Call us anytime on 0800 80 24 24

Car insurance

If you need to make a claim under your Car insurance policy, call us on 0800 80 24 24 or make your claim online.

You’ll need to tell us:
  • Who was driving your car at the time of the accident
  • Their driver’s licence details
  • The date, time and place of the accident
  • Details about any other vehicle involved, including the make, model and registration number, the driver and/or owner’s name and their insurance and contact details
  • Owner of any animal involved and their insurance details
  • Owner of any property that was damaged and their insurance details
  • The name/s and contact details of any witnesses.
Suspected theft or intentional act

If you think the loss of or damage to your car is the result of theft or an intentional act, call the Police. They’ll give you an incident reference number that confirms your loss. You’ll need this form to help us with your claim.

What to do in an accident

Stop straight away and help anyone who’s injured. Call an ambulance if it’s needed and tell the Police within 24 hours. If an animal has been injured and you can’t find the owners, tell the SPCA or the Police as soon as you can.

Give your name and address to owners of cars or property that’s been damaged. If other drivers are involved, try to find out whether they’re insured and who they’re insured with.

And if your claim involves damage to someone else’s property, or injury to someone else, don’t admit you’re at fault. Simply say you need to speak to your insurer, and call us on 0800 80 24 24.

The excess you’ll have to pay

The excess is the contribution that you pay towards your claim. The standard vehicle excess is $300, but different excesses could have been imposed or agreed. Check your policy schedule to find out what your excess is, or if you’re unsure call us on 0800 80 24 24.


Contents insurance

If you need to make a claim under your Contents insurance policy, call us on 0800 80 24 24 or make your claim online.

You’ll need to tell us:
  • What damage or loss has occurred
  • When, where and how it happened
  • Any steps you’ve taken to prevent further damage or loss
  • If there’s any finance on the item/s you’re claiming for.
You’ll also need to provide

You’ll also need to give us information about the contents you’re claiming for such as the age, when you bought them and where.

Helpful information includes:
  • Receipts
  • Photographs
  • Valuations
  • Serial numbers
  • Any other evidence that supports your ownership such as a warranty.
Suspected burglary, theft or intentional act

If you think the loss or damage is the result of burglary, theft or an intentional act, call the Police. They’ll give you an incident reference number that confirms your loss. You’ll need this number to help us with your claim.

Important information

Make sure you take precautions to prevent any further loss or damage, but don’t spend any money on repairs or replacement until you’ve spoken to us. If it’s an emergency, go ahead, but keep any receipts so you can claim a reimbursement.

If your claim involves damage to someone else’s property, don’t admit you’re at fault. Simply say you need to speak to your insurer, and call us on 0800 80 24 24.

The excess you’ll have to pay

The excess is the contribution that you pay towards your claim. The standard excess is $250, but different excesses could have been imposed or agreed.

Check your policy schedule to find out what your excess is, or if you’re unsure call us on
0800 80 24 24.


Home insurance

If you need to make a claim under your Home insurance policy, call us on 0800 80 24 24 or make your claim online.

You’ll need to tell us:
  • What damage or loss has occurred
  • When it happened
  • What caused it or how it happened
  • Any steps you’ve taken to prevent further damage or loss.
Suspected burglary, theft or intentional act

If you think the loss or damage is the result of burglary, theft or an intentional act, call the Police. They’ll give you an incident reference number that confirms your loss. You’ll need this form to help us with your claim.

Important information

Make sure you take precautions to prevent any further loss or damage, but please don’t spend any money on repairs or replacement until you’ve spoken to us. If it’s an emergency, go ahead, but keep any receipts so you can claim a reimbursement.

And if your claim involves damage to someone else’s property, or injury to someone else, don’t admit you’re at fault. Simply say you need to speak to your insurer, and call us on
0800 80 24 24.

The excess you’ll have to pay

The excess is the contribution that you pay towards your claim. The standard home excess is $400, but different excesses could have been imposed or agreed.

Check your policy schedule to find out what your excess is, or if you’re unsure call us on
0800 80 24 24.


Travel insurance

If you’re still overseas and you want to make a claim, call us on +64 9 300 8582.

If you’re making a claim after you’ve returned, call us on 0800 500 325. Or you can download a claim form and send the completed form to:

State Travel Insurance
c/o Cover-More Claims Department
PO Box 105-203
Auckland 1143

You’ll need to tell us:
  • When and where the event happened
  • Other details about your claim such as if someone else was involved, whether you contacted the police or a doctor
  • Details of expenses.

You’ll also need to provide accounts and receipts for all the costs you’re claiming for.

For medical expenses and medical-related expense claims please tell us:
  • What happened, when and where the event occurred
  • Full details of the injury or illness, including symptoms (if any) and whether you’ve suffered it before
  • The amount and type of medical expenses you're claiming for.

You’ll also need to supply a doctor’s certificate.

For personal effects, money and documents claims you’ll need to provide:
  • Proof of purchase, date and price
  • The replacement cost
  • Acknowledgment of loss or damage from the police or transport provider.
The excess you’ll have to pay

The excess is the contribution that you pay towards your claim. You have the ability to choose your excess level, which is displayed on your Certificate of Insurance. Your chosen level of excess is deducted for each event.

You’ll also need to provide any other information required by the insurer.

Check your Certificate of Insurance to find out what your excess is, or if you’re unsure, call us on 0800 500 325.

For 24 hour emergency assistance please call direct and toll free from:

New Zealand: 09 300 8580
Australia: 1800 810 095
United Kingdom: 0808 234 4360
United States: 1866 894 5264
Canada: 1877 416 3486
All other countries: +64 9 300 8580


Life insurance

Our life insurance policies are underwritten by Sovereign Assurance.

