🐛 Login issues (access denied, blank screen, errors)
Xero Verify
From 205 App Store ratingsWhat we love
- 🚀 Seamless integration
- 🔒 Robust security
- 👍 Easy to use
- 🚀 Quick authentication
Room to improve
- 🐛 Unreliable performance
- 🔒 Forced MFA requirement
- 📱 Unnecessary separate app
- ⏱️ Time-consuming setup
- 🔑 Difficult to recover from lost credentials
Bugs and requests
AMI
Reported bugs
10 issues- App crashes on opening or loading policies
- Login errors (access denied, blank screen, 'Oops' message, 'cannot decode raw data')
- App redirects to website instead of functioning
- Unable to download new or updated versions
- Constant logging out
Show 5 moreShow fewer
- Policies not showing in the app
- Cannot change payment options
- Payment not confirmed or updated on app
- Contact us feature not working
- App not supporting Face ID
Requested features
8 requests- Support Face ID or similar biometric login
- Streamline the login process
- Display numeric keyboard for verification
- Do not reset login preferences on update
- Send 2FA codes to autofill
Show 3 moreShow fewer
- Provide clear policy documents with itemized costs
- Add a link to find monthly payments
- Make it easier to cancel a policy
Xero Verify
Reported bugs
3 issues- Codes not working
- Repeated login issues
- Sync problems between app and web
Requested features
3 requests- Option to use SMS/email for 2FA
- Integrate with existing authenticator apps
- Provide more flexible security settings
In-app purchases
AMI
No in-app purchases
Xero Verify
No in-app purchases









