Currently, we don't offer discounts for drivers with a Full New Zealand Drivers Licence.
However, if you have had your Full New Zealand Drivers Licence for 2 or more years, you may be eligible for a lower excess.
A driver without a Full New Zealand Drivers Licence for at least 2 years may have a higher excess if they made a claim. For example: Joe Bloggs has a Restricted New Zealand Drivers Licence or an International Drivers Licence. In addition to the standard excess, Joe Bloggs as an inexperienced driver excess.
| Driver | Licence held | Excess in event of a claim |
| John Doe | Full NZ Drivers Licence Held for at least 2 years |
Standard excess |
| Joe Bloggs | Restricted NZ Drivers Licence Held for 6 months |
Standard excess Inexperienced driver excess |
| Fred Nerk |
Overseas Drivers Licence |
Standard excess |
You can check your excess through My AA Insurance to see your policy schedule, which will note all excesses.