Welcome to our review of State Car Insurance. This review covers a summary of State Insurance, their car insurance policies and who State Insurance may be suited to. We outline the types of car insurance policies they offer, and compare their policies side-by-side. How much does State Insurance cost, and how can you get cheaper insurance with State?
Summary of State Car Insurance
- State Insurance are a well-established NZ based insurance company, who have been helping Kiwis for over 100 years.
- You can quote, buy and manage your insurance online.
- They are the only insurer to offer Fly Buys rewards. You’ll collect one Fly Buys point for every $25 of premium you pay.
- They have are an awards winning, well trusted brand in New Zealand with a reputation for good customer service.
- State are one of New Zealand’s largest insurance providers, looking after over 400,000 Kiwis.
- State are a business division of IAG New Zealand Limited. IAG has received a financial strength rating of AA- from Standard & Poor’s. This means that they have a ‘very strong’ claims paying ability.
Compare State Car Insurance Policies
|
|
Comprehensive |
Third Party, Fire and Theft |
Third Party Only |
|
Online discount |
Save $50 |
Save $25 |
Save $10 |
|
Multi-policy discount |
Y |
Y |
Y |
|
Accidental loss or damage to your car |
Y |
For fire, theft, attempted theft or natural disaster only |
N |
|
Damage to someone else’s vehicle or property |
Y |
Y |
Y |
|
Legal liability protection for any damage and injury you cause |
Up to $20 million |
Up to $20 million |
Up to $20 million |
|
Approved repair work guarantee |
Y |
Y |
Y |
|
Damage to your car caused by uninsured drivers |
Y |
Up to $3,000 |
Up to $3,000 |
|
Towing expenses |
Y |
Y |
Y |
|
Transport Expenses |
Y |
N |
N |
|
Lock and Key cover |
Up to $300 |
N |
N |
|
Optional Cover |
Roadside rescue Windscreen and Glass Cover Car hire |
Roadside rescue Windscreen and Glass Cover
|
Roadside rescue Windscreen and Glass Cover
|
|
|
|
|
|
Types of State Car Insurance Policies
Car Comprehensive
This is State’s Comprehensive car insurance policy. It provides full cover for accidental loss or damage to your car as well as accidental damage to someone else’s car. You’ll be covered for:
- Accidental loss or damage to your car
- Repairs carried out by any authorised repair service and guarantees on those repairs
- Up to $300 to replace your keys and locks
- Legal liability protection for damage or injury you may cause
- Up to $500 medical cover in the event of an accidents
- Transport and towing expenses
- And more – check out policy details and more about what’s covered by State’s Car Comprehensive policy
Car Third Party, Fire and Theft
Covers you for loss or damage to your car from fire or theft, and for accidental damage to someone else’s car. You’ll be covered for
- Loss or damage to your car caused by fire or theft
- Repairs carried out by any authorised repair service and guarantees on those repairs
- Legal liability protection for damage or injury you may cause
- Damage caused by uninsured drivers
- Towing costs and road clearing costs
- And more – check out policy details and more about what’s covered by State’s Car Third Party, Fire and Theft policy
Car Third Party, Fire and Theft
Car Third Party Only
Covers you for accidental damage to someone else’s car. You’ll be covered for:
- Legal liability protection for damage you cause
- Damage caused by uninsured drivers
- Towing costs and road clearing costs
- And more – check out policy details and more about what’s covered by State’s Car Third Party only policy
Car Third Party Only
How much does State Car Insurance Cost?
The cost of your car insurance policy will depend on the type of car you own and the level of cover you are looking for. Requesting a quote from State Insurance is incredibly simple. It just takes a few minutes to enter your details online and see how much your car insurance will cost. It will help to have the following information ready:
- Your car registration number, or the car make/model
- Whether you use your car for personal or business reasons
- The address you usually park the car at
- When you want the policy to start
- Details of any other insurance policies you have with State (Contents, Homepack or Landlord)
- Details of your licence and driving history
- Details of other drivers
How to get cheaper insurance with State Insurance
- Multi-policy discounts: Insure your car and contents with State and save with a multi-policy discount
- Collect Fly Buys: State is the only general insurance provider who offers Fly Buys points. Collect Fly Buys for every policy you have with State.
- Sign-up online and save: Save up to $50 when you sign up for a State Car insurance policy online (the amount depends on the type of policy you choose)
Who is State Car Insurance suited to?
State Car Insurance are a good option for people who want:
- A trusted provider: who is well established, trusted by a large number of customers, with a good reputation
- Online convenience: request quotes, buy your policy and lodge claims online
- Fly Buys rewards: State insurance are a great option if you want to claim Fly Buys rewards. In fact they’re the only insurer to offer Fly Buys.
- Multi-policy discounts: If you have car and contents insurance with State you may qualify for a discount on your policy
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