Business Vehicle Insurance

Add Roadside Rescue to your Business Vehicle Insurance from <$7 a month.*

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Call us on 0800 80 24 24

Some of the good stuff you get with State

  • Guaranteed work by approved repairers

    All work done by our approved repairers is quality guaranteed1. Our nationwide repairer network will get you moving again.

  • No excess for glass damage

    If just your windscreen or windows are accidentally damaged, you won’t pay an excess2.

  • Fast, quality fixes with AMI MotorHub

    Using the latest tech, AMI MotorHub fixes non-structural damage in an average of 3.5 working days3. Plus, get a courtesy car or Uber vouchers to help you get around while you wait.

  • Roadside Rescue

    Add Roadside Rescue for less than $1.60 a week or $7 a month4, and get three breakdown call outs per year for you or anyone who’s driving your vehicle. We can tow your trailer too!5 Available 24/7, 365 days a year. Find out more.

  • Insure with confidence
    With an AA financial strength rating, we have a Very Strong claims paying ability , so you can be sure State will be able to pay out on your claims. 

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Benefits of State Business Vehicle insurance

Repair or replacement of your business vehicle

If your work vehicle is damaged but repairable, we’ll pay the reasonable costs to fix it. If it’s not worth repairing, we’ll either replace it with a similar vehicle or pay the market value up to the amount it was insured for (your sum insured).

If the vehicle is leased, we’ll pay the market value or the residual value, whichever is greater.

Legal liability protection

Covers your legal liability if you, an employee, or someone else5 you’ve let use your vehicle accidentally hits something or someone while driving.

Completion of journey costs

If your work vehicle isn’t driveable after an accident, we’ll cover the cost of returning the driver back to where they started, or vehicle hire to complete their journey. We’ll also pay to return your work vehicle to your business premises or recover it if it’s stolen and then recovered.

This information is intended as a guide only. There are exclusions and limits to the cover we provide. For the policy wording see our Business Vehicles PDF.

Get a quote and buy online
Call us on 0800 80 24 24
  1. Approved Repairer work is quality guaranteed while you own the car and it’s insured with State.
  2. Unless stated otherwise in your policy schedule, you will not have to pay any excess for a claim under Section 1 that is solely for loss to glass (or its equivalent) in any windscreen, sunroof, headlight, taillight, indicator light, exterior mirror or window of a vehicle covered under your policy. We will also cover any: demisters, and sensors fitted to the glass, necessary recalibration of any sensors, and scratches or damage to the vehicle’s bodywork as a direct result of broken glass.
  3. The average repair time at AMI Motorhub is 3.5 working days from vehicle drop-off to pick-up. Times may differ for structural repairs.
  4. Weekly or monthly price includes GST for 3 callouts per year (from the day you insured the vehicle, or your renewal date) and payments can be made monthly or annually. Additional callouts are $50 each.
  5. State Roadside Rescue for Business Vehicles is only available to vehicles under 3.5 tonnes GLW. Towed vehicles like trailers must not exceed 3.5 tonnes GLW.
  6. Policy criteria, terms and conditions apply.

*Policy criteria, T&Cs apply.