AA Insurance — Car Insurance Review
3 cover tiers from AA Insurance Limited (NZ Automobile Association / IAG NZ JV) · aainsurance.co.nz
Last refreshed 2026-05-20 · Data source: Supabase insurance.
Underwriter and distribution
Joint venture between IAG New Zealand (68%) and the New Zealand Automobile Association (32%). Direct-to-consumer.
One of the largest direct motor insurers in New Zealand. AA member benefits apply for AA members. Offers agreed-value and market-value options on Comprehensive.
Cover tiers offered
NZ motor insurance is sold in three standard tiers. AA Insurance offers 3 of them. Premiums vary by vehicle, driver age, no-claims history, location and excess — get a quote for your situation.
Comprehensive
Covers damage to your own vehicle (accident, fire, theft, malicious damage, natural disasters), damage to other people's property, plus standard inclusions like windscreen, towing, and rental car. Highest cover, highest premium.
View AA Insurance policy wording ↗Third Party, Fire & Theft
Covers damage to other people's property if you cause an accident, plus fire and theft of your own vehicle. Does NOT cover accident damage to your own vehicle.
View AA Insurance policy wording ↗Third Party
Covers damage to other people's property if you cause an accident. Does NOT cover any damage to your own vehicle. The minimum sensible cover for a car driven on NZ roads.
View AA Insurance policy wording ↗Products and policy wordings
AA Insurance publishes one consumer motor policy. We've ingested the current wording — every fact on this site is sourced from it.
AA Insurance — Car Insurance
3 tier wordings- Comp Effective 2025-04-28 · confidence: inferred · source PDF ↗
- TPFT Effective 2025-04-28 · confidence: verified · source PDF ↗
- TP Effective 2025-04-01 · confidence: verified · source PDF ↗
Cross-insurer matrices on `/topics/*` use the flagship product's wordings. Browse the matrices to compare this insurer's facts against the rest of the NZ motor panel.
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