Third Party Car Insurance
88% of our car insurance customers rate our customer service as exceptional. Join today and receive award-winning service when you need it most.*
*Customer satisfaction score (CSAT) taken from Consumer NZ’s Insurance provider satisfaction survey 2025.
Outstanding Value Car Insurance
As awarded by Canstar in their 2025 Car Insurance awards.
Compare cover
At a glance
We've got you covered
If your car accidentally damages someone else's car or property, we'll pay up to $20 million if you or your driver are legally liable.
Uninsured accident cover
If you're in an accident with an uninsured driver who was at fault and you get their details, we may be able to cover you up to $4,000.
Helping you save
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 any time
Be mindful of
This policy does not cover damage to your car
If you require cover for damage to your vehicle, consider our Comprehensive policy.
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.
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.
Here when you need us most
New Zealand call centre
Our New Zealand-based call centre is on hand to help get things sorted.
24/7 claims support
You can lodge a claim online or over the phone. Our team are here to help 24/7.
Personal claims manager
A dedicated Customer Manager will keep you informed about the progress of your claim.
Award-winning service
Our service was recognised by Canstar’s 2025 Most Satisfied Customers - Car Insurance Claims Award.
FAQs
Do I need to list everyone who drives my car on my policy?
Whether or not you need to list a driver on your policy can depend on a number of things. You can find out more information on whether you need to list a driver in our Help Centre article.
Do you have insurance for backpackers or tourists?
Yes - our car insurance policies are available for backpackers and tourists. All our policies run for a 12-month period. However, you can cancel your cover with us at any time without being charged a cancellation fee. Read More
Am I covered to drive if I have a medical condition, or recently had surgery?
Once you've received the all clear to drive from your doctor, midwife or other medical professional, we're able to provide cover for you under our policies. Read More
Policy documents
Additional documents
Looking for your Certificate of Currency or policy schedule? You can request these through My AA Insurance by navigating to the 'Your documents' section under the relevant policy.
Making a claim
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
Get in touch with us
Once everyone is safe, gather information about the other car involved and the driver's details, registration and contact information. Then give us a call on 0800 500 216 or report your claim online.
We'll take care of the claim for you
If you are responsible for damage to someone else's vehicle or property, we will contact the other driver or their insurer in order to reach a resolution, so that you don't have to.
Why do I have to pay an excess?
Excesses are designed to help keep insurance affordable. An excess is the amount you pay when you make a claim - you pay a contribution towards the claim and your insurer pays the rest.
Related articles
Car insurance for beginners
Car insurance isn’t mandatory in New Zealand, but there are many reasons why you should consider having it. Let’s take a look at the benefits of car insurance, how it works, and what you should think about before choosing your cover.
Car insurance: what to expect at claim time
It's good to know what to expect should you need to make a claim on your car insurance policy. Here's a breakdown of the claims process for AA Insurance customers.
Understanding agreed and market value
When researching motor insurance options, you may come across the terms ‘agreed value’ and ‘market value’. It’s important to understand the difference between these terms before you take out insurance.
NZ's most trusted insurer
Thanks for voting us New Zealand's Most Trusted General Insurance provider for sixteen 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 help 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.
Financial strength rating
AA Insurance Ltd has an AA- (Very Strong) Insurer Financial Strength Rating given by S&P Global Ratings. This rating expresses their opinion about the ability and willingness of a company to meet its financial obligations in full and on time.