Classic Vehicle Insurance

We understand that keeping classic vehicles on the road represents a huge investment in your time, money and determination. It doesn’t need to be a registered classic to qualify, so give us a call to find out more.

Call us on: 0800 500 231

Download policy details PDF

Two levels of cover

Protecting your investment needs a special type of insurance - which is why we offer specifically designed cover for your pride and joy. From the start, we’ll work with you to get the right protection for your classic vehicle – Comprehensive or Storage and Restoration.

Comprehensive Classic Vehicle Insurance

We'll cover damage to your car and also any damage you might cause to someone else's car or property. You’re covered for towing, storage, and repairs if it’s damaged on the road. If your vehicle isn’t drivable we will also pay for long distance transport for you and your vehicle.

Storage and Restoration

A great option if you’re just getting started. Your vehicle is covered while it’s in storage or being transported by another vehicle. So if your vehicle is being restored or stored for an extended period of time, this type of cover means you would pay less to insure your classic vehicle.

Classic car insurance cover

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Storage & Restoration

Comprehensive

If your car is ever written off or stolen, your settlement will be based on the value agreed when you took out your policy, or last renewed it. And this includes any accessories or modifications we agreed to cover.

If you accidentally cause damage to someone else’s property, we’ll protect you against claims up to $20 million.

If your vehicle is a total loss, you can still get the chance to repair or rebuild it with first rights to any salvage. We’ll just deduct the salvage value from your total loss payment.

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. Call us to see if you qualify.

If your vehicle is damaged in an accident and can't be driven, we’ll organise and pay for it to be towed to the nearest repairer or place of safety so the repairs can be arranged.

You’re covered if your vehicle is damaged while you take part in rallies and time trials on roads which are open to the public, provided the time trial or rally is organised by a recognised official vehicle club.

If your car is damaged in an accident so you can't drive it and you can't get home, we will pay up to $500 for temporary accommodation, until we are able to get you and your passengers home safely.

With no mileage limit, you are covered whatever the distance you travel in your vehicle per year.

There may be times when younger drivers (age 24 or younger) may need to drive your car, and you haven't named them on your policy. With AA Insurance, they're still covered, subject to a separate excess payment.

This is only a summary of key benefits. For full details, exclusions and limitations – please read your policy document.

Classic car insurance cover

Compare our range

Storage & Restoration

Comprehensive

If you accidentally cause damage to someone else’s property, we’ll protect you against claims up to $20 million.

Storage & Restoration

Comprehensive

If your vehicle is a total loss, you can still get the chance to repair or rebuild it with first rights to any salvage. We’ll just deduct the salvage value from your total loss payment.

Storage & Restoration

Comprehensive

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. Call us to see if you qualify.

Storage & Restoration

Comprehensive

If your vehicle is damaged in an accident and can't be driven, we’ll organise and pay for it to be towed to the nearest repairer or place of safety so the repairs can be arranged.

Storage & Restoration

Comprehensive

Storage & Restoration

Comprehensive

If your car is damaged in an accident so you can't drive it and you can't get home, we will pay up to $500 for temporary accommodation, until we are able to get you and your passengers home safely.

Storage & Restoration

Comprehensive

With no mileage limit, you are covered whatever the distance you travel in your vehicle per year.

Storage & Restoration

Comprehensive

Storage & Restoration

Comprehensive

This is only a summary of key benefits. For full details, exclusions and limitations – please read your policy document.

Classic Vehicle policy benefits

Towing and storage

If your vehicle is damaged in an accident and can't be driven, we’ll organise and pay for it to be towed to the nearest repairer or place of safety so the repairs can be arranged.

Cover for damage to other peoples property

If you accidentally cause damage to someone else’s property, we’ll protect you against claims up to $20 million.

No fault, no excess

Accidents can and do happen, and are often out of your control. But if it turns out you weren’t to blame, and you can identify the driver who was at fault, you won’t have to pay an excess on your claim.

New Zealand wide cover

If you have Comprehensive cover, we’ll protect your car on the road, no matter where you are in the country.

Additional benefits for peace of mind:

They’ll look after you when you make a claim, ensuring you’re kept fully informed, and that things stay on track and hassle-free.

If someone believes you damaged their property when using your classic car, let us know in advance when you make your claim so we can pay the legal fees to defend you.

If your vehicle is a total loss, you can still get the chance to repair or rebuild it with first rights to any salvage. We’ll just deduct the salvage value from your total loss payment.

Ready to get started?

Getting a quote only takes 5-10 minutes.

Call us on:

0800 500 231

It is important to note that limits, excesses, terms, conditions and exclusions apply to the insurance cover referred to. Cover is subject to underwriting acceptance. For full policy and benefit terms and conditions please read the full Classic Vehicle Insurance policy (PDF).

Does your Classic Vehicle qualify?

Your vehicle doesn’t need to be a registered classic to qualify, so it's well worth checking its eligible for our Classic Vehicle Cover.

Call us to find out more:

0800 500 231

Request your policy

If you already have Classic Vehicle insurance with us and you'd like a copy of your policy document, we can send it to you.

Request your Insurance Policy

Latest Policy Document

Want to know more about our Classic Vehicle Insurance policy? Read the full policy document online.

Download PDF

Frequently asked questions

If you can't find the answer you're looking for, please email us or call on 0800 500 231

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.

Our car insurance has an open driver policy, unless a special term has been applied to your policy. This means that any licensed driver who has your permission to drive your car, will automatically be covered, provided they don’t have any unacceptable traffic or criminal convictions and have not made any unacceptable claims or had unacceptable accidents (for example, using the car illegally). Please see your policy schedule to determine if a special term has been applied to your policy.

We offer a Lifetime Repair Guarantee when your vehicle is repaired by one of our approved repairers. We guarantee the quality of workmanship, parts and materials used to complete the repairs for your claim. The guarantee will remain in place while your vehicle is registered for road use in New Zealand.

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.

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Why choose AA Insurance?

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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. Just one reason why we have NZ's most satisfied customers.

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.

Making a claim with us