State Insurance Reviews 

Absolutely appalling customer service. 1st they deny me a claim for my vehicle that was broken into, because I couldn't bring up a receipt from 5 months ago. I received cash from a wrecker. I had text messages, emails, change of ownership etc. Then they keep charging me / stealing money off me every 2 weeks for this vehicle that hasn't been in my possession for nearly 5 months. Multiple times I have contacted them, 3 different people and nothing is being done. Nor are they refunding me for the blatant thievery they continue to be doing. I'm still waiting for contact after mulitple attempts at contacting them to be told "someone will be in touch soon" . Also their website is always down. DO NOT GO THROUGH THIS INSURANCE COMPANY. There are many other companiesout there that treat their customers with respect.

online system doesn't work. no email response to trying to reset password, getting verification code. response to trying to reset as new user was to email me and ask to contact state to verify policy number. email was a do not reply email. can only use phone contact which results in endless waits, endless shuffling around by bored respondents who don't know anything and have to repeatedly ask supervisors to clarify most inane matters. in short appalling service

My vehicle claim remains unresolved after seven weeks. I was the victim of a hit and run but witnesses took the offenders number plate.
State have changed dramatically, are now rude, ignore emails and have been obstructive. They provide a complaints resolution service but have not acknowledged my complaint as promised. In any case it's a bit like marking your own homework. Disgraceful and in my view fraudulent, in that they claim to provide insurance but so far, have not, for no reason at all. Don't even think about State. I have six policies and will be finding another provider, even if more costly. They cannot be trusted. I will take this complaint as far as I can and spread my story to as many as I can

State are absolute rubbish. they kept taking money out of my bank for a policy that was cancelled. As the policy was not in my name they would not stop the PAYMENTS EVEN WHEN THE PERSON TOLD THEM THE POLICY WAS CANCELLED. UP TO ABOUT TEN CALLS FROM TO STATE AND THREE FOR THE PERSON WHO OWNED THE POLICY

In my early twenties and living on my own for the first time, I chose State as my insurer of choice for both my car and contents.

When my house was broken into and my belongings stolen, I was proud to have paid for insurance and so lodged a claim.

They sent an 'investigator' out who spent over two hours intimidating me into dropping my claim. He had a copy of my credit file (which I didn't authorise) and among other things claimed I was trying to scam money to resolve a default from years earlier (on a product I didn't understand). Despite having a police report and details of the theft, he told me that I would be sent to prison if I proceeded with the claim as it was obviously fraudulent.

I highly recommend you stay away from this company. That kind of treatment is inexcusable.

So rude ! Ive been with them for at least 30 years and each time ive dealt with them in the last few days they have been condescending with no follow through on what they say they are going to do !

We've been with State insurance for almost 30 years and never claimed anything. Instead of premiums going down our house contents and car monthly payments after so many years is now $304 per month, which is criminal. Anyway, I've finally done some research and for us in Napier we're now changing to AMP, as the cost difference was staggering.

Worst call centre I have ever dealt with. Put me on hold for 30 minutes over a simple query, then hung up. Will be cancelling my policy.

will I was with state insurance for a long time back in 2005
basically when you close the accident and you see it's your fault then that Great news is long as you say the truth then you don't need no worry to pay full price for the vehicle you hit
with a full licence excess fees about $300
but when he was panel beat it back up it was totally new so I drove of the car back home but with the business insurance companies car you must fill full the car back up to the top
then they would ensure your phone if it's broken they insurance everything.

Ok follow up from my previous review. Unfortunately they may have an off shore call center with really rude indian women that just hang up on you if u disagree with it that really let's them down. But after calling back and speaking to a lady in claims/recovery a different menu option I selected in call menu rather than just letting call thru to call center about my claim she really went above and beyond to sort the issue keeping the claim in progress & keeping my insurance with them (really wish I remembered her name possibly American or Canadian accent) anyway absolutely on shore office are professional and very helpful will be keeping state as my insurer.

Today has been an uproar with state call centre overseas filtering NZ calls outsource where their c/service is so bad, no email for documents in renewal policy amendments I've had to explain to 5 officers from morning upto the evening repeating myself no accountability in getting things right!! I've been with states for years, time to move on where respect & dignity goes a long way, your loss state with a valued client ☺️ find another provider

State Insurance is unresponsive, frustrating and basically hopeless to deal with. Cannot approve their own repairer's quote because their 'assessors' are too busy. Takes an insurance agent to get any information at all from them.
Not recommended.

Car had back bumper broken in October 2023. Its March 2024 and still not fixed. Mechanics said they are busy but I have seen other works are being done quicker except for insurance claim. I also have to leave my car with mechanic and spend on public transport for 4 days because they don't have alternative car for me to use. This seems like a very cheap service. Would not recommend.

Worst experience ever, very bad customer service and always takes agent to answer the phone.
Most representatives are rude and don’t have enough knowledge.

Very angry Indian woman at the call centre this morning. She ended up hanging up on me while I was trying to find out information on my policy! Really disappointing to see State throw all its customer service overseas to people to have no interest in being helpful. Walked away thinking it's in my best interest to find a new provider!

Im just giving them one star cause I cannot give none.
I’m having the worst experience trying to sort out a repair for my car.
My first quote was declined because the repair shop charged way too much to get it fixed and it was almost the amount the car is insured at. So far, no problem.
Then I asked them to let me get another quote (cause there’s nothing saying that I was only allowed to have just one quote) and they agreed with that.
They even gave me a couple of calls and emailed me to follow up and saying that they were just waiting for a second quote to continue with the process
Now that I gave them a second quote 5k shorter than the first one they basically said they won’t consider it and that my claim has been settled as a total loss WITHOUT CONTACTING ME
Is this how they care about their customers?
I have had experiences and insurance companies before and they usually allow you to have as many quotes as you want and State is by far the WORST I have ever had worked with. I’ll go search for my rights if I have to cause they have fooled me so bad now

I have had 3 claims in the last year. One due to cyclone in Feb. My friends used another insurance provider and were paid out the week after the cyclone for loss of food etc. Their insurance waived the excess. We made the claim the same day. Heard nothing for 6 months. Then were sent a settlement that with excess taken out left us with $100. In November I made a claim for my car that had been vandalized. We heard nothing. Apparently we had been forgotten about. Weeks later I was told to take it to repairer. It was to be written off. It was middle of January b4 we got paid out. Sadly 2 days after buying the new car we were in a car accident. First question we were asked is how we financed the new car. When I explained with the money from the insurance payout the man asked which insurance company..... still waiting to hear. I email, ring, sit on hold and get cut off. The worst is when they look at your files and say they see my emails......but don't reply.

Been waiting a month for my car to be fixed. Accident happened the th of Jan. was rung a week later to be told it was going to a panel beater to be accessed. I rang them a week later to be told they were waiting on parts. Went to the panel beater on the 5th of Feb. to be told they were waiting on approval of the quote. And they hadn’t heard anything from state since the 18th of January Then rang state to be told the quote was over the pre approved work limit and that they needed to send an assessor to check the car. By the sound of the lady from state, she seemed shocked that one hadn’t been sent out already. And it would now be a priority to send out an assessor to look at it

My full coverage insurance started at around 76 then increased to 125 after my first claim then they said my area is not good even though it’s one of the nicest places in chch ?? They increased anyway to 156 now they jumped Upto $256 a fortnight because of the economy back to AA just to note no one else in my family and friends who use state had this huge increase when there policy’s renewed recently for the economy 🤣🤣🤣🤣🤣

bad customer care, no patience,phone hangups,
please be kind with patience when the client struggling with communication or English is 2nd language