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Why choose State to cover your car
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Save with State
Insure your car and your contents with us and you'll save with our Multi-Policy Discount.
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Agreed value
We'll pay the value that we agreed when you took out or last renewed your insurance policy, rather than the market value.
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Additional coverage
Add extra benefits to Car Comprehensive cover to suit your needs and budget.
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Simple online claims for car accidents
Lodge your claim online if a car accident happens.
*Discounts apply to the base premium amount (or the net base premium after deduction of any other
discount(s)) and do not apply to government levies, GST or optional extensions.
Save $50 on comprehensive, $25 on third party, fire and theft, or $10 on third party only car insurance
online. Discount applies to first year’s premium. The offer may change or end at any time.
Terms and conditions apply.
Compare car insurance options
- Online discount
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Save $50
Save $25
Save $10
- Multi-policy discount
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yesyesyes
- Accidental loss or damage to your car
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yesyes
(for fire, theft, attempted theft or natural disaster only)no - Damage to someone else's vehicle or property
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yesyesyes
- Legal liability protection for damage and injury you cause up to $20 million
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yesyesyes
- Guarantee on most repairs by our approved repairer network
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yesyesyes
- Damage to your car caused by uninsured drivers
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yesyes
(up to $3,000)yes
(up to $3,000) - Towing expenses
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yesyesyes
- Transport expenses
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yesnono
- Up to $300 towards replacing keys and locks
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yesnono
- Policy documents
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This is only a summary of the benefits provided. Please refer to the Policy Wordings for details of the cover provided.
Add-ons for Car Comprehensive cover
Roadside rescue*
Over 1,000 Roadside Rescue vehicles are on call 24/7 around the country. No matter where you are, or who’s driving your car, help is just a phone call away.
0800 10 11 12
Windscreen glass cover*
If you’re claiming for accidental damage to your car’s windscreen, windows, sun-roof or driving lights, there’s no excess to pay.
Hire car
We’ll provide a free hire car for you (or pay you $50 a day) for up to 14 days, if your car is being repaired, or is unrecovered after being stolen.
*Also available as an add-on for Third Party, and Third Party Fire & Theft Car insurance
Already with State?
With our State app you can login to view your policy details, make a claim or pay your renewal. Plus, use Crash Notes on the app to keep track of all your accident information.
Download for free
Questions? We’ve got you covered
Yes, you can adjust your policy excess where this option is available.
Please note, however, that most car policies have fixed excesses. To find out whether your excess can be adjusted, please email us.
- Annually by invoice (cheque, bill payment or credit card)
- Monthly direct debit payments from your bank account
- Monthly direct debits from your credit card
- Fortnightly direct debit payment from your bank account
- Fortnightly direct debits from your credit card
You can collect Fly Buys points if you’re a Fly Buys member and have given us your Fly Buys number.
If you need to make a claim on your personal motor vehicle, home or contents policies, you can do this online. For all other policy types, please call us on 0800 80 24 24.
You can pay your premiums online, as a bill payment by phone or internet, by credit card over the phone, but direct debit, by cheque, or in person at your nearest New Zealand Post. View full answer
To be eligible for our multi-policy discount, you’ll need to have your contents insured with State plus one other qualifying policy. We’ll apply this discount to every policy that qualifies for it. View full answer
Cover for windscreen damage can be added to all car policies, including, comprehensive, third party, fire and theft and third party only policies. When you add the windscreen extension cover to your policy, you can claim for any accidental damage to your windscreen, windows, sunroof, and driving lights without having to pay an excess.
We recommend that you name any driver who’s under 25, or is likely to drive your vehicle on a regular basis. In the event of an accident, young drivers who aren’t named on your policy will pay a higher excess than those who are. View full answer