Comprehensive Car Insurance

Comprehensive cover for your car. In the event of an accident you know that you'll have the protection to cover damages to your car and also any damages you may cause to someone else's car or property.

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Comprehensive Car Insurance Policy Benefits:

Agreed Value

Together we work out what your vehicle is worth, including any accessories you have or modifications you've made. So you know exactly what we'll pay if it's written off or stolen — no haggling, no hassles.

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).

Legal liability cover

If you are responsible for damage to someone else's vehicle or property we'll protect you against any claim they make, up to $20 million.

Customer Service Centres*

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

*Auckland and Hamilton only

Quality Repairer Network

We have a select network of skilled repair specialists who meet the highest quality standards for work and service.

We choose the best repairer for the job, the one with the most suitable equipment and expertise for your car. And we stand behind all their work with our Lifetime Repair Guarantee.

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.

No Fault, No Excess

If you're in an accident that wasn't your fault and you can identify whose fault it was, you may not have to pay any excess. Please see the Comprehensive car insurance policy document for more details.

Additional benefits for peace of mind:

They'll look after you when you make a claim, ensure you're kept fully informed, and make sure things stay on track and hassle-free.

Exclusive to AA Insurance! AA Member Discounts are dollar discounts that save you money every year on your insurance. The longer you've been an AA Member, the better the discount.

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Become an AA Member

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.

If you have an accident, we'll arrange to tow your car to the nearest AA Insurance Customer Service Centre, approved repairer or other safe place.

If your keys have been stolen, and you only need to claim to replace your keys and locks, you don't need to pay your excess. We'll pay up to a limit of $750, excess free, to replace them for you.

When we fix your car it stays fixed. We stand behind all repairs carried out by our approved repairers and we guarantee parts and workmanship for the life of the vehicle — even if you sell it.

If the trailer you are towing is damaged in an accident, we will pay up to $1,000 to repair it.

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.

You have 30 days to tell us when you change cars.

Optional extras

Excess-Free Glass Cover

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.

Rental Cover

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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This is only a summary of key benefits. For full details, exclusions and limitations please read your policy document.

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.

Looking for ways to save on your premium?

We offer three levels of car insurance, so you can get the best cover for your needs and budget - Comprehensive, Third Party, Fire & Theft, and Third Party only.

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Latest Policy Document

Want to know more about our Comprehensive car insurance? Read the full policy document online.

View Policy Document

Frequently asked questions

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

If you need to make a claim, we will choose from our group of approved repairers to fix your car. If you wish to go to your own repairer, we can choose to pay you the reasonable costs to fix your car as estimated by our assessor. Check your Car insurance policy for more details.

Yes, baby capsules and child seats are covered as accessories under your policy.

We offer a Lifetime Repair Guarantee when your vehicle is repaired by one of our approved repairers. We guarantee the quality of workmanship, parts and materials used to complete the repairs for your claim. The guarantee will remain in place while your vehicle is registered for road use in New Zealand.

There are a number of ways you can reduce your car insurance premium with us. If you have a Comprehensive policy you could choose to exclude benefits, such as Rental Cover or Excess-Free Glass Cover, in exchange for a lower premium.

Another way to reduce your premium is to choose a higher excess in return for a lower premium. Remember, you will only need to pay your excess if you make a claim.

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What if someone steals my stuff?

When you have both Comprehensive Car Insurance and Contents Insurance with us, if someone breaks into your car and steals your belongings you'll only have to pay one excess on your claim, instead of two.

Why choose AA Insurance?

NZ's most trusted insurer

Thanks for voting us New Zealand's Most Trusted General Insurance provider for eight years running. Earning your trust is one thing. But keeping it is everything.

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We put you first

We put our customers' needs first and pride ourselves on working with them to eliminate stress and uncertainty. Just one reason why we have NZ's most satisfied customers.

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.

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