We get you’re busy. Who has time to compare car insurance? Not you. But we do. So we’ve put together a side-by-side comparison table of our car cover to save you time and make your choice easier.
When choosing cover, you’ll be looking for protection that’s affordable and well-suited to your needs. That’s why we offer three different options, which can be tailored by adding optional cover benefits. Here they are, lined up side-by-side, so you can choose the best car insurance for you.
*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.
With any State car insurance policy, if you choose to add Roadside Rescue, you get three call-outs a year for $30 bucks (that’s less than a dollar a week). We'll help rescue your car - any time, for any driver.
With any State car insurance policy, pay a little more and get excess free windscreen, windows, sun-roof and driving lights claims.
With State Car Comprehensive cover, you can choose to add our hire car optional cover. You’ll get a hire vehicle for up to 14 days while yours is being repaired or if it's stolen. If we can't get you a hire car, we'll give you $50 a day for that period.
Cover your car and contents with us and get our Multi-policy discount.
Manage and track your insurance on the go with your My State online account. Update your details. Make a claim. Pay a bill. Check your policy docs. All at the click of a button.
No need to call up. If you have an accident, lodge your claim through your My State online account.
Get Fly Buys points with every State policy. Pssst, we’re the only general insurer giving them away.
Provide the details of your wheels and consider the extras you might need, and we’ll get back to you with how much it’ll cost to get covered. Then, if you like what you see, buy your policy.
The car insurance policy that covers a range of situations where accidental damage might happen. You can choose to add optional extras to this policy.
When making a claim, the excess is the amount you have to contribute towards the repair or replacement. Then State provides the rest. Your excess amount is outlined within your policy documents.
Situations, events or items that aren’t covered by the insurance policy, and therefore cannot be claimed for. You can find a list of exclusions in your policy documents.
Is the value of your car at the time just before the loss has occurred. We decide upon this amount by comparing the cost of vehicles with the same specifications; make, model, year and condition at the time of the accident.
A fee that’s charged fortnightly, monthly, or yearly to pay for your insurance cover. It is calculated by considering your individual information and on a case-by-case basis.
A car insurance policy that covers your vehicle in the event of a fire, theft, or natural disaster. It also covers accidental damage to someone else’s vehicle or property. You can choose to add optional extras to this policy.
A third party is someone other than yourself who is involved in an accident you’ve been a part of. This car insurance policy covers accidental damage to a third-party’s vehicle or property but not for the damage to your own car. You can choose to add optional extras to this policy.