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Discount terms and conditions

AA Member Discount

AA Member Discounts are available to AA Insurance customers who tell us about their eligible AA Membership when taking out a new eligible policy or renewing an existing eligible policy.

Read our full terms and conditions (‘AA Member Discount T&Cs’) below to find out more about important exclusions and limitations, including:

How much is the discount? See Clause 1 and 6 for current rates and how we apply them.

  • Rates vary from $5 to $50 per annual term based on tenure and policy type – see below.

How will I be eligible? See Clause 2 for the full criteria.

  • This includes that applicable Membership and policyholder names must match exactly.

What insurance policies does this apply to? See Clause 3 for a list of policy types.

  • Many policies issued by AA Insurance are currently eligible – see list below.

Which AA Membership types get the discount? See Clause 4 for included Memberships.

  • Currently, all personal Memberships.

What do I need to do to get the discount? See Clause 5 for what you need to tell us and when.

  • In summary, you need to tell us your AA Membership number and join date each time you take out a new policy and on renewal, unless a discount shows on your renewal notice.

What else do I need to know? See below including Clause 7 for other important terms.

AA Member Discount T&Cs

  1. AA Member Discount. Our current annual AA Member Discount rates are shown in the tables below. How we apply them is explained further in Clause 6.

The AA Member Discount can apply to each Eligible Policy you have – there is no maximum. The amount you save each year may also increase the longer you have an Eligible AA Membership.

AA Member Years

1 to 4

$10

$5

$5

$10

$5

5 to 9

$25

$5

$5

$15

$10

10 to 14

$35

$10

$10

$30

$15

15+

$50

$10

$10

$50

$20

Small Business Insurance

AA Member Years

Public and Products Liability

Statutory Liability

Equipment Breakdown

Deterioration of Stock

Commercial Vehicle Third Party, Commercial Vehicle Third Party, Fire & Theft

Portable Contents and Stock

Business Contents and Stock

Back in Business

Commercial Vehicle Comprehensive

1 to 4

$5

$10

$10

5 to 9

$5

$10

$25

10 to 14

$10

$20

$35

15+

$10

$20

$50

  1. Eligibility Criteria. You will be eligible for an AA Member Discount on an AA Insurance policy if all of the following Eligibility Criteria are met:

a) You are taking out or renewing an Eligible Policy (see Clause 3)

b) A named policyholder on the Eligible Policy also holds an active Eligible AA Membership under an identical name (see Clause 4)

c) At the time of taking out or renewing the policy (or within a grace period of 21 days after the new term commences), you have given us the correct AA Membership number and join date for the applicable Membership – when and how you need to do this is explained below (Clause 5).

3. Eligible Policies. Eligible Policies currently comprise the following policy types issued by AA Insurance Limited (‘AA Insurance’), when sold directly by AA Insurance or the New Zealand Automobile Association Incorporated (‘the AA’):

  • Comprehensive Car Insurance

  • Third Party Car Insurance

  • Third Party, Fire & Theft Car Insurance

  • PleasureCraft Cover Insurance

  • Home Insurance

  • Landlord Insurance

  • Contents Insurance

  • Limited Contents Insurance

  • Small Business, Public and Products Liability

  • Small Business, Commercial Vehicle Insurance

  • Small Business, Business Contents and Stock Insurance

  • Small Business, Portable Contents and Stock Insurance

  • Small Business, Statutory Liability Insurance

  • Small Business, Back in Business Insurance

  • Small Business, Equipment Breakdown Insurance

  • Small Business, Deterioration of Stock Insurance

    Note: Some policy types may no longer be available to new customers, however existing policy holders can still be eligible for the AA Member Discount if renewing.


  1. Eligible AA Memberships. Eligible AA Memberships currently comprise active personal AA Memberships taken out with the New Zealand Automobile Association Incorporated (‘the AA’).
  2. What you need to do: This clause explains when you need to give us the AA Membership number and join date for an applicable Membership, and how you need to do that.

Tip: Use the policy holder with the longest Eligible AA Membership tenure to ensure you get the highest available discounts. Clause 6(b) explains.

a) New policies. You will always need to give us the applicable AA Membership number and join date when taking out a new Eligible Policy – even if you already have another policy with us and receive an AA Member Discount, or have otherwise given Membership details to us before.

b) Renewing policies. There is nothing you need to do on renewal if your renewal notice shows an AA Member Discount has been applied to the new term. Otherwise, you will need to contact us to let us know applicable Membership details. You also need to do this if you want to give us details for a longer tenured Eligible AA Membership than what we have on file.

