Car Insurance

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 (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 Flybuys points if you’re a Flybuys member and have given us your Flybuys 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, by direct debit 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