Updated 3 Nov 2017

AA Insurance

Car Insurance (Comprehensive)

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Full policy details

Policy

Underwriter
AA Insurance
Underwriter's financial strength rating
A+ (Standard & Poor's)
Independent complaints organisation

Insurance & Financial Services Ombudsman Scheme

Phone
0800 500 231
Cooling-off period
21 days

Standard excesses for fully-licenced, named drivers

Under 21
$950
21 to 24

$950

25 plus

$400

Main cover

Liability to 3rd parties

Up to $20 million

Towing costs following accident

Reasonable towing costs

Road-clearing costs following accident

No

Transport costs following accident

Reasonable transport costs

Accommodation costs following accident

Up to $500

Cover for natural disasters

Yes

Other benefits

Damage to trailer covered under same policy

Up to $1000 (market value; $100 excess)

Cover for windscreens/windows

Yes

Possible to claim for broken glass without impacting excess/no-claims discount

Optional extra

Keys/locks replaced

Reasonable costs (no excess if claim below $750)

Repairs done by specified repairer guaranteed

Yes

Option to choose your own repairer

Yes

Roadside assistance available

No (AA membership runs separate scheme)

Rental car during repairs

Optional extra (car provided until repairs complete or claim settled)

No-claims discount protection (including at-fault crashes)

Yes

New vehicle replaced entirely

Yes, if less than 1 year old (may be at insurer's option)

Car accessories included in cover

Yes - child car seat, stereo, etc

Car accessories kept at home covered

No

Death and injury cover

Driver's death

No

Driver's personal injury

No

Driver's medical expenses

No

More info

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