Car Comprehensive

Accidental loss or damage to your car

If your car is damaged but repairable, we may arrange to repair it as near as possible to the condition it was in before the loss, or we’ll pay you the cost of the repairs.

If it’s uneconomic to repair your car, we’ll either pay you the amount your car was insured for, or we’ll pay you market value, this is what your car was worth before it was damaged. If you bought the car new less than a year before the damage, we may replace it with a new one.

Repairs carried out by any repair service nationwide

You can choose to have your car repaired by any authorised repair service. At State we have a large network of approved repairers.

Guarantee on most repairs by our approved repairer network

Most repair work done by our approved repairer network is quality guaranteed while you own the car and it’s insured with State.

Up to $300 to replace your keys and locks

We’ll pay the reasonable cost of replacing stolen or lost keys and locks up to $300 – and you won’t have to pay the excess either.

Legal liability protection for damage and injury you cause

We’ll cover your legal liability if you accidentally damage someone else’s property or injure someone when you’re driving your car or another vehicle. Provided they’re approved in advance by us, we’ll also cover the costs of your legal defence.

Our legal liability also extends to anyone else driving your car - as long as you gave them permission to use it, where they’re not covered by any other insurance, and they meet the same terms of this policy that you must meet.

Medical expenses up to $500 in the event of an accident

If you or your partner is injured in a car accident that you claim for, and you need to pay for treatment, you’re covered for up to $500 per annum.

Transport and towing expenses

If your car isn’t driveable after an accident we’ll cover the cost of getting it to a repairer or safe place.

We’ll also get you, your family, other passengers and pets either to your home or your nearest destination.

More about Car comprehensive insurance

Parts

If a part needed for your car isn’t available in New Zealand, we’ll pay you the last known price for it in New Zealand, along with the reasonable fitting cost.

Trailer cover

We’ll pay you the market value of a trailer or cover the cost of repairs up to $750 if your trailer is accidentally damaged. A $100 excess does apply.

Road clearing expenses

We’ll pay the cost of clearing debris from a road or parking area, where an accident is covered by the policy.

Accidental death and disablement

If you or your partner dies as a result of an accident covered by this policy, where either of you was driving your car at the time, we’ll pay out $2,000. We’ll also pay $1,000 for permanent loss of use of a hand, foot or eye.

Protection from uninsured drivers

You won’t have to pay the excess on a claim for damage caused by an uninsured driver if you can prove that the other driver was at fault, and give us the registration number of their vehicle and their contact details. You’ll also need to help us recover your claim from the driver or the owner of the other driver’s vehicle.

Manslaughter defence

We’ll cover up to $5,000 of the legal costs incurred by you, your partner or a family member in defending a charge in relation to driving your car such as manslaughter or dangerous driving causing death.

This information is intended as a guide only. There are exclusions and limits to the cover we provide. For the policy wording see our
Car comprehensive insurance policy (PDF).