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Can I drive in New Zealand on my overseas drivers licence?
Yes, if you hold a valid overseas driver licence. If your overseas licence is not in English then you are required to also have an International Driving Permit. You can drive in New Zealand for a maximum of 12 months.
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I'm not sure which cover is right for me. Where can I get more information?
It’s important to get the right cover to suit your needs. To help with that, you can visit our product pages, compare your cover options on the Compare Policies page, or for more information you can talk to one of our AA Life Consultants on 0800 808 234, or visit your nearest AA Centre.
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Can I change the amount I'm covered for?
Yes. You can reduce your cover at any time. If you want to increase your cover, you’ll need to answer a few simple questions about your health to ensure you are eligible to increase. Terms and conditions will apply at the time you increase your cover.
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Can I add a beneficiary to my policy?
You can add a beneficiary as part of the application process, or if you'd like to add one later, you can do so by completing the Beneficiary Form on our website, or getting in touch with us. Their details are loaded against your policy so that any payouts are made to them directly. We recommend you put some provisions in place on how you'd like payments to be administered i.e. organising a will, trustee or guardian.
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Can I take multiple cover options?
Yes, you can take out complementary cover options. For example, you may want to take out some Cancer Care Cover along with Life Cover. Many people can be treated and recover when diagnosed with cancer and the lump sum payment could help with costs. It pays to check out the product information carefully to make sure you only purchase what you need.
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Can I apply for life insurance if I have a disease, an illness, or I am very overweight?
You may be able to, but the terms of your policy may be changed. For instance, some conditions may be excluded or a premium loading may apply (this means that your premiums may be more expensive). Any exclusions or premium loadings are made clear to you as part of the application process before making a decision to purchase.
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Do I need to complete a medical check, or disclose further medical information?
We’ll ask you to answer the questions we need to know now, so that we can be transparent on price and you can tick life insurance off your list more easily. We won’t need you to follow up with further medical information or complete any medical checks - once it’s done, it’s done.
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If I give up smoking, will my premium decrease?
If you have been smoke-free for 12 months, you may be eligible for a premium decrease. Please contact us to discuss your individual situation.
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If I give up smoking, will my premium decrease?
If you have been smoke-free for 12 months, you may be eligible for a premium decrease. Please contact us to discuss your individual situation.
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What is a Joint Owner?
A Joint Owner is the person who owns the policy with you. If you choose to have a Joint Owner, they will have joint ownership rights to the policy. This means they will need to consent to any changes to your policy after purchase such as change of address, wanting to increase or decrease the policy value or requesting a premium holiday.