AA Contents Insurance

A joint venture between the NZAA and Vero Insurance, AA have provided insurance products to Kiwis nationwide since 1994. They boast over 430,000 customers, and have a financial strength rating of A+, allowing them to be voted as Reader’s Digest Trusted Brands survey’s ‘Most Trusted General Insurer’ award for ten years running. AA Contents Insurance is a reliable policy you can count on to protect your possessions from theft, loss, or damage.

aa contents insurance

Why choose AA Home and Contents Insurance in NZ?

AA Home and Contents insurance offers a variety of product tiers to help safeguard your home and belongings at any budget. While it offers two main policies when it comes to contents insurance, the following benefits are consistent across their offers:

  • Personal Customer Managers
  • 24 hour claims support
  • A real person will answer your queries, and not bots
  • NZ-based call centre

Other benefits include:

  • One event, one excess - Pay only the highest applicable excess when you have an accident while having more than one policy with AA.
  • Multi-policy Discount - Discounts will be applied from the start date of a new policy, or upon renewal of an existing policy should you have more than one eligible insurance with AA.
  • AA Member Discounts - These are dollar discounts given to AA members every year since they’ve been a member, helping them save on their premiums.
  • Excess Options - Choose a higher excess in return for lower premiums while only paying that excess once you make a claim!

Types of AA Contents Insurance policies NZ:

Contents Insurance

This is AA contents insurance’s most comprehensive cover, which keeps all your belongings protected from sudden unforeseen loss, theft, and accidental events. Benefits you receive under this policy are as follows:

New for Old

If they cannot repair a lost or damaged item, AA guarantees that they’ll replace them with a new one or the closest equivalent. Certain items like footwear, cosmetics, or clothing will be covered for their market value.

Excess-free cover for food spoilage

Get up to $1000 in cover for food spoiling should your fridge or freezer suddenly breaks down, or if your power supply was accidentally interrupted. No need to pay an excess if there was no other damage!

Business tools and professional equipment

Your business equipment is automatically covered under your AA Home and Contents Insurance in NZ, should you lack any additional business-specific insurance.

Adjustable event limits

While there’s no need to list individual items, you also need to give the total combined value for items like jewellery, cameras, bicycles, works or art, and business tools in order to help with this benefit.

Legal liability

This is for accidental damage you may cause to someone else's property for up to $2 million.

Optional Extras for Comprehensive Cover:

$100 Excess on Eyewear

You are given the option to reduce your excess for spectacles, sunglasses, or contact lenses to just $100 so long as there’s no damage to any other of your insured items.

Excess-free Hearing Aid Cover

With this optional add-on, you no longer need to pay any more excess for hearing aids, so long as there’s no damage to your other items

Limited Contents Insurance

This is AA’s basic contents cover. Still, it offers a lot of good benefits for those looking for coverage on a budget. Benefits include:

Cover for burglary, fire, storm, flood, or natural disasters

This is a standard cover for these specific incidents. For further coverage for incidents other than these, you may look into the more comprehensive cover.

New for Old

Same as their more comprehensive cover, AA home and contents insurance in NZ will find a new replacement for items beyond repair with some categories covered for market value.

Business tools and professional equipment

Your business equipment is covered for up to $2,500 per incident.

Adjustable event limits

While there’s no need to list individual items, you also need to give the total combined value for items like jewellery, cameras, bicycles, works or art, and business tools in order to help with this benefit.

Legal liability

This is for accidental damage you may cause to someone else's property for up to $2 million.

Optional Extras for Limited Contents:

Mobile Phone Cover

You can add-on this benefit to protect your phone from accidental damage, theft, or loss.

Laptop and Tablet Cover

Add cover to insure your laptops and tablets from accidental damage, theft, or loss.