Do I need to list all drivers on my policy?

Our vehicle policies have automatic open driver cover. This means that any drivers who are over 25, with a full New Zealand licence or overseas equivalent, with no criminal convictions and a clean driving history are automatically covered. We recommend that you list regular drivers, under 25 drivers and drivers who don't meet the above criteria to ensure they are covered.

I recently had surgery, when can I drive?

There is no cover if you have been advised or directed not to drive by your doctor, midwife or other medical professional. However, once you have received the all clear to drive, this exclusion will no longer apply.

Does my Car Insurance Policy include AA Membership?

AA Membership is not automatically included in your car insurance policy, but can be purchased separately. It will give you dollar discounts off your insurance premiums. If you're interested in more information, please visit our website .

Can I include Excess-Free Glass Cover on my policy?

You can add Excess-Free Glass Cover to your Comprehensive or Third Party Fire & Theft policies. Glass Cover is not available on Third Party, Classic Vehicle, Motorcycle, Caravan and Trailer policies. If you choose not to include Excess-Free Glass Cover on your Third Party Fire & Theft policy, damage to your windscreen or window glass is covered only if it’s caused by attempted theft or vandalism and the excess would still apply. If you choose not to include Excess-Free Glass Cover on your Comprehensive policy, we will still insure your windscreen and window glass, but you will need to pay an excess for any claim you make.

How do I add a driver to my car policy?

To add a driver to your car policy, first sign in to your My AA Insurance account . Choose the policy you want to update from your policy list, then select Update your policy from the top left menu. Under Your car you'll see Listed drivers . You'll need to be able to provide their full name, date of birth and answer questions about their driving history. If you have a classic car, motorhome or motorcycle, policy please contact us so we can add a driver for you.

Who is covered to drive my car?

Our car insurance has an open driver policy, unless a special term has been applied to your policy. This means that any drivers who are over 25, with a full New Zealand licence or overseas equivalent, with no criminal convictions and a clean driving history are automatically covered. We do recommend that you list regular drivers, as well as drivers who don’t meet the above criteria, such as those under the age of 25. Please see your policy schedule to determine if a special term has been applied to your policy.

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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 NZers for 10 years running

What is included?

Damage to someone else's property

If your car accidentally damages someone else’s car or property, we’ll pay up to $20million if you’re legally liable for the costs.

Uninsured accident cover

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

Policy Document

This page is only a summary of key benefits, and application for cover is subject to underwriting acceptance. For full details, exclusions and limitations, please read the policy document.

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^*As voted by consumers 2011 – 2020 in the Reader’s Digest Trusted Brands survey. For more information visit aainsurance.co.nz/awards

What makes us different?

Personal Customer Managers
24 hour claims support
Always speak to a real person
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Tailored to you

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.

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Frequently asked questions

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

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Why choose AA Insurance?

NZ's most trusted insurer

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We put you first

We put our customers' needs first and pride ourselves on working with them to eliminate stress and uncertainty.

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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