State Car Insurance
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Table of Contents
[Accessed August 22, 2023]
About State Insurance
State has been providing insurance solutions to New Zealanders for over 100 years.
With a strong focus on understanding your insurance needs, they manage approximately 900 000 policies for more than 400 000 individuals across the country.
Going beyond physical assets
While many people associate insurance with physical assets like houses and cars, they recognise that the most precious things in life are families, photographs, and family heirlooms. That's why they’re committed to protecting the things that matter most to you.
What sets them apart is their customer-centric approach. They place you at the center of everything they do, whether it's offering protection for valued possessions or supporting the local community. State takes pride in its transparent and ethical business practices, both internally and externally.
Trusted and aligned: State's Insurance Council of New Zealand membership
State operates as a business concern of the American International Group (IAG), a leading market player dedicated to making the world a safer place. IAG has received a strong AA- rating from Standard & Poor’s Pty Ltd, highlighting its ability to compensate claims effectively.
With a solvency ratio of 150.1%, IAG New Zealand Limited ensures financial stability and security for its policyholders.
As an affiliate of the (ICNZ), they adhere to the ICNZ fair insurance code. This industry organisation illustrates fire and broad underwriters in New Zealand and provides valuable customer guidance regarding insurance.
Empowering talent: A culture of recognition and growth
Nurturing a diverse and inclusive workforce
State values its people and continually strives to improve the working environment for its staff. The company fosters a culture of diversity, recognising that talent knows no boundaries. Through annual diversity censuses and initiatives like the RT program, they promote inclusivity and celebrate the unique contributions of its diverse workforce.
Earn, save, and enjoy: Unlocking benefits with State's Flybuys
State offers the Flybuys reward program, enabling you to earn points for every $25 of premium paid on your policy. Flybuys members can choose to redeem their points for various rewards, including items from the Flybuys store, fuel discounts at Z or Caltex, or savings on groceries at New World.
They’re the only general insurance company in New Zealand to participate in the Flybuys program, providing you with added value to your insurance experience.
Why should you have car insurance in New Zealand?
Car insurance is important in New Zealand to protect yourself financially from potential risks and liabilities associated with owning and operating a vehicle. Accidents, damage, theft, and other unforeseen events can result in significant expenses.
Car insurance provides financial coverage and peace of mind by helping to cover repair costs, medical expenses, liability claims, and other related expenses.
Is car insurance mandatory in New Zealand?
While car insurance is not legally required for all drivers in New Zealand, it’s highly recommended. It’s mandatory to have third-party car insurance if you want to register your vehicle with the New Zealand Transport Agency (NZTA).
Third-party insurance covers you for damages caused to someone else's property or injury to others caused by your vehicle. Comprehensive insurance, which covers damage to your own vehicle as well, is not legally required but is strongly advisable.
State Insurance Services
They offer three levels of cover to suit your needs: Car comprehensive offering you a $50 online discount, Third party, fire & theft offering you a $25 online discount, and Third party only offering you a $10 online discount.
Choose from three levels of State car insurance cover to suit your needs
1. Comprehensive car insurance provides broad protection
- Coverage for accidental loss or damage to your car
- Repairs by any repair service nationwide
- Guaranteed repairs by approved repairer network
- Up to $300 coverage for key and lock replacement
- Legal liability protection for damage and injury caused by you
- Medical expenses coverage up to $500 in case of an accident
- Coverage for transport and towing expenses
- Trailer cover: Market value payout or up to $750 for trailer repairs (with $100 excess)
- Road clearing expenses coverage for accidents
- Accidental death and disablement coverage: $2 000 payout for death, $1 000 for permanent loss of use of a hand, foot, or eye
- Manslaughter defence coverage: Up to $5 000 in legal costs for defending charges related to driving the car
2. Your complete guide to third-party, theft and fire coverage
- Loss or damage coverage for your car caused by fire, theft, attempted theft, or certain natural disasters
- Includes repairs to restore the car to pre-damage condition or compensation for repair costs
- Compensation options include sum insured or market value if repairs are uneconomical
- Guaranteed repairs provided by the approved repairer network
- Legal liability protection for damage caused to others' property or accidental injury while driving
- Cover extends to approved legal defence costs
- Coverage extends to other drivers with your permission, meeting policy terms and lacking other insurance
- Damage caused by uninsured drivers, up to $3 000 is included
- Requires evidence of the other driver's fault and cooperation in recovering the claim
- Coverage for towing costs when the car is undrivable due to covered damage
- Coverage for road clearing costs after an incident covered by the policy
- Manslaughter defence coverage, with up to $5 000 for legal costs incurred by you, your partner, or a family member defending charges of manslaughter or dangerous driving causing death
3. The options available under third-party-only coverage
- Legal liability protection for damage caused by you while driving your car or another vehicle
- Coverage extends to anyone else driving your car with your permission, under the same policy terms
- Costs of legal defence covered with prior approval
- Coverage for damage caused by uninsured drivers, up to $3 000
- Requires proof of fault and details of the other driver's vehicle
- Assistance needed to recover the claim from the driver or vehicle owner
- Towing costs are covered if your car is undrivable due to covered damage
- Coverage for road clearing costs after an incident covered by the policy
- Manslaughter defence coverage, up to $5 000 for legal costs incurred by you, your partner, or a family member defending charges of manslaughter or dangerous driving causing death
Rest assured that all repair work carried out by their approved repairers is quality guaranteed, giving you peace of mind and confidence in the repairs.
