Question 1

What is State Insurance's claims phone number?

Accepted Answer

State Insurance's motor claims line is 0800 802 424 and operates 24 hours a day, 7 days a week. You can also lodge a claim online at state.co.nz.

Question 2

Does State Insurance give you a courtesy car?

Accepted Answer

State's standard car policies don't include a guaranteed like-for-like courtesy car. If someone else caused the crash you can get a free replacement vehicle through Free 2 Drive — the cost is recovered from the at-fault insurer, not you.

Question 3

How long does a State Insurance claim take?

Accepted Answer

Once you've lodged the claim and had the car assessed, straightforward repairs can start within a few days. More complex or write-off claims can take longer. Free 2 Drive keeps you in a replacement car the entire time you're off the road.

Question 4

Will a not-at-fault claim affect my State Insurance no-claims bonus?

Accepted Answer

If liability is clearly on the other driver and their insurer accepts it, your no-claims bonus generally shouldn't be affected. Ask State to confirm in writing that the claim is recorded as not-at-fault.

State Insurance Claims Contact — and Your Free Courtesy Car