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 some natural disaster perils. Our policy’s definition of natural disaster follows the Earthquake Commission Act 1993 definition but is limited to earthquake, natural landslip, volcanic eruption, hydrothermal activity, tsunami or natural disaster fire. Flood and storms are excluded. 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.
All repairs done by our approved repairer network are quality guaranteed as long as you own the car and it’s insured with State.
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.
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.
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 pay the cost of clearing debris from a road or parking area after an incident covered by this policy.
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.
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 Insurance policy document (PDF).