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Comprehensive Car Insurance

Looking for a car insurance comparison? Get a Comprehensive car insurance quote from New Zealand’s Most Trusted General Insurer. Live a little freer with AA Insurance.

Most trusted brand award 2011 - 2018

Comprehensive Car Insurance Policy Benefits:

Agreed Value

Your Agreed Value is the amount we agree to insure your car for when your policy begins and at each renewal.

We'll pay you your Agreed Value if your car can't be repaired or is stolen.

Damage to your own car and other people’s property

If your car is accidentally damaged, or is stolen, we’ll repair it or pay you your Agreed Value to replace it.

If your car accidentally damages someone else’s car or property, we’ll pay up to $20million if you’re legally liable for the costs.

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.

Towing, storage and transport

If you have an accident and your car is not able to be driven, we’ll pay to tow your car to the nearest place of safety, store it there, and get you and your passengers home.

Customer Service Centres*

Exclusive to AA Insurance! A one-stop shop that will help you get back on the road again as quickly as possible.

*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. 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.

View Policy Document

Ready to get started?

Getting a quote only takes 5-10 minutes.

What makes us different?

  • Personal Customer Managers
  • 24 hour claims support
  • Always speak to a real person
  • NZ based call centre

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.

Compare policies

Frequently asked questions

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

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.

Our awards

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.

Contact us

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.

Making a claim with us

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 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. 

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.

See how much you could save

Become an AA Member

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 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. 

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.

See how much you could save

Become an AA Member