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Why choose State to cover your car

  • Save with State

    Save up to $50 when you buy online.* Plus if you insure your car and your contents with us you'll save even more with our Multi-Policy Discount.

    Find out more

  • 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.

  • Additional coverage

    Add extra benefits to Car Comprehensive cover to suit your needs and budget.

  • Simple online claims for car accidents

    Lodge your claim online if a car accident happens.

    Make a claim

*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.

Are you after cover for your business vehicle? Find out more about our Business vehicle insurance.

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Online discount

Save $50

Save $25

Save $10

Multi-policy discount
yes
yes
yes
Accidental loss or damage to your car
yes
yes
(for fire, theft, attempted theft or natural disaster only)
no
Damage to someone else's vehicle or property
yes
yes
yes
Legal liability protection for damage and injury you cause up to $20 million
yes
yes
yes
Guarantee on most repairs by our approved repairer network
yes
yes
yes
Damage to your car caused by uninsured drivers
yes
yes
(up to $3,000)
yes
(up to $3,000)
Towing expenses
yes
yes
yes
Transport expenses
yes
no
no
Up to $300 towards replacing keys and locks
yes
no
no
Policy documents
PDF  
PDF  
PDF  

This is only a summary of the benefits provided. Please refer to the Policy Wordings for details of the cover provided.

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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

State app for car insurance State app for car insurance

Questions? We’ve got you covered

Can I change my excess?

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.

What payment options do you offer?
  • 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
Do I get Fly Buys points on my State policies?

You can collect Fly Buys points if you’re a Fly Buys member and have given us your Fly Buys number.

How do I make a claim?

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.

How can I pay my premiums?

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

Do I get a discount if I have an existing car policy (i.e. now have two cars)?

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

If I have car insurance with State, am I covered for windscreen damage?

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.

Do I have to list everyone who drives my vehicle?

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

Looking for something else? Visit our Help Centre.

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