For added convenience, they offer optional covers such as Roadside Rescue, No Excess Windscreen and Glass Cover, and Hire Car, which can be added to your policy during the purchase process. Their online platform allows you to get a quote, purchase insurance, lodge claims, and manage your policy through My State, your online account.
State Insurance – Car insurance
- Product Car Insurance
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Claims
Strong AA- rating from Standard & Poor’s Pty Ltd for effective claims compensation.
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Insurance Options
Three levels of coverage - comprehensive, third party, fire & theft, and third party only.
Benefits of State Insurance
- Over 100 years of providing insurance solutions to New Zealanders.
- Managing approximately 900k policies for over 400k individuals.
- Commitment to protecting families, photographs, heirlooms, and valued possessions.
- They place customers at the center of business practices and will take good care of you.
- They operate under the American International Group (IAG) and adhering to ICNZ fair insurance code.
Get a quote and uncover your savings potential
Getting State car insurance is quick and easy. They offer a seamless online application process that allows you to get a quote and purchase your policy conveniently.
Tailor your coverage to suit your needs
1. Get a quote
Visit their website and click on the "Get a Quote" button. You'll be prompted to enter some basic information about yourself and your vehicle. Provide accurate details to ensure an accurate insurance quote.
2. Customise your coverage
Once you receive your quote, you can customise your coverage based on your needs. Review the coverage options and select the one that best suits your requirements.
3. Provide additional information
During the application process, you may be asked to provide additional information such as your driver's license details, vehicle registration number, and any relevant claims history. This information helps them tailor the policy to your specific circumstances.
4. Review and confirm
Carefully review the policy details, including the coverage, terms, and conditions. If everything looks good, proceed to confirm your purchase. You may have the option to pay the premium in full or select a payment plan that suits your budget.
5. Finalise and receive policy documents
Once you've confirmed your purchase, you’ll receive your policy documents via email or mail. These documents will outline the coverage you’ve selected, policy limits, and important contact information.
6. Manage your policy online
With State's online account, My State, you can conveniently manage your car insurance policy online. Through My State, you can access your policy documents, make changes to your coverage, lodge claims, and more.
From accidental loss to vicarious liability: Understanding your policy's extent
Coverage, exclusions, and additional benefits
The policy covers accidental loss for different levels of coverage. Under Comprehensive Cover (CC), sudden and accidental loss to the car during the period of cover in New Zealand is covered. Under Third Party, Fire & Theft (TPFT) cover, sudden and accidental loss caused by fire, theft or attempted theft, or natural disaster is covered. However, under Third Party Only (TPO) cover, there is no coverage for accidental loss.
Under CC, there’s coverage for accidental death and permanent disablement, with specific amounts provided for different events. Exclusions are mentioned, such as not covering death resulting from suicide or self-inflicted injury.
Other benefits include excess protection, coverage for keys and locks, legal liability for bodily injury or property damage, coverage for general average charges during transit, coverage for other people's liability while using the car with permission, and coverage for reparation in case of committing an offence with the car.
From alcohol to terrorism: 6 Surprising exclusions that leave you vulnerable
- Alcohol, drugs, and other intoxicating substances: There is no coverage if the driver of the vehicle exceeds the legal alcohol limit, refuses a breath or blood test after an accident, or is under the influence of drugs or intoxicating substances to an extent that they cannot control the vehicle. Failure to stop or remain at the scene of an accident also voids coverage unless the vehicle was stolen, provided a complaint is filed with the police.
- Electronic data and programs: Losses associated with electronic data, including damage, costs, expenses, prosecutions, or liabilities, are not covered unless they result in physical damage to other covered property that is not otherwise excluded.
- Intentional or reckless acts: Losses arising from intentional or reckless acts or omissions by you or anyone covered under the policy are not covered.
- Modified vehicle: Coverage is not provided for vehicles that have been modified unless the details of all modifications are provided to the insurer and a written agreement for continued coverage is obtained.
- Unlicensed drivers: There is no coverage if the driver does not comply with the conditions of their driver's license or is not legally allowed to drive in New Zealand, unless the vehicle was stolen, provided a complaint is filed with the police.
- Wear, tear, depreciation, and loss of use: Depreciation, wear and tear, rust or corrosion, loss of use, gradual deterioration, and consequential losses are generally not covered unless otherwise stated.
State Insurance Contact
Physical Address
- New Zealand
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Postal Address
- PO Box 3233, Wellington, 6140, New Zealand
Opening Hours
- not available