Accidental Damage Cover
This covers your contents for specific events, as well as accidents. With Accidental Damage cover you’ll be protected for Defined Events (shown below) as well as accidental damage to your contents while at your home, or anywhere else in New Zealand. This gives you the most comprehensive protection offered by AA Insurance.
Defined Events Cover
This cover provides protection for your contents for specific events but leaves you to sort some things yourself, in return for a lower premium. With Defined Events cover you’ll be protected for loss or damage to your contents while at your home, or anywhere else in New Zealand caused by:
- fire, explosion or lightning
- storm or flood
- burglary by violent or forced entry (other thefts are excluded)
- malicious damage or vandalism
- water or oil escaping from, or freezing in, a tank, pipe, water or heating system or appliance within your home
- burning out caused by electrical current surge
- impact by vehicle, aircraft, animal, falling trees or branches
- riot or protest.
This type of insurance protects you for the big events, in return for a smaller premium.