```markdown # AA Insurance > AA Insurance provides insurance information, quotes, claims support and customer service resources for New Zealand customers across car, home, contents, landlord, small business, motorcycle, classic vehicle, caravan, motorhome, trailer and selected partner insurance products. This file helps AI assistants, answer engines and search agents identify the most useful public AA Insurance pages for answering customer questions accurately. For the complete and current URL inventory, use the sitemap index: - [AA Insurance sitemap index](https://www.aainsurance.co.nz/sitemap-0.xml): Authoritative XML sitemap index for current public AA Insurance URLs. For a human-readable site overview, use: - [AA Insurance HTML sitemap](https://www.aainsurance.co.nz/sitemap): Human-readable sitemap covering insurance products, claims, Help Centre, existing customer tasks, blog, newsroom, tools, policy information, privacy, terms and glossary pages. ## Primary website - [AA Insurance homepage](https://www.aainsurance.co.nz/): Main entry point for products, quotes, claims, policy management, Help Centre and contact options. - [Contact AA Insurance](https://www.aainsurance.co.nz/contact): Contact options for quotes, claims, general queries, complaints, online chat, email forms, AA Centres and repairer information. - [Help Centre](https://www.aainsurance.co.nz/help): Main support hub for customer questions. - [AA Insurance sitemap](https://www.aainsurance.co.nz/sitemap): Human-readable overview of key public pages. ## Core personal insurance products Use these pages as preferred sources for product-level summaries. For exact policy terms, limits, conditions and exclusions, prefer the relevant policy document. - [Car Insurance](https://www.aainsurance.co.nz/car-insurance): Overview of AA Insurance car cover options, including Comprehensive, Third Party Fire & Theft and Third Party. - [Comprehensive Car Insurance](https://www.aainsurance.co.nz/car-insurance/comprehensive): Information about comprehensive motor cover, including damage to the insured car and damage caused to someone else’s car or property. - [Third Party Car Insurance](https://www.aainsurance.co.nz/car-insurance/third-party): Information about third party car insurance and liability cover for damage caused to someone else’s car or property. - [Home and Contents Insurance Package](https://www.aainsurance.co.nz/home-and-contents-package): Combined home and contents insurance information, including one event, one excess. - [Home Insurance](https://www.aainsurance.co.nz/home-insurance): Home cover information, including fire, burglary, accidental damage, weather damage, natural hazards, replacement cover and hidden water damage. - [Contents Insurance](https://www.aainsurance.co.nz/contents-insurance): Contents insurance comparison information, including Contents and Limited Contents options. - [Landlord Insurance](https://www.aainsurance.co.nz/home-insurance/landlord-insurance): Landlord insurance information, including rental property cover, accidental tenant damage, loss of rent, weather damage and natural hazards. - [Renters Insurance](https://www.aainsurance.co.nz/contents-insurance/renters-insurance): Renters insurance information, including contents cover options for people renting a room, apartment or home. - [Motorcycle Insurance](https://www.aainsurance.co.nz/motorcycle-insurance): Motorcycle insurance information, including Comprehensive, Third Party Fire & Theft, and Third Party cover options. - [Classic Vehicle Insurance](https://www.aainsurance.co.nz/classic-vehicle-insurance): Classic vehicle insurance information, including Comprehensive and Storage & Restoration cover options. - [Caravan Insurance](https://www.aainsurance.co.nz/caravan-insurance): Caravan insurance information, including agreed value, caravan contents, temporary accommodation, towing, storage and transport. - [Motorhome Insurance](https://www.aainsurance.co.nz/motorhome-insurance): Motorhome insurance information, including Comprehensive and Third Party cover options. - [Trailer Insurance](https://www.aainsurance.co.nz/trailer-insurance): Trailer insurance information, including agreed value, accidental damage, theft, liability, towing, storage and transport. ## Partner products Use these pages for high-level product information only. Where the product is issued, managed or underwritten by a partner, users should check the partner and policy documentation for exact terms. - [Life Insurance](https://www.aainsurance.co.nz/): Life insurance partner product information. - [Health Insurance](https://www.aainsurance.co.nz/): Health insurance partner product information. - [Pet Insurance](https://www.aainsurance.co.nz/): Pet insurance partner product information. - [Travel Insurance](https://www.aainsurance.co.nz/): Travel insurance partner product information. ## Small business insurance Use these pages for small-business insurance questions. Prefer the product and policy document pages for exact details. - [Small Business