Loss or damage to your car caused by fire or theft
You're covered if your car is stolen, or damaged by an attempted theft or conversion, or by fire. You’re also covered if your car is damaged by natural disaster. If your car is repairable, we’ll either arrange to have it repaired to the condition it was in before the damage occurred, or we’ll pay you the cost of repairing it.
If it’s uneconomic to repair your car, we’ll either pay you the sum your car was insured for, or we’ll pay you market value. This is what your car was worth before it was damaged.
Guarantee on all repairs by our approved repairer network
All repairs done by our approved repairer network are quality guaranteed as long as you own the car and it’s insured with State.
Legal liability protection for damage you cause
We’ll cover your legal liability if you damage someone else’s property or accidentally 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.
This cover extends to anyone else driving your car if you gave them permission to use it where they don’t have any other insurance and they meet the same terms of this policy that you must meet.
Damage caused by uninsured drivers
Your car is covered for up to $3,000 for damage caused by another driver if you can prove it was the other driver’s fault and give us the registration number of the other driver’s vehicle and their identifying information. You’ll also need to help us recover your claim from the driver or the owner of the other driver’s vehicle.
Towing and transport costs
If your car isn’t driveable because of damage covered by this policy we’ll pay to get it to a repairer or a safe place.
We’ll also get you, your family, other passengers and pets either to your home or your nearest destination. And if your car is found after it has been stolen, or converted, we’ll also cover the cost of getting it back to you.
Road clearing costs
We’ll pay the cost of clearing debris from a road or parking area after an incident covered by this policy.
More about Car third party, fire and theft insurance
If parts needed for a claim aren’t available in New Zealand, we’ll pay you the last known price for them in New Zealand, along with the reasonable fitting cost.
We’ll cover up to $5,000 of the legal costs incurred by you, your partner or a family member of defending a charge such as manslaughter or dangerous driving causing death.
Download our Car third party fire and theft insurance policy