AA car insurance

If you’re an AA Member, you’ll receive AA Member Discounts on selected policies based on how long you’ve been a Member. Plus, purchase more than one policy with us and you’ll automatically qualify for our Multi Policy Discount.

We’re also proud to be voted New Zealand’s most trusted brand for Car, Home and Contents Insurance in the Reader’s Digest trusted brands survey.

Comprehensive Car Insurance
AA Insurance has you covered with AA Comprehensive Car Insurance. You get Agreed Value cover & a lifetime repair guarantee. Get a quote online now.

Third party Car Insurance
AA Third Party Car Insurance protects you in case you accidentally damage someone else’s car or property. Get a free quote & apply online today with AA Insurance.

Motorcycle, Classic & more
AA Insurance offers policies for motorbikes & classic cars. Get an insurance quote for your motorcycle, vintage or classic car today.

What to do if you’re in a car accident
If you’re in an accident, your insurer is ready to help. Read the AA’s tips & advice for what to do after an accident.
Comprehensive Car Insurance Policy Benefits:
Agreed Value
Together we work out what your vehicle is worth, including any accessories you have or modifications you’ve made. So you know exactly what we’ll pay if it’s written off or stolen — no haggling, no hassles.

Damage to your own vehicle
If there is an accident or your car is damaged, we will either pay for the repairs or pay you the value we agreed on when you took out your policy, or when you last renewed it (whichever the lesser).

Legal liability cover
If you are responsible for damage to someone else’s vehicle or property we’ll protect you against any claim they make, up to $20 million.

Customer Service Centres*
Exclusive to AA Insurance! A one-stop-shop if your car’s damaged, to help get you back on the road again as quickly as possible. We’ll get your car assessed, quoted on, repaired, painted and quality checked, so you can get on with life.

*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. And we stand behind all their work with our Lifetime Repair Guarantee.

Young driver flexibility
There will be times when younger drivers (age 24 or younger) may need to drive your car, and you haven’t named them on your policy. With AA Insurance, they’re still covered, subject to a separate excess payment.

No Fault, No Excess
If you’re in an accident that wasn’t your fault and you can identify whose fault it was, you may not have to pay any excess. Please see the Comprehensive car insurance policy document for more details.

Additional benefits for peace of mind:
Customer Managers

AA Member Discounts

Multi Policy Discount

Towing, transport and storage

No excess on keys and locks

Lifetime repair guarantee

Damage to your trailer

Temporary accommodation

Cover when you change cars

Optional extras
Excess-Free Glass Cover
If you buy Excess-Free Glass Cover and your claim is only for accidental damage to your windscreen or windows, you won’t have to pay your excess.

Rental Cover
If you buy Rental Cover and you’re without a car as a result of a claim, we’ll organise a rental car to keep you on the road while your car is being repaired.
What is car insurance?
Car insurance provides financial protection in the event of an incident which causes damage to your vehicle. Depending on the level of insurance, it may cover the cost if your car is vandalised or stolen.

Many factors are considered when you apply for insurance, including the make and model of your car, your age, where you keep it and whether you have any motoring convictions.

Why do I need car insurance?
Car insurance is required by law, unless you have registered your vehicle as being off the road.

The minimum level of insurance is third party only, which provides cover if you injure other drivers, passengers or pedestrians, or cause damage to someone else’s property. Comprehensive cover provides further financial protection in case your car is damaged or stolen.

What types of car insurance are available?
You have three types of car insurance to choose from – third party, third party, fire and theft, and comprehensive.

Third party is the minimum cover required by law. It provides cover for injury to others or damage caused to their vehicle or property, but does not provide cover for damage to your vehicle.
Third party, fire and theft provides the same cover as third party, while also providing cover in the event of your car being stolen or damaged by fire.
Comprehensive is the highest level of insurance available. Cover is provided for injuries to others, theft, vandalism or accidental damage to your car.
To find out more you can read our article on the different types of car insurance or else you can compare our levels of cover.

Policy documents
Good to know
* A courtesy car is provided with comprehensive cover while your car is repaired at an approved garage. When you buy comprehensive cover direct from the AA, you also get a courtesy car for up to 21 days if your car is written off or stolen and not recovered. To qualify, you must be over 18 (over 23 in Northern Ireland and the Isle of Man) and have a full UK driving licence. This additional cover isn’t available through price comparison and cashback websites.

1 New customers can get 12 months’ breakdown cover for £15 when they buy Roadside Assistance with their AA Car Insurance. This offer applies to vehicle cover, which means your car is covered whoever is driving. Personal cover is also available at a discounted rate, which is cover for you as a driver or passenger in any vehicle. Roadside Assistance breakdown cover will be renewed automatically, unless you ask us not to. See the full Roadside offer terms and conditions.

