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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 - even if it's your fault.

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Agreed Value

Together we work out what your vehicle is worth, so you know exactly what we'll pay if it's written off in a fire or stolen - no haggling, no hassles.


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Quality Repairer Network

Exclusive to AA Insurance! 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.



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Legal liability cover

If you are responsible for damage to someone else's vehicle or property we'll protect you against any claim they may make, up to $20 million.


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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.



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.


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 & Theft policy document for more details.

Customer Service Centres*

Exclusive to AA Insurance! A one-stop-shop to help get you back on the road again as quickly as possible if your car’s damaged. We’ll get your car assessed, quoted on, repaired, painted and quality checked – so you can get on with life.

*Auckland and Hamilton only


Your Personal Customer Manager

Your personal contact at AA Insurance who looks after you when you make a claim. They’ll keep you fully informed, making sure things stay on track and hassle-free.


AA Member Discounts

Exclusive to AA Insurance! Even better value for AA Members. AA Member Discounts are dollar discounts that save you money every year on key insurance policies. The longer you've been an AA Member, the better the discount.


Requesting a Policy Document

If you want to learn more about this policy, please view the following document:


If you currently have car insurance with us and would like a copy of your policy document, we can send you the appropriate policy according to your last renewal date.