A circular puzzle featuring home, car, and contents.

Bring it together. Keep it simple.

The best part about bringing your car, home, and contents policies together with us is knowing AA Insurance has your back.

Get cover today

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One event, one excess - If you ever have to claim on more than one AA Insurance policy for the same event, you only have to pay one excess - the highest applicable one.

Multi Policy Discount - If you take out more than one eligible insurance policy with us, you can qualify for a Multi Policy Discount. Depending on when you take out the policies, your discount will be applied from the start date of a new policy or at the renewal of an existing policy.

Illustrated lounge in blue and yellow

New for old replacement for most of your items that are stolen or damaged beyond repair. So if someone did take off with your definitely-seen-better-days-couch, we'd replace it with a new one.

Nationwide cover for your contents at home and on the road within New Zealand.

illustration of a home in blue with a yellow car in the park

Replacement cover so in any event other than a natural disaster, we'll fully repair or rebuild your home even if it costs more than you insured it for.

Temporary accommodation for you and your family (and even your pets) if you can't live in your home because of an event that's covered by your policy.

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Lifetime repair guarantee so when we fix your car it stays fixed. We stand behind all repairs carried out by our approved repairers and we guarantee parts and workmanship for the life of the car.

Agreed value so together, we'll work out what your car is worth, so you know exactly what we'll pay if it's written off or stolen.

Award-winning customer service

Canstar's Home & Contents Insurer of the Year

Canstar 2023 award for insurer of the year, home and contents

We take great pride in protecting the things that matter to New Zealanders so this recognition of our products and service offerings means the world to us. Canstar uses a robust rating methodology that compares cost and features across home and contents policies as well as customer satisfaction to determine these awards.

New Zealand’s Most Trusted General Insurer

Reader's Digest Winner Trusted Brand for general insurance 2011 - 2023

We care about our customers and do our utmost to help when the unexpected happens. Thanks for voting us New Zealand's Most Trusted General Insurer in the Reader’s Digest Trusted Brands survey for thirteen years running.

Ways to save

Multi Policy Discount

Take out more than one eligible insurance policy with us and you may be eligible for a Multi Policy Discount. Depending on when you take out the policies, your discount will be applied from the start date of a new policy or at the renewal of an existing policy. If you're not sure you're eligible, or if you're a Small Business Insurance customer, please contact us and one of our friendly consultants will talk to you through your own unique situation.

One excess per event

At AA Insurance, if you have an accident which impacts more than one policy you have with us, you'll only pay the total excess payable under one policy - the highest applicable. So, if your car gets stolen with your handbag in it, leading you to claim on your car and your contents policies, you will only need to pay one excess.

AA Member discount

We offer an AA Member discount on annual insurance premiums for most policies. The discount you receive will depend on how long you have been a personal AA Member. Simply provide your personal membership number each time you take out or renew an eligible policy.

We’re here to help

Have you checked out our Customer Hub? You can view our customer competitions and useful information all in one place.

We set out to rewrite our policies in plain language to ensure our customers could easily read and understand their insurance. Working with Write Limited, we’re proud to now hold the WriteMark Plus on our personal insurance policies.

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Insurance terminology can be confusing. We’re here to make things easier, with guides to help you navigate your insurance, understand key terms, and let you know what you can expect at claim time.