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Current policy documents

Car (includes Comprehensive, Third Party, Fire and Theft, and Third Party Only)

Applies to policies bought on or after 21 November 2024 or renewing from 12 May 2025
Policy version number SI6737/5 11/24 

State Car Insurance Change Summary

Important updates to your State Car policy

Applies to policies renewing from State Car Insurance SI6737/4 to State Car Insurance SI6737/5 on or after 12 May 2025

Car (includes Comprehensive, Third Party, Fire and Theft, and Third Party Only)

Applies to policies bought on or before 20 November 2024
Policy version number SI6737/4 10/19

Motorcycle (includes Comprehensive and Third Party Only)

Applies to policies bought on or after 23 March 2025 or renewing from 12 May 2025
Policy version number SI6738/4 03/25

Motorcycle Change Summary

Important updates to your State Motorcycle Insurance policy

Applies to policies renewing from State Motorcycle Insurance SI6738/3 to State Motorcycle Insurance SI6738/4 on or after 12 May 2025

Motorcycle (includes Comprehensive and Third Party Only)

Applies to policies bought on or before 22 March 2025
Policy version number SI6738/3 07/19

Trailer

Applies to new policies and renewing policies from 23 May 2016
Policy version number SI1058/8 05/19

Caravan

Applies to new policies and renewing policies from 1 July 2017
Policy version number SI1057/9 05/19

Roadside Rescue

Roadside Rescue (with Car insurance policy) Terms and Conditions (applies when bought from 21 November 2024) 

Home and Contents Comprehensive Change Summary

Important updates to your State Home and Contents Comprehensive policy.

Applies to policies renewing from State Home and Contents Comprehensive SI6995 03/24 to State Home and Contents Comprehensive SI6995/2 12/24 on or after 10 March 2025.

Home Comprehensive Change Summary

Important updates to your State Home Comprehensive policy.

Applies to policies renewing from State Home Comprehensive SI1048/9 04/19 to State Home and Contents Comprehensive SI6995/2 12/24 between 10 March 2025 and 26 May 2025.

Applies to policies renewing from State Home Comprehensive SI1048/9 04/19 to State Home and Contents Comprehensive SI6995 03/24 between 27 May 2024 and 9 March 2025. 

Home Essentials Change Summary

Important updates to your State Home Essentials policy.

Applies to policies renewing from State Essentials Comprehensive SI1048/9 04/19 to State Home and Contents Comprehensive SI6995/2 12/24 between 10 March 2025 and 26 May 2025.

Applies to policies renewing from State Essentials Comprehensive SI1048/9 04/19 to State Home and Contents Comprehensive 03/24 between 27 May 2024 and 9 March 2025. 

Home and Contents Comprehensive Policy Wording



Applies to policies bought on or after 9 December 2024 or renewing from 10 March 2025. 

Policy version number SI6995/2 12/24


Applies to policies bought between 10 March 2024 – 8 December 2024 or renewed between 27 May 2024 – 9 March 2025.

Policy version number SI6995 03/24

Home Comprehensive

Applies to policies bought between 1 July 2018 - 9 March 2024 or renewed between 01 July 2018 – 26 May 2024

Policy version number SI1048/9 04/19

Home Essentials

Applies to policies bought between 1 July 2018 - 9 March 2024 or renewed between 01 July 2018 – 26 May 2024

Policy version number SI1049/8 04/19

Home and Contents Comprehensive Change Summary

Important updates to your State Home and Contents Comprehensive policy.

Applies to policies renewing from State Home and Contents Comprehensive SI6995 03/24 to State Home and Contents Comprehensive SI6995/2 12/24 on or after 10 March 2025.

Contents Comprehensive Change Summary

Important updates to your State Contents Comprehensive policy.

Applies to policies renewing from State Contents Comprehensive SI1046/12 05/19 to State Home and Contents Comprehensive SI6995/2 12/24 between 10 March 2025 and 26 May 2025.

Applies to policies renewing from State Contents Comprehensive SI1046/12 05/19 to State Home and Contents Comprehensive SI6995 03/24 between 27 May 2024 and 9 March 2025. 

Contents Essentials Change Summary

Important updates to your State Contents Essentials policy.

Applies to policies renewing from State Contents Essentials SI1047/9 05/19 to State Home and Contents Comprehensive SI6995/2 12/24 between 10 March 2025 and 26 May 2025.

Applies to policies renewing from State Contents Essentials SI1047/9 05/19 to State Home and Contents Comprehensive SI6995 03/24 between 27 May 2024 and 9 March 2025. 

Home and Contents Comprehensive Policy Wording


Applies to policies bought on or after 9 December 2024 or renewing from 10 March 2025.

Policy version number SI6995/2 12/24 


Applies to policies bought between 10 March 2024 – 8 December 2024 or renewed between 27 May 2024 – 9 March 2025.

Policy version number SI6995 03/24

Contents Comprehensive

Applies to policies bought between 1 July 2018 - 9 March 2024 or renewed between 01 July 2018 – 26 May 2024

Policy version number SI1046/12 05/19

Contents Essentials

Applies to policies bought between 1 July 2018 - 9 March 2024 or renewed between 01 July 2018 – 26 May 2024

Policy version number SI1047/9 05/19

Landlord’s Home and Contents Change Summary

Important updates to your State Landlord’s Home and Contents policy.

Applies to policies renewing from State Landlord’s Home and Contents SI6996 03/24 to State Landlord’s Home and Contents SI6996/2 12/24 on or after 10 March 2025. 

