State Insurance Reviews 

Increased policy and unhelpful service. After a year with these guys they increased my policy by $400! Called to ask for explanation and didn’t get one worthwhile so cancelled and moved elsewhere. Also had my car broken into during policy and they were very unhelpful and wouldn’t pay out as the thief(s) had smashed my window and I didn’t have window excess (turns out this isn’t just for cracks but it also to cover robbery…). They quoted a larger sum then a local panel beater so I went there and didn’t claim on insurance. Obviously this didn’t help me when it came around to my second year policy… don’t waste your time with them, go to a trusted insurer.

I am surprised to see and hear from the State Insurance that they use second hand parts for repairs whoever submits the claims.

It was unfortunate that I have to submit the claim first time ever in New Zealand in 16 years and the response from the State Insurance was unprofessional and delay in getting the claim resolved are the key factors which made to move away from them.

I just got off the phone with State's customer servuce representative Dane H. he was absolutely amazing to speak with. So helpful and really kind.

These people are so incompetent. Email tag is what they are good at. Insurance sky high. New policy was 50% higher than other in the market. Trying to get policy refund has been by stupid responses from email tag. Special mention Natalie and Jeza. You need to train your people better.

The previous reviews say it all, I was a 11 year dedicated member only to be let down by a small crash claim. I was given the option to decline my claim before getting blacklisted. Please read reviews on your insurance as this cost me a lot of money.

Terrible service by state and agent name-mini

Can’t find the address right
Can’t find the answer to a simple query
Charging extra $30 without any reason
Contacted the senior supervisor but still the same , started investigating on car insurance
Asking me to wait a day so they can start renewal policy
Thank you

The worst customer (can't even call it experience) I have ever received/could ever fathom! After the fifth attempt to have an issue resolved, the last straw was being put on hold for 40 minutes - only to be cut off at 6pm on the dot when the call centre closes. If you don't know the answer or cannot help me don't put me on hold, please just tell me you cannot assist. Also very dubious that there is a 'technical team' that even exists that you keep referring to when you put me on hold all five times I have called to try resolve this issue! DO NOT CHOOSE STATE AS YOUR INSURANCE SUPPLIER! THE ABSOLUTE WORST!!!!

Poor call centre service- after reading all the one star reviews I will not be renewing my car insurance with them. Have only used them for a year but was frustrating to get anything changed or done with the policy including renewing it/ changing excess and insured amount. Will definitely look elsewhere. I was basically accused of being too poor to as I chose pay higher excess or because I lowered the insured amount to help keep the premium low.
There’s no communication between call centre and people who make the decisions for policies and I had to keep calling back and each time the quote increased. I was also insured for less but the premium was $300 more than the previous year!! I get that the floods would’ve had the insurance companies in turmoil but I didn’t claim as I wasn’t affected but I’m obviously paying off someone else’s claims with the increased premiums!

3 months and no response yet sent them all the paperwork they needed and pay them evrey week and no help just ridiculous. a tip done use State.
id give it a 0 if i could

Terrible claims experience. Accepted a claim, told them we'd like cash settlement. 20 days with zero response on email, and now over 1:45mins on hold to talk to someone (and counting). Also, you don't need to remind me literally every 30seconds that all your consultants are currently busy. After the 210th time it gets a little annoying.

Will be cancelling all my policies, as I can get cheaper cover elsewhere.

State Insurance is s*it hole company to have any sort of dealing with. It has taken over seven months from a claim to reach a resolution...and still waiting with no end in sight! It is impossible to establish a contact without waiting up to two hours on a phone waiting to talk to someone who is super helpful, and then ignores you totally. And that's assuming you don't get passed on and cut-off in the process, to wait another hour or so on the phone to start again. Avoid this company like the plague, you might as well use prayer to protect you. It's more likely to be of use!

The worst phone service I've ever seen. A thousand options, press 1 press 2 bla bla bla and still have to wait 15, 20 or 30 minutes to speak to someone. Ridiculous!!! I will look for another company that respects those who consume their product.

After a burglary you shouldn't be waiting 6 weeks to hear anything. I phoned multiple times finally started to get somewhere but omg wanted to replace with smaller and cheaper everything. Different story though when banking system changed in NZ and premium wasn't taken they didn't muck around then sent letter via snail mail but were quick to take the money fast. When people are in a crisis moment they need to feel valued and important at that time and sorry state u guys don't cut it. Workers seem slow and not really all together there 😕

Internal communications and responses to emails are exceptionally poor and it appear that the left hand has no idea what the right hand is doing
I lodged a claim and gave specific instructions of how to communicate, send several internal messages via their site, and nothing seemed to get through.
The insuance assessor was told to communicate via email and it took over two weeks for him to do that.
Instead he kept ringing and was told not to do that.
The claim was refused today after a month of communications being ignored and his excuse was that it was fair wear and tear, yet two other builders stated otherwise
All-in- all my advice would be to shop elesewhere

Not issuing my claim for 9 months since the flood this year. I cannot find the way to sort the problem. Every time I called them, they are just doggy. Can only see my place damaged everyday. The structure may also be affected if no further action taken,

Both my car renewal policies were massively overpriced and speaking with a manager at State eventually, he confirmed that one policy was overcharged by some $320 and the other by just under $300. That is just one household; how many others are affected and perhaps don't realise it? Switched to Tower as State were quite frankly dishonest. The manager promised me a follow up formal letter but that has never turned up.

8 weeks ago my car was totalled and they still haven't paid , tried to de value my car too without me knowing and pay me less than it's worth, sneaky and untrustworthy

I’ve been with state for about 3-4 years now, and they put their price up every year regardless of me never making a claim (I get it’s inflation) it would go up by $3-6 dollars a year, but this year they put their price up by $29. I was paying $69.45 and all of a sudden it was $99.01. Cancelled it straight away. Had 2 cars on the policy too, what a money hungry place. Also roadside rescue made me wait 5 hours when they said it was only a 1-2 hour wait max.

My premium went up and I was getting insured for less.
When i rang to discuss this 3 times they said wait and they would talk to the manager,after 40 minutes waiting each time they just cut me off.
I will be canceling my insurance with them.
If I could give less than 1 star for there service I would.

State insurance have taken over 7+ months to deal with my home claim after a flood and as a result my home filled with mould and deteriorated, takes 2hrs plus on the phone to get through. Then the claims people dont reply to any of my emails or take 1 MONTH! + to reply to any messages or questions you have but only after chasing them up after 5-6 times. Also if you have car insurance the cost is expensive and they don't even have excess free glass and no excess free keys and locks

FOR CAR INSURANCE FMG IS BETTER INSTEAD! EXCESS FREE GLASS, EXCESS FREE KEYS AND LOCKS, better deal on rental car. Why pay $400+ excess with State if your windows get smashed or if you loose your keys. The whole point is to be insured!