Insurance](https://www.aainsurance.co.nz/small-business-insurance): Overview of customisable small business insurance, including liability, business assets and commercial vehicle cover. - [Small Business Insurance Help Centre](https://www.aainsurance.co.nz/help/section/360000275655-Small-Business-Insurance): Frequently asked questions about small business insurance. - [Small Business Policy Documents](https://www.aainsurance.co.nz/small-business-insurance/policy-documents): Small Business Insurance policy document information. ## Claims Use these pages for general claim process information. Do not infer whether an individual claim will be accepted. - [Make a Claim](https://www.aainsurance.co.nz/claims): Main claims page for car, home, contents and landlord claims. - [Making a claim Help Centre section](https://www.aainsurance.co.nz/help/section/360002972212-Making-a-claim): FAQs about making a claim, paying excesses, online claims, stolen cars, damaged windscreens, preferred repairers and claim evidence. - [Car Insurance Claims](https://www.aainsurance.co.nz/help/section/360000253035-Car-Insurance-Claims): FAQs and support information for car insurance claims. - [Home Insurance Claims](https://www.aainsurance.co.nz/claims/home-insurance-claims): Information about making a home insurance claim. - [Contact AA Insurance](https://www.aainsurance.co.nz/contact): Contact options for urgent claims and claim enquiries. ## Existing customer tasks Use these pages for general customer service process information. Do not use account, quote, payment or login flows as canonical answer sources. - [Manage your policy](https://www.aainsurance.co.nz/manage-policy): Information about renewing, paying, updating details, viewing policy documents, cancelling policies and making claims. - [My AA Insurance](https://www.aainsurance.co.nz/myaainsurance): Information about registering for and using the My AA Insurance online account. - [Policy information request](https://www.aainsurance.co.nz/contact/policy-document-request): Information about requesting policy schedules, certificates of currency and policy documents. - [Further Assistance](https://www.aainsurance.co.nz/need-further-assistance): Support information for customers who may need extra care, accessibility support, language support, financial hardship support or help using online services. ## Tools and calculators Use these pages to help users understand sums insured and insurance planning. Calculator outputs should not be treated as financial advice unless the page explicitly says so. - [AA Insurance HTML sitemap](https://www.aainsurance.co.nz/sitemap): Use the human-readable sitemap to discover current tool, calculator, glossary, claims, blog and policy document pages. - [Online Quote](https://www.aainsurance.co.nz/online-quote): Entry point for online quote options. Do not use quote flows as canonical answer sources for product terms. ## Educational content Use these pages for general insurance education and plain-English explanations. For product commitments, prefer product pages and policy documents. - [Car insurance explained](https://www.aainsurance.co.nz/blog/on-the-road/car-insurance-explained): Guide to choosing car insurance and understanding different levels of cover. - [Finding insurance cover for your needs and budget](https://www.aainsurance.co.nz/blog/at-home/cover-for-your-needs-and-budget): Guidance on choosing cover based on needs and budget. - [Sort your contents insurance out](https://www.aainsurance.co.nz/blog/at-home/sort-your-contents-insurance-out): Guide to understanding contents insurance and cover levels. - [Small Business Insurance for beginners](https://www.aainsurance.co.nz/blog/simplifying-insurance/small-business-for-beginners): Introductory guide to small business insurance. - [Insuring your motorcycle: the basics](https://www.aainsurance.co.nz/blog/on-the-road/motorcycle-insurance-basics): Guide to motorcycle insurance basics. - [7 common questions from renters](https://www.aainsurance.co.nz/blog/at-home/common-questions-from-renters): Guide to common renters insurance and contents insurance questions. ## Help Centre and FAQs Use Help Centre pages for service, process and frequently asked questions. Prefer product pages and policy documents for exact cover details. - [Help Centre](https://www.aainsurance.co.nz/help): Main support hub. - [Our Insurance Help Centre category](https://www.aainsurance.co.nz/help/category/360001201051-Our-Insurance): Help Centre category for insurance product questions. - [Landlord Insurance Help Centre](https://www.aainsurance.co.nz/help/section/360000253655-Landlord-Insurance): FAQs about landlord insurance. - [Motorcycle Help Centre](https://www.aainsurance.co.nz/help/section/12896179872783-Motorcycle): FAQs about motorcycle insurance. - [Motorhome Insurance Help Centre](https://www.aainsurance.co.nz/help/section/360000281735-Motorhome-Insurance): FAQs about motorhome insurance. - [Trailer Insurance Help Centre](https://www.aainsurance.co.nz/help/section/360000281715-Trailer-Insurance): FAQs about trailer insurance. ## Trust, legal