{
  "vertical": "car",
  "insurer": {
    "slug": "aa",
    "name": "AA Insurance",
    "brand_family": "aa-insurance"
  },
  "product": {
    "slug": "car",
    "name": "AA Insurance — Car Insurance",
    "status": "active",
    "positioning_summary": null
  },
  "wording": {
    "version": "2025-04-01 (Third Party)",
    "ingested_at": "2026-05-20T04:57:57.409844+00:00",
    "pdf_hash": "0c64be73a451fc16ceec3f1660480389d504484ab0bce73a22eeb4cec6926da1",
    "source_url": "https://assets.ctfassets.net/c28a1yh3tefi/4Wmdo596hY0mlawUxRc5dS/93e31ee2942f08da0f6ba4e1f272e02a/AAI_Third_Party_Car_Insurance_Policy_Updated_Apr_2025_FA.pdf",
    "page_count": null
  },
  "confidence_tier": "verified",
  "facts": {
    "excess": {
      "standard_nzd": "Set out in your policy schedule — 'Your policy schedule tells you the amount and types of excess.'"
    },
    "exclusions": [
      "any loss, cost or liability that is directly or indirectly caused by, arising from, or involving any acts or omissions that are intentional, reckless, deliberate, malicious or have criminal intent",
      "any loss, cost or liability arising from an event that happened before your policy started",
      "for the first 48 hours of your period of insurance when you first purchase this policy, any loss, cost or liability that is directly or indirectly caused by, arising from or involving natural hazard, fire, storm or flood",
      "you or any person using your vehicle who, at the time of the event, was under the influence of alcohol, drugs or any other intoxicating substance; had a blood or breath alcohol level more than the legal limit; or failed to stop, or left the scene of an accident when it is an offence to do so",
      "you or any person using your vehicle who, after the event, fails or refuses a legally required alcohol or drug test",
      "damage to tyres caused by braking, punctures, cuts or bursts",
      "any loss, cost or liability that is directly or indirectly caused by, arising from or involving insects, pests, vermin, rodents or possums",
      "you or any person using your vehicle who, at the time of the event, was not legally licensed to drive in New Zealand; not complying with the conditions of their driver's licence; or advised, directed or instructed not to drive by a medical or other professional",
      "any loss, cost or liability that is directly or indirectly caused by, arising from, or involving wear and tear, rust, or corrosion; rot, mould, mildew, fungi, or smoke damage that has happened gradually; action of micro-organisms, particles or light; atmospheric or climatic conditions; or gradual deterioration, blockage, or depreciation of your vehicle",
      "any loss, cost or liability associated with the cost of painting, repairing or replacing an area, set or part of your vehicle that was not damaged in the event, or that is not related to your claim, and any loss because paint, features, fabrics, or other parts of your vehicle cannot be matched",
      "loss of use of your vehicle; consequential losses of any kind; costs or expenses you may incur to prove or help us with your claim; repairs that are not related to your claim",
      "any loss, cost or liability that is directly or indirectly caused by, arising from or involving water damage due to defective or blocked drainage systems, leaking seals or gaskets",
      "any loss, cost or liability that is directly or indirectly caused by, arising from or involving poor, sub-standard, defective or faulty workmanship; poor, sub-standard, defective or faulty design or manufacture; any structural or inherent defect",
      "any damage to, or failure of, mechanical, electrical or electronic parts of your vehicle; or any damage resulting directly or indirectly from fuel contamination or mechanical, electrical, or electronic failure or breakdown of your vehicle",
      "your excess on this or any other policy; cover where cover is provided by other insurance or by a warranty or guarantee",
      "any loss, cost or liability that is directly or indirectly caused by, arising from or involving your vehicle when being used for: carrying, hauling or towing hazardous chemicals, explosives, inflammable liquids or gases or electronics, jewellery or alcohol intended for sale in connection with a trade, business or profession; hiring, or carrying fare-paying passengers; courier or delivery services; protests, civil disruption, unlawful purpose or criminal activity; driving on any track, circuit, speedway, racing arena or any other similar surface or location (unless part of a professional driver training or handling course); off-roading, hill climbing, racing, or being tested for racing of any kind including pace-making, trials, tests, demonstrations or similar events; driving on beaches, sand dunes, open land, rivers or river beds, or unsealed surfaces (subject to specified exceptions)",
