Car Insurance
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Overview
Three levels of cover
Choose the cover to suit your needs with our three levels of car insurance. Compare cover
Cover for damages to your car, and cover if you accidentally cause damage to someone else's car or property.
Cover for your car if its damaged by fire or stolen, and if you accidentally cause damage to someone else's car or property.
Cover for accidental damage that you have caused to someone else's car or property.
Our levels of cover help to protect you
Our levels of cover protect you against the unexpected. If you need to make a claim, our team of dedicated insurance specialists are on-hand to provide you with an award-winning service from start to finish.
Helping you save
with higher excesses
More reasons to choose us
Buy, manage, and claim online
New Zealand call centre
Personal Claim Manager
24/7 claims support
Cancel your policy any time
Be mindful of
Depending on the type of modification, accessory, or business use, your cover may be affected.
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.
We help you save
Savings on your insurance
Are you an AA Member? Enjoy up to $60 off insurance on eligible new or renewed policies. The longer you’ve been an AA member, the more you could save.
10% off AA Home Book a Job services
AA Insurance customers save 10% on AA Home Book a Job services, giving you 24/7 access to reliable tradespeople across the country.
Discounted AA Membership
Not an AA Member yet? AA Insurance customers get an exclusive discount on their first 2 years of Standard AA Membership. Unlock 45+ benefits, including award-winning AA Roadservice.
Pay only one excess
If you have more than one policy with us, you’ll only pay one excess – the highest applicable one – if you make a claim after a single event.
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.
FAQs
Who is covered to drive my car?
Anyone who is listed under the 'insured drivers' section of your policy schedule is covered to drive your vehicle, so long as they meet your policy conditions. Read More
Do you offer a Lifetime Repair Guarantee on vehicle repairs?
Yes, we provide a Lifetime Repair Guarantee on any repairs carried out by one of our AA Insurance Repairers as the result of a claim with us. Read More
Do you cover electric and hybrid vehicles?
Yes, Common makes and models (e.g. Toyota Prius, Nissan Leaf, Tesla Model 3 and Hyundai Ioniq) may be insured by AA Insurance. Read More
Are my car keys covered under my car policy?
Yes, if you have our Comprehensive Car Insurance, we'll cover the replacement of the keys and locks of your car if the keys are damaged, lost, or stolen. Read More
Is my trailer covered under my car insurance?
If you have our Comprehensive Car Insurance, then we can cover an event that happens to a domestic trailer which is owned, hired or leased by you while it's attached to your car. Read More
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.
Claiming
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
Get in touch with us
Once everyone is safe, give us a call on 0800 500 216 or report your claim online. We'll arrange for your car to be dropped off or picked up, assessed and repaired.
Drop your car off
Leave your car at one of our AA Insurance or, if you are in Auckland or Hamilton, at one of our (CSC). If your car cannot be driven and we've accepted your claim, we'll cover the reasonable cost of transporting your car to the nearest recommended repairer.
Collect your car
We'll get your car assessed, repaired, painted and quality checked, so you can get on with life. After that, all you have to do is come and pick it up.
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Understanding agreed and market value
When researching motor insurance options, you may come across the terms ‘agreed value’ and ‘market value’. It’s important to understand the difference between these terms before you take out insurance.
NZ's most trusted insurer
Thanks for voting us New Zealand's Most Trusted General Insurance provider for fifteen years running. Earning your trust is one thing. But keeping it is everything.
We put you first
We put our customers' needs first and pride ourselves on working with them to help 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.