Special Multi Policy Discount – Terms & Conditions

Participation in this promotion by purchasing and paying for a new AA Insurance policy (“__Qualifying Policy__”) and receiving a discount off the first year of your annual premium, is deemed acceptance of these terms and conditions (“__Terms__”). Qualifying Policy means Home, Contents, Landlord or Motor Vehicle insurance policies.


The promoter of the Online Discount Promotion is AA Insurance Limited (AA Insurance), with its registered office at Level 17, AA Centre, 99 Albert Street, Auckland.


  1. The Promotion is the offer of a 20% Multi Policy Discount off the first year’s premium (“__Promotion__”) with the purchase and payment of two or more new Qualifying Policies between 10 October 2019 and 20 November 2019 inclusive (“__Promotional Period__”).

  2. If you pay for your annual premium in full you will receive the applicable discount off your payment.  If you choose to pay your annual premium monthly or fortnightly by direct debit, the applicable discount will be applied pro rata to the first 12 months of your premium payments.

  3. The Promotion cannot be used in conjunction with any other offer except for the AA Member discount and standard AA Insurance Multi Policy Discount, if applicable.


  1. The Promotion is open only to purchases for home, contents, motor vehicle, and property insurance risks within the Auckland Region.

  2. To be eligible for the Promotion, you must take out and pay for two or more new Qualifying Policies during the Promotional Period. The annual premium for the new Qualifying Policy must be either paid in full or have a direct debit activated and the first payment processed for the discount to be applied.

  3. Employees, contractors and their immediate families (including partners, siblings, grandparents, parents, children and grandchildren), of the following, 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.

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

  5. You will not be eligible for this Promotion if you:

a) are seeking a quote for, or renewing, a policy that has either expired or been cancelled by us for non-payment (or any other reason that may cancel your policy) within the three months before or during the Promotional Period; or

b) the home, contents, motor vehicle, and property insurance risk in relation to which the policy is being purchased is based outside the Auckland region; or

c) have an existing AA Insurance Motor policy that is cancelled either by you or by us within the three months before or during the Promotional Period and a new policy insuring the same vehicle is purchased within the Promotional Period. 

  1. Application for cover is subject to underwriting acceptance. Only policies underwritten by AA Insurance are eligible for participation in the Promotion.

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

  3. 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.

  4. Policy cover with AA Insurance is subject to our standard underwriting conditions. Policy conditions apply on any insurance claim and an excess usually applies. Click here for full policy and benefit terms and conditions.

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


  1. By taking part in this Promotion and taking out a new policy with AA Insurance, AA Insurance will collect your and any joint policyholder’s personal information. Your personal information will be held by us in accordance with our privacy policy which can be accessed online [here](/privacy). Any request to access or correct your personal information should be directed to AA Insurance Limited, Level 4, AA Insurance House, 46 Sale Street, Auckland or by calling 0800 500 216.