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Car Insurance
Whether you drive a big car or small car, we’ve got you covered with car insurance that can be customised to suit your needs. All so you can get on with life and back on the road.
Three levels of cover
Third Party
If you're liable for accidental damage to someone else's car or property we'll take care of the costs, including the legal bill.
Third Party, Fire & Theft
Covers your costs if you accidentally damage someone else's car or property. Plus, if your vehicle is stolen or damaged by fire we'll pay up to the Agreed Value to repair or replace it.
Comprehensive
Keeps you fully protected. We'll cover damage to your car and also any damage you might cause to someone else's car or property.
Car insurance cover
Our most popular
Compare our range
If you're in an accident with an uninsured driver and you can identify the driver who was at fault, we'll pay for the repairs or pay you up to $4,000 if you choose either of our Third Party policies. With our Comprehensive policy, full cover applies (see Damage to your own vehicle).
Included $4,000 Limit
Included $4,000 Limit
Included
AA Members get exclusive discounts with AA Insurance. The longer you've been a Member, the higher the discount.
Included
Included
Included
When we repair your car, we guarantee the repairs for the life of the car. That include all parts and workmanship while you own the car, and even if you sell it.
Included
Included
Included
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.
Included
Included
Included
There will be times when younger drivers (age 24 or younger) may need to drive your car, and you haven't named them on your policy. With AA Insurance, they're still covered, subject to a separate excess payment.
Included
Included
Included
If you have an accident and are liable for the damage to someone else's car or property, we'll pay up to $20 million.
Included
Included
Included
If you only need to claim to replace your keys and locks, because your keys have been stolen and your car is at risk, you don't need to pay your excess. We'll pay up to a limit of $750, excess free, to replace them for you.
Included
Included
Included
If there is an accident or your car is damaged, we will either pay for the repairs or pay you the value we agreed on when you took out your policy, or when you last renewed it (whichever the lesser).
Included
Included
Included
If your car is damaged in an accident and you can't drive it, we will pay to tow your car to the nearest place of safety and store it there, and get you and your passengers home safely.
Included
Included
Included
If you buy Excess-Free Glass Cover and your claim is only for accidental damage to your windscreen or windows, you won't have to pay your excess.
Included
Included
Included
If your car is damaged in an accident so you can't drive it and you can't get home, we will pay up to $500 for temporary accommodation, until we are able to get you and your passengers home safely.
Included
Included
Included
If your car is stolen or damaged by fire, we will either pay for the repairs or pay you the value agreed on when you took out your policy, or when you last renewed it (whichever the lesser).
Included
Included
Included
Get a Multi Policy Discount when you take out any two, or more, policies together. Depending on when you take out your policies, your discount will be applied at the time you pay, or as a refund once your policies have been issued. See if you qualify.
Included
Included
Included
If you buy Rental Cover and you're without a car as a result of a claim, we'll organise a rental car to keep you on the road while your car is being repaired.
Included
Included
Included
If the trailer you are towing is damaged in an accident, we will pay up to $1,000 to repair it.
Included
Included
Included
This is only a summary of some of the benefits. For full details, exclusions and limitations please read your policy documents.
Car insurance cover
Compare our range
If you're in an accident with an uninsured driver and you can identify the driver who was at fault, we'll pay for the repairs or pay you up to $4,000 if you choose either of our Third Party policies. With our Comprehensive policy, full cover applies (see Damage to your own vehicle).
Third Party
Included $4,000 Limit
Third Party Fire & Theft
Included $4,000 Limit
Comprehensive
Included
If you have an accident and are liable for the damage to someone else's car or property, we'll pay up to $20 million.
Third Party
Included
Third Party Fire & Theft
Included
Comprehensive
Included
If your car is stolen or damaged by fire, we will either pay for the repairs or pay you the value agreed on when you took out your policy, or when you last renewed it (whichever the lesser).
Third Party
Included
Third Party Fire & Theft
Included
Comprehensive
Included
If there is an accident or your car is damaged, we will either pay for the repairs or pay you the value we agreed on when you took out your policy, or when you last renewed it (whichever the lesser).
