Car Insurance

Looking for a car insurance comparison? Get a car insurance quote from New Zealand’s Most Trusted General Insurer. From Comprehensive to Third Party insurance, we’ve got you covered. Live a little freer with AA Insurance.

Voted Most Trusted General Insurer* by NZers for 10 years running

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Three levels of cover

Keep yourself fully protected with our most popular cover. We'll cover damage to your car, as well as damage you might cause to someone else's car or property.

Cover for your car if it is damaged by fire, stolen, or you accidentally damage someone else’s property with your car.

Basic cover for you if you damage someone else’s property with your car.

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Agreed Value

Your Agreed Value is the amount we agree to insure your car for when your policy begins and at each renewal.

We'll pay you your Agreed Value if your car can't be repaired or is stolen.

Comprehensive
Yes
Third Party, Fire & Theft
Yes
Third Party
No

One event, one excess

If you have more than one policy with us and have an accident, you'll only pay one excess - the highest applicable one. 

Comprehensive
Yes
Third Party, Fire & Theft
Yes
Third Party
Yes

Discounts

If you have more than one policy with us or you're an AA Member - you may receive discounts.

Comprehensive
Yes
Third Party, Fire & Theft
Yes
Third Party
Yes

Lifetime Repair Guarantee

When we repair the damage to your car through our quality repairer network, we guarantee the repairs for the life of your car, even if you sell it.

Comprehensive
Yes
Third Party, Fire & Theft
Yes
Third Party
Yes

Towing, storage and transport

If you have an accident and your car is not able to be driven, we’ll pay to tow your car to the nearest place of safety, store it there, and get you and your passengers home.   

Comprehensive
Yes
Third Party, Fire & Theft
No
Third Party
No

Damage to someone else's property

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

Comprehensive
Yes
Third Party, Fire & Theft
Yes
Third Party
Yes

Damage to your car

If your car is accidentally damaged by you or someone else, we'll repair it or pay you your Agreed Value to replace it.

Comprehensive
Yes
Third Party, Fire & Theft
No
Third Party
No

Damage caused by an uninsured third party

In an accident where an uninsured vehicle has caused damage to your car, we’ll pay for the repairs to your car up to $4,000.

Comprehensive

N/A

Full cover applies

Third Party, Fire & Theft
Yes
Third Party
Yes

Car is stolen

If your car is stolen - we'll pay you your Agreed Value to replace it

Comprehensive
Yes
Third Party, Fire & Theft
Yes
Third Party
No

Fire damage

If your car is accidentally damaged by fire, we’ll either repair it or pay you your Agreed Value to replace it.

Comprehensive
Yes
Third Party, Fire & Theft
Yes
Third Party
No

Excess-Free keys and locks

If your keys have been stolen and your car is at risk, we’ll pay to replace the keys and locks on your car up to $750 – and you won’t have to pay an excess.

Comprehensive
Yes
Third Party, Fire & Theft
No
Third Party
No

Optional Extras

Excess-Free Glass Cover

By adding Excess-Free Glass Cover, you won’t have to pay an excess if your claim is only for accidental damage to your windscreen or windows.

Comprehensive
Yes
Third Party, Fire & Theft
Yes
Third Party
No

Rental Cover

By adding Rental Cover, you’ll be provided with a rental car to keep you on the road while your car is being repaired.

Comprehensive
Yes
Third Party, Fire & Theft
No
Third Party
No

Policy document

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

Frequently asked questions

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

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