Third Party Car Insurance

With Third Party car insurance, if you accidentally damage someone else's car or property and your legally liable we'll take care of the costs, including the legal bill.

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Third Party Car Insurance Policy Benefits:

Lifetime repair guarantee

When we fix your car it stays fixed. We stand behind all repairs carried out by our approved repairers and we guarantee parts and workmanship for the life of the vehicle — even if you sell it.

Legal liability cover

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

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 $4,000 to repair your car or the market value, whichever is the lesser.

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.

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

Additional benefits for peace of mind:

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.

Exclusive to AA Insurance! 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.

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Become an AA Member

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.

You have 30 days to tell us when you change cars.

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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 aainsurance.co.nz/terms.

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 Car Insurance policy? Read the full policy document online.

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Frequently asked questions

If you can't find the answer you're looking for, please contact us.

We offer Comprehensive, Third Party, Fire & Theft, Third Party and Classic Vehicle insurance policies. These policies can be customised to include only the benefits you want, so you only pay for the benefits you need. For more details around what each policy covers see our Car Insurance page.

Our car insurance has an open driver policy, unless a special term has been applied to your policy. This means that any licensed driver who has your permission to drive your car, will automatically be covered, provided they don’t have any unacceptable traffic or criminal convictions and have not made any unacceptable claims or had unacceptable accidents (for example, using the car illegally). Please see your policy schedule to determine if a special term has been applied to your policy.

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There are a number of ways you can reduce your car insurance premium with us. If you have a Comprehensive policy you could choose to exclude benefits, such as Rental Cover or Excess-Free Glass Cover, in exchange for a lower premium.

Another way to reduce your premium is to choose a higher excess in return for a lower premium. Remember, you will only need to pay your excess if you make a claim.

We offer a Lifetime Repair Guarantee when your vehicle is repaired by one of our approved repairers. We guarantee the quality of workmanship, parts and materials used to complete the repairs for your claim. The guarantee will remain in place while your vehicle is registered for road use in New Zealand.

Why choose AA Insurance?

NZ's most trusted insurer

Thanks for voting us New Zealand's Most Trusted General Insurance provider for eight 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.

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.

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