Please note that if the most recent AA Membership details given to us for a policy do not or no longer meet the Eligibility Criteria, we may choose to not apply the discount to any further renewal. However, you can contact us with updated Eligible AA Membership details at any time.

Tip: In addition to checking renewal notices, you can also check the discounts you are receiving on your policy documentation or online at My AA Insurance. The AA Membership details we have and amount of discount may not be available here, but you are welcome to contact us to confirm what we have on file.

c) How to contact us. See our ‘Contact’ page for how to get in touch.
6. Discount Application. This clause explains how we apply an AA Member Discount.

a) Premium reduction. AA Member Discounts are fixed sum amounts deducted from the total annual premium due for a policy (inclusive GST).

They are not transferable or redeemable for cash.

The discount can apply in addition to other promotions we may run, subject to its terms.

b) AA Membership Tenure. Discounts are based on the length of time an AA Membership has been held at the start of a new policy or at the renewal of an existing policy, using the join date you provide us or any later join date that may be advised to us by the AA.

Where more than one policyholder has an active Eligible AA Membership, the discount that applies will be for the most recent Membership given to us by a policyholder. If another policyholder has a longer tenure, you are welcome to update us with their Membership details and we’ll apply any higher discount amount from your next renewal. Make sure to mention all Eligible Policies this applies to.

On any renewal, if the AA has advised us of a later join date for your Membership than you have provided to us, we may choose to apply any lower applicable discount rate. Premiums as shown on any policy notice we have sent you will not change, but this may affect further renewals.

Tip: You can contact us to check which Membership details we may have on file for your policy.

c) Commencement. The discount will be applied effective from the start date of a new policy or at the renewal of an existing policy, and where the eligibility criteria in Clause 2 are met. This means the discount cannot commence part way through the term of an existing policy or apply retroactively (outside any applicable grace period) to any policy.

d) Adjustments. Discounts applied to a policy will be pro-rated if that policy does not run for a full 12 month policy period for whatever reason (e.g. cancellation mid-term).

The balance of the originally applied discount may be deducted from any premium refund owing to you (inclusive GST).

e) AA Membership changes. If the AA Membership of any policyholder becomes inactive part way through a policy term, there will be no change to any discounts already applied or to discounts in any renewal offer we have made.

However, if you are renewing, unless a discount is showing on your renewal notice, the Eligibility Criteria in Clause 2 will need to be met to receive an AA Member Discount. If the most recent Membership given to us for a policy became inactive, you may need to provide us with new details.

You can request a change to the Membership details we have on file at any time by contacting us.

f) AA Member Discount T&C changes. If we update these AA Member Discount T&Cs, there will be no change to discounts already applied or to discounts in any renewal offer we have already made.

However, depending on the updates, this may mean that when renewing or taking out a new policy, you are no longer eligible for a discount and you may need to contact us with updated information.

Discount rates are also subject to change or discounts may no longer be offered. Before you renew or take out a new policy, you should therefore check the current version of these AA Member Discount T&Cs.
7. Other important terms.

a) When these terms apply. These AA Member Discount T&Cs apply to AA Member Discounts from 26/03/2020 and apply whether you are taking out a new policy or renewing an existing policy. They may be changed from time to time without notice, so ensure you check for the current version and discount rates before you take out or renew any policy with us.

b) Other terms with us. These AA Member Discount T&Cs are separate and additional to any other terms and conditions that may apply to our relationship, including for example those related to other promotional offers, use of our website and our insurance policies.

If there is a conflict between any part of these AA Member Discount T&Cs and the terms and conditions of any insurance policy you have with AA Insurance, the terms and conditions of your AA Insurance policy take precedence.

c) Responsibilities and liability. We will endeavour to cross-check our own information about your AA Membership with the AA to confirm eligibility, however it is ultimately your responsibility to provide us with correct Eligible AA Membership details for each policy, and to let us know of relevant changes.

AA Insurance will not be liable for any loss of discount benefits or other consequence resulting from the details you provide being out of date, inaccurate or otherwise. We will also not be liable for any change to these AA Member Discount T&Cs.

We are also not responsible and accept no liability for any breach by the AA or its partners of its obligations to you in respect of AA Membership programmes.

