This is just a summary. For a full list of the policy benefits, exclusions and terms, check your policy wording.
Our NZ car insurance policies are written in plain language, making them easier for you to read, understand, compare, and act on.
We’ve shrunk our car excesses without raising our price. Only $300 to claim with our standard car excess. Even for drivers under 25. Toot-toot.
We’ll cover the cost of the damage up to $20 million. We all make mistakes.
If someone pinches your car, we’ll pay out so you can replace it. Or for attempted theft that’s not-so grand, we’ll repair it.
We’ll cover the repairs or pay out so you can replace it after damage caused by fire. That’s lit.
This information is intended as a guide only. Exclusions and limitations apply. Talk to us about these or refer to the full policy wording.
Win-win for us. Good choice for you.
We’re Canstar’s 2024 and 2025 Car Insurer of the Year and Outstanding Value – Car Insurance Award winner.
Third Party, Fire and Theft
Up to $5,000
Optional extra
Up to $5,000
Optional extra
This is just a summary. For a full list of the policy benefits, exclusions and terms, check your policy wording.
Our NZ car insurance policies are written in plain language, making them easier for you to read, understand, compare, and act on.
Highly commended in the New Zealand, General Insurer of the Year category for 13 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.
Getting cheap car insurance can depend upon the level of cover you choose. In NZ, Third Party insurance is the lowest level of cover and can be the most affordable option, however it mostly protects you against damaging other people’s cars or property and not damage to your own car. Comparing policies is the best way to find the cheapest car insurance that still offers the cover you need.
Comprehensive car insurance covers both damage to your car and someone else’s property, while Third Party car insurance mostly covers damage to someone else’s car or property. Third Party, Fire and Theft policies provide cover for damage to someone else’s property, plus a little cover for your car in certain situations. Third Party can be a more affordable option but doesn’t provide the same amount of protection as a Comprehensive car insurance policy.
With State, drivers under 25 get the same great cover and the same low $300 excess on car policies. And with Comprehensive car insurance, choose an agreed value policy to get paid out what you insured your car for if it's written off or stolen. Nice one. View under 25 benefits.
To help you understand insurance better, we've explained some common insurance terms in our glossary. Visit State insurance terms glossary.
1Standard car excess refers to a publicly available default vehicle excess that direct insurers use to provide an initial quote. This excludes excesses negotiated with or provided by third parties who are not direct insurers, such as brokers. It would apply to any claims, except where excess is waived. The lowered excesses apply to new State car policies quoted on or after 17 May 2026. Existing State car policies will have them applied automatically from the next renewal on or after 27 June 2026.
