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Car Insurance

Save by adding contents insurance:

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Why get contents with car insurance?

Last year 1,501 AA Insurance car insurance claims were for break-ins or stolen cars.

  • There were 790 contents insurance claims for theft from a vehicle.
  • The most stolen items from vehicles are personal items such as clothing, makeup and handbags, followed by mobile phones, laptops and iPads.

If you insure your contents with us, your belongings are still covered when you’re on the move. Plus, if you need to make a claim for one event, you will only pay one excess.


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.


Car insurance cover

Compare our range

Third Party

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Third Party Fire
& Theft

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Comprehensive

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Comprehensive plus

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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 will pay for the repairs or pay you up to $4,000 if you select a Third party policy. On comprehensive policies, full cover applies (see Damage to your own vehicle).

$4000 limit

$4000 limit
  • Damage to someone else's property
  • If there is an accident and you cause damage to someone else's car or property, we will pay up to $20 million to repair this damage.
  • Theft or fire
  • If your car is stolen or damaged by fire, we will either pay for the repairs or pay you the value we agreed on when you took out your policy or your policy last renewed.
  • 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 your policy last renewed.
  • Towing, transport and storage
  • If there is an accident or your car is damaged so it cannot be driven, 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.
  • Temporary accommodation
  • If there is an accident or your car is damaged so it cannot be driven, and you are not able to get home, we will pay up to $200 per day or $600 in total for temporary accommodation until your car is repaired.
  • Glass Cover (optional)
  • If you purchase GlassCover and your claim is only for accidental damage to your windscreen or windows, you will not have to pay your excess.
  • Rental Cover (optional)
  • If you purchase RentalCover and you're without a car as a result of a claim we will provide you with a subsidised rental car to keep you on the road while your car is being repaired.

Policy benefits

       
  • AA Member discounts
  • AA Members get exclusive discounts with AA Insurance. The longer you've been a Member, the higher the discount.
  • Lifetime Repair Guarantee
  • When we repair your car, we guarantee the repairs for the life of the car. That's all parts and workmanship while you own the car, and even if you sell it.
  • Young driver flexibility
  • There will be times when younger drivers (age 24 or younger) may need to drive the car, and you haven't thought to name them on your policy. With AA Insurance, they're still covered, subject to a separate excess.
  • Agreed Value
  • If your car is ever written off or stolen, we'll pay you the value we agreed on when you took out your policy or last renewed. No surprises. No haggling. No hassle.
  • Guaranteed No Claims Bonus For Life
  • At AA Insurance we believe in rewarding good drivers. So if you’ve had no accidents in the last five years, you may qualify for our maximum No Claims Bonus – and it’ll be guaranteed. That means that your premiums will never go up as a result of a claim.
  • No excess on keys and locks
  • If you need to claim only for the replacement of 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 your keys and locks.

Car insurance cover:

Third Party

You are covered for:

  • MoreUninsured 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 will pay for the repairs or pay you up to $4,000 if you select a Third party policy. On comprehensive policies, full cover applies (see Damage to your own vehicle).
  • MoreDamage to someone else’s property
  • If there is an accident and you cause damage to someone else's car or property, we will pay up to $20 million to repair this damage.
  • MoreLifetime repair guarantee
  • When we repair your car with an AA Insurance Repairer, we’ll guarantee the repairs for the life of your car. That's all parts and workmanship while you own the car, and even if you sell it.
  • MoreYoung driver flexibility
  • There will be times when younger drivers (age 24 or younger) may need to drive the car, and you haven't thought to name them on your policy. With AA Insurance, they're still covered, subject to a separate excess.
  • MoreAA 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:
  • MoreTheft or fire
  • If your car is stolen or damaged by fire, we will either pay for the repairs or pay you the value we agreed on when you took out your policy or your policy last renewed.
  • MoreAgreed value
  • If your car is ever written off or stolen, we'll pay you the value we agreed on when you took out your policy or last renewed. No surprises. No haggling. No hassle.

Comprehensive

You are covered for:

  • All Third Party Fire & Theft options
  • Plus:
  • MoreDamage 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 your policy last renewed.
  • MoreTowing, transport & storage
  • If there is an accident or your car is damaged so it cannot be driven, 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.
  • MoreGuaranteed no claims bonus for life
  • At AA Insurance we believe in rewarding good drivers. So if you’ve had no accidents in the last five years, you may qualify for our maximum No Claims Bonus – and it’ll be guaranteed. That means that your premiums will never go up as a result of a claim.
  • MoreRental Cover (optional)
  • If you purchase RentalCover and you're without a car as a result of a claim we will provide you with a subsidised rental car to keep you on the road while your car is being repaired.

Comprehensive plus

You are covered for:

  • All Comprehensive options
  • Plus:
  • MoreTemporary accommodation
  • If there is an accident or your car is damaged so it cannot be driven, and you are not able to get home, we will pay up to $200 per day or $600 in total for temporary accommodation until your car is repaired.
  • MoreDamage to your trailer or caravan
  • If there is an accident, and the trailer or caravan you are towing is damaged, we will pay up to $1000 to repair this damage.
  • MoreNo excess on keys and locks
  • If you need to claim only for the replacement of your keys and locks because your keys have been stolen and your car is at risk, you won't need to pay your excess. We'll pay up to a limit of $750, excess free, to replace your keys and locks.

Service that goes the extra mile

Personal Customer Manager

Your personal contact at AA Insurance who looks after you when you make a claim. They’ll keep you fully informed, making sure things stay on track and hassle-free.

Customer Service Centres*

Exclusive to AA Insurance! A one-stop-shop to help get you back on the road again as quickly as possible if your car’s damaged. We’ll get your car assessed, quoted on, repaired, painted and quality checked – so you can get on with life. *Auckland and Hamilton only

Our customers are talking...

AA Insurance was fast and efficient.
It was just fantastic.

Nick, Hillsborough


Save by adding contents insurance:

  Car insurance
  Contents insurance
  Home insurance
Get a quoteBuy now

Car insurance cover types:

Comprehensive Plus Keeps you fully protected, so you can feel secure knowing that if the unexpected happens, we'll get you back on the road.
Comprehensive Protection to cover damages to your car and also any damages you may cause to someone else's car or property.
Third Party, Fire & Theft Covers costs if you accidentally damage someone else's car or property - even if it's your fault. 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 accidentally damage someone else's car or property we'll take care of the costs, including the legal bill - even if it's your fault.