A couple chatting outside a garage.

Comprehensive Car Insurance

Our most popular cover. Join over 538,000 Kiwis who've chosen our highest level of motor cover.

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Overview

Our most popular car cover

We'll cover damage to your car, as well as damage you might cause to someone else's car or property.

We pay the agreed value

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

Service Centres & Repairers

Get back on the road again fast with our exclusive and AA-approved .

Lifetime Repair Guarantee

When you use an AA Insurance repairer following a claim, , even if you sell it.

Helping you save

with higher excesses

You're in control

Choose the cover to suit your needs with our three levels of car insurance: Comprehensive, Third Party Fire & Theft, and Third Party. Compare here.

More reasons to choose us

Buy, manage, and claim online

New Zealand call centre

Personal Claim Manager

24/7 claims support

Cancel your policy anytime

Optional extras

Rear half of a car.

Rental cover

You'll be provided with a rental car to keep you on the road while your car is being repaired.

A man driving a car.

Excess-free glass cover

Claim without paying an if your claim is only for accidental damage to your windscreen or window glass.

Be mindful of

Depending on the type of modification, accessory, or business use, your cover may be affected.

This page contains a summary of key benefits. Excesses, terms, conditions, limits and exclusions apply to these policies. Please read the policy document for full details of cover. The provision of cover is subject to the underwriting criteria that apply at the time.

Compare cover

Comprehensive
Third Party Fire & Theft
Third Party

Comprehensive
Third Party Fire & Theft
Third Party

Comprehensive
Third Party Fire & Theft
Third Party

Comprehensive
Third Party Fire & Theft
Third Party

Comprehensive
Third Party Fire & Theft
Third Party

Comprehensive
Third Party Fire & Theft
Third Party

Comprehensive
Third Party Fire & Theft
Third Party

Comprehensive
Third Party Fire & Theft
Third Party

Optional extra:

Comprehensive
Third Party Fire & Theft
Third Party

Optional extra:

Comprehensive
Third Party Fire & Theft
Third Party

Because you’re with AA Insurance

Comprehensive

Third Party Fire & Theft

Third Party

Comprehensive
Third Party Fire & Theft
Third Party

Comprehensive
Third Party Fire & Theft
Third Party

Policy documents

Additional documents

Looking for your or ? You can request these through My AA Insurance by navigating to the 'Your documents' section under the relevant policy.

Claiming

If you have been in an accident

First, make sure that everyone is safe and out of danger - call an ambulance, the police or other emergency services departments if necessary.

How it works after an accident

A staff at help desk answering a call

Get in touch with us

Once everyone is safe, give us a call on 0800 500 216 or report your claim online. We'll arrange for your car to be dropped off or picked up, assessed and repaired.

Towing truck towing a car

Drop your car off

Leave your car at one of our AA Insurance or, if you are in Auckland or Hamilton, at one of our (CSC). If your car cannot be driven and we've accepted your claim, we'll cover the reasonable cost of transporting your car to the nearest recommended repairer.

New looking car

Collect your car

We'll get your car assessed, repaired, painted and quality checked, so you can get on with life. After that, all you have to do is come and pick it up.

What happens at our Customer Service Centres?

Car mechanics checking the car

We assess the damage and get multiple quotes

When you arrive at a in Auckland or Hamilton, you will be greeted by one of our Customer Managers, who will look after your claim from start to finish. They will get your car assessed and quoted on the day, and repairs will generally start within 24 hours.

A repair work paperwork

Repair work is carried out by an AA Insurance Quality Repairer

Our network of quality repairers mean we can guarantee repairs for the life of your car - even if you sell it. If your car is written off, we'll pay out the agreed value on your policy, so there are no surprises.

A couple navigating to their destination in the car

Get back on the road

If you have chosen to add the benefit to your Comprehensive Car policy, and find yourself without a vehicle once your claim has been accepted, we will provide you with a rental car to keep you on the road while your car is being repaired.

FAQs

Customer testimonial

Scott's story

We put our customers' needs first and pride ourselves on working with them to help eliminate stress and uncertainty.

That's why, when Scott rang us for help when he discovered his mother had been in a car accident, we responded quickly. We towed the car to the assessors and, after it was deemed a total loss, we deposited the agreed value into their account the very same day.

"Great people. Really understanding. Very, very helpful."