To make a claim call a Sovereign claims specialist on 0800 500 195. The claims specialist will let you know exactly what information is needed to assess the claim.

For a Life Cover and Accident insurance claim you’ll need to provide:
  • A death certificate
  • A coroner’s report, if one was issued
  • A completed discharge form
  • A pre-printed deposit slip for the account that the benefit is to be paid into.

If the person who is insured was the sole owner of the policy, Sovereign will also require the grant of administration – probate or certificate of administration, or letters of administration.

For a Living Cover or terminal illness claim you’ll need to provide proof of the condition or illness that you’re claiming for, such as medical reports or other information.

For an Injury insurance claim you’ll need to provide details of how, when and where the injury was sustained, as well as evidence of the injury such as medical reports.

Important information: Although most people can be covered, all applications are subject to individual consideration. Special conditions, exclusions or premium loadings may apply.

For more information, please call 0800 500 195.


Motorbike insurance

If you need to make a claim under your Motorcycle insurance policy, call us on 0800 80 24 24.

You’ll need to tell us:
  • Who was driving your motorbike at the time of the accident
  • Their driver’s licence details
  • The date, time and place of the accident
  • Details about any other vehicle involved, including the make, model and registration number, the driver and/or owner’s name and their insurance and contact details
  • Owner of any animal involved and their insurance details
  • Owner of any property that was damaged and their insurance details
  • The name/s and contact details of any witnesses.
What to do if you have an accident

Stop straight away and help anyone who's injured. Call an ambulance if it's needed and tell the Policy within 24 hours. If an animal has been injured and you can't find the owners, tell the SPCA or the Police as soon as you can.

Give your name and address to owners of cars or property that has been damaged. If other drivers are involved, try to find out whether they're insured and who they're insured with.

And if your claim involves damages to someone else's property, or injury to someone else, don't admit you're at fault. Simply say you need to speak to your insurer, and call us on 0800 80 24 24.

Our brochure ensures you’ll know what to do in the event of a motoring accident and all the information you’ll need to record.

Suspected theft or intentional act

If you think the loss of or damage to your motorcycle is the result of theft or a deliberate intentional act, call the Police. They’ll give you an incident reference number that confirms your loss. You’ll need this form to help us with your claim.

The excess you’ll have to pay

The excess is the contribution that you pay towards your claim. The standard motorcycle excess is $300, but different excesses could have been imposed or agreed.

Check your policy schedule to find out what your excess is, or if you’re unsure call us on
0800 80 24 24.


Car extended warranty

If you need to make a claim for repairs to your car, call us on 0800 203 041.

We’ll let you know where to find our nearest preferred repairer. If your vehicle can be driven safely without causing further damage, drive it to the repairer, otherwise have it towed there.

Present your policy and service record to the repairer and ask them to contact State before they begin any repair work. They’ll need to diagnose the fault and advise us what it is and the cost of repairs before we can accept your claim.

They may have to dismantle your car’s motor to determine if there’s a valid claim, but they can’t do this without your authorisation.

Provided you’ve serviced your car regularly and you’ve complied with the terms and conditions of your policy, we’ll accept your claim and provide your repairer with an authorisation number for the agreed cost.

Once the repairs are completed, all repair invoices must be forwarded to State within 30 days of the claim being authorised. These must detail repairs, labour, parts and outwork (separate invoices required) and they must quote the original authorisation number we provided, and your policy number.

We’ll pay your repairer directly all costs as agreed, less any excess payable by you, within 10 working days of receiving completed invoices.

We won’t pay any additional repair, labour or parts costs above what we initially agreed without approving them first. Nor do we guarantee any repairs carried out under this policy.

The excess you’ll have to pay

The excess is the contribution that you pay towards your claim. Check your policy schedule to find out what your excess is, or if you’re unsure call us on 0800 203 041.


Other insurance

If you need to make a claim, call us on 0800 80 24 24. We’re here 24/7.

You’ll need to tell us:
  • What damage occurred
  • When, where and how it happened
  • Any steps you took to prevent further damage or loss.
If you’re making a claim for burglary, theft or intentional damage, you’ll need to contact the Police and provide us with:
  • Full details of what happened and when
  • Steps you’ve taken to prevent further damage or loss
  • The police incident reference number.
Helpful information to provide

You may also need to give us information about any accessories, contents or equipment you’re claiming for such as:

  • Receipts
  • Photographs
  • Valuations
  • Serial and model numbers
  • Registration numbers
  • Any other evidence that supports your ownership.
Important information

Make sure you take precautions to prevent any further loss or damage, but don’t spend any money on repairs or replacement until you’ve spoken to us. If it’s an emergency, go ahead, but keep any receipts so you can claim a reimbursement.

And if your claim involves damage to someone else’s property, don’t admit you’re at fault. Simply say you need to speak to your insurer, and call us on 0800 80 24 24.

The excess you’ll have to pay

The excess is the contribution that you pay towards your claim. Check your policy schedule to find out what your excess is, or if you’re unsure call us on 0800 80 24 24.


Business insurance

If you need to make a claim under your Business insurance policy, call us on 0800 80 24 24.

Because our Business and Farm insurance is tailored to your business, and because every business’s situation is different, the information we require from you to help process a claim will vary.

We invite you to call us to discuss your claim so we can help you identify the information you’ll need to provide.

In the meantime, make sure you take reasonable precautions to prevent any further loss or damage. Unless it’s an emergency, don’t spend any money on repairs or replacement without talking to us first, and always keep your receipts.

And if your claim involves damage to someone else’s property, or injury to someone else, don’t admit you’re at fault. Simply say you need to speak to your insurer, and call us on 0800 80 24 24.