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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.

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car insurance nz

Car insurance cover

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Third Party

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Third Party Fire
& Theft

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Comprehensive

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  • Uninsured accident cover
  • 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).
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$4000 limit
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$4000 limit
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  • Theft or fire
  • 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).
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  • Damage to your own vehicle
  • 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).
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  • Towing, transport and storage
  • 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.
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  • Temporary accommodation
  • 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.
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  • Damage to your trailer
  • If the trailer you are towing is damaged in an accident, we will pay up to $1,000 to repair it.
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  • Excess-Free Glass Cover (optional)
  • 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.
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  • Rental Cover (optional)
  • 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.
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Policy benefits

     
  • AA Member discounts
  • AA Members get exclusive discounts with AA Insurance. The longer you've been a Member, the higher the discount.
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  • Multi Policy Discounts
  • 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.
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  • Lifetime Repair Guarantee
  • 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.
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  • Young driver flexibility
  • 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.
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  • Agreed Value
  • 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.
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  • No excess on keys and locks
  • 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.
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This is only a summary of some of the benefits. For full details, exclusions and limitations please read your policy documents.

Car insurance cover:


Third Party

You are covered for:

  • More Uninsured accident cover ($4,000)
  • 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).
  • More Damage to someone else’s property
  • 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.
  • More Lifetime repair guarantee
  • 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.
  • More Young driver flexibility
  • 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.
  • More Multi Policy Discounts
  • 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.
  • More AA Member discounts (included in your quote price)
  • AA Members get exclusive discounts with AA Insurance. The longer you've been a Member, the higher the discount.

Third Party Fire & Theft

You are covered for:

  • All Third Party options
  • Plus:
  • More Theft or fire
  • 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).
  • More Agreed value
  • 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.
  • More Excess-Free Glass Cover (optional)
  • 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.

Comprehensive

You are covered for:

  • All Third Party Fire & Theft options
  • Plus:
  • More Damage to your own vehicle
  • 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).
  • More Towing, transport & storage
  • 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.
  • More Rental Cover (optional)
  • 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.
  • More Temporary accommodation
  • 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.
  • More Damage to your trailer
  • If the trailer you are towing is damaged in an accident, we will pay up to $1,000 to repair it.
  • More No excess on keys and locks
  • 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.


Car insurance cover types:

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.
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.
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.

This is only a summary of some of the benefits. For full details, exclusions and limitations please read your policy documents.