Third Party
Included
Third Party Fire & Theft
Included
Comprehensive
Included
If your car is damaged in an accident and you can't drive it, we will pay to tow your car to the nearest place of safety and store it there, and get you and your passengers home safely.
Third Party
Included
Third Party Fire & Theft
Included
Comprehensive
Included
If your car is damaged in an accident so you can't drive it and you can't get home, we will pay up to $500 for temporary accommodation, until we are able to get you and your passengers home safely.
Third Party
Included
Third Party Fire & Theft
Included
Comprehensive
Included
If the trailer you are towing is damaged in an accident, we will pay up to $1,000 to repair it.
Third Party
Included
Third Party Fire & Theft
Included
Comprehensive
Included
If you buy Excess-Free Glass Cover and your claim is only for accidental damage to your windscreen or windows, you won't have to pay your excess.
Third Party
Included
Third Party Fire & Theft
Included
Comprehensive
Included
If you buy Rental Cover and you're without a car as a result of a claim, we'll organise a rental car to keep you on the road while your car is being repaired.
Third Party
Included
Third Party Fire & Theft
Included
Comprehensive
Included
AA Members get exclusive discounts with AA Insurance. The longer you've been a Member, the higher the discount.
Third Party
Included
Third Party Fire & Theft
Included
Comprehensive
Included
Get a Multi Policy Discount when you take out any two, or more, policies together. Depending on when you take out your policies, your discount will be applied at the time you pay, or as a refund once your policies have been issued. See if you qualify.
Third Party
Included
Third Party Fire & Theft
Included
Comprehensive
Included
When we repair your car, we guarantee the repairs for the life of the car. That include all parts and workmanship while you own the car, and even if you sell it.
Third Party
Included
Third Party Fire & Theft
Included
Comprehensive
Included
There will be times when younger drivers (age 24 or younger) may need to drive your car, and you haven't named them on your policy. With AA Insurance, they're still covered, subject to a separate excess payment.
Third Party
Included
Third Party Fire & Theft
Included
Comprehensive
Included
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.
Third Party
Not Included
Third Party Fire & Theft
Included
Comprehensive
Included
If you only need to claim to replace your keys and locks, because your keys have been stolen and your car is at risk, you don't need to pay your excess. We'll pay up to a limit of $750, excess free, to replace them for you.
Third Party
Included
Third Party Fire & Theft
Included
Comprehensive
Included
This is only a summary of some of the benefits. For full details, exclusions and limitations please read your policy documents.
Frequently asked questions
If you can't find the answer you're looking for, please contact us.
If you need to make a claim, we will choose from our group of approved repairers to fix your car. If you wish to go to your own repairer, we can choose to pay you the reasonable costs to fix your car as estimated by our assessor. Check your Car insurance policy for more details.
Yes, baby capsules and child seats are covered as accessories under your policy.
We offer a Lifetime Repair Guarantee when your vehicle is repaired by one of our approved repairers. We guarantee the quality of workmanship, parts and materials used to complete the repairs for your claim. The guarantee will remain in place while your vehicle is registered for road use in New Zealand.
Our car insurance has an open driver policy, unless a special term has been applied to your policy. This means that any licensed driver who has your permission to drive your car, will automatically be covered, provided they don’t have any unacceptable traffic or criminal convictions and have not made any unacceptable claims or had unacceptable accidents (for example, using the car illegally). Please see your policy schedule to determine if a special term has been applied to your policy.
What if someone steals my stuff?
When you have both Comprehensive Car Insurance and Contents Insurance with us, if someone breaks into your car and steals your belongings you'll only have to pay one excess on your claim, instead of two.
Why choose AA Insurance?
NZ's most trusted insurer
Thanks for voting us New Zealand's Most Trusted General Insurance provider for eight 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 eliminate stress and uncertainty. Just one reason why we have NZ's most satisfied customers.
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.
