⭐⭐⭐⭐

Rating from CANSTAR

Our Take

AA Insurance is consistently ranked among New Zealand’s top car insurance providers. Known for excellent customer service, strong claims handling, and competitive pricing, AA Insurance offers reliable coverage and peace of mind for everyday drivers. It’s a great fit for those seeking a balance of affordability and quality service.

👍 Pros

• Excellent claims satisfaction and customer service.
• Winner of multiple Canstar and Reader’s Digest awards.
• Online quotes and claims tracking available.
• High no-claims discounts and loyalty perks.
• Roadside Assistance available as add-on or part of AA Membership.

👎 Cons

• No usage-based (telematics) pricing models.
• Fewer discounts than some competitors for bundled policies.

AA Insurance Car Insurance Review

Insurspy rates AA Insurance 4.6 out of 5. Its comprehensive cover is among the most popular in New Zealand, offering protection for accidents, theft, natural disasters, and more. Customers consistently highlight smooth claims processes and friendly support staff.

AA Insurance provides Third Party, Third Party Fire & Theft, and Comprehensive policies. The company is jointly owned by the NZ Automobile Association (AA) and Suncorp Group, giving it strong financial backing and local expertise.

Is AA Insurance a Good Car Insurance Company?

Yes. AA Insurance is one of the most reputable and awarded providers in New Zealand. It suits both cautious and everyday drivers, especially those who value efficient service, straightforward policies, and local support.

How Much Does AA Insurance Cost?

Premiums depend on driver age, vehicle type, usage, claims history, and location. AA Insurance tends to be competitively priced for standard-risk drivers.

AA Insurance Discounts

• No-claims bonus (up to 65%).
• AA Member discount.
• Loyalty discount for long-term customers.
• Multi-car discounts.
• Annual upfront payment discount.

Coverage Options

• Third Party Only
• Third Party, Fire & Theft
• Comprehensive

Optional Add-ons:

Rental vehicle, roadside rescue, windscreen cover, key/lock replacement, preferred repairers.

Industry Ratings

• Canstar: 4-star award winner
• Reader’s Digest Most Trusted Brand (13+ years)
• AM Best: A+ (via Vero)

Customer Reviews

4.4 / 5 (32,296 Reviews)

⭐⭐⭐⭐⭐ – 68%
⭐⭐⭐⭐ – 16%
⭐⭐⭐ – 4%
⭐⭐ – 2%
⭐ – 10%

Contact Information

• Customer Service: 0800 500 231
• Claims: 0800 500 216
• Website: www.aainsurance.co.nz
• AA Roadside Assistance: 0800 500 222

FAQ

• Is AA Insurance good for new drivers? Yes, especially with no-claims or AA membership.
• How to file a claim? Online, app, or call 0800 500 216.
• Agreed value available? Yes — agreed or market value options available.

Methodology

Based on real-world customer ratings, industry benchmarks, claims performance data, and financial strength indicators, Insurspy updates these scores annually to ensure accuracy.