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.
Compare cover
Accidental damage to your car
Comprehensive
Third Party Fire & Theft
Third Party
Damage caused by fire
Comprehensive
Third Party Fire & Theft
Third Party
Theft of your vehicle
Comprehensive
Third Party Fire & Theft
Third Party
Damage caused by an uninsured third party
Comprehensive
Third Party Fire & Theft
Third Party
Damage to someone else's property
Comprehensive
Third Party Fire & Theft
Third Party
Cover for your keys and locks
Comprehensive
Third Party Fire & Theft
Third Party
Towing, storage and transport
Comprehensive
Third Party Fire & Theft
Third Party
Agreed value settlement
Comprehensive
Third Party Fire & Theft
Third Party
Optional extra: Excess-free glass cover
Comprehensive
Third Party Fire & Theft
Third Party
Optional extra: Rental cover
Comprehensive
Third Party Fire & Theft
Third Party
One event, one excess
Comprehensive
Third Party Fire & Theft
Third Party
Lifetime Repair Guarantee
Comprehensive
Third Party Fire & Theft
Third Party
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.
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. We'll also repair damage to your vehicle's window glass, locks or ignition caused by attempted theft or vandalism.
Helping you save
AA Member Discount
One event, one excess
Lower your premiums 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
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
48 hour stand down period
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.
Business use
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.
"Great people. Really understanding. Very, very helpful."
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.
Common customer questions
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
Can I include Excess-free glass cover on my car policy?
You can choose to include the Excess-free glass cover optional benefit on your Third Party, Fire & Theft car policy with us, for an additional premium per year. 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.
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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.