Car Comprehensive

State Car Comprehensive insurance is ideal if you want full cover for your car.

What you’re covered for:

• accidental loss or damage to your car anywhere in New Zealand
• choose to have repairs carried out by any repair service nationwide
• a quality guarantee on all repairs done to the car by our approved repairer network while you own it and it is insured with us
• if damage was caused to your car by identified uninsured drivers, you’ll pay no excess and get to keep your No Claim Discount
• up to $300 towards replacing your keys and locks if your keys are stolen with no effect on your excess
• legal liability protection for damage you cause to other people's property up to $20,000,000
• medical expenses up to $500 if involved in an accident
• transport and towing costs to get you home
• road clearing costs
• cover for your trailer up to $750 ($100 excess)
  

Optional extras:

• State Roadside Rescue - our 24 hour emergency breakdown service
• Hire Car cover for when you can’t use your car
• Windscreen, windows and driving lights - where you won’t have to pay an excess and won’t lose your No Claim Discount

For full information about the cover provided please read the Car Comprehensive policy document.

Discounts to help you save

Ask us if you qualify for:

• a No Claim Discount of up to 65%.
• our 65% Maximum No Claim Discount For Life.
• a premium discount for having an approved immobiliser or tracking device.
• a Multi Policy Discount - If you also have the contents in your own home insured with State.

To get a quote online click here or to find out more or to speak to a State sales representatives about your insurance needs call us on 0800 80 24 24 or visit your local State Sales Centre.

Car Third Party, Fire and Theft

State's Third Party, Fire and Theft Car Insurance suits people who only need limited cover for their car but want to be covered for damage they may do to other people’s cars or property.

What you're covered for:

• loss or damage to your car caused by fire or theft anywhere in New Zealand
• a lifetime guarantee on labour and parts for any repairs done by our Approved Repairers
• legal liability protection up to $20,000,000
• legal expenses up to $5,000 for defending a manslaughter charge
• towing costs following an insured loss
• road clearing costs following an insured loss
• damage caused to your car by identified uninsured drivers of up to $3,000 and you won't have to pay any excess

For full information about the cover provided please read the Car Third Party, Fire and Theft policy document.

Discounts to help you save

Ask us if you qualify for:

• a premium discount for having an approved immobiliser or tracking device.
• a Multi Policy Discount - If you also have the contents in your own home insured with State.

To get a quote online click here or to find out more or to speak to a State sales representatives about your insurance needs call us on 0800 80 24 24 or visit your local State Sales Centre.

Car Third Party Only

State's Third Party Only Car Insurance suits people who only want to be covered for damage they cause to someone else or their property.

What you're covered for:

• legal liability protection up to $20,000,000
• legal expenses up to $5,000 for defending a manslaughter charge
• towing costs following an insured loss
• road clearing costs following an insured loss
• damage caused to your car by identified uninsured drivers of up to $3,000 and you won't have to pay an excess

For full information about the cover provided please read the Third Party Only policy document. 

Discounts to help you save

Ask us if you qualify for:

• a Multi Policy Discount - If you also have the contents in your own home insured with State.

To get a quote online click here or to find out more or to speak to a State sales representatives about your insurance needs call us on 0800 80 24 24 or visit your local State Sales Centre.

Motorcycle

Choose the insurance option that is right for you with State’s Comprehensive or Third Party Only cover.

State Motorcycle Comprehensive Insurance is ideal if you want full cover for your motorcycle. 

What you’re covered for:

• accidental loss or damage to your motorcycle anywhere in New Zealand including while in transit within New Zealand
• up to 65% No Claim Discount based on driving experience
• 65% Maximum No Claim Discount for Life for qualifying customers
• up to $300 towards replacing lost or stolen keys with no excess to pay
• transport and towing costs to get you home
• road clearing costs
• legal liability up to $20,000,000
• no excess to pay for damage caused by an identified driver

For full information about the cover provided please read the Comprehensive Motorcycle policy document. 

State Motorcycle Third Party Only Insurance suits people who only want to be covered for damage to other people’s property. 

What you’re covered for:

• damage caused to your motorcycle by identified uninsured drivers up to $3,000 and you won’t have to pay the excess
• legal liability protection up to $20,000,000
• legal expenses up $5,000 for defending a manslaughter charge
• towing and road clearing costs following an insured loss

For full information about the cover provided please read the Motorcycle Third Party Only policy document. 

To find out more or to speak to a State sales representative about your insurance needs call us on 0800 80 24 24 or visit your local State Sales Centre.

Did you know . . . you can get cheaper motorcycle insurance when you also have the  contents in your own home insured with State.  To find out more call us on 0800 80 24 24 or visit your local State Sales Centre.