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Where does the information in an AA Vehicle History Report come from?
The information in the AA Vehicle History Report is comes from several Government and private sector organisations:
- Personal Property Securities Register (PPSR)
- New Zealand Transport Agency (NZTA)
- NZ Police
- MAF
- MotorWeb's private database
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Is there a free number I can call to check for money owing on a vehicle?
No, the Government's free calling number ceased operations in 1999.
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What can I do about an incorrect odometer reading?
Odometer readings can sometimes be recorded incorrectly during a Warrant of Fitness (WoF) inspection, due to characters being transposed or illegible handwriting. If this has happened, it can be corrected by faxing the checksheet and a letter of explanation to the NZ Transport Agency (NZTA) . You must include the incorrect odometer reading and the vehicle's current correct odometer reading.
If the checksheet is also incorrect or it can't be found, take the vehicle to a WoF agent. The agent will record the current odometer reading and ask NZTA to correct the odometer reading. Find your nearest AA WoF stations or visit the NZ Transport Agency website for more information.
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Can I have a joint policy with my partner?
You can't have a joint policy. The equivalent is for both you and your partner to take out a policy and name each other as second owners - that way when the time comes to claim, the money will go straight to your nominated second owner.
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How much will life insurance cost?
This can depend on a number of factors - the kind of life insurance you take out, how much cover you need, your current health status, age, gender and if you smoke or not.
To read more, see Life Insurance
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Are life insurance payouts taxed?
The lump sum payments are tax-free (as long as your life insurance is not used for business purposes). However, if the payment goes to an estate you may need to pay tax on any income (e.g. interest) you make off the estate until it has been wound up.
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Can I change the amount of my AA loan after it is approved?
Yes. If you want to increase the amount, it simply needs to be approved by us (you won't need to fill in another loan application). Just speak to either your AA Finance-authorised motor vehicle dealer or boat dealer who will organise it for you, or contact AA Finance directly on 0800 500 555 or through our online contact form
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What if I have no credit history?
You may not need to have any previous credit history to get a loan with us; however, we may ask you to provide a suitable guarantor for your loan.
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What is the security for my car loan?
The security will be the car you've purchased, although we may ask for additional security or a guarantor.
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Does leasing a vehicle give me a tax benefit?
Depending on your individual or business circumstances, leasing a vehicle can provide considerable tax advantages. In most cases the lease payment will be fully tax deductible. Your accountant will be the best person to give you advice on this.