      "any loss, cost or liability connected in any way with your vehicle being confiscated or seized by anyone with a financial interest in your vehicle, or connected with confiscation, destruction, acquisition, designation, or decision by government or local authorities",
      "your vehicle, trailer or caravan when it is overloaded, or used in an unsafe or unroadworthy condition (subject to specified exceptions)",
      "loss, cost or liability that is directly or indirectly caused by, arising from, contributed to by, or in any way connected to electronic data being damaged, distorted, deleted, corrupted, altered, misinterpreted, or misappropriated; error in creating, amending, entering, deleting or using electronic data; inability or failure to receive, send, access or use electronic data for any period of time; any loss of use, reduction in functionality, repair, replacement, restoration or reproduction of any electronic data; or the value of any electronic data",
      "loss, cost or liability that is directly or indirectly caused by, arising from, contributed to by, or in any way connected to a cyber act or cyber incident (subject to specified exceptions)",
      "any loss, cost or liability caused by, arising from, or involving pollution or contamination",
      "any loss, cost, any other sum of any kind, or liability that is directly or indirectly caused by, arising from, contributed to by, or in any way connected to any communicable disease; the fear or threat of any communicable disease; or actions by any person, entity or public authority to respond to, control, prevent or suppress communicable disease",
      "any money that could be recovered from the Accident Compensation Corporation under the Accident Compensation Act 2001",
      "any loss, cost or liability that is directly or indirectly caused by, arising from or involving anything that may breach, violate or risk exposure to any sanction, prohibition, restriction, proscription, or prevention under laws or regulations of New Zealand, Australia, the United Kingdom, the United States of America, the European Union, or United Nations resolutions",
      "any loss, cost or liability that is directly or indirectly caused by, arising from, involving, controlling, preventing or suppressing any activity in connection with any act of terrorism",
      "any loss, cost or liability that is directly or indirectly caused by arising from, or involving war, invasion, act of foreign enemy, hostilities or civil war (whether war is declared or not); rebellion, revolution, insurrection, military or usurped power",
      "any loss, cost or liability that is directly or indirectly caused by, arising from, or involving nuclear weapons or ionising radiations; contamination by radioactivity from nuclear fuel, or the combustion of waste from nuclear fuel"
    ],
    "value_basis": {
      "market_default": "yes",
      "agreed_available": "no",
      "total_loss_basis": "Third Party tier does not pay out for own vehicle damage except under the standard benefit 'Accidents with an uninsured third party', under which the most paid is the market value of your vehicle up to $4,000."
    },
    "ride_share_rules": "This policy does not cover any loss, cost or liability that is directly or indirectly caused by, arising from or involving your vehicle when being used for hiring, or carrying fare-paying passengers, or courier or delivery services.",
    "territorial_scope": "New Zealand",
    "business_use_rules": "If your policy schedule shows 'Private use', your vehicle is only covered when used for private or domestic purposes and is not covered for any activities in connection with a profession, occupation or business. If your policy schedule shows 'Business use', your vehicle is covered while used for any activities in connection with a profession, occupation or business, as well as private or domestic purposes. In either case, the policy does not cover loss, cost or liability directly or indirectly caused by, arising from, or involving your vehicle when being used for carrying, hauling or towing hazardous chemicals, explosives, inflammable liquids or gases, or electronics, jewellery or alcohol intended for sale.",
    "cover_tiers_in_wording": [
      "third-party"
    ]
  },
  "endpoints": {
    "summary": "/api/car/product/aa/car/summary.md",
    "wording": "/api/car/product/aa/car/wording.md",
    "history": "/api/car/product/aa/car/history.json"
  },
  "canonical_url": "https://insurenz.co.nz/api/car/product/aa/car/facts.json",
  "generated_at": "2026-07-05T00:18:25.897Z",
  "license": "CC BY 4.0 — attribute https://insurenz.co.nz"
}