Third Party, Fire & Theft

Looking for a car insurance comparison? Get a Third Party, Fire & Theft car insurance quote from New Zealand’s Most Trusted General Insurer. Live a little freer with AA Insurance.

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Voted Most Trusted General Insurer by New Zealanders for 12 years running

Voted by consumers 2011 - 2022 in the Reader's Digest Trusted Brands survey. Find out more.


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

to repair or replace it.

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

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

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.

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.


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, 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.

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."