Landlord's Change Summary

Important updates to your State Landlord policy

Applies to policies renewing from State Landlord SI1050/11 05/19 to State Landlord’s Home and Contents SI6996/2 12/24 between 10 March 2025 and 26 May 2025.

Applies to policies renewing from State Landlord SI1050/11 05/19 to State Landlord’s Home and Contents SI6996 03/24 between 27 May 2024 and 9 March 2025.

Landlord's Change Summary

Important updates to your State Landlord policy

Applies to policies renewing from State Home Comprehensive SI1048/9 04/19 (‘Tenants via a Landlord’) or a State Contents Comprehensive SI1046/12 05/19 (‘Tenants via a Landlord’) to State Landlord’s Home and Contents SI6996/2 12/24 between 10 March 2025 and 26 May 2025.

Applies to policies renewing from State Home Comprehensive SI1048/9 04/19 (‘Tenants via a Landlord’) or from State Contents Comprehensive SI1046/12 05/19 (‘Tenants via a Landlord’) to State Landlord’s Home and Contents SI6996 03/24 between 27 May 2024 and 9 March 2025.

Landlord's Change Summary

Important updates to your State Landlord policy.

Applies to policies renewing from State Home Essentials SI1049/8 04/19 (‘Tenants via a Landlord’ occupancy) or a State Contents Essentials SI1047/9 05/19 (‘Tenants via a Landlord’ occupancy) to State Landlord’s Home and Contents SI6996/2 12/24 between 10 March 2025 and 26 May 2025.

Applies to policies renewing from State Home Essentials SI1049/8 04/19 (‘Tenants via a Landlord’ occupancy) or from State Contents Essentials SI1047/9 05/19 (‘Tenants via a Landlord’ occupancy) to State Landlord’s Home and Contents SI6996 03/24 between 27 May 2024 and 9 March 2025.

Landlord’s Home and Contents Policy Wording



Applies to policies bought on or after 9 December 2024 or renewing from 10 March 2025.

Policy version number SI6996/2 12/24


Applies to policies bought between 10 March 2024 – 8 December 2024 or renewed between 27 May 2024 – 9 March 2025.

Policy version number SI6996 03/24

Landlord

Applies to policies bought between 1 July 2018 - 9 March 2024 or renewed between 01 July 2018 – 26 May 2024

Policy version number SI1050/11 05/19

Boat

Applies to new policies and renewing policies from 23 May 2016
Policy version number SI1056/8 05/19

YourCover Travel Insurance – international, domestic, and inbound

(applies to new policies from 17 September 2025)

Essentials Travel Insurance - international

(applies to new policies from 17 September 2025)

Travel Insurance

(applies to policies bought between 1 November 2023 and 16 September 2025)

Business policy documents

Mobile Business Assets

Policy version number SI6732/4 10/21
Effective 11 October 2021

Material Damage

Policy version number SI6733/2 11-22
Effective 15 November 2022

Business Interruption

Policy version number SI6730/2 11/22
Effective 15 November 2022

Broadform Liability

Policy version number SI6729/1 04-18

Statutory Liability

Policy version number SI6718/1 04-18

Employers Liability

Policy version number SI6719/1 04-18

Business Machinery Breakdown

Policy version number SI6727/1 04-18

Business Vehicles

Policy version number SI6728/1 04-18

Stock Deterioration

Policy version number SI6731/1 04-18

Contract Works Single Project

Policy version number SI7003/1 11/23

Effective 05 December 2023

Contract Works Annual Period

Policy version number SI6116/4 03/20

Machinery Product

Policy version number SI4884/1 09/02

Carriers Liability

Policy version number SI4314/7 06/21

Commercial Hull

Policy version number SI4011/2 06/11

Cargo - Open Transit

Policy version number SI4000/3 07/14

Freezer and Cold Storage

Policy version number SI44846/5 09/02

EasyBiz Retail

Policy version number SI1013/4 01/10

EazyBiz Trade

Policy version number SI1012/3 05/11

Farm Insurance

Policy version number SI4066/6 12/15

Farm Assets

Policy version number SI4070A/6 12/15

Farm Interruption

Policy version number SI4070B/6 12/15

Farm Vehicles

Policy version number SI4070C/5 012/15

Farm Livestock

Policy version number SI4070E/5 12/15

Farm Income Protection

Policy version number SI4070F/5 12/15

Farm Machinery Breakdown

Policy version number SI4070G/5 12/15

Farm Liability

Policy version number SI4070H/9 12/15

Fleetline Commercial motor

Policy version number SI4564/5 12/15

Residential Buildings (Multi Dwelling)

Policy version number SI6141/2 08/19

Previous business policy documents

Business Insurance

Policy version number SI4289/9 12/15

Business Assets

Policy version number SI4291A/8 12/15

Business Mobile Assets B

Policy version number SI4292/9 12/15

Business Interruption

Policy version number SI4291B/5 12/15

Business Income Protection

Policy version number SI4291E/5 12/15

Business Machinery Breakdown

Policy version number SI4291F/4 12/15

Business Vehicles

Policy version number SI4291G/4 12/15

Broadform Liability

Policy version number SI6552/2 12/15

Statutory Liability

Policy version number SI6554/2 12/15

Employers Liability

Policy version number SI6553/2 12/15

Material Damage

Policy version number SI6733/1 04-18

Business Interruption

Policy version number SI6730/1 04/18

Business Mobile Assets

Policy version number SI6732/1 04/18

Contract Works Single Project

Policy version number SI4187/13 02/13

Previous policy wording - Carriers Liability

Policy version number SI4314/6 07/14

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The policy documents on this site are the current versions, for all customers.