We've been helping Kiwis with their insurance for over 100 years, and have been recognised with Canstar’s Car Insurer of the Year 2024 and Outstanding Value – Car Insurance 2024 awards, so you can rely on State to keep you moving.
Benefits of our Car Comprehensive policy
If you’re in a crash:
We’ll cover the cost to get your car back to the condition it was in beforehand.
If the wild weather gets you:
We’ll cover your car for flood or storm damage.
If your car is stolen:
We’ll cover your car for theft or illegal conversion.
If you can’t drive your car after an accident:
We’ll get it to a repairer or safe place, as well as getting you and your passengers home.
If you’ve lost your keys for good this time:
You’ll pay no excess if it costs less than $300 to replace the locks.
If your glass is damaged:
We’ll cover you for windscreens, windows and sunroofs. With the option to add excess free glass cover for a small extra cost.
This information is intended as a guide only. Exclusions and limitations apply. Talk to us about these or refer to the fully policy document.
Compare our three levels of cover
Select cover option:
Car Comprehensive
Car Comprehensive
(covered under 'accidental loss to your car')
Optional cover
Optional cover
These smart extras can be added to your policy when you purchase your cover
Third Party, Fire & Theft
Third Party, Fire & Theft
(for fire, theft, attempted theft and some natural
disaster perils1)
(up to $3,000)
Optional cover
Optional cover
These smart extras can be added to your policy when you purchase your cover
Third Party Only
Third Party Only
(up to $3,000)
Optional cover
Optional cover
These smart extras can be added to your policy when you purchase your cover
Cover options
Cover options
Car Comprehensive
Car Comprehensive
Third Party, Fire & Theft
Third Party, Fire & Theft
Third Party Only
Third Party Only
(for fire, theft, attempted theft and some natural
disaster perils1)
(covered under 'accidental loss to your car')
(up to $3,000)
(up to $3,000)
Optional cover
Optional cover
These smart extras can be added to your policy when you purchase your cover
-
Included
-
Not included
This information is intended as a guide only. Exclusions and limitations apply. Talk to us about these or refer to the full policy document.
Are you after cover for your business vehicle?
Find out more about our Business Vehicle Insurance.
Additional benefits
Simply great prices
We’re on a mission to simplify insurance. We offer great cover for a great upfront price.
Fast, quality repairs
Our exclusive vehicle repairer, MotorHub, delivers top quality non-structural repairs in an average of 3.5 working days.2
You're in safe hands with us
Committed to treating you fairly
We adhere to the Fair Insurance Code, giving you peace of mind that we’re focussed on what’s best for our customers.
Very strong claims paying ability
We have an AA financial strength rating, which is your reassurance we have a “very strong” claims paying ability and will be there for you should you need us.
Please click here for more information on our Financial Strength Rating.
Questions? We've got you covered
Yes, you can adjust your policy excess where this option is available.
Please note, however, that most car policies have fixed excesses. To find out whether your excess can be adjusted, please email us.
You can pay your premiums online, as a bill payment by phone or internet, by credit card over the phone, by direct debit or in person at your nearest New Zealand Post. View full answer
- Annually by invoice (bill payment or credit card)
- Monthly direct debit payments from your bank account
- Monthly direct debits from your credit card
- Fortnightly direct debit payment from your bank account
- Fortnightly direct debits from your credit card
Cover for windscreen damage can be added to all car policies, including, comprehensive, third party, fire and theft and third party only policies. When you add the windscreen extension cover to your policy, you can claim for any accidental damage to your windscreen, windows, sunroof, and driving lights without having to pay an excess.
If you need to make a claim on your personal motor vehicle, home or contents policies, you can do this online. For all other policy types, please call us on 0800 80 24 24.
If you have State Full Cover car insurance, anyone can drive your vehicle as long as they have your permission and meet the policy’s terms and conditions.
However, we recommend listing all regular drivers and drivers under 25 years old so we know who they are and can give them the most appropriate excess. If they need to claim, an unnamed driver under 25 will pay a higher excess than if they are named.
Looking for something else?
Visit our Help Centre.
You may also be interested in
Contents insurance
Travel insurance
Business Vehicle insurance
1Our policy’s definition of natural disaster follows the Earthquake Commission Act 1993 definition but is limited to earthquake, natural landslip, volcanic eruption, hydrothermal activity, tsunami or natural disaster fire. Flood and storms are excluded.
2The average repair time at MotorHub is 3.5 working days from vehicle drop-off to pick-up. Times may differ for structural repairs.