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 excess.
Fast, quality fixes with AMI MotorHub
Using the latest tech, AMI MotorHub fixes non-structural damage in an average of 3.5 working days2. 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 month3, and get three breakdown call outs per year for you or anyone who’s driving your vehicle. We can tow your trailer too!4 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.
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.
*Policy criteria, T&Cs apply.