Have more than one policy with us and have an accident, you'll only pay one excess - the highest applicable one.
Comprehensive Car Insurance

Voted Most Trusted General Insurer* by NZers for 10 years running
Comprehensive Car Insurance Policy Benefits:
Lifetime Repair Guarantee
When we repair damage to your car, we guarantee the repairs for the life of your car, even if you sell it.
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. Plus we stand behind all their work with our Lifetime Repair Guarantee.
Optional extras
Excess-Free Glass Cover
By adding Excess-Free Glass Cover, you won’t have to pay an excess if your claim is only for accidental damage to your windscreen or windows.
Rental Cover
By adding Rental Cover, you’ll be provided with a rental car to keep you on the road while your car is being repaired.
This page is only a summary of key benefits, and application for cover is subject to underwriting acceptance. For full details, exclusions and limitations, please read the policy document.
Ready to get started?
Getting a quote only takes 5-10 minutes.
What makes us different?
Helping you save
Tailored to you
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.
Why choose AA Insurance?
NZ's most trusted insurer
Thanks for voting us New Zealand's Most Trusted General Insurance provider for ten 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.
One event, one excess
Lower your premiums with higher excesses
With our excess options on your home and contents you can choose a higher excess in return for lower premiums – and you’ll only have to pay that excess when you make a claim.
For more information, give us a call on 0800 500 231.
Multi Policy Discount
Get a Multi Policy Discount when you tell us about more than one eligible policy you have with AA Insurance. Depending on when you take out your policies, your discount will be applied from the start date of a new policy or at the renewal of an existing policy. T&Cs apply.
AA Member discounts
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. Simply provide your personal AA Membership number each time you take out or renew an eligible policy.
Market Value
The reasonable retail value of your asset immediately before it was damaged or lost.
One event, one excess
Have more than one policy with us and have an accident, you'll only pay one excess - the highest applicable one.
Lower your premiums with higher excesses
With our excess options on your home and contents you can choose a higher excess in return for lower premiums – and you’ll only have to pay that excess when you make a claim.
For more information, give us a call on 0800 500 231.
Multi Policy Discount
Get a Multi Policy Discount when you tell us about more than one eligible policy you have with AA Insurance. Depending on when you take out your policies, your discount will be applied from the start date of a new policy or at the renewal of an existing policy. T&Cs apply.
AA Member discounts
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. Simply provide your personal AA Membership number each time you take out or renew an eligible policy.
Market Value
The reasonable retail value of your asset immediately before it was damaged or lost.