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Is the year of manufacture shown in an AA Vehicle History Report reliable?
For vehicles registered before 1 January 2007 "vehicle year" means the year of manufacture, the first year of registration or the model year. Motor vehicles registered on or after 1 January 2007 "vehicle year" means year of first registration.
For some vehicles the 10th digit of the VIN (Vehicle Identification Number) represents the "Year of Manufacture". However this isn't always reliable as manufacturers in different regions may use a different VIN encoding. If there is any doubt we recommend contact is made with the local franchise dealership.
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How much does an AA Vehicle History Report cost?
The AA Vehicle History Report is $25.00 for non AA Members and $20 for AA Members including GST.
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Am I covered if I fall terminally ill?
If you're diagnosed with a terminal illness you'll receive your payout early - so you can enjoy it in the time you have left.
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How much life insurance cover do I need?
That's up to you. If you just want cover for your funeral, you can choose your own level between $5,000 and $15,000 with our Funeral Cover policy. Otherwise how much you need depends on your personal situation.
It comes down to:
- How much you'll need to pay off any debts that you wouldn't want to pass on to anyone else
- How much your family will need to live on until they get back on their feet
- How much you'd like to leave behind for your offspring
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Why do you need medical information for my life insurance policy?
It's normally only for full life insurance that we need this information.
Knowing your current state of health, including any medical conditions and how they are being managed, helps us assess your health against that of other New Zealanders. This may or may not affect your premiums. We may also need information from your doctor as part of the process of assessing a claim.
Be assured that we respect the confidentiality of your medical information and will not divulge it to any other party.
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Can I get a loan approval before I have found the car that I want?
Yes - we know that some people like to know how much they can borrow before they go shopping for a car. You apply for the loan as normal and we’ll be in contact with you to explain our lending decision and approval conditions so you can feel more confident in your car purchase negotiations.
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Is there a minimum age for applying for car finance?
Yes, you need to be at least 18 years of age.
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What if I have bad credit?
Apply for a loan with us and we’ll assess your application. If we’re not able to offer you finance, we may be able to recommend another finance company to deal with.
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Why would I lease a car rather than own a car?
Leasing allows you to drive a car without paying out a lump sum to purchase, which means you have cash for other purposes. The low deposit, the tax advantages, and no risk on resale also make leasing an attractive option.
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Can I lease a used vehicle?
Yes, but there may be limits on the term of the lease. Generally, only late model, low kilometre vehicles will be considered.