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Terms and conditions

Policy terms and conditions

You can review the terms of your policy within the Policy Wording.

Privacy

Information provided to the AA Travel Insurance team is collected, used, and stored in accordance with Cover-More NZ (Ltd)'s (Cover-More) Privacy Policy and NZAA's Privacy Statement as applicable. For policies taken out on or after 1 December 2025 your information will be shared with Zurich Australian Insurance Limited, who issue and underwrite the policy.

If your policy was taken out on or before 30 November 2025 your information will be shared with AWP Services New Zealand Limited trading as Allianz Partners and Mitsui Sumitomo Insurance Company, Limited for use in accordance with the Allianz Partners Privacy Policy and Mitsui Sumitomo Insurance Company Privacy Policy who were involved in the provision of your policy. Your information will not be shared with Cover-More. 

Website terms and conditions

While every reasonable effort has been made to ensure that the information contained on this website is complete and accurate, neither Cover-More NZ (Ltd) (as the distributer, arranger and administrator of AA Travel Insurance policies) nor The New Zealand Automobile Association Inc. represents or warrants the accuracy or completeness of any information on this website, or that this information is suitable for use in every situation.

The information contained on this website is of a general nature only and it is not personalised advice. If you would like advice which takes into account your particular financial situation or goals, please contact your financial adviser. It is important that you treat this website and the information it contains simply as a guide. Full details of the products described or referred to on the website, including full descriptions of defined terms, are set out in the relevant Policy Wording or call 0800 808 203.

Neither The New Zealand Automobile Association Inc. nor Cover-More NZ (Ltd) accepts any responsibility or liability arising directly or indirectly from or in connection with your use of or reliance on this website and the information and representations contained on it, or from any omission from this website. In the event of any inconsistency, implied or otherwise, between the information on this website and any policy wordings, then the policy wordings will prevail.

10% AA Member discount terms and conditions

We are required to validate the AA Membership at time of purchase to ensure that a financial AA Membership is held.

  • Member discount is only available on purchase, policy does not renew.
  • Discount applies to the total premium.

Cover more underwriter

Our insurance partner

AA Travel Insurance policies are issued and underwritten by Zurich Australian Insurance Limited (ABN 13 000 296 640) trading as Zurich New Zealand, distributed, arranged and administered by Cover-More (NZ) Limited (NZBN: 9429038789373: FAP FSP26184), and promoted and distributed by The New Zealand Automobile Association (Incorporated).  For further information see Zurich New Zealand’s financial strength rating. Consider the Policy Document before deciding to buy this product. Limits, sub-limits, conditions, and exclusions apply. Standard excess may apply.

Financial strength rating

Zurich Australian Insurance Limited (ABN 13 000 296 640) trading as Zurich New Zealand has a financial strength rating of AA- from S&P Global Ratings. This rating shows that the company has very strong financial security characteristics. This is reviewed annually and may change from time to time. View the full and current financial strength rating

Financial advice

The New Zealand Automobile Association provides general information about AA Travel Insurance products and services so that you can make a choice that best meets your needs. Information provided does not take into account your personal circumstances, 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.

AA Member benefit

10% AA Member discount available for new policies.

Terms and conditions apply.*

More information

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