{ "vertical": "car", "insurer": { "slug": "state", "name": "State Insurance", "brand_family": "state" }, "product": { "slug": "car", "name": "State — Car Insurance", "status": "active", "positioning_summary": null }, "wording": { "version": "2024-11-01", "ingested_at": "2026-05-20T03:14:49.281303+00:00", "pdf_hash": "70575952056078ac3c09a68acfd20cbcdbb7577e25830d9c02c9e68af3443c06", "source_url": "https://www.state.co.nz/content/dam/insurance-brands-nz/state/nz/en/documents/car/state-vehicle-car-insurance-policy-wording-si6737-5-1124.pdf", "page_count": null }, "confidence_tier": "verified", "facts": { "ncb": {}, "glass": { "side_rear_covered": "yes — 'Excess-free glass' optional benefit covers sudden and accidental loss to the windscreen or window glass of your vehicle; cover includes parts of the windscreen or window glass such as tinting, demisters, rain sensors and the necessary recalibration of sensors associated with the glass. Does not apply to glass in sunroofs or moonroofs.", "no_excess_for_repair": "If your claim is only for sudden and accidental loss to the windscreen or window glass of your vehicle, you do not pay an excess.", "windscreen_excess_nzd": 0 }, "excess": { "standard_nzd": "shown in your policy schedule", "windscreen_nzd": "0 if 'Excess-free glass' optional benefit is purchased and claim is only for windscreen or window glass; otherwise standard excess applies" }, "under_25": { "open_driver_covered": "Driver restrictions (including exclusion of under-25 drivers) do not apply if the loss is caused by fire, theft or attempted theft, or use by motor trade, dial-a-driver, valet parking or medical emergency. Otherwise, if policy schedule shows drivers under 25 are excluded, they are not covered." }, "exclusions": [ "depreciation", "wear and tear, rust or corrosion", "rot, mould or mildew, or gradual deterioration", "loss of use", "consequential loss", "mechanical, electrical or electronic breakdown, wearing out or failure (including where this is a result of an external source)", "loss caused by, or connected to, any defect, including a structural defect, faulty design, or faulty work", "loss caused by, or connected to, using the incorrect fuel type or octane level, using an engine additive or vehicle liquid incorrectly, or using any contaminated fuel, contaminated engine additive or contaminated vehicle liquid", "damage to your vehicle that existed at the time you took out your policy", "damage to your vehicle that was left unrepaired from a previous claim", "tyre damage caused by braking, wear and tear, or punctures, cuts or bursts (unless resulting from a covered loss or malicious damage)", "costs relating to any undamaged part of your vehicle (unless necessary to repair covered loss)", "anything if the driver has a breath or blood alcohol level over the legal limit", "anything if the driver refuses to take a breath or blood alcohol test following an accident, as required by law", "anything if the driver is affected by a drug or other intoxicating substance to such an extent that they cannot properly control the vehicle", "anything if the driver does not stop or stay at the scene following an accident, as required by law", "anything connected to communicable disease contamination", "anything caused by, or connected to, the unavailability or corruption of, or failure to access, process, use or operate, any computer or electronic system that forms part of your vehicle", "anything caused by, or connected to, confiscation, nationalisation, requisition or acquisition under an order, or destruction of or damage to property under an order", "lost electronic data, or anything caused by, or connected to, lost electronic data", "any fine, penalty, or punitive or exemplary damages", "anything caused by, or connected to, any vehicle being used for an illegal purpose, in an illegal or unsafe way, or in a condition that is unroadworthy or would not meet the Warrant of Fitness standard just before the loss (where the driver should have known this could result in a claim and the condition contributed to the incident)", "anything that happens outside New Zealand", "anything that happens outside the period of insurance", "anything caused by, or connected to, any intentional or reckless act or failure to act", "anything if your vehicle has any undisclosed modification listed in your policy schedule under 'Your vehicle details'", "anything caused by, or connected to, ionising radiation, nuclear contamination, nuclear weapons material or nuclear power plants", "anything that may breach sanctions, prohibitions or restrictions under United Nations resolutions or trade or economic sanctions", "anything caused by, or connected to, seepage, pollution or contamination", "anything connected to terrorism involving biological, electromagnetic, chemical, radioactive or nuclear pollution, contamination or explosion", "anything caused by, or connected to, contamination from any controlled drug (except methamphetamine contamination connected to theft)", "anything if the driver does not hold a valid driver licence appropriate for the class of vehicle, does not