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Easy-to-understand policies and more.

We’re simplifying our policies, pricing and services. Get up-to-speed.

What’s great about State?

We’re highly commended in the New Zealand, General Insurer of the Year category for 11 years in a row.

Need-to-know renewal info.

You're getting a new policy.

Your new policy is written in plain language. Nice! Your cover has changed. Still has the essentials but some limits, excesses and cover are different. Some nice-to-haves are now optional, so you only pay for what you need. Review the optional benefits and add the ones you want. The change summaries outline the nitty-gritty differences.

Key differences

How you’ll get everything.

You’ll get your policy schedule by email now (unless you’ve opted for post). And you can always change your preferences in your My State online account. If there’s more than one policyholder, the primary person on your policy will receive the email. You can always view your documents by logging in to your My State online account or the State app.

Simplified premiums and payments.

We don’t charge extra to pay fortnightly, monthly, or quarterly.

How premiums are calculated

Do more online.

Use the State app or My State, online account to take care of insurance DIYs without leaving the couch. So comfy.

  • Adjust your sum insured 
  • Add or remove optional benefits 
  • Manage payments 
  • Change your excess 
  • Add a driver
  • Make and track claims

You’ll see how any changes affect your premium before you confirm them.

Key differences with your new State policy

Comprehensive car insurance

  • You’re getting a new policy number, so if you pay by internet banking, you’ll need to update your reference. 
  • Your sum insured amount may have changed, so review your renewal documents to make sure it meets your needs
  • If you need cover for drivers under 25, check the Special terms and conditions in your policy schedule to see if they are excluded. You can add under 25-year-old drivers in the State app or My State online account.
  • Your standard excess has been updated. Check your policy schedule to see what excesses apply to you and others likely to drive your vehicle.
  • It's best to have all policyholders and drivers listed on your policy schedule. Get in touch if you’d like to add anyone.
  • State Roadside Rescue optional benefit now includes five callouts within the policy year (three can be used for emergency fuel delivery) and covers anyone driving the covered vehicle. Learn more.  

Third Party, Fire and Theft car insurance

  • You’re getting a new policy number, so if you pay by internet banking, you’ll need to update your reference. 
  • Your sum insured amount may have changed, so review your renewal documents to make sure it meets your needs. 
  • If you need cover for drivers under 25, check the Special terms and conditions in your policy schedule to see if they are excluded. You can add under 25-year-old drivers in the State app or My State online account.
  • Your standard excess has been updated. Check your policy schedule to see what excesses apply to you and others likely to drive your vehicle.
  • It's best to have all policyholders and drivers listed on your policy schedule. Get in touch if you’d like to add anyone.
  • State Roadside Rescue optional benefit now includes five callouts within the policy year (three can be used for emergency fuel delivery) and covers anyone driving the covered vehicle. Learn more.  

Third Party Only car insurance

  • You’re getting a new policy number, so if you pay by internet banking, you’ll need to update your reference. 
  • If you need cover for drivers under 25, check the Special terms and conditions in your policy schedule to see if they are excluded. You can add under 25-year-old drivers in the State app or My State online account.
  • Your standard excess has been updated. Check your policy schedule to see what excesses apply to you and others likely to drive your vehicle.
  • It's best to have all policyholders and drivers listed on your policy schedule. Get in touch if you’d like to add anyone.
  • State Roadside Rescue optional benefit now includes five callouts within the policy year (three can be used for emergency fuel delivery) and covers anyone driving the covered vehicle. Learn more.  

Motorcycle insurance

  • You’re getting a new policy number, so if you pay by internet banking, you’ll need to update your reference.
  • For Comprehensive policies, your sum insured amount may have changed, so review your renewal documents to make sure it meets your needs. We offer market value and agreed value policies, so be sure to check your cover is what you want.
  • Your standard excess has been updated. Check your policy schedule to see what excesses apply to you and others likely to drive your vehicle.
  • It's best to have all policyholders and riders listed on your policy schedule. Get in touch if you’d like to add anyone.

Backed-up by the goods.

Highly commended in the New Zealand, General Insurer of the Year category for 11 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.