Outstanding value. Outstanding stuff.
We’re Canstar’s 2024 Car Insurer of the Year and Outstanding Value – Car Insurance Award winner.
Third Party policy perks.
You damage someone else’s vehicle or stuff.
We’ll cover the cost of the damage up to $20 million. We all make mistakes.
An uninsured driver damages your car. Yikes.
We’ll cover the damage they cause to your car up to $5,000. No dramas.
State Roadside Rescue add-on. Phew.
For $39 a year, get five callouts for anyone driving your car. No more roadside pickles. T&Cs apply. Learn more.
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 the deets.
What's included
What's included
What's included
Up to $5,000
Optional benefits
Optional benefits
Optional extra
Optional extra
What's included
What's included
Up to $5,000
Optional benefits
Optional benefits
Optional extra
Optional extra
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 more cover? Compare these options.
Comprehensive
Third Party, Fire & Theft
Boast-worthy benefits.
Simple, upfront prices.
We don’t hide behind discounts and equations. We give you a great price upfront. Simple is best.
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.
Do it online. Make it sn-appy.
Download the State app to get insurance-y stuff done. Anytime. Anywhere. Great for night owls.
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 relate to you, like the kind of car you own, where you live, and other personal details that help us figure out your risk of having an accident. Other factors affect everyone equally. Things like smarter cars and increased weather events. Comparing car insurance options can help you find the most affordable option. Learn more.
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 both damage to your car and someone else’s vehicles, while Third Party car insurance mostly covers damage to someone else’s car or property. Third Party, Fire and Theft policies provide cover for someone else’s property and your car in certain situations. Third Party options can be more affordable but don’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.