AA Insurance NZ Review (2025): Does It Deliver For Kiwis?

Who is AA Insurance?

AA Insurance is a well-known New Zealand insurer founded in 1994 as a joint venture between the New Zealand Automobile Association (NZAA) and Vero Insurance New Zealand, which is part of the Australian-based Suncorp Group. It operates independently in New Zealand, underwriting its own policies and selling directly to customers nationwide. AA Insurance’s New Zealand-based teams look after 560,000+ customers with more than 1,100,000 policies. With a long-standing presence, a strong customer service focus and an AA- (very strong) financial strength rating from Standard and Poor’s, AA Insurance is recognised as one of New Zealand’s major providers.

What Types of Insurance Does AA Insurance Offer? 

AA Insurance offers a comprehensive range of insurance products in New Zealand, catering to individuals, households, and businesses seeking reliable protection. As one of the country’s well-known insurers, AA Insurance offers core policies, including car, home, contents, landlord, and renters insurance, as well as small business cover for Kiwi operators. The insurer also offers a variety of vehicle-related policies, including motorcycle, classic vehicle, caravan, motorhome and trailer insurance. In addition to general insurance, AA Insurance expands its products range to include life, health, pet and travel insurance, offering customers multiple options depending on the type of coverage they are seeking. 

AA Insurance’s full range of policies includes:

Up next, we take a closer look at AA Insurance’s key policies to help you compare cover, understand what each product includes and see how AA Insurance stacks up against other insurers in the New Zealand market.

AA Car Insurance

AA Insurance offers a dedicated range of car and vehicle insurance options for New Zealand drivers, with three levels of cover designed to suit different needs and budgets. Their policy options include:

Comprehensive Cover (most popular): 

AA Insurance’s highest level of cover. It protects your vehicle from accidental damage, theft, vandalism and fire, and covers damage you cause to someone else’s car or property. Comprehensive cover also provides full cover for damage caused by an uninsured third party. The policy also includes excess free keys and locks, towing, storage, transport and agreed value. Optional benefits include excess free glass cover and rental cover, which provides a subcompact rental car to keep you on the road while your vehicle undergoes repairs. You’re covered until this benefit until your car is fixed or your claim is settled.

Third Party Fire & Theft:

Covers your vehicle if it’s stolen or damaged by fire and provides third-party liability if you damage someone else’s vehicle or property. This policy also covers damage caused by an uninsured third party (up to $4,000) when you’re not at fault and can provide the correct details of the other driver. It includes towing, storage, and transport for accepted claims, offering agreed value. Excess free glass cover is available as an optional extra.

Third Party only: 

Covers damage you cause to someone else’s vehicle or property. It does not cover damage to your own vehicle or include agreed value, but it does provide up to $4,000 of cover for uninsured third-party damage when you’re not at fault and can provide the required details.

AA Insurance continues to be recognised for its performance, retaining its Outstanding Value Award for 2025 and maintaining its Car Insurance Claims Satisfaction Award. Canstar's latest ratings show strong results across different driver profiles, with AA earning five stars for drivers aged 25-29 and 5 stars for drivers aged 30-49.

Key Features Across All Car Insurance Policies include:

• One event, one excess: If a single incident affects multiple AA Insurance policies you hold, you’ll only pay one excess, the highest applicable one.

• Lifetime Repair Guarantee: Repairs completed through AA Insurance’s approved Quality Repairer Network are guaranteed for the life of the vehicle, even if you sell it.

• Quality Repairer Network: AA Insurance collaborates with a nationwide network of trusted repairers to process accepted claims.

The AA Insurance website (accessed November 2025) provides a clear comparison of damage and loss features, as well as additional benefits, across its three car insurance policies, as shown in the table below. 

How Much Does AA Car Insurance Cost in 2025?

Let’s take a look at how much AA Insurance quotes for comprehensive car insurance cover for a 2017 Toyota Corolla and 2020 Toyota Corolla. The quotes below were generated based on:

• 35 year old male

• No history of car insurance claims in the last 3 years 

• No history of driver licence suspensions, cancellations, disqualifications or restrictions in the last 3 years

Here’s how much AA Insurance costs based on quotes for Auckland, Wellington and Christchurch.

Here are the quotes for the 2020 Toyota Corolla using the same profile as above.