2 Survey of new business sales from theAA.com, March to May 2018. Prices based on comprehensive cover only.

5 Star Rating. For the eighth year running, AA comprehensive Car Insurance has been awarded a 5 Star Rating from Defaqto. Defaqto is an independent, financial research company that specialises in rating, comparing and analysing financial products.

About the company

AA, is one of the leading insurance companies in South Africa, which provides a wide variety of of car insurance options, so that their clients can select the one that best suits their needs, and of course, their pockets. Together with the different levels of car insurance, AA also offers discounts and benefits.

Types of insurances: let’s find out what benefits can the client get with each type of cover.

Comprehensive: the most complete option that keeps you fully protected. It covers damage to your car or damage you have caused to a third person or property. It includes:

A 24/7 helpline

If your car is stolen or written off, you receive a free courtesy car.

You also receive a courtesy car when your car is repaired by an approved repairer.

Liability to a third party for damage you have caused to their property.

Any fees caused by an accident are covered by the company.

If your vehicle happens to be hit by someone else, you will not pay excess for that.

Earning a non-claim discount.

If you are driving in Europe you are also covered there up to 90 days.

Protection against fire damage and theft.

Replacement of keys and locks.

Child seat replacements.

Protection against accidental damage.

Personal possessions in your vehicle are covered.

Protection against damage to trailers.

Personal injury.

Medical expenses and accommodation full covered.

Third party, fire and theft: it covers your expenses if you damaged someone else`s property or car by accident. Pay attention because this cover includes all of the benefits mentioned in Comprehensive, except the following ones:

-Free courtesy car if your car is robbed.

-No need to pay for excess.

-Protection against accidental damage.

— Cover for personal belongings, medical expenses, damage to trailers and accommodation.

-Personal injury cover.

Third party: this is the cheapest option and it is recommended in cases where you are responsible for accidental damage to a third party`s property or car. I

t includes:

A 24/7 clam helpline to assist you anytime.

Third party liabilities for damage caused to your property.

Access to a no claim discount.

Emergency treatment, which means that you will be covered for any fees related to an accident.

You are also covered in Europe if you stay there up to 90 days.

Benefits of AA insurance

Name Driver No Claims Discount: if you have just acquired your AA car insurance, then you can have access to their no-clams discount. How can you qualify for it? Let’s see the requirements:

You must be 25 years old or older than that.

You must be free of conviction during the past five years.

You must be a named driver on AA car insurance with at least two years claims-free driving. Moreover, you must not have any fault claims.

This no-clams discount will depend on how long you have held a full license and how long you have been a named driver. Which means that once you have held your policy with AA for at least a year, you are able to protect your no-claims discount?

Uninsured Driver Promise: If you had an accident on the road because of the traffic, you will need to pay a lot for it, even though it is not your fault. This is why AA introduced the Uninsured Driver Promise. With this benefit, the driver won’t lose its no-claims discount if its car is hit by someone who is not insured at all. Moreover, you won’t have to pay an excess.

How does it work? The company just needs to establish that you are not accountable for the accident and then you will need to tell them the model, the registration number and the make of the other vehicle.

How much money does it cost? It’s free to every driver that has acquired the comprehensive insurance.

Optional extras to increase your insurance

Motor legal assistance: when the other party is responsible for an incident, you can get legal advice in order to seek uninsured losses or recovery from the other party. That includes all alternative transport costs, car insurance policy excess, earning losses and the compensation for any personal injury caused to you. It also includes a 24/7 legal helpline if you need advice, a 2 hour tuition with an AA instructor to help you recover your confidence and motoring related to legal documents.

Excess protection: you are able to obtain your excess back on a claim for intentional damage, accidental damage, fire, theft and attempted theft.

Motor accident plan: the company will cover up to £60,000 if you get injured or lose your life after being in a crash accident. It covers for a wide variety of injuries such as burns, facial scarring and fractures. Finally, you are paid for every day you spend in the hospital after an accident. So that means that your medical expenses are fully covered.


If you would like to get a quick quote with AA. Here is how you can do it:

By completing an online form in their webpage, in which you will have to give information such as the type of car insurance you will like to acquire, your car make, your car model, the year of manufacture of your car, the transmission type, the body type and the number of cylinders. Then you will need to provide information related to your car features, driver details and your personal information. Once you have submitted this form, an AA operator will get in touch with you.

Call the company on 0800 500 231

How to contact the company:

You can phone them on 0861 000 234 (option 3), which is available Monday to Friday from 08 am till 07 pm, excluding public holidays and weekends.

You can go to their physical office in Denis Paxton House, 4 Hyperion Road, Barbeque Downs, Kyalami

You can also send AA a message through their web page and chat with their operators.