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Why choose AA Insurance

We put our customers' needs first and pride ourselves on working with them to eliminate stress and uncertainty. And the independent awards we've won endorse just that.

If you're choosing between insurance companies, talk to the one Kiwis choose.

Easy, stress-free claims

  • Our dedicated Customer Managers will look after your claim and keep things on track.

  • Our Customer Service Centres can manage your car repairs from start to end.

  • We can provide you with temporary accommodation if your home becomes uninhabitable due to loss that is covered by the policy, or covered entirely by the Earthquake Commission.

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Customer Managers

If you need to make a claim our Customer Managers will take care of it from start to finish. They’ll keep you fully informed, making sure things stay on track and hassle-free.

Customer Service Centres

Our Customer Service Centres are designed to get you back on the road quicker. We take care of everything in the one place to reduce your stress and make the whole repair process smooth and painless. Our Customer Service Centres are available exclusively for AA Insurance customers in the Auckland and Hamilton areas.

Quality Repairer Network

We have a nationwide group of repairers who we trust and recommend to repair your car. By using our repairer network you can be assured that any repairs to your car will be guaranteed for life, even if you sell your car.

Temporary Accommodation

We will cover reasonable alternative accommodation for you, any family members living with you and your domestic pets if your home becomes uninhabitable due to loss covered by your policy or covered entirely by the Earthquake Commission. (Cover is limited to $20,000 and a maximum of 12 months.)

In the event of an earthquake or tsunami covered by this policy, or covered entirely by the Earthquake Commission, at our discretion we may extend the 12 month limit and pay up to $40,000 for temporary accommodation.

Savings on your premium

  • Take out more than one eligible insurance policy with us and you'll 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. If you're not sure you qualify, 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.

  • AA Members can get exclusive discounts. Simply provide your personal AA Membership number each time you take out or renew an eligible policy. Find out more about discount terms and conditions, and what you need to do to receive them, at

Flexible cover with added benefits

With our car, home, contents and small business insurance you can choose the level of cover and optional extras you want, to get the best insurance cover for your needs and budget. Plus, we provide extra benefits to help keep you protected and get back to normal as quickly as possible if you do need to make a claim.

  • Choose from different excess options – a higher excess means a lower premium.

  • We'll guarantee repairs from our car repairer network for the life of your car.

  • We’ll discuss your options with you so you can decide what type and level of cover you need.

Award winning insurer

  • Kiwis have voted us Reader's Digest 'Most Trusted General Insurer' for eleven years running.

  • We’ve been recognised in the Reader’s Digest Quality Service Awards for both Car Insurance and Home & Contents Insurance since 2015. This is the seventh consecutive year we have won gold for Car Insurance.

AA Membership Insurance discounts

  • AA Members can get exclusive discounts with AA Insurance.

  • The longer you've been a Member, the higher the discount.

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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.

The table and information below provide a summary of AA Member Discounts exclusive to AA Members.

AA Member Years

1 to 4






5 to 9






10 to 14












See our full terms and conditions for other important information, exclusions and limitations.

Looking for more?

Thats what we're here for. Here are just some of the ways we're looking to offer you more and make your life easier.