Lower your premiums with higher excesses
With our excess options on your home and contents cover, you can choose a higher excess in return for lower premiums – you’ll only have to pay that excess when you make a claim.
For more information, give us a call on 0800 500 231.
Legal Liability Cover
If you are liable for accidental damage to someone else’s property – for instance, if you accidentally break a vase in a store – we’ll protect you against any claim they make, up to $2 million.
And, if you cause accidental bodily injury to another person, we'll pay up to $250,000 towards any reparation order made against you to top up the ACC payments made for the losses that person suffers.
New Zealand wide cover
We’ll protect your belongings at home and on the road, no matter where you – and they – are in New Zealand.
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.
Natural Disaster Cover
If the unexpected happens and your contents are damaged by a natural event, we’ll top up the cover provided by the EQC so your contents are insured up to the Sum Insured.
Contents in storage
We’ll provide limited cover for your contents while they are kept in a professional storage facility for up to 12 months.
Moving your contents
We will pay the reasonable cost of moving your contents to temporary accommodation, and/or a professional storage facility if your home becomes uninhabitable as a result of an event covered by your policy, and your contents are at risk of loss or damage.
More policies means more savings
Insure both your contents and your home with us, and you’ll receive a discount on both policies.
Then, if your contents and home at the same address are damaged at the same time, you'll only have to pay one excess for the claim.
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 aainsurance.co.nz/terms.
Latest Policy Document
Want to know more about our contents insurance? Read the full policy document online.
If you already have contents insurance with us and you’d like a copy of your policy, including the latest updates, we can send it to you.
This is a guide to help you calculate the value of your contents.