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.

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We’ve updated this policy

Here’s a quick look at what’s changed:

  • Accessories and modifications made simpler

    The Agreed Value of your car now includes any accessories and modifications we agree to cover. No need to specify them separately.

  • Better cover when you change cars

    You now have 30 days to tell us about it instead of seven.

  • Multi Policy Discount

    Get a Multi Policy Discount when you take out any two, or more, policies together. Depending on when you take out your policies, your discount will be applied at the time you pay, or as a refund once your policies have been issued. 

These are only some of the changes to your policy wording. For full details of changes please refer to your new policy.

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Policy benefits

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.

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. 

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 and Theft Insurance (PDF) for more details.

Customer Service Centres*

Exclusive to AA Insurance! A one-stop-shop if your car's damaged, to help get you back on the road again as quickly as possible. 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

They'll look after you when you make a claim, ensure you're kept fully informed, and make 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 your insurance. The longer you've been an AA Member, the better the discount.

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

third party fire and theft insurance policy document

Latest Policy Document

Want to know more about our Third Party, Fire and Theft car insurance? Read the full policy document online.

If you already have car insurance with us and you’d like a copy of your policy, we can send it to you.