AA Insurance Review
Read our AA Insurance review to discover whether this is the insurance brand for you. But first, click here to check if they currently have any discounts or promotions.
- Promoted Insurance Offer
- Join Cove & you’ll get one month free on your new insurance policy
- Quote & buy insurance online in as little as two minutes
- Your discount will automatically be applied on the payment page.
- Average Customer Rating: 4.9/5
- 100% online & made with love in New Zealand.
Important note about this AA Insurance Review
We’ve done our best to ensure this review accurately represents the products this brand offers, however we can’t guarantee the content is fully up to date and 100% accurate. The only place you will find that is on the brands official website and within their policy documents. Treat this guide as a starting point, and if you need clarification, certainty, or more information, you need to contact the insurance brand directly.
AA Insurance is widely regarded as one of the most trusted insurance companies in NZ. They are a household name, which is in part thanks to their relationship with the AA, which is best known for providing roadside assistance to New Zealanders.
AA Insurance is owned partly owned by Vero Insurance (68%) and the New Zealand Automobile Association (32%). In turn, Vero is owned by Suncorp group, one of Australia’s largest finacial services brand.
Although we try to avoid mentioning awards on Compare.org.nz, since smaller brands can’t often afford them, AA Insurance proudly showcases the numerous awards they have won and paid licencing fee’s for over the past few decades. These include awards from Readers Digest, Colmar Brunton, Consumer, and Canstar.
AA Insurance Review Summary
State is one of the more well known brands in New Zealand when it comes to the insurance industry. If you haven’t heard of them you’ve probably been living in a cave. As with most insurance companies in NZ, State has some skeletons in their closet, and a quick glance over the past 5 years news headlines will reveal these. However, they are also a trusted brand and thousands of customers have had a great experience with them. As part of writing this State Insurance review we’ve scoured the internet and noted down a few things to love about State, and a few things we don’t love so much. Check these out below…
Love…
- AA Insurance is viewed as a trusted grassroots Kiwi brand (despite being majority owned by a gigantic Aussie company)
- Live Chat is super responsive meaning you don't need to wait in line for an 0800 number
- Speaking of their 0800 number, it is normally answered immediately, by a real person, which is a nice change for an insurance company!
- Their is lots of good educational material on their website
- They have partnered with nationwide youth charity Blue Light to help support young New Zealanders.
Don’t love…
- You'll see a few bad-news stories if you dig deep enough (but you can say that for every insurance company)
We’ve summarised the main points of our AA Insurance review down into a few bullet points.
- They claim to insure over 440,000 New Zealanders, and look after over 880,000 policies
- AA Insurance was established in 1994 as a joint venture between GIO Australia, and the NZAA
- AA Insurance employs over 800 staff, and have won multiple best workplace awards
Bonus AA Insurance Reviews
For most insurance companies in NZ, you can find a tonne of reviews from customers around the web. Lucky for you, we’ve done the hard work and read dozen of AA Insurance reviews, and posted a small cross-section of comments below. We’ve tried to showcase a few positive reviews alongside some negative reviews. Every single insurance company will have a mix of both, so don’t let a few negative reviews put you off!
AA Insurance Reviews on Google
There are no reviews on Google.
AA Insurance on Discussions Forums
We've scoured Reddit and Trademe discussion forums (along with Geekzone and Gameplanet) to see what people are saying about AA Insurance. One user commented "Heard nothing but positive from AA insurance - great stable insurance company with good service . Haven't claimed but plenty of friends who have ". Another person added their two cents by saying "With the current state of TOWER Ï think your best bet is AA Insurance as at least its a joint venture between Suncorp and the AA. So you have AA to keep the Aussies honest".
