Comprehensive Car Insurance Policy Changes
Here’s a summary of the changes to our insurance cover and the key changes to our Comprehensive Car Insurance policy.
The changes are important, so please take the time to read them over. If you’d like more detail, we’ve also included links to the full policy documents.
What policy version
am I on?
You will be on our new policies if:
- Your Policy Number starts with one of the following: AMV, AHM, AHL, AMC, AMH, ACV, or AME.
- You purchased the policy on or after 27th Sep 2015.
All information provided on our website is written for our new policies unless stated otherwise.
You will be on our previous policies if:
- Your Policy Number starts with AAI.
- You purchased your policy before 27th Sept 2015.
What the changes mean for you
You have a new policy number
You now have a new number for each type of cover you have with us. So if you have more than one policy, you’ll receive information about each one, separately in the mail.
We’ve streamlined our payment options
If you use internet banking to pay your annual premium you’ll need to update your Bill Payee to ‘AA Insurance – Premium’ so it goes to the right account. You’ll also need to add your Customer PRN (payment reference number). You can find your PRN in the most recent letter we sent you.
If you pay your premium by fortnightly or monthly direct debit, there’s no change and nothing you need to do.
If you pay your premium by annual direct debit you will need to change your payment method to one of the following options:
Phone: 0800 500 213 to pay using a credit or debit card.
Internet banking: select ‘AA Insurance – Premium’ as the bill payee. Then enter your Customer PRN (payment reference number) in the particulars field.
AA Centres: use our Store Locator to find your nearest AA Centre.
If you pay your premium by a quarterly or six-monthly direct debit, this will change to a monthly direct debit. You can find the first payment date and amount in the most recent letter we sent you.
Just received your renewal pack?
Here are some FAQs
You'll find answers to many of your questions here. If you have a specific question or would like more detail, please contact us or call us on 0800 500 213.
General information for you as a customer
We listen to our customers and are acting on feedback. These changes are simply a way for us to continually improve how we respond to our customers’ needs.
Our system is designed to work at a policy level so you will receive individual correspondence about each of the policies you have with us. If you prefer, you can choose to receive your correspondence by email instead. Please give us a call us on 0800 500 213 to discuss.
Your premium and payment options
Here’s a table summarising these. We’re here to help so if you have any questions about our payment options, please call us on 0800 500 213.
*from policy renewal.
You can pay your premium by monthly or fortnightly direct debit. If you were previously paying via quarterly or six-monthly direct debit, you’ll now be switched to monthly payments from the date noted in your renewal notice. If you’d like to find out more about your payment options, please call us on 0800 500 213.
There are three payment options to choose from:
1. Fortnightly or monthly direct debit.
2. Annual payment via your bank’s online banking service. You’ll just need to choose Bill Payee AA Insurance – Premium from the list provided by your Internet banking service. You’ll need to enter your payment reference number (PRN) in the reference field. This can be found on your renewal letter.
3. Pay online via our website.
If you’d like to find out more about your payment options, please call us on 0800 500 213.
Your bank has AA Insurance set up as a bill payee. You’ll just need to choose Bill Payee AA Insurance – Premium from the list provided by your Internet banking service. You’ll need to enter your payment reference number (PRN) in the reference field. This can be found at the bottom of your renewal letter.
Alternatively, you can pay online via our website.
We regularly review our insurance policies to ensure we continue to provide affordable, quality protection. Most of our customers have a No Claims Bonus, so we have decided to automatically include this discount in the price of all our customers’ car policies. This change will have little or no impact on your premium.
Yes, this benefit will apply for the life of your current car insurance policy. Please note this benefit is not available on any future car insurance policies you may take out.
Your excess is determined by your personal circumstances and you might have to pay more than one type of excess should you need to make a claim. Any excess that applies to you is listed on your policy schedule but if you’d like more information, please call us on 0800 500 213.
Yes, you may be able to adjust your excess in exchange for a higher or lower premium. Simply give us a call on 0800 500 213 and we’ll be happy to discuss your options.
If you or another driver of your vehicle is aged 25 years or over and have held a full New Zealand Driver Licence for less than two years, an additional excess of $400 will apply. Remember, this excess only applies if your vehicle has been damaged in an accident, and the driver is aged 25 years or over and has held a full NZ driver licence for less than two years.
We do recommend you list any driver aged under 25 on your policy who is likely to drive your vehicle, however you aren’t required to. However, please bear in mind that in the event of a claim the total excess for an unlisted driver aged under 25 years is $2,500.
An inexperienced driver (a driver aged 25 or over who has held their full New Zealand licence for less than two years) does not need to be listed on your policy. In the event of a claim, an additional excess of $400 will apply whether they are listed or not.
What you need to do next
As a few things have changed, it’s important to check that the new cover is still right for you.
Please carefully read your policy schedule and your policy document, so you understand what you are covered for and any exclusions, conditions and limits that may apply.
If any of your details are incorrect, there is other information you need to tell us, or you need to change your cover, please call us on 0800 500 213.