Car cover with two thumbs up from Canstar.
We’re Canstar’s 2024 Car Insurer of the Year and Outstanding Value – Car Insurance Award winner.
Our top three policy perks.
You have an oops-moment crash.
No matter whose fault it was, we’ll repair or pay out so you can replace it. We all make mistakes.
Someone steals your car. Swipe.
If someone pinches your car, we’ll pay out so you can replace it. Or for attempted theft that’s not-so grand, we’ll repair it.
Wild weather damages your car.
If Mother Nature sends a storm or flood your way, we’ll foot the bill to fix your car.
This information is intended as a guide only. Exclusions and limitations apply. Talk to us about these or refer to the full policy wording.
What's covered? Get full lowdown.
What's included
What's included
What's included
Optional benefits
Optional benefits
Optional extra
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What's included
What's included
Optional benefits
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Plain language policy wording
This is just a summary. For a full list of the policy benefits, exclusions and terms, check your 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.
Need less cover? Compare these options.
Third Party, Fire & Theft
Third Party
Benefits to get your wheels spinning.
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 with the State app or My State, your online account. We even auto-approve them sometimes. Zippy.
Back on the road faster.
Our partnership with AMI gives you access to their industry-leading car repair service, AMI MotorHub. Latest tech. Speedy service. Friendly team.
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.
Got Qs? Get answers.
What you pay for car insurance in NZ depends on several factors. Some are related to you (the driver), like the car you own, your location, and other personal details that help us calculate your risk of having an accident. Other things affect everyone equally, like smarter tech in cars and increased weather events. Comparing car insurance options can help you find the most affordable option. Learn more.
Getting cheap car insurance can depend upon the level of cover you choose. In NZ, Third Party insurance is the lowest level of cover and can be the most affordable option, however it mostly protects you against damaging other people’s cars or property and not damage to your own car. Comparing policies is the best way to find the cheapest car insurance that still offers the cover you need.
Comprehensive car insurance covers both damage to your car and someone else’s property, while Third Party car insurance mostly covers damage to someone else’s car or property. Third Party, Fire and Theft policies provide cover for damage to someone else’s property, plus a little 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 a Comprehensive car insurance policy.
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.