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Car Insurance

Looking for a car insurance comparison? Get a car insurance quote from New Zealand’s Most Trusted General Insurer. From Comprehensive to Third Party insurance, we’ve got you covered. Live a little freer with AA Insurance.

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Voted Most Trusted General Insurer* by NZers for 10 years running

Three levels of cover

Comprehensive

Keep yourself fully protected with our most popular cover. We'll cover damage to your car, as well as damage you might cause to someone else's car or property.

Third Party, Fire & Theft

Cover for your car if it is damaged by fire, stolen, or you accidentally damage someone else’s property with your car.

Third Party

Basic cover for you if you damage someone else’s property with your car.

*As voted by consumers 2011 – 2020 in the Reader’s Digest Trusted Brands survey. For more information visit aainsurance.co.nz/awards

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Agreed Value

If your car is ever written off or stolen, your settlement will be based on the value agreed when you took out your policy, or last renewed it. And this includes any accessories or modifications we agreed to cover.

Comprehensive
Third Party Fire & Theft
Third Party Fire &
Theft
Third Party
One event, one excess

If you have more than one policy with us and have an accident, you'll only pay one excess - the highest applicable one.

Comprehensive
Third Party Fire & Theft
Third Party Fire &
Theft
Third Party
Discounts

If you have more than one policy with us or you're an AA Member - you may receive discounts.

Comprehensive
Third Party Fire & Theft
Third Party Fire &
Theft
Third Party
Lifetime Repair Guarantee

When we repair the damage to your car through our quality repairer network , we guarantee the repairs for the life of your car, even if you sell it.

Comprehensive
Third Party Fire & Theft
Third Party Fire &
Theft
Third Party
Towing, transport and storage

If you have an accident and your car is not able to be driven, we’ll pay to tow your car to the nearest place of safety, store it there, and get you and your passengers home.

Comprehensive
Third Party Fire & Theft
Third Party Fire &
Theft
Third Party
Damage to someone else's property

If you accidentally damaged someone else's car or property, we'll pay up to $20 million if you're legally liable for the costs.

Comprehensive
Third Party Fire & Theft
Third Party Fire &
Theft
Third Party
Damage to your car

If your car is accidentally damaged by you or someone else, we'll repair it or pay you your Agreed Value to replace it.

Comprehensive
Third Party Fire & Theft
Third Party Fire &
Theft
Third Party
Damage caused by an uninsured third party

In an accident where an uninsured vehicle has caused damage to your car, we’ll pay for the repairs to your car up to $4,000.

Comprehensive N/A Full cover applies
Third Party Fire & Theft
Third Party Fire &
Theft
Third Party
Car is stolen

If your car is stolen - we'll pay you your Agreed Value to replace it.

Comprehensive
Third Party Fire & Theft
Third Party Fire &
Theft
Third Party
Fire damage

If your car is accidentally damaged by fire, we’ll either repair it or pay you your Agreed Value to replace it.

Comprehensive
Third Party Fire & Theft
Third Party Fire &
Theft
Third Party
Excess-Free keys and locks

If your keys have been stolen and your car is at risk, we’ll pay to replace the keys and locks on your car up to $750 – and you won’t have to pay an excess.

Comprehensive
Third Party Fire & Theft
Third Party Fire &
Theft
Third Party
Excess-Free Glass Cover

By adding Excess-Free Glass Cover, you won’t have to pay an excess if your claim is only for accidental damage to your windscreen or windows.

Comprehensive
Third Party Fire & Theft
Third Party Fire &
Theft
Third Party
Rental Cover

By adding Rental Cover, you’ll be provided with a rental car to keep you on the road while your car is being repaired.

Comprehensive
Third Party Fire & Theft
Third Party Fire &
Theft
Third Party

Policy document

This is only a summary of key benefits. Application for cover is subject to Underwriting acceptance. For full details, exclusions and limitations, please read the policy document.

Frequently asked questions

If you can't find the answer you're looking for, please contact us.
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Why choose AA Insurance?

NZ's most trusted insurer

Thanks for voting us New Zealand's Most Trusted General Insurance provider for ten years running. Earning your trust is one thing. But keeping it is everything.

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We put you first

We put our customers' needs first and pride ourselves on working with them to eliminate stress and uncertainty.

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Easy, stress-free claims

One of our Customer Managers will guide you through the entire process. They'll keep you fully informed, making sure things stay on track and hassle-free.

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