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Electrifyingly good EV insurance.

Same great car cover. Fully charged for electric vehicles and hybrids.

Grab a quote
Call us 0800 80 24 24

Comprehensive cover from bumper to battery.

Big cover. No worries.

With Comprehensive car insurance, your EV gets all the same bells and whistles as a petrol car. Damage, dings, fire, and theft. Covered.

EV parts. Sorted.

From EV-specific parts to the everyday essentials. We cover repairs or replacement if your EV’s insides or battery are damaged in a crash.

Charger chaos covered.

Lost charger? Dog chewed your EV’s charging cable? Chargers and charging cables that came with your car from the manufacturer are covered for loss and damage. Phew.

Compare the best car cover for your EV

Select cover option

All the bells and whistles.

Comprehensive

Comprehensive

More info
Theft of your car
Accidental damage to windscreens and windows
Accidental loss or damage to your car
Fire damage to your car
Accidental damage caused by flood or storm
Vandalism of your car
Guarantee on repairs by our preferred repairers for covered claims
Damage caused by uninsured drivers of another vehicle
Damaging someone else’s car or property (up to $20million)
Injuries you cause when using your car (up to $1million)
New car replacement (If your car is written off, we’ll replace some newer cars with a brand new car)
Transport home if your car is stolen or damaged
Replacement keys and locks
Children’s car seats
Towing

Optional benefits

Optional benefits

Excess-free glass cover for windscreens and windows

Optional extra

Hire car or alternative transport, like taxis, while yours is being fixed (up to 21 days)

Optional extra

Trailer cover

Optional extra

State Roadside Rescue

Optional extra

Some-frills.

Third Party, Fire & Theft

Third Party, Fire & Theft

More info
Theft of your car
Accidental damage to windscreens and windows
Accidental loss or damage to your car
Fire damage to your car
Accidental damage caused by flood or storm
Vandalism of your car
Guarantee on repairs by our preferred repairers for covered claims
Damage caused by uninsured drivers of another vehicle

Up to $5,000

Damaging someone else’s car or property (up to $20million)
Injuries you cause when using your car (up to $1million)
New car replacement (If your car is written off, we’ll replace some newer cars with a brand new car)
Transport home if your car is stolen or damaged

If your car is stolen

Replacement keys and locks
Children’s car seats
Towing

Optional benefits

Optional benefits

Excess-free glass cover for windscreens and windows

Optional extra

Hire car or alternative transport, like taxis, while yours is being fixed (up to 21 days)

Optional extra

Trailer cover
State Roadside Rescue

Optional extra

No-frills.

Third Party Only

Third Party Only

More info
Theft of your car
Accidental damage to windscreens and windows
Accidental loss or damage to your car
Fire damage to your car
Accidental damage caused by flood or storm
Vandalism of your car
Guarantee on repairs by our preferred repairers for covered claims
Damage caused by uninsured drivers of another vehicle

Up to $5,000

Damaging someone else’s car or property (up to $20million)
Injuries you cause when using your car (up to $1million)
New car replacement (If your car is written off, we’ll replace some newer cars with a brand new car)
Transport home if your car is stolen or damaged
Replacement keys and locks
Children’s car seats
Towing

Optional benefits

Optional benefits

Excess-free glass cover for windscreens and windows

Optional extra

Hire car or alternative transport, like taxis, while yours is being fixed (up to 21 days)
Trailer cover
State Roadside Rescue

Optional extra

All the bells and whistles.

Comprehensive

Comprehensive

More info
Some-frills.

Third Party, Fire & Theft

Third Party, Fire & Theft

More info
No-frills.

Third Party Only

Third Party Only

More info
Theft of your car
Accidental damage to windscreens and windows
Accidental loss or damage to your car
Fire damage to your car
Accidental damage caused by flood or storm
Vandalism of your car
Guarantee on repairs by our preferred repairers for covered claims
Damage caused by uninsured drivers of another vehicle

Up to $5,000

Up to $5,000

Damaging someone else’s car or property (up to $20million)
Injuries you cause when using your car (up to $1million)
New car replacement (If your car is written off, we’ll replace some newer cars with a brand new car)
Transport home if your car is stolen or damaged

If your car is stolen

Replacement keys and locks
Children’s car seats
Towing

Optional benefits

Optional benefits

Excess-free glass cover for windscreens and windows

Optional extra

Optional extra

Optional extra

Hire car or alternative transport, like taxis, while yours is being fixed (up to 21 days)

Optional extra

Optional extra

Trailer cover

Optional extra

State Roadside Rescue

Optional extra

Optional extra

Optional extra

Plain language policy wording

This is a summary only. For a full list of the benefits, exclusions and other terms, read the policy wording.

Our NZ car insurance policies are written in plain language, making them easier for you to read, understand, compare, and act on. 

Note: If you’re already insured with us, you may have a different policy wording to the one outlined above. Check your details and find your policy on our policy documents page.

 

Benefits to brag about.

24/7 Roadside help.

Add State Roadside Rescue for just $39 a year. Get five callouts a year for anyone driving your EV, hybrid or plug-in hybrids (PHEV). No more roadside pickles. T&Cs apply.

No small talk. Just quick claims.

Make car claims online. We even auto-approve them sometimes. Zippy.

Back on the road faster.

Good news, State customers. Special pricing1 at high-tech AMI MotorHub centres for EV servicing and repairs. Quality guaranteed2.  Plus, a complimentary hybrid or EV courtesy car3 during claim repairs. Woohoo. 

Backed-up by the goods.

Highly commended in the New Zealand, General Insurer of the Year category for 11 years in a row.

Committed to treating you fairly. Proudly displaying our Fair Insurance Code credentials.

Our AA Financial strength rating means we have a very strong claims-paying ability.

Electric Vehicle FAQs. Answered.

It depends. We don’t cover mechanical, electronic or electrical issues or general wear and tear. If you've taken out Comprehensive car cover, then you’re covered for sudden and accidental physical loss or damage to your EV battery. If you have Third party, fire and theft cover, you’re covered for sudden and accidental physical loss or physical damage to your EV battery caused by fire, theft and some natural disasters. Please read the full cover details in the State Car insurance policy wording.

For example:

Your EV's battery is damaged due to a collision - this is covered.

Your EV's battery is damaged due to wear and tear - this is not covered.

If you choose to install a charging station in your home, it wouldn't be covered under your car insurance. However, it is covered under a State Home Comprehensive Insurance policy, if permanently wired in by an electrician.

Yes, we do. State treats electric motorcycles the same as equivalent petrol-powered motorbikes and these can be covered under our Motorcycle Insurance policy. With our Motorcycle Comprehensive Cover, your electric motorcycle would be covered for sudden and accidental loss or damage, including fire and theft.

  1. Available for AMI, State & NZI customers and ASB, BNZ, The Cooperative Bank & Westpac customers with a Car policy.
  2. While you own the car and it’s insured with AMI, State, NZI, ASB, BNZ, The Cooperative Bank or Westpac.
  3. Courtesy cars are subject to availability.