Direct insurer
AA Insurance
The default mainstream choice. Joint venture between the AA and Suncorp; reliable, well-known, mid-pack on price.
- Distribution
- Direct insurer
- Years in NZ
- Since 1994
- Cover types offered
- 3
- Region availability
- Nationwide
- Indicative premium
- $95–$160/mo for comprehensive on a 2018-ish hatch in Auckland
Editorial
What AA Insurance is, in plain English
AA Insurance is the option most kiwis end up with by default — partly because of the AA membership halo, partly because their renewal experience is famously low-friction. They sit mid-pack on premium bands for comprehensive cover and don't usually win head-to-head price comparisons, but they're consistent on claims handling and rarely the source of nasty surprises. If you value 'just works' over the absolute lowest premium, AA is a sensible default.
Good at
- Multi-policy bundling with home and contents
- AA member discount stacking with no-claim history
- Renewal price stability — fewer 'silent' renewal hikes than market average
Not so good at
- Rarely the cheapest if you're under 30 in Auckland
- No agreed-value option on older cars
Cover types AA Insurance offers
The shapes of cover available, in order of premium.
Comprehensive cover
$70–$160/mo on a 2018-ish hatch, mid-30s driver, mid-loading regionThe full one. Pays for damage to your car, their car, and almost everything else. Highest premium, broadest cover.
Third-party property
$25–$70/mo on a typical carThe minimum. Pays for damage to other people's cars and property if you cause a crash. Nothing else.
Third-party fire & theft
$45–$110/mo on a typical carPays for damage to other cars, plus theft and fire of yours. Doesn't pay for crashes you cause to your own car.