Accident Recovery Insurance
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AA offers straight forward life insurance. Either:

You can't anticipate an accident happening. But you can be prepared.

With Accident Recovery Insurance, you receive a cash payout to help you recover from certain types of accidental injuries. ACC will cover you for most of the short-term costs related to your injury from an accident but if you have a more serious accident it can be difficult getting them to cover things in the longer term, like extra physiotherapy treatment or to provide an income if you feel you're not able to go back to work yet.

Accident Recovery Insurance is available to people aged under 70 years and listed below are a few benefits:

  • You decide how and what you spend your payout on
  • The amount you get depends on how severe your injury is and which of our two plans you have chosen (see the list below)
  • If your injury isn't included in the list below and you have to stay in hospital for more than 48 hours, you still benefit - we'll give you a cash allowance each day you're in hospital (up to a maximum of 10 days)
  • If the accident results in your death, an accidental death benefit of $20,000. This could help your family pay for your funeral and tie up loose ends
  • Our Accident Recovery Insurance policy covers you for 15 years. At the end of 15 years you can choose to renew your policy (if you're under 70 years) to be sure you're still protected
  • If you've been lucky and haven't needed to make a claim throughout the 15 years, we'll refund 50% of all the premiums you've paid

Have a look at the benefit details below

Accident Recovery Insurance Premiums (per month)
Standard Plan Superior Plan
AA Member (5% discount + one AA Rewards Point for every complete $10 of premium paid) $19.52 $31.02
Non AA Member $20.55 $32.65
Permanent Disability
Total loss of use of 2 limbs, both eyes, or 1 limb and 1 eye $50,000 $100,000
Total loss of use of 1 limb or 1 eye $25,000 $50,000
Loss of use of a thumb $10,000 $20,000
Loss of use of 2 fingers $5,000 $10,000
Fractures
Hip or pelvis $5,000 $10,000
Upper leg (excluding hip) or heel $4,000 $8,000
Ankle, arm (including wrist and elbow), vertebrae, lower leg, skull, collar bone $1,500 $3,000
Hand (excluding thumbs and fingers), foot (excluding toes and heel), shoulder blade, kneecap, sternum, jaw (excluding cheekbone) $1,000 $2,000
Rib or ribs, cheekbone, coccyx, nose $500 $1,000
Dislocations
Spine or hip $7,500 $15,000
Knee, ankle, wrist, elbow $1,500 $3,000
Shoulder blade, collar bone $500 $1,000
Burns
Third degree burns (except hands) to more than 20% of body surface $7,500 $15,000
Third degree burns (except hands) to at least 4% but less than 20% of body surface $1,500 $3,000
Third degree burns of hands to at least 50% of either hand surface $1,000 $2,000
Hospital Cash for other injuries
Resulting in hospitalisation of 48 hours or more $100/day $200/day
Maximum hospitalisation benefit for any one injury $1,000 $2,000
Death
Accidental Death Benefit $20,000 $20,000

Cover level or benefits not quite what you're looking for?

Talk to one of our AA Life Advisors today. Our advisers will work with you to determine the best options available for you and your family, ensuring you get the most value out of your premiums

Member benefits

Get a 5% discount on your insurance premiums
Earn one AA Rewards Point for every $10 spent on your premiums

More information

  • FAQ's about Accident Recovery Insurance
  • Things you should know about Life Insurance
  • How we calculate premiums
  • Do you need life insurance?
  • AA Life's customer prize draw winners
  • AA Life Advisor Services

    • Read our Accident Recovery Insurance policy wording (86 Kb PDF)