aainsurance.co.nz

1.5
1.5 Based on 224 reviews

We've been voted New Zealand's most trusted insurer 8 years in a row so you can trust us to protect what's important to you. Learn more or get a quote online....

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Average Rating

1.5

/
5

224 Reviews

5 Star
9%
4 Star
1%
3 Star
1%
2 Star
3%
1 Star
86%

All Reviews

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Review Time

Dave Ludlow
I am disgusted that AA insurance is now cherry picking who it will or won't insure based on Geograph

I am disgusted that AA insurance is now cherry picking who it will or won't insure based on Geographical area. There quotes are overpriced and I have slowly moved my different policies elsewhere, just the contents policy to go.
I just got off the phone from AA membership cancelling my membership after many years. My membership ran until June this Year, I asked about a refund on the rest of the policy, "sorry sir we don't give refunds". I think to be clearer with customers they should add "LR" after the AA, standing for Legalised Robbery. Glad to hear people leaving the AA in droves.

1
Date of experience: Feb 02, 2026
tinimar12
Significant decline in customer service experience.

In my view, the customer service at this place has significantly deteriorated. I received a notification in the mail stating that my insurance autopayment had declined. Despite providing two phone numbers and an email to the company, they opted for a traditional letter instead of a modern communication method. This notice, which was already several days old, warned me that my insurance would be void without payment, and by the time I received it, my insurance was just a couple of days away from being canceled. It seems that either someone or their system was not in a rush to protect my coverage. I reached out to another provider and obtained new insurance, given my years of driving experience and minimal claims history, and it was more affordable as well. Thinking the matter was resolved, I replenished my autopayments account. However, the company still processed a payment despite informing me that my policy would be canceled by that point. The communication has been abysmal, and there has been a clear lack of effort to reach out. Not only have they lost my vehicle insurance contract, but I will also not consider them for my contents insurance renewal in the future. I cannot recommend this company in good faith at this time.

1
Date of experience: Dec 01, 2025
Sutton
Customer service has significantly declined

In my view, the customer service here has deteriorated considerably. I received a letter notifying me that my insurance autopayment was declined. Despite providing the service with two phone numbers and an email, they opted for a traditional letter instead of a more modern method. This message, which was already several days old, warned that my insurance would be void without payment, leaving me to conclude that there was little urgency on their part. I reached out to another company and secured new insurance, which was cheaper due to my good driving history. After topping up my autopayments account, the service still charged me, even after I had been informed that my policy would be canceled. The lack of communication and effort to reach out has been disheartening. They’ve lost my vehicle insurance contract, and I won't be considering them for my contents insurance renewal either. I cannot recommend this service in good faith at this time.

1
Date of experience: Dec 01, 2025
Wilber Wilson
Claim process was smooth and efficient

I had to make a claim after my car was hit in a parking lot. With no witnesses, I had to pay an excess upfront. I sent in photos and a map of the incident and was instructed to take my car to a panel beater for a quote. A few days later, I learned that my car was deemed a total loss, and they quickly arranged a tow truck to pick it up for disposal. The payment of the agreed value, minus the excess, was processed within 24 hours. Overall, I found the process straightforward and stress-free, especially after reading some negative reviews that made me anxious about potential complications.

5
Date of experience: Nov 05, 2025
Timmy Bell
Pleasantly surprised by the breakdown service

I have been a member of the breakdown service for 15 years, and my experience has been nothing short of excellent. Now, as I consider life insurance, I’m shocked and disappointed by the numerous negative reviews. It’s perplexing how one aspect of the service can be so outstanding while another is perceived as terrible.

5
Date of experience: Oct 30, 2025
Babette Baker
Not suitable for drivers under 25

The staff were incredibly rude on the phone. My son has comprehensive insurance, but they told him he could only use one type per claim. With a car that was undrivable due to panel damage, he had to choose to get the windows fixed and was not allowed to use the rental he pays premiums for or any repairs to the car. We were led to believe this service was great for younger drivers, but that is absolutely not the case. I wouldn't recommend this service to any young driver.

1
Date of experience: Oct 20, 2025
Rosalyn Baker
Claims process is unnecessarily stressful

The claims process has been overly stressful and prolonged, with poor customer support. I struggled to speak with anyone who could make decisions or had real expertise, as I kept getting the same scripted responses during my calls. My vehicle was damaged 350km from home and was not drivable. The service left it in a small town for over two weeks, and I ended up arranging towing myself, only to receive a call later informing me that towing was arranged—something I had already done! It seems they lack the expertise or ability to organize anything. Expect to do all the work if you want your claim to progress. I’ve had two claims with this service in the last three years, and both have been laborious with inadequate customer service. I felt like I was treated poorly throughout the process. The previous claim involved a payout for parts that were unavailable, and I had to fight them repeatedly. I ended up without my vehicle for three months, which was quite inconvenient. This time, I quickly purchased a new car and did not wait for them to sort things out. It appears this service lacks basic customer care, and multiple mechanics have refused to work with them, preferring to work with me instead. I have nothing positive to say about this service.

1
Date of experience: Sep 26, 2025
TM39
Insurance service left much to be desired

The insurance service has been extremely disappointing.

1
Date of experience: Sep 26, 2025
Eric Butler
Disappointing experience after many years

After two decades of no claims, our elderly pet had an accident. As others have mentioned, we felt like we were being scrutinized for making a claim. After submitting three sets of photos and a letter, I was informed we had to pay three excesses, contradicting their advertising of one event, one excess. I will be seeking advice and filing a complaint regarding their misleading claims.

1
Date of experience: Sep 09, 2025
Frequent online technical issues

I frequently encounter technical issues with the online service. Either I cannot select a specific option, or I go through a lengthy process only to receive a message about a technical error, forcing me to start over. These issues have persisted for months without resolution.

1
Date of experience: Sep 06, 2025

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  • We've been voted New Zealand's most trusted insurer 8 years in a row so you can trust us to protect what's important to you. Learn more or get a quote online.

  • language https://aainsurance.co.nz

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