Have more than one policy with us and have an accident, you'll only pay one excess - the highest applicable one.
Renters Insurance Policy Benefits:
This page is only a summary of key benefits, and application for cover is subject to underwriting acceptance. For full details, exclusions and limitations, please read the policy document.
Frequently asked questions
If you and your belongings have moved out of your parents’ home then you will no longer be covered by their Contents Insurance, so will need to take out your own policy. Unlike a family home, if you are flatting, your Contents insurance only covers your belongings and not your flatmates' as well.
If you’re a student living in tertiary accommodation you may qualify to be covered under your parents Contents Insurance with AA Insurance. This is up to $5,000, and includes your legal liability.
Your contents are not covered while overseas, however you can purchase AA Travel Insurance to cover you.
However, if you are going on holiday within New Zealand, the contents you take with you will be covered. If you will be away from your home for more than 60 days, the contents at your address are still covered. A long-term unoccupied excess will apply from day 61 of your home being unoccupied.
We will cover your contents if they unexpectedly go missing, as long as you have taken reasonable precautions in inviting a guest into your home.
You will not be covered for any acts by your guest that are intentional, reckless or have criminal intent, other than theft.
Five tips for renters to take the stress out of renting
The term ‘generation rent’ highlights the fact that 30 per cent of all Kiwis are now renting, many because they’re unable to afford to buy a home of their own. As the market grows, it therefore makes sense for tenants to better understand their rights and responsibilities.
Contents insurance for beginners
Price is often a motivating factor for choosing contents insurance, but the cheapest may not be the best for your circumstances.
Why choose AA Insurance?
NZ's most trusted insurer
Thanks for voting us New Zealand's Most Trusted General Insurance provider for nine 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 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.
One event, one excess
Lower your premiums with higher excesses
With our excess options on your home and contents you can choose a higher excess in return for lower premiums – and you’ll only have to pay that excess when you make a claim.
For more information, give us a call on 0800 500 231.
Multi policy discount
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.
AA Member discounts
The reasonable retail value of your asset immediately before it was damaged or lost.