Accidental Death Cover

Be sure you're covered in case of an accident


Accidental Death Cover

Accidental Death Cover is a simple insurance policy that pays a lump sum up to $500,000 and covers you for death as a direct result of an accident, though not for death as a result of natural causes or health issues. This cover is designed to help your family pay costs that you would have helped with if you were still alive.

Anyone aged 16 to 74 can apply online, at an AA Centre or over the phone with our New Zealand based team. Just bear in mind that you'll need to be a New Zealand citizen, resident or hold a valid work visa for the next 12 months.

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A quick summary

  • Anyone aged 16-74 can apply
  • Cover for up to $500,000
  • Simple application process, no medical examinations or reports required
  • Covered immediately on acceptance
  • Cover up to the age of 85
  • Tax-free, lump-sum payout
  • Cover anywhere in the world

Be confident knowing what your policy covers

We want to make sure you’re confident in knowing what you are or aren’t covered for. That means reading your policy wording to understand the benefits as well as your responsibilities, and the cover limits and exclusions of your policy. 

Things you should know

  • There's a 30 day no-obligation period, giving you further peace of mind in knowing that if you change your mind at this time, we'll refund 100% of the premiums you've paid.
  • Premiums can be paid fortnightly, monthly, (direct debit and credit card only), quarterly, half-yearly or annually by direct debit or credit card.
  • You should also consider that Accidental Death is not an investment policy, which means that if you decide to cancel your policy, you won’t receive any benefit or premium refund.
  • Any death where the following contributed to the accident or injury won't be covered: any illness, disease, naturally occurring condition, participating in a criminal or illegal act, suicide, hazardous activities, and extreme sports, flying on a non-scheduled flight or piloting any aircraft, having blood alcohol content in excess of the current New Zealand driving limit, serving in the armed forces of a country or organisation, any war-like activities (whether war is declared or not).
  • Over your lifetime it's possible to pay more in premiums than the total amount of your cover. You should consider whether Accidental Death Insurance is the best option for your situation, with other possible options being saving or investing.
  • You can nominate a beneficiary which allows your cover payment to be made to someone you choose, bypassing your estate and making the money available more quickly. 

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More from AA Life Insurance

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Funeral Cover provides up to $30,000 and can be used to pay towards your funeral expenses and other associated costs.

Cancer Care Insurance gives you a lump sum of money to help you with financial stress that accompanies the diagnosis of certain types of cancer needing treatment.


You can add a beneficiary as part of the application process, or if you'd like to add one later, you can do so by completing the Beneficiary Form on our website, or getting in touch with us. Their details are loaded against your policy so that any payouts are made to them directly. We recommend you put some provisions in place on how you'd like payments to be administered i.e. organising a will, trustee or guardian.

It should take around 15 minutes to complete.

Our insurance partner

AA Life Insurance policies are brought to you by the New Zealand Automobile Association Incorporated and underwritten by Asteron Life Limited.

Financial strength rating

Asteron Life Limited has been given an A+ financial strength rating by Standard & Poor’s.

Financial advice

Our website provides general information about our products and services to help you make choices when it comes to protecting the things in life that really matter. The information doesn’t take into account your specific financial situation, needs or goals and is not intended to be financial advice.

If you'd like to receive financial advice, you can get professional advice from a registered financial adviser.