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Third Party Car Insurance

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

Most trusted brand award 2011 - 2016

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:

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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 Car Insurance policy? Read the full policy document online. 

View Policy Document

Frequently asked questions

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

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.

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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