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.
What car insurance policies does State offer?
State is the winner of Canstar’s Car Insurer of the Year Award 2024, for its market-leading value, great comprehensive policy features and strong customer satisfaction rating.
State has a choice of three levels of car insurance – full cover, third party fire and theft, and third party – plus optional add-ons, such as roadside assistance, windscreen and glass excess buyout, and car hire.
State also offers benefits to its customers, such online sign-up and multi-policy discounts.
Check out the link below to see how State compares against other insurers.
Compare Car Insurance with Canstar
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, including by flood or storm
- Protection against uninsured drivers
- 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 up to $20m for damage and injury you cause
- Transport and towing expenses
Optional extras include: roadside rescue, no-excess windscreen and glass cover, car hire.
What’s covered by State’s third party, fire & theft car insurance policy?
This policy doesn’t provide cover for your vehicle if you’re involved in an accident, but it does cover legal liability for others’ property. It also covers you 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 up to $20m 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 no-excess windscreen and glass cover.
What’s covered by State’s third party car insurance policy?
This is State’s basic level of cover. Some of the key benefits include:
- Cover for accidental damage to someone else’s car
- Legal liability protection up to $20m 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 no-excess windscreen and glass cover.
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.
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.
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.
Car Insurance Awards 2024
Canstar Research
Award:
Car Insurer of the Year & Outstanding Value Awards
