Women putting a bag into the boot of a car.

Third Party Car Insurance

Looking for a car insurance comparison? Get a Third Party 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.

Uninsured accident cover

In an accident with an uninsured vehicle - we'll pay for the repairs to your car up to $4,000.

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

Be mindful of

This policy does not cover damage to your car

If you require cover for damage to your vehicle, 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."