Hardship Fund Terms and Conditions

Hardship Fund Initiative Terms and Conditions

These Hardship Fund Initiative (“Initiative”) terms and conditions are subject to revision and change by AA Insurance Limited (“AA Insurance”) without notice.

The Initiative

  1. AA Insurance is setting up a $1 million fund to assist existing eligible AA Insurance customers suffering genuine financial hardship during the COVID-19 pandemic to retain their insurances.

  2. Eligible customers may be supported by AA Insurance in a variety of ways, including but not limited to adjusting premium payment obligations, policy adjustments, or premium holidays. Each case of financial hardship will be assessed individually. AA Insurance has absolute discretion regarding how it provides assistance to eligible customers.


  1. To be eligible for assistance under the Initiative, you must be an existing AA Insurance customer suffering genuine financial hardship, who holds an Eligible Policy (detailed below) with a commencement date of cover starting before 11.59pm, 17 August 2021.

  2. The following are the “Eligible Policies” for the Initiative:

  • Landlord Insurance
  • Home Insurance
  • 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 Insurance

  1. This Initiative is not available for policyholders who take out a new Eligible Policy after 11.59pm, 17 August 2021.

Hardship support – what you need to do

  1. If you meet the eligibility criteria detailed at clauses 3 – 6, to apply for the Initiative you need to contact us and provide details of the circumstances of your financial hardship, either by:

a) Phone: You can reach our Call Centre on 0800 500 231 (8am - 8pm Monday to Friday; 8am - 6pm on weekends and public holidays). b) Online Application Form: You can fill out our Financial Hardship form and we'll get in touch with you at a time that suits. c) Online Live Chat: Our Live Chat team is available from 8am to 6pm, seven days a week including public holidays.

  1. Upon notification and acceptance of your financial hardship application, AA Insurance will work with you to understand your individual situation and seek to provide support to assist you with retaining your insurances.

  2. AA Insurance reserves the right, at its sole discretion, to determine:

a) what constitutes financial hardship and whether an individual qualifies for assistance; b) the type of financial hardship assistance to be provided (if any); and c) when any financial hardship assistance will be provided and when it will cease.


  1. AA Insurance reserves the right to modify these terms and conditions at its discretion and to extend, modify, postpone or cancel the Initiative at any time. AA Insurance’s decision is final and no correspondence will be entered into.

  2. AA Insurance, its related companies, and agencies associated with this Initiative, will not be liable for any loss, claim, cost, expense, liability or injury (‘Loss’) suffered by any person in any way associated with the Initiative including as a result of participation in the Initiative, except where such Loss can not be excluded by law.

  3. These terms and conditions shall be governed by and construed in accordance with the laws of New Zealand and shall be subject to the exclusive jurisdiction of New Zealand courts.

  4. This Initiative has been created by AA Insurance Limited, which has its registered office at Level 17, AA Centre, 99 Albert Street, Auckland.

  5. Policy cover with AA Insurance is subject to our standard underwriting conditions. Limits, excesses, terms, conditions and exclusions apply to your insurance cover. For full policy and benefit terms and conditions click here or go to aainsurance.co.nz/terms.