Beyond car insurance, AA Insurance also offers protection for your home and belongings. AA Insurance’s home and contents insurance can either be purchased separately as home insurance or contents insurance, or combined together into one convenient home and contents insurance package.

AA Home and Contents Insurance Package

AA Insurance’s Home and Contents Insurance Package combines both home and contents protection into one convenient policy, giving New Zealanders a simple way to safeguard their property and belongings under a single plan. It’s designed for flexibility, convenience, and peace of mind, helping customers stay protected from everyday risks like fire, theft, flood, and accidental damage.

How AA House and Contents Insurance Package Compares to other House and Contents Insurers

When comparing AA Insurance to other major home and contents providers in New Zealand, several key differences become apparent. Based on Quashed’s market scan, which compares five insurers, AA offers a range of policy features that vary in scope and limits compared with AMI, State, Tower and Inito. These features influence the overall protection AA provides and help highlight where its cover may offer advantages over other insurers.

Replacement cover

AA Insurance stands out in Quashed’s market scan comparison for being the only insurer offering replacement cover as part of its home and contents insurance package, excluding natural hazard events. This means AA Insurance can repair or rebuild your home even if the cost exceeds your sum insured, within policy limits.

In contrast:

• AMI and State: Replacement cover is only available as an optional add-on for fire-related claims.

• Tower and Initio: Does not offer replacement cover; all rebuilds are capped at the sum insured.

For natural hazard events such as earthquakes, floods, or landslides, cover is provided by the Natural Hazards Commission (NHC) through Natural Hazards Cover (NHCover). The premium you pay to AA includes this NHC component. If your home is damaged by a natural hazard and the NHC accepts your claim, AA will top up the remaining amount up to your full sum insured, helping you recover and rebuild faster.

Renovation / Minor Alteration Cover

Renovating your house? AA Insurance stands out for its high renovation and minor alteration allowance under its home and contents insurance package, providing cover for unfixed building materials and renovation work valued up to $75,000.

In comparison:

• AMI, State, and Initio: Cover up to $10,000

• Tower: Covers up to $50,000

This generous limit helps reduce the risk of being underinsured during renovations and provides greater flexibility for homeowners planning upgrades or structural improvements.

One Event, one excess

AA Insurance’s “one event, one excess” benefit means that if one incident leads to multiple claims, such as damage to both your home and car, you’ll only need to pay one excess, specifically the highest applicable one. This feature applies to all AA personal insurance policies, making it more straightforward and more affordable for customers who bundle their cover. For example, if both your home and contents get damaged in a single event like a fire, you’ll only pay one excess instead of two.

It’s a small but valuable benefit that can save time and reduce costs when you’re managing multiple policies with AA Insurance.

Optional Extras for AA Insurance’s Home and Contents Insurance Package 

• Excess free hearing aid cover: Removes the excess payment if your claim only involves hearing aids.

• $100 excess on eyewear: Lowers your excess to $100 for claims on spectacles, sunglasses, or contact lenses.

• Excess free glass cover: Removes the excess for claims solely involving accidental glass damage to windows, doors, or built-in furniture.

How Much Does the AA Home and Contents Insurance Package Cost in 2025?

For all of the quotes below, the selected policy:

• Did not include an alarm system

• Had no home or contents insurance claims in the past three years

• Selected the comprehensive level of contents cover, protecting against accidental loss or damage, theft, burglary, and major events such as fire, storm, flood, or natural hazards

• Excluded optional extras such as excess free glass cover, excess free hearing aid cover, and the $100 excess on eyewear option

Here are quotes for AA Insurance Home & Contents Insurance Package for a $700,000 sum insured (rebuild cost) across Auckland, Wellington, and Christchurch with a building excess of $500. 

Here are the quotes for AA Home & Contents Insurance Package for a $700,000 sum insured (rebuild cost), across Auckland, Wellington, and Christchurch with a building excess of $1,000.

AA Home Insurance 

AA Home Insurance provides comprehensive protection to help New Zealand homeowners recover from unexpected damage caused by events such as fire, theft, storms, floods, and earthquakes. Designed to give peace of mind, this policy ensures your home, often your most valuable asset, is well-protected from both everyday risks and major natural hazards.

Key Features of AA Home Insurance include:

• Cover for the unexpected: AA helps you recover from natural hazards and other damage to your home, offering support and financial protection when you need it most.

