Car Insurance New Zealand
Car Insurance in New Zealand is optional for car owners, unlike some countries which impose compulsory third party insurance. Despite this, the majority of car owners in New Zealand insure their vehicles. Plus, in our latest Driver Survey we found that 97% of respondents agreed it’s important for all drivers on NZ roads to have some form of car insurance. And it’s easy to see why, when you consider that it could cost thousands to repair or replace a vehicle. Not to mention the cost to repair someone else’s vehicle or property, if you’re at fault in an accident. Car insurance can protect you from potentially huge repair bills or being without a vehicle.
Car Insurance to suit your needs and wallet
There’s no one-size-fits-all with car insurance, so that’s why there are different cover types to suit your situation. These range from Third Party car insurance which provides limited cover at a lower price, through to Comprehensive car insurance, offering fuller protection at a higher price. When choosing a cover type, consider the level of protection you need for your vehicle and how much you’d like to spend.
For greater flexibility, AA Insurance offers three different types of car insurance. That way, you can get all the cover you need (and nothing you don’t) at a price that suits.
Our cover types and optional extras
For a quick and easy comparison of our options, have a look at our car insurance comparison table.
Application for cover is subject to underwriting acceptance. Limits, excesses, terms, conditions and exclusions apply to the insurance cover referred to. For full policy and benefit terms and conditions please go to aainsurance.co.nz/terms.html.
Choosing the right excess for you
An excess is the amount you pay if you make a claim - it’s your contribution to the claim cost. With most car insurance in New Zealand you can choose from a range of excess options. The higher the excess you choose, the lower your premium will be. However, if you select a higher excess you need to ensure you can afford to pay this amount if you make a claim. Finding the right excess is about balancing the premium you’d like to pay with the amount you can afford to pay at claim time.
Get the best out of your car insurance
Make sure you get the best deal on your insurance. Consider any discounts you may qualify for such as Multi Policy Discounts and AA Member Discounts.
Keep in mind that getting the best deal isn’t just about price and discounts. You may find the cheapest option isn’t the best deal because it doesn’t give you all the protection you need. When comparing insurers, it pays to check that you’re comparing like with like.
Why Choose AA Insurance?
NZ's most trusted insurer
Thanks for voting us New Zealand's Most Trusted General Insurance provider for nine 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.
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.