State Car Insurance

With more than four million cars driving on New Zealand’s roads, car insurance has become a mandatory part of getting from A to B. But not all insurers are created equal, so it’s worthwhile checking out how State insurance stacks up.

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What car insurance policies does State offer?

State offers customers a choice of three car insurance policies: Comprehensive, Third Party, Fire & Theft, and Third Party cover.

Additionally, State offers optional add-ons, such as roadside assistance, windscreen and glass excess buyout, and car hire should you need it.

Check out the link below to see how State compares against other insurers.

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What’s covered by State’s Comprehensive Car Insurance Policy?

State’s Comprehensive Car Insurance Policy is designed to give full cover for collision, fire and theft. It provides you with legal liability, should you damage someone else’s property.

Some of the key benefits are:

  • Accidental loss or damage to your car
  • Repairs carried out by any repair service nationwide
  • Guarantee on all repairs by our approved repairer network
  • Up to $300 to replace your keys and locks
  • Legal liability protection for damage and injury you cause
  • Medical expenses up to $500 in the event of an accident
  • Transport and towing expenses

Optional extras include: roadside rescue, windscreen and glass cover, car hire.

What’s covered by State’s Third Party, Fire and Theft Car Insurance Policy?

This policy does not provide cover for your vehicle should you be involved in an accident but it does cover legal liability for others’ property. It does, however, cover the cost if your vehicle is destroyed or damaged as a result of fire or theft.

Some of the key benefits are:

  • Loss or damage to your car caused by fire or theft
  • Guarantee on all repairs by our approved repairer network
  • Legal liability protection for damage you cause
  • Damage caused by uninsured drivers
  • Towing costs
  • Clearing costs for removing accident debris from road

Optional extras include: roadside rescue and windscreen and glass cover.

What’s covered by State’s Third Party Car Insurance Policy?

This policy is the most basic package offered by State.

Some of the key benefits include:

  • Cover for accidental damage to someone else’s car.
  • Legal liability protection for damage you cause
  • Damage caused by uninsured drivers
  • Towing costs
  • Clearing costs for removing accident debris from road

Optional extras include: roadside rescue and windscreen and glass cover.

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What makes State Car Insurance different?

State says it puts its customers at the centre of everything it does, protecting the things that are important to New Zealanders. The insurance provider also supports the wider community, ensuring that its employees spend one day a year volunteering for a local community group. 

With the long-term aim to become carbon neutral, State has launched a number of initiatives to reduce CO2 emissions within the company and the communities it’s a part of.

State also offers benefits to its customers, such as discounts when signing up online, multi-policy discounts, easy to use online claims and insurance management, and a one Airpoints dollar for every $25 of premiums spent.

About State

State insurance was founded in New Zealand in 1905. It was acquired by Australian company IAG in 2001 and currently insures over 400,000 Kiwis across its range of insurance policies.

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Written by: Andrew Broadley | Last updated: September 15, 2021