Updated 18 Nov 2015

State Insurance

Your Car Comprehensive

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Full policy details

Policy

Agreed or market value?
Agreed
Underwriter
State (a business division of IAG New Zealand)
Underwriter's financial strength rating
AA- (Standard & Poor's)
Phone
0800 802 424
Independent complaints organisation
Insurance & Financial Services Ombudsman Scheme
Cooling-off period
15 days

Standard excesses

Under 21 excess ($)
1000
21 to 24 excess ($)
750
25 plus excess ($)
300

Main cover

Liability to 3rd parties
Up to $20 million
Cover for natural disasters
Yes
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
No

Other benefits

Damage to trailer covered under same policy
Up to $750 ($100 excess; no-claims discount impacted)
Cover for windscreens/windows
Yes
Possible to claim for broken glass without impacting excess/no-claims discount?
Optional extra
Keys/locks replaced
Up to $300 if keys lost, stolen or duplicated (no excess; no-claims discount impacted)
Repairs done by specified repairer guaranteed?
Yes
Option to choose your own repairer
Yes
Roadside-assistance-available
Optional extra
Rental car during repairs
Optional extra (reasonable costs covered up to 14 days)
No-claims discount protection
Yes
New vehicle replaced entirely
Yes, if less than 1 year old
Car accessories included in cover
Yes

Death and injury cover

Death
$2000
Personal injury
Up to $2000 per period of cover
Medical expenses
Up to $500 per event

More info

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