Third Party, Fire & Theft
Get cover for the unexpected today. Join over 55,000 Kiwis who have chosen to protect their car with our Third Party Fire & Theft insurance.
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.
Accidents with an uninsured third party
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.
Cover for fire damage and theft
If your car is damaged by fire or stolen, we'll pay up to your agreed value to repair or replace it.
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
Optional extras
Excess-free glass cover
Claim without paying an excess if your claim is only for accidental damage to your windscreen or window glass.
Be mindful of
This policy covers damage to your vehicle by fire or theft only
If you require cover for damage to your vehicle that is not from fire and theft, 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
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.
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.
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?
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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.