Updated 18 Sep 2018

State Insurance


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Full policy details


State (a business division of IAG New Zealand)
Financial strength
AA- (Standard & Poor's)
Independent complaints organisation

Insurance & Financial Services Ombudsman Scheme

0800 802 424
Cooling-off period
15 days

Standard excesses for fully-licenced, named drivers

Under 21
21 to 24


25 plus


Main cover

Damage to others' property

Up to $20 million

Towing costs following accident

Reasonable towing costs

Road-clearing costs following accident

Reasonable road-clearing costs

Transport costs following accident

Reasonable transport costs

Accommodation costs following accident


Cover for natural disasters


Other benefits

Damage to trailer covered under same policy

Up to $750 ($100 excess; no-claims discount impacted)

Cover for windscreens/windows


Possible to claim for broken glass without impacting excess/no-claims discount

Optional extra

Keys/locks replaced

Up to $300 (no excess; no-claims discount impacted)

Repairs done by specified repairer guaranteed


Option to choose your own repairer


Roadside assistance available

Optional extra

Rental car during repairs

Optional extra (reasonable costs covered up to 14 days)

No-claims discount protection (including at-fault crashes)


New vehicle replaced entirely

Yes, if less than 1 year old and only one owner

Car accessories included in cover

Yes - child car seat, stereo, etc

Car accessories kept at home covered

Yes - if usually kept in the car

Death and injury cover

Driver's death

Up to $2000 total

Driver's personal injury

Up to $2000

Driver's medical expenses

Up to $500

More info

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