Contents Insurance
Looking for a contents insurance? We've got you covered. Get a contents insurance quote from New Zealand's Most Trusted General Insurer. Live a little freer with AA Insurance.
Contents Calculator
Contents Insurance Policy Benefits:
New for old
If something you own is stolen, lost or damaged beyond repair - we'll replace your item with a new one or with the nearest available equivalent.
While most items will be covered by new for old cover, certain items such as clothing, footwear and cosmetics, or those items which don’t have a suitable replacement item available, will be settled at the Market Value.
Market Value
The reasonable retail value of your asset immediately before it was damaged or lost.
Excess-free cover for food spoilage
We’ll pay up to $1,000 where food is spoiled due to your fridge/ freezer breaking down, or if your power supply is accidentally interrupted. You won’t need to even pay your excess if there is no other loss or damage.
Business tools and professional equipment
If you have business tools and professional equipment but don't require additional business cover, these are automatically covered under your Contents Insurance Policy for up to $3,000 per event.
If you need additional business cover, our Small Business Insurance may be right for you. Please call us on 0800 500 231 to discuss further.
Adjustable event limits
You don’t need to list individual items, but you might need to tell us the total combined value for things like jewellery, cameras, bicycles, works of art and business tools.
Check our policy document or contact us to discuss whether you need more cover for any items.
Legal liability
If you accidentally damage someone else's property, such as breaking a vase in a store - we'll cover you for any claim they make, up to $2 million.
Optional extras
$100 Excess on Eyewear
You can choose to reduce your excess to $100. This means you will only need to pay $100 excess if a claim is made for spectacles, sunglasses or contact lenses, as long as there is no loss or damage to any other item of contents.
Excess-Free Hearing Aid Cover
You can choose to add Excess-Free Hearing Aid Cover to your policy. This means you won’t need to pay any excess if a claim is made for your hearing aids.
Policy Document
This page is only a summary of key benefits, and application for cover is subject to underwriting acceptance. For full details, exclusions and limitations, please read the policy document.
View Policy DocumentContents Calculator
Use our guide to help you calculate the value of your contents.
Use our contents calculator*As voted by consumers 2011 – 2020 in the Reader’s Digest Trusted Brands survey. For more information visit aainsurance.co.nz/awards
What makes us different?
Personal Customer Managers
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Helping you save
One event, one excess
Have more than one policy with us and have an accident, you'll only pay one excess - the highest applicable one.
Multi policy discount
Get a Multi Policy Discount when you tell us about more than one eligible policy you have with AA Insurance. Depending on when you take out your policies, your discount will be applied from the start date of a new policy or at the renewal of an existing policy. T&Cs apply.
AA Member discounts
Exclusive to AA Insurance! AA Member Discounts are dollar discounts that save you money every year on your insurance. The longer you've been an AA Member, the better the discount.
Lower your premiums with higher excesses
With our excess options on your home and contents you can choose a higher excess in return for lower premiums – and you’ll only have to pay that excess when you make a claim.
For more information, give us a call on 0800 500 231 .
Frequently asked questions
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Contents insurance for beginners
Price is often a motivating factor for choosing contents insurance, but the cheapest may not be the best for your circumstances.
Read moreRenovating's a great idea but what about your contents?
You’ve made a start on the reno, and have just added up the cost of all those big ticket items you’ve installed. Now you’re wondering how to protect them while the work is still underway.
Read moreWhy 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.
Our awardsWe put you first
We put our customers' needs first and pride ourselves on working with them to eliminate stress and uncertainty.
Contact usEasy, 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.
Making a claim with us