AA Insurance Reviews on Feefo / Trust Pilot
We found their were only 6 AA Insurance reviews on Trust Pilot, which were all 1 star out of 5, which is definitely not a fair representation of them as a company. AA Insurance generally treats their customers exceptionally, so I assume this is just 6 customers that have been let down making their voice heard. The most recent AA Insurance review on Trust Pilot states the following: "Had an incident earlier this year. All I wanted was a piece of advice on what to do or how to go about it. As an insurance company, the least you could do is help the person understand their liability. Not just "oh that's not my problem" attitude. I thought I could trust them to help me understand what was going on my end. I took them as my first ever insurance provider because I trusted that when I do not understand things, they could help clarify but to my disappointment, they wouldn't offer you any assistance at all. One thing that they are good at for sure is pushing you away. I would not recommend them at all as an insurance provider."
Who is AA Insurance?
Super Quick AA Insurance Review
What do we love (and not love) about AA Insurance?
What are Kiwis Saying about AA Insurance?
Bonus AA Insurance Reviews
Cove Insurance Reviews on Feefo
There are also nearly 500 Cove Insurance reviews on independent reviews platform Feefo. Here Cove has an average rating of 4.7 stars out of 5. Recent reviewer Simon wrote "An awesome Customer experience, very fast process to purchase vehicle insurance online. And great responsive online chat support when required."
Common AA Insurance Questions
AA Insurance offers Comprehensive, Third Party, Fire & Theft, and Third Party Only car insurance policies.
Yes, Comprehensive car insurance from AA Insurance includes cover for windscreen repairs.
You can make a claim online through the AA Insurance website, via their app, or by calling their customer service team.
Yes, AA Insurance provides a no-claims bonus for drivers who haven’t made any claims.
The excess amount varies depending on your policy and circumstances, but it will be clearly stated in your policy documents.
Yes, AA house insurance covers natural disasters such as earthquakes and storms.
Yes, AA allows you to tailor your contents insurance to fit your specific needs.
Yes, AA Insurance offers discounts if you have multiple policies with them.
You can update your policy details online through your AA account or by contacting their customer service team.
Yes, AA Insurance often has special offers and discounts for new customers, which you can find on their website.
What Products does AA Insurance Offer?
AA Insurance offers a wide range of products designed to protect you, your home, and your belongings. Their car insurance includes Comprehensive, Third Party, Fire & Theft, and Third Party Only options, catering to different needs and budgets. AA’s house insurance ensures your home is protected against risks like fire, storms, and natural disasters, with benefits like temporary accommodation and coverage for additional structures. For personal belongings, AA’s contents insurance offers customizable coverage against theft, fire, and accidental damage. The policies are flexible, allowing you to adjust them to fit your specific needs. Customers appreciate AA’s user-friendly claims process and responsive customer service. AA also provides discounts for multiple policies, making it cost-effective to bundle different types of insurance. Special offers for new customers add further value. Overall, AA’s product suite is designed to offer robust protection and peace of mind, making it a reliable choice for your insurance needs.
Car Insurance
AA’s Comprehensive Car Insurance offers extensive coverage, including accidents, theft, and windscreen repairs. Their Third Party, Fire & Theft policy is a good option if you want to cover damage to other vehicles and theft or fire of your car. The Third Party Only policy is ideal for basic coverage needs. Customers appreciate the efficient claims process and the availability of a no-claims bonus. AA’s car insurance provides reliable protection with flexible options to meet different needs. The customer service is also noted for being helpful and responsive.
House Insurance
AA’s House Insurance protects your home against various risks, including fire, storms, and natural disasters. The policy covers rebuilding costs and includes temporary accommodation if your home becomes uninhabitable. Additional benefits include coverage for garages and other structures on your property. Customers find the policy comprehensive and appreciate the prompt and fair claims handling. The ability to customize coverages is a significant advantage. AA’s house insurance offers robust protection, making it a trusted choice for homeowners.
Contents Insurance
AA’s Contents Insurance covers your personal belongings against theft, fire, and accidental damage. The policy is flexible, allowing you to tailor the coverage to your needs and ensuring valuable items are protected. It also includes temporary accommodation if your home is uninhabitable. Customers appreciate the straightforward claims process and the option to customize their coverage. AA’s contents insurance provides peace of mind, whether you’re a renter or homeowner. The policy is well-regarded for its comprehensive protection and customer-friendly features.