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

We’ve updated this policy

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

  • 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

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.

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.

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

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! 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 insurance policy document

Latest Policy Document

Want to know more about our Third Party 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.