Don’t settle for less. Choose best.
We’re Canstar’s 2024 Car Insurer of the Year and Outstanding Value – Car Insurance Award winner.
Your options. In a nutshell.
Comprehensive
Comprehensive car insurance with all the bells and whistles to cover damage to your car or someone else’s vehicle or stuff. Plus, options to boost your cover. Good choice for sensible Sallys.
Third Party, Fire & Theft
A little protection for your car and a lot of cover for damaging someone’s vehicle or stuff. Plus, options to boost your cover. Good choice for hedging your bets.
Third Party Only
No-frills car insurance that covers damage to someone else’s vehicle or stuff. Plus, options to boost your cover. Good choice for old bangers or risk takers.
Bells and whistles to no-frills.
Compare our cover.
Plain language policy wording
This is a summary only. For a full list of the benefits, exclusions and other terms, read the policy wording.
Our NZ car insurance policies are written in plain language, making them easier for you to read, understand, compare, and act on.
Note: If you’re already insured with us, you may have a different policy wording to the one outlined above. Check your details and find your policy on our policy documents page.
Benefits to brag about.
24/7 Roadside help.
Add State Roadside Rescue for just $39 a year. Get five callouts a year for anyone driving your car. No more roadside pickles. T&Cs apply.
No small talk. Just quick claims.
Make car claims online. We even auto-approve them sometimes. Zippy.
Do it online. App-solutely.
No need for opening hours. Manage insurance anytime in the State app or My State, your online account. That’s handy.
Backed-up by the goods.
Highly commended in the New Zealand, General Insurer category for 10 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.
Questions? We got you.
A premium is the amount you pay for the protection insurance provides, and in NZ it depends on several factors. Some are related to you, like the car you drive, where you live, and other personal information that helps us figure out your risk of having an accident. Other factors affect everyone equally – like cars with more tech and increased weather events. Comparing car insurance options can help you find the most affordable option. Learn more about car insurance premiums.
Cheap car insurance often depends upon the level of cover you choose. In NZ, Third Party insurance offers the lowest level of cover and can be the most affordable option, however it offers the least amount of protection. Comparing policies is the best way to find the cheapest car insurance that still offers the cover you need.
Comprehensive car insurance covers damage to your car and someone else’s vehicle or property. Third-party car insurance is designed to protect against damaging someone else’s car or property but not your own. Third Party, Fire and Theft policies provide the same level of cover for someone else’s car or property but provides a bit of cover for your car in certain situations. Third Party can be a more affordable option but doesn’t provide the same amount of protection as Comprehensive.
Claim: A request made to your insurance company to compensate you financially for something covered by your policy.
Accidental loss: Unexpected and unintended damage.
Total loss or write-off: A total loss, or write-off, occurs when the cost to repair a car exceeds its market value. In this situation an insurer may choose not to repair the car and pay out its market or agreed value instead.
Cover: The protection provided by an insurance policy.
Excess: The amount you contribute towards a claim before your insurer pays the rest of your entitlement.
Exclusion: Specific conditions or circumstances that the policy does not cover.
Premium: The amount you pay for the financial protection your insurance policy provides.
Sum Insured: The maximum amount your insurer will pay for a covered loss.