| Premium rating - Young couple |  |
|---|---|
| Premium rating - Family of two |  |
| Premium rating - Family of four | |
| Premium rating - Retired couple | |
| Policy cover | |
Policy
| Company/Policy name | AA Insurance Home and Contents Cover |
|---|---|
| Credit rating | A+ (Strong) Standard and Poor's |
| Contact number | 0800 500 213 |
| Website | www.aainsurance.co.nz |
| Online quote available |  |
| Notes | AA Insurance is a joint venture between Suncorp and the New Zealand Automobile Association |
Excesses
| Standard excess - contents ($) | 200 |
|---|---|
| Standard excess - house ($) | 200 |
Contents cover (2 ticks = replacement, 1 tick = indemnity)
| Audiotapes, CDs, videotapes, DVDs, portable music players |  Up to $1500 |
|---|---|
| Bicycles | Up to $1000 per bicycle unless specified |
| Blinds/curtains | |
| Books | $1000 for a set or collection unless specified |
| Cameras | Up to $1500 unless specified |
| Camping equipment | |
| Carpets and floor coverings | |
| Cash | Up to $300 theft only |
| Computers | Up to $5000 in total (including software) unless specified, laptops $3000 (including software). |
| Computer software | Up to $5000 total (including hardware) $3000 laptops unless specified |
| Credit card | Up to $300 |
| Dentures | |
| Frozen food | Up to $500 |
| Furniture | |
| Hearing aids | |
| Home appliances | |
| Linen | |
| Jewellery | Up to $1000 per item $3000 per event unless specified |
| Keys and locks | Up to $500 |
| Mobile phones | Up to $1500 unless specified |
| Professional equipment / work tools kept at home | Up to $1000 |
| Spectacles | |
| Sports equipment | |
| Temporary accommodation | Up to 12 months reasonable costs for home owners, one month for renters |
| Tertiary student away from home in student hostel | |
| Video games | Up to $1000 unless specified |
| Watches | Up to $1000 per item $3000 for an event unless specified |
| Watercraft and / or outboard motors | Up to $500 |
Contents exclusions
| Cleaning damage | Excluded |
|---|---|
| Sports equipment in use | Excluded |
House cover (2 ticks = replacement, 1 tick = indemnity)
| Retaining walls | |
|---|---|
| Hedges/shrubs | |
| Gradual deterioration | Up to $2000 |
Additional cover
| Personal liability | Up to $1 million |
|---|
Guide to the table
We've provided policy detail and premium summary information for each of our consumer profiles requiring both house and contents insurance. See Consumer profiles for more information.
For a comparison of contents-only policies, see Contents-only policies compared.
Policies
The house policies are based on open-ended replacement cover.
2 ticks = replacement cover; 1 tick = indemnity cover.
Note:
- AMP, NZI, Lumley and Vero were excluded as they are sold through brokers or other brands rather than directly to the public.
- FMG and Medical Assurance were excluded as they are only available to people in certain geographical locations or professions.
- HSBC and Ansvar declined to take part in our survey.
Click on the question mark symbols beside the headings for more information.
