Close up of a man driving a convertible classic car with the roof down

Classic Vehicle Insurance

Looking for a classic car insurance comparison? Get a classic car insurance quote from New Zealand’s Most Trusted General Insurer. Live a little freer with AA Insurance.

Voted Most Trusted General Insurer* by NZers for 12 years running

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Two levels of cover

Comprehensive

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

Storage and Restoration

Limited cover for your vehicle while it’s in storage, being restored, or transported by another vehicle. This type of cover means you’ll pay less to insure your classic vehicle for these specific circumstances.

Comprehensive
Storage & Restoration

Agreed value

Your agreed value is the amount we agree to insure your vehicle 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
Storage & Restoration
Yes

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
Storage & Restoration
Yes

Discounts

Tell us if you have more than one eligible policy with AA Insurance, and you can enjoy savings with our Multi Policy Discount.

Comprehensive
Yes
Storage & Restoration
Yes

Towing, storage and transport

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

Comprehensive
Yes
Storage & Restoration
Yes

Damage to someone else's property

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

Comprehensive
Yes
Storage & Restoration
Yes

Limited

Damage to your classic vehicle

If your vehicle is accidentally damaged by you or someone else, we'll repair it or pay you your agreed value to replace it.

Comprehensive
Yes
Storage & Restoration
Yes

Limited

Rallies and time trials

If you take part in professionally organised rallies and time trials - we’ll cover your vehicle during the event.

Comprehensive
Yes
Storage & Restoration
No

Salvage option

If your vehicle is a total loss, we’ll give you first rights to any salvage.

Comprehensive
Yes
Storage & Restoration
Yes

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.

Ready to get started?

Getting a quote only takes 5-10 minutes.

Call us on:

0800 500 231

What makes us different?

  • Personal Customer Managers

  • 24 hour claims support

  • NZ based call centre

Frequently asked questions

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

Who is covered to drive my classic vehicle?

Our car insurance policies have an open driver policy, unless a special term has been applied to your policy. This means that any licenced driver who has your permission to drive your car, will be automatically covered, provided they comply with our policy conditions and any applicable licence conditions. For example, drivers must not have any unacceptable traffic or criminal convictions and must not have had any unacceptable claims or accidents (for example, a driver using the car illegally).

Please see your policy document for more information on all policy conditions that you and your drivers must comply with.

It’s important to note that excesses relating to age and driving experience may apply to you and your drivers. Please see your policy schedule for excesses that may apply and to determine if a special term has been applied to your policy.

Any drivers who will be regularly driving your car should be added to your policy. This is a quick and simple process and ensures you know they are covered should you need to make a claim.

If you have any questions about who is covered to drive your car or if you’d like to add a driver to your policy, please contact us. Alternatively, you can add a driver to your policy using My AA Insurance.

What does Agreed Value mean?

Agreed Value is the amount we have agreed to insure your vehicle for and is set at the beginning of each period of cover. The value shown on your policy schedule is what you will receive if your car is written off or stolen and does not change during this period of cover.

Your Agreed Value is automatically reviewed at each renewal and is based on a figure provided by Redbook, a company that specialises in vehicle valuations. They update us with new values on a monthly basis. They calculate valuations using current market conditions such as sales at auction, dealerships, manufacturers, newspapers and field research. It is important you check the value shown on your policy schedule and discuss it with us if you have any concerns.

Can I choose my own repairer?

If you need to make a claim, we will choose from our group of approved repairers to fix your car. If you wish to go to your own repairer, we can choose to pay you the reasonable costs to fix your car as estimated by our assessor. Check your Car Insurance Policy for more details or contact our Claims Team on 0800 500 216.

Does my car have to be registered to get Classic vehicle insurance?

Your vehicle doesn’t need to be a registered classic to qualify. To check whether your vehicle is eligible for our Classic vehicle insurance, give us a call on 0800 500 231.

*As voted by consumers 2011 – 2022 in the Reader’s Digest Trusted Brands survey. For more information visit aainsurance.co.nz/awards