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Car Insurance
Over 700,000 vehicles on the road are insured with us. We have a range of cover to suit different needs and budgets.
Outstanding Value Car Insurance
As awarded by Canstar in their 2025 Car Insurance awards.
Compare cover
At a glance
Three levels of cover
Choose the cover to suit your needs with our three levels of car insurance. Compare cover
Our most popular cover
Cover for damages to your car, and cover if you accidentally cause damage to someone else's car or property.
Cover for your car if it's damaged by fire or stolen, and if you accidentally cause damage to someone else's car or property.
Cover for accidental damage that you have caused to someone else's car or property.
Our levels of cover help to protect you
Our levels of cover protect you against the unexpected. If you need to make a claim, our team of dedicated insurance specialists are on-hand to provide you with an award-winning service from start to finish.
Helping you save
More reasons to choose us
Buy, manage, and claim online
New Zealand call centre
Personal Claim Manager
24/7 claims support
Cancel your policy any time
Be mindful of
Depending on the type of modification, accessory, or business use, your cover may be affected.
This page contains a summary of key benefits. Excesses, terms, conditions, limits and exclusions apply to these policies. Please read the policy document for full details of cover. The provision of cover is subject to the underwriting criteria that apply at the time.
Customer testimonial
Scott's story
We put our customers' needs first and pride ourselves on working with them to help eliminate stress and uncertainty.
That's why, when Scott rang us for help when he discovered his mother had been in a car accident, we responded quickly. We towed the car to the assessors and, after it was deemed a total loss, we deposited the agreed value into their account the very same day.
"Great people. Really understanding. Very, very helpful."
Here when you need us most
New Zealand call centre
Our New Zealand-based call centre is on hand to help get things sorted.
24/7 claims support
You can lodge a claim online or over the phone. Our team are here to help 24/7.
Personal claims manager
A dedicated Customer Manager will keep you informed about the progress of your claim.
Award-winning service
Our service was recognised by Canstar’s 2025 Most Satisfied Customers - Car Insurance Claims Award.
FAQs
Who is covered to drive my car?
Anyone who is listed under the 'insured drivers' section of your policy schedule is covered to drive your vehicle, so long as they meet your policy conditions. Read More
Do you offer a Lifetime Repair Guarantee on vehicle repairs?
Yes, we provide a Lifetime Repair Guarantee on any repairs carried out by one of our AA Insurance Repairers as the result of a claim with us. Read More
Do you cover electric and hybrid vehicles?
Yes, Common makes and models (e.g. Toyota Prius, Nissan Leaf, Tesla Model 3 and Hyundai Ioniq) may be insured by AA Insurance. Read More
Are my car keys covered under my car policy?
Yes, if you have our Comprehensive Car Insurance, we'll cover the replacement of the keys and locks of your car if the keys are damaged, lost, or stolen. Read More
Is my trailer covered under my car insurance?
If you have our Comprehensive Car Insurance, then we can cover an event that happens to a domestic trailer which is owned, hired or leased by you while it's attached to your car. Read More
Policy documents
Additional documents
Looking for your Certificate of Currency or policy schedule? You can request these through My AA Insurance by navigating to the 'Your documents' section under the relevant policy.
Making a claim
If you have been in an accident
First, make sure that everyone is safe and out of danger - call an ambulance, the police or other emergency services departments if necessary.
How it works after an accident
Get in touch with us
Once everyone is safe, give us a call on 0800 500 216 or report your claim online. We'll arrange for your car to be dropped off or picked up, assessed and repaired.
Drop your car off
Leave your car at one of our AA Insurance Quality Repairers or, if you are in Auckland or Hamilton, at one of our Customer Service Centres (CSC). If your car cannot be driven and we've accepted your claim, we'll cover the reasonable cost of transporting your car to the nearest recommended repairer.
Collect your car
We'll get your car assessed, repaired, painted and quality checked, so you can get on with life. After that, all you have to do is come and pick it up.
Related articles
Car insurance for beginners
Car insurance isn’t mandatory in New Zealand, but there are many reasons why you should consider having it. Let’s take a look at the benefits of car insurance, how it works, and what you should think about before choosing your cover.
Car insurance: what to expect at claim time
It's good to know what to expect should you need to make a claim on your car insurance policy. Here's a breakdown of the claims process for AA Insurance customers.
Understanding agreed and market value
When researching motor insurance options, you may come across the terms ‘agreed value’ and ‘market value’. It’s important to understand the difference between these terms before you take out insurance.
NZ's most trusted insurer
Thanks for voting us New Zealand's Most Trusted General Insurance provider for sixteen years running. Earning your trust is one thing. But keeping it is everything.
We put you first
We put our customers' needs first and pride ourselves on working with them to help eliminate stress and uncertainty.
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.
Financial strength rating
AA Insurance Ltd has an AA- (Very Strong) Insurer Financial Strength Rating given by S&P Global Ratings. This rating expresses their opinion about the ability and willingness of a company to meet its financial obligations in full and on time.