Terms and conditions - Renewal Offer 2026

Participation in this promotion by renewing and paying for a Comprehensive Car policy that is renewing for the first time (“Qualifying Policy”) using the promo code: RENEWAL is deemed acceptance of these terms and conditions (“Terms”).

The promoter of the Renewal Offer Campaign promotion (“Promotion”) is AA Insurance Limited (“AA Insurance” or “us”), with its registered office at Level 4, 46 Sale Street, Auckland Central, Auckland, 1010, New Zealand.

The Promotion is available for eligible customers between 18 August 2026 and 18 November 2026 (“Promotional Period”).

1) The Promotion is the offer of a one-off $75 discount off the premium payable for your Qualifying Policy at its first annual renewal only (being the first annual renewal of that policy after its inception), when you renew your Qualifying Policy during the Promotional Period using the promo code RENEWAL.

2) This discount cannot be exchanged or redeemed for cash for any reason whatsoever.

3) The promo code: RENEWAL cannot be used in conjunction with any other offer except the AA Member Discount, if applicable.

4) To be eligible for the $75 discount off your premium your Qualifying Policy, you must:

5) If you pay your first year's premium for a Qualifying Policy in instalments, the $75 off discount will be spread across the instalments.

6) If a Qualifying Policy does not run for the full annual policy period (for example, if there is a mid-term cancellation), the $75-off discount applied will be pro-rated to the length of the Qualifying Policy.

7) You will not be eligible to participate in this Promotion if you:

8) The Promotion is open to New Zealand residents over 18 years of age only. Employees, contractors and their immediate families (including partners, siblings, grandparents, parents, children and grandchildren), of the following companies, are not eligible for the Promotion: AA Insurance Limited, The New Zealand Automobile Association Limited (“NZAA”) and subsidiaries of NZAA; NZAA District Councillors; any company with which the NZAA has a current joint venture arrangement; shareholders and suppliers of AA Insurance; including agencies, contractors, subcontractors, suppliers and affiliated providers.

9) AA Insurance may refuse to provide a discount to a participant who, in AA Insurance’s view, has acted fraudulently or not complied with these Terms.

10) Application for cover is subject to underwriting acceptance. Only Qualifying Policies underwritten by AA Insurance under the AA Insurance brand are eligible for participation in the Promotion.

11) AA Insurance has no control over the internet or mobile telephone communications, networks or lines, bugs, viruses and server problems and accepts no responsibility for any problems associated with them, for any reason.

12) If any event or circumstance occurs which is beyond the reasonable control of AA Insurance which prevents AA Insurance from complying with these Terms, AA Insurance will not be liable for any failure to perform or delay in performing its obligations.

13) AA Insurance reserves the right to modify these Terms at its reasonable discretion and to extend, modify, postpone or cancel the Promotion at any time for any reason beyond our reasonable control. AA Insurance’s decision is final, and no correspondence will be entered into.

14) AA Insurance, its related companies, and agencies associated with this Promotion, will not be liable for any loss, claim, cost, expense, liability or injury (“Loss”) suffered by any person in any way associated with the Promotion including as a result of participation in the Promotion, except where such Loss cannot be excluded by law. Nothing in these Terms is intended to exclude, limit or modify any statutory rights any person may have under the Consumer Guarantees Act 1993.

15) Policy cover with AA Insurance is subject to standard underwriting conditions. Policy conditions apply on any insurance claim and an excess usually applies. See our full policy terms and conditions.

16) These Terms shall be governed by the laws of New Zealand and are subject to the exclusive jurisdiction of the New Zealand Courts.

17) By taking part in this Promotion, AA Insurance will collect your personal information and the personal information of any joint policyholder. Your personal information will be held by us in accordance with our privacy policy which can be accessed online here. By taking part in this Promotion you consent to AA Insurance using your personal information for future marketing purposes, unless you otherwise advise us. Any request to access or correct your personal information or to opt out of marketing communications should be directed to AA Insurance, P.O. Box 992, Shortland Street, Auckland 1140 or by calling 0800 500 231.