Limited Contents Insurance
Looking for a contents insurance comparison? We've got you covered. Get a Limited Contents Insurance quote from New Zealand's Most Trusted General Insurer. Live a little freer with AA Insurance.
Contents Calculator
Limited Contents Insurance Policy Benefits:
Cover for burglary, fire, storm, flood or natural disaster
Protect the things you value with cover for loss or damage to your contents caused by burglary, fire, storm, flood or natural disaster.
If you need cover for accidental loss or damage in events of other than these, our Contents Insurance policy may be right for you.
New for old
If something you own is stolen in a burglary, 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 an equivalent replacement item available, we will pay the Market Value.
Market Value
The reasonable retail value of your asset immediately before it was damaged or lost.
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 Limited Contents Insurance Policy for up to $2,500 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 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
Mobile Phone Cover
You can choose to add cover so that your mobile phones will be covered for theft, accidental loss and accidental damage.
Laptop and Tablet Cover
You can choose to add cover so that your laptops and tablets will be covered for theft accidental loss and accidental damage.
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
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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.
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Whether you're moving into your first flat, or been renting for years, sometimes it's hard to know where to find the answers to the simplest questions about insurance. So we've asked our team of experts to help answer the most common queries we get from renters.
Read moreWhy choose AA Insurance?
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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.
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