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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.
Save $100 on new Comprehensive Car Insurance
Just use promo code WHEELS before 18 November ‘26.
*Terms and conditions apply, savings apply to the first year
Compare cover
Accidental damage to your car
Comprehensive
Third Party Fire & Theft
Third Party
Damage caused by fire
Comprehensive
Third Party Fire & Theft
Third Party
Theft of your vehicle
Comprehensive
Third Party Fire & Theft
Third Party
Damage caused by an uninsured third party
Comprehensive
Third Party Fire & Theft
Third Party
Damage to someone else's property
Comprehensive
Third Party Fire & Theft
Third Party
Cover for your keys and locks
Comprehensive
Third Party Fire & Theft
Third Party
Towing, storage and transport
Comprehensive
Third Party Fire & Theft
Third Party
Agreed value settlement
Comprehensive
Third Party Fire & Theft
Third Party
Optional extra: Excess-free glass cover
Comprehensive
Third Party Fire & Theft
Third Party
Optional extra: Rental cover
Comprehensive
Third Party Fire & Theft
Third Party
One event, one excess
Comprehensive
Third Party Fire & Theft
Third Party
Lifetime Repair Guarantee
Comprehensive
Third Party Fire & Theft
Third Party
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
AA Member Discount
One event, one excess
Lower your premiums with higher excesses
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
48 hour stand down period
Modifications
Accessories
Business use
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.
Hear it from our customers
"Claiming on the website was awesome"
Always find AA very easy to deal with, straight forward and claiming on the website was awesome.
Kathy - June 2026
10/10
overall satisfaction
"Excellent service"
I found the service to be excellent, I wouldn’t ever give anyone a 100% so 8/10 is high!
Miranda - June 2026
8/10
overall satisfaction
"Easy to deal with"
The usual fast, efficient, pleasant help. It's always easy to deal with AA Insurance.
Debra - April 2026
10/10
overall satisfaction
"Fast and easy"
Was so fast and easy to claim and organise the replacement windscreen. Thank you.
Amber - February 2026
10/10
overall satisfaction
In the first half of 2026, we received 3,764 feedback survey responses from Car Insurance customers after their claim was paid. They gave us an average score of 8.98 out of 10 for overall satisfaction with their claims experience. This is a selection of feedback from customers who gave us permission to share their comments.
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 reasons you may want to 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.