Do I need to list all drivers on my policy?

Our vehicle policies have automatic open driver cover. This means that any drivers who are over 25, with a full New Zealand licence or overseas equivalent, with no criminal convictions and a clean driving history are automatically covered. We recommend that you list regular drivers, under 25 drivers and drivers who don't meet the above criteria to ensure they are covered.

I recently had surgery, when can I drive?

There is no cover if you have been advised or directed not to drive by your doctor, midwife or other medical professional. However, once you have received the all clear to drive, this exclusion will no longer apply.

Does my Car Insurance Policy include AA Membership?

AA Membership is not automatically included in your car insurance policy, but can be purchased separately. It will give you dollar discounts off your insurance premiums. If you're interested in more information, please visit our website .

Can I include Excess-Free Glass Cover on my policy?

You can add Excess-Free Glass Cover to your Comprehensive or Third Party Fire & Theft policies. Glass Cover is not available on Third Party, Classic Vehicle, Motorcycle, Caravan and Trailer policies. If you choose not to include Excess-Free Glass Cover on your Third Party Fire & Theft policy, damage to your windscreen or window glass is covered only if it’s caused by attempted theft or vandalism and the excess would still apply. If you choose not to include Excess-Free Glass Cover on your Comprehensive policy, we will still insure your windscreen and window glass, but you will need to pay an excess for any claim you make.

How do I add a driver to my car policy?

To add a driver to your car policy, first sign in to your My AA Insurance account . Choose the policy you want to update from your policy list, then select Update your policy from the top left menu. Under Your car you'll see Listed drivers . You'll need to be able to provide their full name, date of birth and answer questions about their driving history. If you have a classic car, motorhome or motorcycle, policy please contact us so we can add a driver for you.

Who is covered to drive my car?

Our car insurance has an open driver policy, unless a special term has been applied to your policy. This means that any drivers who are over 25, with a full New Zealand licence or overseas equivalent, with no criminal convictions and a clean driving history are automatically covered. We do recommend that you list regular drivers, as well as drivers who don’t meet the above criteria, such as those under the age of 25. Please see your policy schedule to determine if a special term has been applied to your policy.

Car Insurance

Looking for a car insurance comparison? Get a car insurance quote from New Zealand’s Most Trusted General Insurer. From Comprehensive to Third Party insurance, we’ve got you covered. Live a little freer with AA Insurance.

Get a quote Retrieve a quote

Voted Most Trusted General Insurer* by NZers for 10 years running

Three levels of cover

Comprehensive

Keep yourself fully protected with our most popular cover. We'll cover damage to your car, as well as damage you might cause to someone else's car or property.

Third Party, Fire & Theft

Cover for your car if it is damaged by fire, stolen, or you accidentally damage someone else’s property with your car.

Third Party

Basic cover for you if you damage someone else’s property with your car.

^*As voted by consumers 2011 – 2020 in the Reader’s Digest Trusted Brands survey. For more information visit aainsurance.co.nz/awards

Compare cover

Our most popular

Comprehensive

Third Party, Fire & Theft

Third Party

Get a quote

Your Agreed Value is the amount we agree to insure your car for when your policy begins and at each renewal.

We'll pay you your Agreed Value if your car can't be repaired or is stolen.

If you have more than one policy with us and have an accident, you'll only pay one excess - the highest applicable one.

If you have more than one policy with us or you're an AA Member - you may receive exclusive discounts.

When we repair the damage to your car through our quality repairer network, we guarantee the repairs for the life of your car, even if you sell it.

If you have an accident and your car is not able to be driven, we’ll pay to tow your car to the nearest place of safety, store it there, and get you and your passengers home.

If you accidentally damaged someone else's car or property, we'll pay up to $20million if you're legally liable for the costs.

If your car is accidentally damaged by you or someone else, we'll repair it or pay you your Agreed Value to replace it.

In an accident where an uninsured vehicle has caused damage to your car, we’ll pay for the repairs to your car up to $4,000.

N/A

Full cover applies

If your car is stolen - we'll pay you your Agreed Value to replace it.

If your car is accidentally damaged by fire, we’ll either repair it or pay you your Agreed Value to replace it.

If your keys have been stolen and your car is at risk, we’ll pay to replace the keys and locks on your car up to $750 – and you won’t have to pay an excess.

Optional extras

By adding Excess-Free Glass Cover, you won’t have to pay an excess if your claim is only for accidental damage to your windscreen or windows.

By adding Rental Cover, you’ll be provided with a rental car to keep you on the road while your car is being repaired.

Policy document

This is only a summary of key benefits. Application for cover is subject to Underwriting acceptance. For full details, exclusions and limitations, please read the policy document.

Comprehensive

Third Party, Fire & Theft

Third Party

Get a quote

Find out more

Get a quote

Find out more

Get a quote

Find out more

Compare cover

Your Agreed Value is the amount we agree to insure your car for when your policy begins and at each renewal.
We'll pay you your Agreed Value if your car can't be repaired or is stolen.

Comprehensive

Third Party Fire & Theft

Third Party

If you have more than one policy with us and have an accident, you'll only pay one excess - the highest applicable one.

Comprehensive

Third Party Fire & Theft

Third Party

If you have more than one policy with us or you're an AA Member - you may receive exclusive discounts.

Comprehensive

Third Party Fire & Theft

Third Party

When we repair the damage to your car through our quality repairer network, we guarantee the repairs for the life of your car, even if you sell it.

Comprehensive

Third Party Fire & Theft

Third Party

If you have an accident and your car is not able to be driven, we’ll pay to tow your car to the nearest place of safety, store it there, and get you and your passengers home.

Comprehensive

Third Party Fire & Theft

Third Party

If you accidentally damaged someone else's car or property, we'll pay up to $20million if you're legally liable for the costs.

Comprehensive

Third Party Fire & Theft

Third Party

If your car is accidentally damaged by you or someone else, we'll repair it or pay you your Agreed Value to replace it.

Comprehensive

Third Party Fire & Theft

Third Party

In an accident where an uninsured vehicle has caused damage to your car, we’ll pay for the repairs to your car up to $4,000.

Comprehensive

NA - Full cover applies

Third Party Fire & Theft

Third Party

If your car is stolen - we'll pay you your Agreed Value to replace it.

Comprehensive

Third Party Fire & Theft

Third Party

If your car is accidentally damaged by fire, we’ll either repair it or pay you your Agreed Value to replace it.

Comprehensive

Third Party Fire & Theft

Third Party

If your keys have been stolen and your car is at risk, we’ll pay to replace the keys and locks on your car up to $750 – and you won’t have to pay an excess.

Comprehensive

Third Party Fire & Theft

Third Party

By adding Excess-Free Glass Cover, you won’t have to pay an excess if your claim is only for accidental damage to your windscreen or windows.

Comprehensive

Third Party Fire & Theft

Third Party

By adding Rental Cover, you’ll be provided with a rental car to keep you on the road while your car is being repaired.

Comprehensive

Third Party Fire & Theft

Third Party

Policy document

This is only a summary of key benefits. Application for cover is subject to Underwriting acceptance. For full details, exclusions and limitations, please read the policy document.

Comprehensive

Get a quote

Find out more

Third Party, Fire & Theft

Get a quote

Find out more

Third Party

Get a quote

Find out more

Frequently asked questions

If you can't find the answer you're looking for, please contact us.

View all Car Insurance FAQs

Why 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 awards

We put you first

We put our customers' needs first and pride ourselves on working with them to 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.

Making a claim with us

Get a quote