If you are thinking about getting AA Car Insurance but trying to see if it’s the right fit for you, you’re in the right place. We’ve gone ahead and found all the information you need to know about AA Car Insurance and put it all together in this article.
New Zealand’s population is constantly growing, and so are the number of cars that are on the road. With over 4 million vehicles now registered in New Zealand, it’s vital to have adequate car insurance in case an accident happens.
There are a number of Insurance companies in New Zealand, each with their own benefits, restrictions and terms. AA Car Insurance tends to be one of the most successful, brought popular by their AA Roadside Assistance service and TV advertising to go with it.
They are also very competitively priced compared to other Car Insurers, so choosing AA is always a good decision.
About the AA
The Automobile Association (AA) was founded in 1903 and serves over 400,000 motorists in New Zealand. They provide not only car insurance, but home insurance, finance, maps and travel guides.
The AA is governed by a National Council, a Board and also has 17 districts councils throughout the country.
What are AA's Car Insurance Policies?
At the time of writing this article, AA Car Insurance has three different policies.
- Comprehensive Insurance
- Third Party, Fire and Theft Insurance
- Third Party Only Insurance
There are also specialised policies for the following vehicles.
- Motorcycle Insurance
- Classic Vehicle Insurance
- Caravan Insurance
- Trailer Insurance
- Motorhome Insurance
What Does AA Comprehensive Car Insurance Include?
The Comprehensive Car Insurance policy includes the following terms:
- Agreed Value – The amount you agree to insure your car for upon opening the policy. This is the amount you’ll get paid if your car can’t be repaired or gets stolen
- Damage to your own car and other people’s property – If your car is in an accident or is stolen, they will repair it or pay you the agree value to replace it. If there’s damage to someone elses car, they’ll pay up to $20 million if you’re liable for the costs.
- Lifetime Repair Guarantee – When your car is repaired through AA, they’ll guarantee the repairs for life, even if you sell it.
- Towing, storage and transport – If you have an accident and the car can’t be driven, AA will pay to tow your car to the nearest safe place to store, and organise transport for you and your passengers home.
Optional extras
- Excess- Free Glass Cover – This waives the excess fee for any glass repairs if only glass repairs are needed
- Rental Cover – Rental cover will allow you to be provided with a rental car while your car is getting repaired.
What Does the AA Third Party, Fire and Theft Policy Cover?
The Third Party, Fire and Theft Insurance Policy includes the following terms:
- Agreed Value – The amount you agree to insure your car for upon opening the policy. This is the amount you’ll get paid if your car can’t be repaired or gets stolen
- Cover for fire damage and theft. If you car catches fire or gets stolen, AA will pay up to your Agreed Value to repair or replace it.
- Damage to someone else’s property. If your car has an accident with someone else’s car or property, the AA will pay up to $20 million if you’re liable for the costs
- Uninsured accident cover – If you’re in an accident with another vehicle and that vehicle isn’t insured, the AA will pay for the repairs for your car up to $4000.
Optional extra
- Excess-Free Glass Cover – This waives the excess fee for any glass repairs if only glass repairs are needed
What Does the AA Third Party Insurance Cover?
The Third Party Insurance Policy includes the following terms:
- Damage to someone else’s property. If your car has an accident with someone else’s car or property, the AA will pay up to $20 million if you’re liable for the costs
- Uninsured accident cover – If you’re in an accident with another vehicle and that vehicle isn’t insured, the AA will pay for the repairs for your car up to $4000.
What Doesn't AA Car Insurance Cover You For?
Like most of Car Insurance Policies in New Zealand, they don’t cover you for:
- Mechanical issues that you may face,
- When you’re breaking the law in any way
- If you’re using your vehicle for commercial purposes.
Why Go With AA Car Insurance
According to their website, AA has been voted as New Zealand’s most trusted Insurer for 9 years in a row. They have also been awarded the Gold Award for the Readers Digest Quality Service Award which they’ve won for 6 years in a row now.
On top of that, they’ve won the Direct General Insurance Company of the year in 2019 and have won other awards in their field.
It’s safe to say, if you’re looking for a reliable Car Insurance company, then AA Car Insurance could be one of the best options for you.
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