What is the NHC?

The Natural Hazards Commission Toka Tū Ake (NHC) is a government body set up to help cover damage caused by an earthquake or natural hazard. For more information visit the NHC website.

This provides general information only and is not intended to be a recommendation or personalised financial advice. Excesses, terms, conditions, limits and exclusions apply to AA Insurance Limited’s policies. Please check the policy wording and your schedule for details of cover. The provision of cover is subject to the underwriting criteria that apply at the time.

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Why has AA Insurance stopped offering new home insurance policies in some areas?I’ve invested heavily to make my property more resilient to storms and/or flooding, will my home insurance premium be adjusted to account for this?I’ve never had a flood or earthquake, why are you charging me for it?Why is my neighbour’s home insurance premium less than mine?Where can I find information about the natural hazard risk associated with my home?Does my policy cover off-grid power sources? Does my home policy cover me for damage caused by pests? Does my policy cover landscaping costs?Can I include excess-free glass cover on my policy?Can I insure a multi-unit dwelling?See more