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Comprehensive Car Insurance

Looking for a car insurance comparison? Get a Comprehensive car insurance quote from New Zealand’s Most Trusted General Insurer. Live a little freer with AA Insurance.

Voted Most Trusted General Insurer* by NZers for 11 years running

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Comprehensive Car Insurance Policy Benefits:

  • Agreed Value

    Your Agreed Value is the amount we agree to insure your car for when your policy begins and at each renewal.

    We'll pay you your Agreed Value if your car can't be repaired or is stolen.

  • Damage to your own car and other people’s property

    If your car is accidentally damaged, or is stolen, we’ll repair it or pay you your Agreed Value to replace it.

    If your car accidentally damages someone else’s car or property, we’ll pay up to $20million if you’re legally liable for the costs.

  • Lifetime Repair Guarantee

    When we repair damage to your car, we guarantee the repairs for the life of your car, even if you sell it.

  • Towing, storage and transport

    If you have an accident and your car is not able to be driven, we’ll pay to tow your car to the nearest place of safety, store it there, and get you and your passengers home.

  • Customer Service Centres*

    Exclusive to AA Insurance! A one-stop shop that will help you get back on the road again as quickly as possible.

    *Auckland and Hamilton only

  • Quality Repairer Network

    We have a select network of skilled repair specialists who meet the highest quality standards for work and service.

    We choose the best repairer for the job, the one with the most suitable equipment and expertise for your car. Plus we stand behind all their work with our Lifetime Repair Guarantee.

Optional extras

  • Excess-Free Glass Cover

    By adding Excess-Free Glass Cover, you won’t have to pay an excess if your claim is only for accidental damage to your windscreen or windows.

  • Rental Cover

    By adding Rental Cover, you’ll be provided with a rental car to keep you on the road while your car is being repaired.

This page is only a summary of key benefits, and application for cover is subject to underwriting acceptance. For full details, exclusions and limitations, please read the policy document.

Ready to get started?

Getting a quote only takes 5-10 minutes.

What makes us different?

  • Personal Customer Managers

  • 24 hour claims support

  • Always speak to a real person

  • NZ based call centre

Tailored to you

We offer three levels of car insurance, so you can get the best cover for your needs and budget - ComprehensiveThird Party, Fire & Theft, and Third Party

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Frequently asked questions

If you can't find the answer you're looking for, please contact us.

*As voted by consumers 2011 – 2021 in the Reader’s Digest Trusted Brands survey. For more information visit