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Third Party Fire & Theft

With Third Party, Fire & Theft, we'll take care of the costs if you accidentally damage someone else's car or property. Plus, if your vehicle is stolen or damaged by fire we'll pay up to the Agreed Value to repair or replace it.

Most trusted brand award 2011 - 2016

Third Party Fire & Theft Policy Benefits:

Protection against fire & theft

If your vehicle is stolen or damaged by fire we'll pay up to the Agreed Value to repair or replace it.

Agreed Value

Together we work out what your vehicle is worth, including any accessories you have or modifications you've made. So you know exactly what we'll pay if it's written off or stolen — no haggling, no hassles.

Uninsured accident cover

If there's an accident and you weren't at fault but you can identify who was and they're uninsured, we'll pay up to $4,000 to repair your car.

No Fault, No Excess

If you're in an accident that wasn't your fault and you can identify whose fault it was, you may not have to pay any excess. Please see the Third Party, Fire and Theft Insurance (PDF) for more details.

Quality Repairer Network

We have a select network of skilled repair specialists who meet the highest quality standards for work and service.

We choose the best repairer for the job, the one with the most suitable equipment and expertise for your car. And we stand behind all their work with our Lifetime Repair Guarantee. 

Additional benefits for peace of mind:

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Getting a quote only takes 5-10 minutes.

This is only a summary of key benefits. For full details, exclusions and limitations please read your policy document.

Application for cover is subject to underwriting acceptance. Limits, excesses, terms, conditions and exclusions apply to the insurance cover referred to. For full policy and benefit terms and conditions please go to

Looking for ways to save on your premium?

We offer three levels of car insurance, so you can get the best cover for your needs and budget - Comprehensive, Third Party, Fire & Theft, and Third Party only.

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Latest Policy Document

Want to know more about our Third Party, Fire & Theft Car Insurance policy? Read the full policy document online. 

Download PDF

Frequently asked questions

If you can't find the answer you're looking for, please email us or call on 0800 500 231

Why choose AA Insurance?

NZ's most trusted insurer

Thanks for voting us New Zealand's Most Trusted General Insurance provider for seven years running. Earning your trust is one thing. But keeping it is everything.

Our awards

We put you first

We put our customers' needs first and pride ourselves on working with them to eliminate stress and uncertainty. Just one reason why we have NZ's most satisfied customers.

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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.

Making a claim with us