However, nothing in this clause or these AA Member Discount T&Cs limits your minimum statutory consumer rights (including under the Consumer Guarantees Act 1993), or where it may otherwise be unlawful to do so.

d) If there is a problem. It is possible that, despite our efforts to apply AA Member Discounts in accordance with these AA Member Discount T&Cs, your discount is not applied correctly. If you did not receive a discount when you believe you were entitled to one (or received a smaller discount than you expected), we encourage you to contact us and we’ll try to make it right. You are also entitled to exercise any other legal rights you may have, including by making a claim against us.

e) Privacy. We will collect, hold, use and share personal information about you in connection with the AA Member Discount pursuant to our standard privacy terms and subject to the Privacy Act. Our standard privacy terms are available online.

For this discount, this includes that AA Insurance and the AA may share, receive and use personal information about any policyholder or Member relevant to and for the purpose of verifying eligibility including: names, contact information, date of birth, gender, and length and type and status of AA Membership. Where you provide us with Membership information for another policyholder, you represent that you have obtained their consent to these privacy terms. For information the AA may collect, hold, use and share about you, refer to their privacy policy.

Multi Policy Discount

Multi Policy Discounts are available to AA Insurance customers who tell us they hold or will hold another eligible AA Insurance policy when taking out a new eligible policy or renewing an existing eligible policy.

Read our full terms and conditions (‘Multi Policy Discount T&Cs’) below to find out more about important exclusions and limitations, including:

How much is the discount? See Clause 4 for the current discount and how we apply it.

  • Currently 10% off premium for a standard policy – details below.

How will I be eligible? See Clause 1 for the full criteria.

  • This includes that policy postal addresses and at least one policyholder name must match exactly.

What insurance policies does this apply to? See Clause 2 for a list of policy types.

  • Many policies issued by AA Insurance are currently eligible – see list below.

What do I need to do to get the discount? See Clause 3 for what you need to tell us and when.

  • In summary, you need to tell us the policy number of another eligible AA Insurance policy each time you take out a new policy and on renewal, unless a discount is already shown on your renewal notice.

What else do I need to know? See below including Clause 5 for other important terms.

Multi Policy Discount T&Cs

  1. Eligibility Criteria. You will be eligible for a Multi Policy Discount on an AA Insurance policy if all of the following Eligibility Criteria are met:

a) You are taking out or renewing an Eligible Policy (see Clause 2)

b) A named policyholder on that policy also holds, or is taking out at the same time, another Eligible Policy under an identical policyholder name and with the same mailing address

c) When taking out or renewing the policy (or within a grace period of 21 days after the new term commences), you give us the policy number of the other Eligible Policy – when and how you need to do this is explained below (Clause 3).
2. Eligible Policies. Eligible Policies currently comprise the following policy types issued by AA Insurance Limited (‘AA Insurance’), when sold directly by AA Insurance or the New Zealand Automobile Association Incorporated (‘the AA’):

  • Landlord Insurance
  • Home Insurance
  • Contents Insurance
  • Limited Contents Insurance
  • Comprehensive Car Insurance
  • Third Party, Fire & Theft Car Insurance
  • Third Party Car Insurance
  • Caravan/Trailer Insurance
  • Motorcycle Insurance
  • Classic Vehicle Insurance
  • Motorhome Insurance
  • Small Business, Public and Products Liability
  • Small Business, Commercial Vehicle Insurance
  • Small Business, Business Contents and Stock Insurance
  • Small Business, Portable Contents and Stock Insurance
  • Small Business, Statutory Liability Insurance
  • Small Business, Back in Business Insurance
  • Small Business, Equipment Breakdown Insurance
  • Small Business, Deterioration of Stock Insurance
  • Small Business, Employers Liability Insurance
  • Small Business, Employee Theft Insurance

Note: Some policy types may no longer be available to new customers, however existing policy holders can still be eligible for a Multi Policy Discount if renewing.

  1. What you need to do: This clause explains when you need to give us the policy number of another Eligible Policy, and how you need to do that.

a) New policies. You will always need to give us the policy number of another Eligible Policy when taking out a new Eligible Policy – even if you already have one or more other Eligible Policies with us and whether or not you already receive a Multi Policy Discount on any existing policies.

b) Renewing policies. There is nothing you need to do on renewal if your renewal notice shows a Multi Policy Discount has been applied to the new term. Otherwise, you will need to contact us to let us know an Eligible Policy number.

Please note that if you are not eligible for a discount on renewal but one is shown on your renewal notice, we may still choose to not apply the discount upon any further renewal unless you meet the Eligibility Criteria again.

Tip: In addition to checking renewal notices, you can also check the discounts you are receiving on your policy documentation or online at My AA Insurance.

c) How to contact us. See our ‘Contact’ page for how to get in touch.