• Natural hazard and replacement cover: Covers damage caused by earthquakes, landslides, volcanic activity, tsunamis, and related fires. Under AA’s Replacement Cover benefit, your home can be fully repaired, rebuilt, or replaced even if costs exceed your sum insured (within policy limits).

• Accidental and weather-related damage: Protects against accidental loss and sudden events like burst pipes, storms, or flooding, ensuring that your home can be restored to its previous standard.

• Cover for minor renovations: AA Insurance protects unfixed building materials and renovation projects valued under $75,000, so you stay covered while improving your home. AA Insurance offers a generous amount, Tower Insurance provides a maximum cover of $50,000 (with premium cover) for minor renovations. 

• Legal liability protection: Covers your legal liability (up to $2,000,000) if you accidentally damage someone else’s property or cause injury in connection with your home. 

Optional Extras

• Excess free glass cover: Removes the excess payment for claims solely involving accidental glass damage to windows, doors, or built-in furniture.

How Much Does AA Home Insurance Cost in 2025?

Here are quotes for AA Home Insurance for a $700,000 building sum insured (rebuild cost) property across Auckland, Wellington and Christchurch.

AA Contents Insurance

AA Contents Insurance helps protect your personal belongings from unexpected loss or damage, whether you’re at home or away. Whether you rent, own, or live in a flat, this policy provides cover for events such as fire, theft, flood, and other insured risks. AA Insurance offers two levels of contents cover, providing Kiwis with the flexibility to match their needs and budget. These options include Contents Insurance, AA’s most comprehensive cover, and Limited Contents Insurance, which focuses on essential protection at a lower cost.

While some insurers offer only a single standard contents-only policy, such as AMI’s contents plus, MAS’s contents policy, or FMG’s household contents cover, AA’s two-levels of contents cover provides customers with more options.

Contents Insurance

AA  Comprehensive Contents Insurance offers extensive protection for your belongings both inside and outside the home. It covers accidental damage, along with loss or damage caused by burglary, fire, storm, flood, and natural hazards.

The policy also includes New Zealand-wide cover, meaning your belongings are protected at home and on the road, wherever you are in the country. AA also extends protection to family members in rest homes (up to $10,000 per person per event, where theft involves forced entry) and children living away at boarding school or tertiary study under specified policy limits.

Optional extras include:

• Excess free hearing aid cover

• $100 excess on eyewear

• Accidental damage cover for mobile phones, laptops, and tablets (though comprehensive cover already applies this protection).

Limited Contents Insurance

AA Limited Contents Insurance provides essential cover for Kiwis wanting core protection at a lower cost. It includes cover for burglary, fire, storm, flood, and natural hazard events, as well as legal liability cover if you accidentally damage someone else’s property.

It also offers New Zealand-wide cover for loss or damage from burglary, fire, storm, flood, or natural hazard, except for items for which you have selected optional cover. Optional extras available with this policy include coverage for accidental damage to mobile phones, laptops, and tablets. 

The AA Insurance website (accessed November 2025) provides a clear comparison of core insurance protection, peace of mind and going the extra mile benefits across its two contents insurance policies, shown in the table below.

Both Contents and Limited Contents policies include:

• Temporary accommodation cover of up to $20,000 if your home becomes uninhabitable after an insured event.

• New for old replacement, meaning AA replaces your damaged, stolen, or lost items with new or equivalent items of the same value.

• The one event, one excess benefit, so if a single incident affects multiple AA policies, you’ll only pay one excess, the highest applicable one.

How Much Does AA Contents Insurance Cost in 2025?

To provide a clear indication of pricing, the following sample quotes were generated using consistent criteria, including:

• The policy selected was Contents Insurance (the more comprehensive cover), 

• No optional extras added

• No alarm was selected under security features

• The claims history indicated that no one covered by the policy had made a home or contents insurance claim within the past three years

Here are quotes for AA Contents Insurance for a $60,000 sum insured across Auckland, Wellington and Christchurch. 

Here are quotes for a $100,000 sum insured across Auckland, Wellington and Christchurch. 

