Win-win for us. Good choice for you.
We’re Canstar’s 2024 Car Insurer of the Year and Outstanding Value – Car Insurance Award winner.
Our Third Party, Fire and Theft 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.
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.
Your car goes up in smoke.
We’ll cover the repairs or pay out so you can replace it after damage caused by fire. That’s lit.
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.
Third Party, Fire and Theft
What's included
What's included
Up to $5,000
Optional benefits
Optional benefits
Optional extra
What's included
What's included
Up to $5,000
Optional benefits
Optional benefits
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 different cover? Compare these options.
Comprehensive
Third Party Only
Benefits to toot our horn 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. Make it sn-appy.
No need for small talk. Manage insurance online anytime in the State app or My State, your online account.
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 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.
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.