Tip: Have your policy documentation handy so that we can help you find policy numbers.

  1. Discount Application. This clause explains how we apply a Multi Policy Discount.

a) Premium reduction. The Multi Policy Discount is currently a 10% discount off the annual premium for a standard policy. It does not apply to additional premiums for any policy extensions or optional benefits. We may choose to apply it after the application of any other applicable promotions. It does not apply to government levies or GST.

The discount applies to each Eligible Policy where you have met the Eligibility Criteria. There is no maximum to the number of Eligible Policies it can apply to.

The discount is not transferable or redeemable for cash.

b) Commencement. The discount will be applied effective from the start date of a new policy or at the renewal of an existing policy, and where the eligibility criteria in Clause 1 are met. This means the discount cannot commence part way through the term of an existing policy or apply retroactively (outside any applicable grace period) to any policy.

c) Adjustments. Discounts applied to a policy will be pro-rated if that policy does not run for a full 12 month policy period for whatever reason (e.g. cancellation mid-term).

Discounts will be taken into account if your premium amount is adjusted mid-term, for example, if your policy is updated due to a change in circumstances.

The balance of the originally applied discount may be deducted from any premium refund owing to you (inclusive GST).

d) Changes to the policies you hold. If an Eligible Policy is cancelled or not renewed, there will be no change to any discounts already applied or to discounts in any renewal offer we have made.

However, if you are renewing a remaining active policy, unless a discount is showing on your renewal notice, the Eligibility Criteria in Clause 1 will need to be met to receive a Multi Policy Discount. You may need to provide us with details of another Eligible Policy.

You can request a change to the details we have on file at any time by contacting us.

e) Multi Policy Discount T&C changes. If we update these Multi Policy Discount T&Cs, there will be no change to discounts already applied or to any discounts in any renewal offer we have already made.

However, depending on the updates, this may mean that when renewing or taking out a new policy, you are no longer eligible for a discount and you may need to contact us with updated information.

Discount rates are also subject to change or discounts may no longer be offered.

Before you renew or take out a new policy, you should therefore check the current version of these Multi Policy Discount T&Cs.
5. Other important terms.

a) When these terms apply. These Multi Policy Discount T&Cs apply to Multi Policy Discounts from 26/03/2020 and apply whether you are taking out a new policy or renewing an existing policy. They may be changed from time to time without notice, so ensure you check for the current version and discount rates before you take out or renew any policy with us.

b) Other terms with us. These Multi Policy Discount T&Cs are separate and additional to any other terms and conditions that may apply to our relationship, including for example those related to other promotional offers, use of our website and our insurance policies.

If there is a conflict between any part of these Multi Policy Discount T&Cs and the terms and conditions of any insurance policy you have with AA Insurance, the terms and conditions of your AA Insurance policy take precedence.

c) Responsibilities and liability. We will endeavour to cross-check our own information about policies you hold for the purpose of this discount, however it is ultimately your responsibility to provide us with correct information about other Eligible Policies, and to let us know of relevant changes.

AA Insurance will not be liable for any loss of discount benefits or other consequence resulting from the details you provide being out of date, inaccurate or otherwise. We will also not be liable for any changes to these Multi Policy Discount T&Cs.

However, nothing in this clause or these Multi Policy Discount T&Cs limits your minimum statutory consumer rights (including under the Consumer Guarantees Act 1993), or where it may otherwise be unlawful to do so.

d) If there is a problem. It is possible that, despite our efforts to apply Multi Policy Discounts in accordance with these Multi Policy Discount T&Cs, your discounts are not applied correctly. If you did not receive a discount when you believe you were entitled to one (or received a smaller discount than you expected), we encourage you to contact us and we’ll try to make it right. You are also entitled to exercise any other legal rights you may have, including by making a claim against us.

e) Privacy. We will collect, hold, use and share personal information about you in connection with the Multi Policy Discount pursuant to our standard privacy terms and subject to the Privacy Act. Our standard privacy terms are available online.

For this discount, this includes that AA Insurance and our group partners may use your personal information relevant to and for the purpose of verifying eligibility including: names, contact information, date of birth, gender, and details of other AA Insurance policies. Where you provide us with information for another policyholder, you represent that you have obtained their consent to these privacy terms.

Other Discounts

We may offer other types of discounts from time to time. Refer to the relevant offer for specific applicable terms and conditions.

Unless otherwise stated, all discounts quoted are correct at time of publication and are subject to change. Discounts do not apply to Government Levies. The advertised discount may apply in part, or not at all, if your premium is below our minimum level.