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Accidental Death Cover

Protect loved ones with a tax-free lump sum if you pass away as a direct result of an accident.

From $3.29/week.

Based on $100,000 cover for a 40-year-old female AA Member who is a non-smoker.

Premiums can be paid fortnightly, monthly, quarterly, half-yearly or annually.

Get a quote
  • Cover from $75,000 up to $500,000
  • Immediate cover once accepted 
  • 5% AA Member discount*

*Provide a valid AA Membership number at time of purchase. Discount applies to the total premium.

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Who might this be for?

  • You don’t qualify for Life Cover or simply want an alternative 
  • You want cover to support your loved ones if you pass away from an accident 

How to apply

  1. Choose your cover amount
  2. Get an online quote in around 2 minutes
  3. When you're ready, apply, with no medical exam needed for application

 

What's included?

Your payout can help cover funeral expenses, ongoing household costs, debts, or provide support for the people you care about most.

If you pass away as a direct result of an accident (as set out in the policy), we’ll pay your full cover amount up to the maximum cover of $500,000 across all AA Life Insurance policies. 

Your cover begins as soon as your application is approved.

You can nominate beneficiaries so your payout can go directly to the people you choose, bypassing your estate and making the money available more quickly. 

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PLUS, free access to Connected Care

As an AA Life Insurance policyholder, you receive complimentary access to AA Life Insurance Connected Care – a virtual health and wellbeing service. It connects you and eligible family members with New Zealand GPs, global medical specialists, mental-health professionals and more. Whether you need a quick GP consultation, a second opinion, or wellbeing guidance, AA Life Insurance Connected Care is another way we help you focus on life’s precious moments.

Things you should know

  • You need to be aged 16–74 and in New Zealand when you apply. Cover starts as soon as you receive confirmation of acceptance and stays in place until your 85th birthday.
  • Accidental Death Cover only applies when death is a direct result of an accident. It does not cover natural causes, illness, or medical conditions.
  • You can apply online, at an AA Centre, or over the phone with our friendly New Zealand based team.   
  • There's a 30 day no-obligation period - if you change your mind during this time, 100% of the premiums you've paid will be refunded, provided you have not made any claims. 

Understanding what your policy covers

Please read the policy wording so you understand what is and isn’t covered, the benefits, your responsibilities as the policy holder, cover limits and exclusions. 

You may want to also consider

Mum and son standing in backyard smiling
Mum and son standing in backyard smiling

Life Cover

Protects your loved ones by paying them a lump sum if you die from any cause (except for self-inflicted act within 13 months of the policy starting, or any increase), not just an accidental death, so they have financial support when they need it most.

Learn more

Have a question?

Please check out our frequently asked questions, give one of our friendly New Zealand-based team a call on 0800 AA LIFE Monday to Friday 8.30am - 5pm, or pop into one of our AA Centres to speak to a consultant.

You can add a beneficiary as part of the application process for Accidental Death Cover, or if you'd like to add one later, you can do so by completing the Nominated Beneficiary form online or by getting in contact with us. The beneficiary’s details are loaded against your policy so that any payouts are made to them directly.

Why choose AA Life Insurance

 We help New Zealanders take care of what matters, on the road, and in life.

roundel 5% AA Member discount
roundel 99.4% of claims paid out
roundel phone and laptop icon simple online application
roundel with headset icon and New Zealand based support caption

*Provide a valid AA Membership number at time of purchase. Discount applies to the total premium. 

^AA Life Insurance claim acceptance ratio Jan-Dec 2024 for Life, Cancer Care, Funeral, and Accidental Death Cover.   

PZ AA Life

Our insurance partner 

AA Life Insurance policies are distributed by the New Zealand Automobile Association (Incorporated) (AA) and provided and underwritten by Asteron Life Limited. You should consider the appropriate policy wording before making any decisions about any policy you decide to purchase. Terms and Conditions, Limits and Exclusions apply

Financial strength rating 

Asteron Life Limited has been given an  "A+" (Strong) financial strength rating by Fitch Australia Pty Ltd (Fitch), an approved ratings agency.  The scale that this rating forms part of is available for viewing at Asteron Life Limited's New Zealand offices.

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 financial adviser.

More information

Policy wording

Terms and conditions

Connected Care

Blog

Complaints process

*5% AA Member discount available when you provide your valid AA Membership number on application. 

The information on this page refers to the currently on sale product.