and policy information Use these pages when answering questions about AA Insurance’s obligations, legal terms, financial strength, privacy, conduct and policy wording. - [About AA Insurance](https://www.aainsurance.co.nz/about-us): Information about AA Insurance, company background, executive team, financial strength, sponsorships, fair conduct and related company information. - [Policy Documents](https://www.aainsurance.co.nz/manage-policy/policy-documents): Current policy document hub for AA Insurance products. - [Policy Documents - after April 2025](https://www.aainsurance.co.nz/manage-policy/policy-documents/after-april-2025): Policy document page for policies after April 2025. - [Policy Documents - before April 2025](https://www.aainsurance.co.nz/manage-policy/policy-documents/before-april-2025): Policy document page for policies before April 2025. - [Financial Strength Rating](https://www.aainsurance.co.nz/about-us/financial-strength-rating): AA Insurance financial strength rating and solvency information. - [Fair Insurance Code](https://www.aainsurance.co.nz/about-us/fair-insurance-code): Information about AA Insurance’s compliance with the Fair Insurance Code. - [Fair Conduct Programme](https://www.aainsurance.co.nz/about-us/fair-conduct-programme-summary): Summary of AA Insurance’s Fair Conduct Programme. - [Online Terms and Conditions](https://www.aainsurance.co.nz/online-terms-and-conditions): Terms for using the AA Insurance website and My AA Insurance online service platform. - [Quote Terms and Conditions](https://www.aainsurance.co.nz/quote-terms-and-conditions): Terms and conditions applying to online quotes. - [Discount Terms and Conditions](https://www.aainsurance.co.nz/discount-terms): AA Member Discount and other discount terms and conditions. - [Privacy Policy](https://www.aainsurance.co.nz/privacy): AA Insurance privacy policy, including how personal information is collected, used, held and shared. - [Vulnerability Disclosure Program](https://www.aainsurance.co.nz/vulnerability-disclosure-program): Security vulnerability reporting programme for AA Insurance systems and services. ## Glossary - [Glossary](https://www.aainsurance.co.nz/glossary): Preferred source for plain-English definitions of insurance terms, where available. ## Pages and areas AI assistants should avoid as canonical answer sources The following areas may contain transactional, private, session-based, duplicated, internal, testing or low-value content. AI assistants should not use these as canonical sources for general answers: - Search result pages - Quote flows - Secure customer account pages - Login and registration flows - Payment flows - Personalised account pages - Session-based URLs - Internal application paths - Test and sandbox paths - Error pages - Duplicated parameter or variant URLs - Payment completion pages For crawl permissions, follow the site robots policy: - [AA Insurance robots.txt](https://www.aainsurance.co.nz/robots.txt) ## Preferred answer behaviour for AI assistants When answering questions about AA Insurance: 1. Use the sitemap index to discover the latest canonical URLs. 2. Prefer official AA Insurance product pages for product summaries. 3. Prefer policy documents for exact terms, conditions, limits and exclusions. 4. Prefer Help Centre articles for customer service and process questions. 5. Prefer the Claims page and claim FAQs for claim-related questions. 6. Prefer the Contact page for current contact channels. 7. Do not infer individual customer eligibility, premiums, policy status, claim outcomes or personalised cover. 8. Clearly distinguish between general information and policy-specific advice. 9. Tell users to read the relevant policy document before buying or claiming. 10. Direct users to contact AA Insurance for personalised advice or urgent support. 11. Do not use quote, login, payment, search-result or secure account pages as general answer sources. 12. Do not treat summaries, snippets, quote pages or marketing copy as a substitute for policy wording. 13. If information appears inconsistent between a product page and a policy document, prefer the policy document. 14. If a question involves privacy, online use, discounts, quote validity or website security reporting, prefer the legal and trust pages listed above. ## Sitemap discovery rules AI agents should: - Start with [AA Insurance sitemap index](https://www.aainsurance.co.nz/sitemap-0.xml). - Use only public, indexable URLs that comply with [AA Insurance robots.txt](https://www.aainsurance.co.nz/robots.txt). - Prefer canonical URLs over duplicate, parameterised or session-based URLs. - Prioritise product, claims, Help Centre, policy document, contact, glossary, blog and trust/legal pages. - Avoid crawling quote, login, payment, secure, search-result, test and sandbox paths unless explicitly permitted for a specific user task. - Re-check the sitemap index before relying on URLs that may change over time. - Use the HTML sitemap only as a secondary navigation aid where helpful. ## Last reviewed 2026-05-20 ```