AA Health Insurance (Partner Product)

AA partners with nib New Zealand to offer AA Health Insurance, providing customers with access to flexible, high-quality private health cover. AA Health Insurance offers three plans, each delivering a different level of cover to suit a wide range of budgets and healthcare needs:

• Everyday: The most affordable option, helping with day-to-day healthcare expenses such as GP visits, dental care, physiotherapy, and prescriptions.

• Private Hospital: Provides coverage for major treatments, surgery, and diagnostic tests in private hospitals, helping to reduce wait times.

• Private Hospital & Specialist: the highest level of cover, including specialist consultations, advanced diagnostics, and private hospital care.

AA Health Insurance is highly rated by New Zealanders. In 2025, Canstar awarded AA Health Insurance the Most Satisfied Customers Award, marking the fourth time the brand has claimed the top spot in this category. AA earned 5-Star ratings across all six award categories, including Overall Satisfaction, Value for Money, and Quality of Service, reflecting strong confidence and positive experiences from its policyholders. 

The Pros and Cons of AA Insurance

Pros:

• Strong financial backing: 

Backed by Vero Insurance New Zealand, part of the Suncorp Group, AA Insurance benefits from strong financial stability and a nationwide network of repairers. 

• Full range of cover for car and contents insurance:

AA Insurance offers multiple levels of cover across its core products, including three types of car insurance (comprehensive, third party fire & theft, and third party) and two levels of contents insurance. This provides customers with the flexibility to choose the protection that best suits their needs and budget.

• Customer service:

AA Insurance has a strong reputation for delivering excellent customer service, managing all support and claims in-house to provide a smooth and consistent experience. They also offer 24/7 claims support, providing customers with reassurance and assistance whenever needed.

• One event, one excess

AA Insurance charges only one excess when a single event affects more than one of your policies. For example, if the same incident damages both your house and your car, you’ll only pay the excesses that are payable under one policy, specifically, the policy with the highest total applicable excess. This feature reduces your costs and simplifies the claims process. 

Cons:

• Only one level of cover for Home Insurance:

AA Insurance also provides just a single level of cover for standalone Home Insurance. In contrast, insurers such as AMP offer more than one level of house insurance, and Tower provides three levels of house cover. This allows customers to choose a cover that better suits their budget or property needs.

• Pricing can be less competitive compared to other insurers:

AA Insurance premiums can be higher than those of some other insurers, particularly lesser-known insurers, depending on your location, claims history, and risk profile. This may make other insurers a more preferred choice for some customers.    

Verdict: A Strong Choice for Car, Contents and Health Insurance

AA Insurance stands out as a reliable and well established provider in New Zealand, particularly in the areas of car, contents and health insurance. Their car insurance performs strongly across key customer groups, with excellent ratings for drivers aged 25-29 and 30-49, who receive some of the best value and satisfaction ratings based on Canstar’s 2025 data. With solid policy benefits and a long-standing reputation, AA remains a popular option for many New Zealand drivers.

AA Health Insurance is another area where the brand excels. Offering three clear levels of cover, AA recently won Canstar’s Most Satisfied Customers Health Insurance Award 2025, reflecting outstanding performance across value for money, customer support and overall satisfaction. For New Zealanders comparing health insurance, AA is a proven and highly rated choice.

Overall, if you’re looking for high-quality car or contents insurance, or a top-rated health insurance provider, you should definitely consider AA Insurance. To see how AA Insurance compares against other insurers in minutes, try Quashed. This free website lets you compare personalised quotes quickly and easily, and save hundreds, sometimes thousands, of dollars.

Further reading 

Here are some great reads we've selected for you:

• AMP Insurance NZ Review (2025): What You Need to Know: Get an in-depth review of AMP’s car insurance offering in NZ, including features, pricing and value

• Cove Insurance NZ Review (2025): Is It Worth It?: An honest evaluation of Cove’s car insurance cover in New Zealand: strengths, weaknesses and whether it’s worth your premium.

• The Average Cost of Car, House, and Contents Insurance in New Zealand: Discover what Kiwis typically pay for car, house, and contents insurance across New Zealand.

• Ultimate NZ Guide to House Insurance (2025): Compare & Find the Best and Cheapest Cover: A simple, practical guide to house insurance types, how much to insure for and how to choose the right policy in New Zealand.

• 2025 Toyota Car Insurance Costs in NZ: What You Must Know: A focused look at what owners of Toyota vehicles should expect to pay for car insurance in 2025.