meet the conditions of their licence, or is not legally allowed to drive in New Zealand", "anything caused by, or connected to, war, invasion, act of foreign enemy, hostilities, civil war, insurrection, rebellion, revolution, or military or usurped power", "anything caused by, or connected to, any chemical, biological, biochemical or electromagnetic weapon", "carrying fare-paying passengers such as a taxi (except for private not-for-profit carpooling)", "courier or delivery work", "use for a servicing business involving installation, maintenance or repairs", "use for the motor trade or a driving instructor profession", "hire, including through an arrangement between private individuals", "any type of motor sport, race, or pace making, including any speed test, reliability or other trial", "use on any racetrack, including for driver training or track days", "towing for financial gain or reward (except being paid back for normal running costs)" ], "rental_car": { "days": 21, "after_theft": "yes — benefit applies where we accept a claim for loss to your vehicle, including theft", "daily_cap_nzd": "up to $40 per day for taxi, alternative rideshare or public transport reimbursement, or up to 21 days for a hire car arranged through a supplier of our choice (running costs at your expense); if we cannot arrange a hire car, up to $40 per day for up to 21 days for a hire car you arrange", "after_at_fault": "yes — 'Hire vehicle or alternative transport after an incident' optional benefit applies where we accept a claim for loss to your vehicle, with no explicit exclusion for at-fault claims" }, "value_basis": { "market_default": "yes", "agreed_available": "yes", "total_loss_basis": "pay you your sum insured if you have an agreed value policy; pay you the market value, or your sum insured if that is less, if you have a market value policy; replace your vehicle with a new vehicle of the same model and specification, including on-road costs, if you have Comprehensive, the loss happened within 12 months of you purchasing your vehicle new, and the specific model is available in New Zealand", "sum_insured_increases": "On renewal, we may change your vehicle sum insured to account for general factors that affect vehicle value changes from our external provider." }, "modifications": { "must_be_declared": "We need to know about certain modifications. The modifications we asked about when you applied for your policy and the answers you gave us are listed in your policy schedule under 'Your vehicle details'. Check this list and let us know as soon as possible if you need to update any of your answers.", "performance_mods_excluded": "A 'modification' includes any performance enhancement to your vehicle. Undeclared modifications listed in the policy schedule void cover entirely.", "cover_voided_if_undeclared": "We do not cover anything under this policy if you have a modification in this list but have not told us about it, even if you got the modification after you applied for your policy." }, "natural_disaster": { "hail_covered": "yes — covered under Comprehensive as sudden and accidental loss to your vehicle that happens during the period of insurance in New Zealand", "flood_covered": "yes — covered under Comprehensive as sudden and accidental loss to your vehicle that happens during the period of insurance in New Zealand", "storm_covered": "yes — covered under Comprehensive as sudden and accidental loss to your vehicle that happens during the period of insurance in New Zealand", "volcanic_covered": "yes — covered under Comprehensive as sudden and accidental loss to your vehicle that happens during the period of insurance in New Zealand", "earthquake_covered": "yes — covered under Comprehensive as sudden and accidental loss to your vehicle that happens during the period of insurance in New Zealand" }, "ride_share_rules": "Cover is suspended while any vehicle is being used to carry fare-paying passengers such as a taxi, or for hire, including through an arrangement between private individuals. You must let us know as soon as possible if your vehicle will be used in any of these circumstances. Examples of circumstances you must let us know about include: 'you start a new job as a rideshare driver using your vehicle'.", "territorial_scope": "New Zealand", "business_use_rules": "Cover applies while any vehicle or trailer is being used for any personal or business purposes, except in the circumstances listed (e.g. motor trade, courier, hire, etc.). Incidental and general business use is covered; however, specific excluded business uses (courier, delivery, motor trade, driving instructor, servicing businesses, hire) suspend cover.", "cover_tiers_in_wording": [ "comprehensive", "third-party-fire-and-theft", "third-party" ] }, "endpoints": { "summary": "/api/car/product/state/car/summary.md", "wording": "/api/car/product/state/car/wording.md", "history": "/api/car/product/state/car/history.json" }, "canonical_url": "https://insurenz.co.nz/api/car/product/state/car/facts.json", "generated_at": "2026-07-05T00:18:25.846Z", "license": "CC BY 4.0 — attribute https://insurenz.co.nz" }