Third Party Car Insurance
85% 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 2024.
Outstanding Value Car Insurance.
As awarded by Canstar in their 2025 Car Insurance awards.
Overview
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
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 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.
Compare cover
Optional extra:
Optional extra:
We help you save
Savings on your insurance
Are you an AA Member? Enjoy up to $60 off insurance on eligible new or renewed policies. The longer you’ve been an AA member, the more you could save.
10% off AA Home Book a Job services
AA Insurance customers save 10% on AA Home Book a Job services, giving you 24/7 access to reliable tradespeople across the country.
Discounted AA Membership
Not an AA Member yet? AA Insurance customers get an exclusive discount on their first 2 years of Standard AA Membership. Unlock 45+ benefits, including award-winning AA Roadservice.
Pay only one excess
If you have more than one policy with us, you’ll only pay one excess – the highest applicable one – if you make a claim after a single event.
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.
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
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.
FAQs
Can't find what you're looking for?
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 fifteen 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.