Using your existing policy with State you can create an online account to view your policies.
Passwords provide the first line of defense against unauthorised access to your computer. The stronger your password, the more protected your computer will be from hackers and malicious software. You should make sure you have strong passwords for all accounts on your computer.
Your password must contain:
Minimum 8 characters | 1 Upper character | 1 Lower character | 1 Number
You'll find your policy number on your latest policy documents that we've emailed or posted to you.
Terms and Conditions of Use
This document contains the terms and conditions ("terms and conditions") that apply to your access to and use of our:
(together our Online Services).
By registering for, downloading and/or using any of the Online Services, you agree that you, and anyone else who uses our Online Services on your Mobile Device (irrespective of whether such person does so with your permission or otherwise), will be bound by these terms and conditions. Other terms and conditions will also apply to our products and services or any part of them, such as specific Policy terms and conditions available on the Website.
In these terms and conditions, the following terms have the corresponding meaning:
Account means the online profile you have with us that is accessible via the Online Services;
Account Holder means the person who has registered an Account;
Alert means any optional Alert service we provide that enables you to receive pre-determined Account information electronically (including, but not limited to email, text, or other electronic messaging services);
Business Day means any day other than a Saturday, Sunday or public holiday in New Zealand;
Electronic Services means the services we provide that enable you to use a computer or Mobile Device to do the following in relation to certain Policies you hold with us:
To avoid doubt, the Electronic Services may not be available for all of our products and services and the Electronic Services in respect of some of our products and services may have limited or different functionality and may not allow you to do all of the things listed in paragraphs (a) to (d) above;
Mobile Device means a mobile phone or other electronic mobile computing device that you use to access our Online Services;
Mobile Applications means State App and such other application software that we make available to you from time to time for use on any Mobile Device for the purpose of accessing and using our Online Services;
Password means a series of between 8 and 32 characters containing at least one upper case letter and one number that you choose and then use to access your Account;
Policy means any insurance policy that you hold with us and that can be accessed via the Online Services;
Policy Number means the number we give you to identify you and your Account;
we, us, and our means State, a business division of IAG New Zealand Limited, company number 441010, 1 Fanshawe Street, Auckland 1010 and any companies owned by, or related to, us;
Website means https://www.state.co.nz and such other websites (at such other addresses) as are made available by us from time to time; and
you means the Account Holder, including (as may be applicable) an individual, a company, a partnership, a trust, an estate, a society or a successful applicant for any of our services. Where there is more than one Account Holder, you means all of them jointly and each of them severally.
As well as these terms and conditions, our insurance policy terms and conditions apply to any products or services provided by us, as well as any other specific terms and conditions applicable to your Policy. Our policy wordings are available on the Website.
Some compulsory laws apply to our products and services. We must comply with those laws, and they will prevail over these terms and conditions and any other terms and conditions that may apply to your Account.
Unless you are using the Online Services for business purposes, the guarantees given to consumers under the Consumer Guarantees Act 1993 will apply.
We can change these terms and conditions at any time. When we do so, we will tell you about the changes in one or more of the following ways:
However, where changes are made to protect the security of our systems or to comply with a change in the law, we can notify you after the change has become effective.
If you are not happy with a change that we make to these terms and conditions, you can end your use of Online Services in accordance with clause 6.1 of these terms and conditions.
We can, at any time, make changes to (including adding and removing) the functionality, format, content, means of accessing, or operating system specifications for, the Online Services. We can make these changes without prior notice to you. However, where the change is significant, we will endeavour to give you prior notice in accordance with clause 2.4 of these terms and conditions. If any new or existing functionality causes you concern please contact us immediately so that we can discuss other alternatives that may suit your needs.
Please visit https://www.state.co.nz/contact for information on how to contact us for support. We will not give you advice on your Mobile Device, data connections, network charges to your Mobile Device and/or its associated accounts or policies. We can monitor or record your phone calls to us for quality assurance and training purposes.
You must notify us immediately if:
You will need to give us the following information:
We may ask for more information from you to help us in our enquiries. We will make every effort to answer your questions or resolve your complaints quickly and fairly. Where we find that an error has occurred, we will promptly correct the error (to the extent possible).
Failing to immediately exercise a right we have under these terms and conditions does not prevent us from exercising that right in future.
Your Password must be a series of between 8 and 32 characters containing at least one upper case letter and one number. You must choose a Password that is not obvious and that cannot easily be guessed. As such, your Password must not:
To gain access to Mobile Applications you must:
We will endeavour to provide you with uninterrupted access to Online Services, subject to any necessary downtime that may be required for system maintenance, repairs and updating, or loss of access resulting from matters beyond our control.
You agree that you will not:
You agree that, if you make unauthorised modifications to iOS (such as by way of a "jailbreak") or the Android operating system (such as by way of "rooting"), you do so at your own risk and you are solely responsible for any loss or damage resulting from such unauthorised modifications. You agree to indemnify us for all direct and indirect damages, losses and costs of any kind incurred or suffered by us as a result of, or in connection with, any such unauthorised modifications.
You accept that the use of your Policy Number and Password (or any other security features or measures introduced by us from time to time) gives us authority to action and/or process any instructions we receive in relation to your Account. You agree that we have that authority whether or not you have actually given authority for the instruction. You agree that we may do any of the following things:
We can monitor or record any instructions we receive from you mainly for the purposes of carrying out such instructions, improving our services and/or identifying and marketing insurance products, services or promotions that may be of interest to you.
You acknowledge that these terms and conditions are between us and you, and not Apple Inc. You are given a revocable, non-transferable and non-exclusive license to use Mobile Applications (including any updates to it) on your Mobile Device in accordance with these terms and conditions and the Apple Usage Rules in the App Store Terms of Service.
In the event that any failure of the Mobile Applications to conform to any applicable warranty (whether under New Zealand consumer law or otherwise), Apple will refund the purchase price (if any) for the Mobile Applications, however, subject to these terms and conditions, we are solely responsible for Mobile Applications, and Apple Inc. is not responsible for Mobile Applications in any way. To the maximum extent permitted by law, Apple Inc. has no warranty obligations whatsoever with respect to Mobile Applications. You agree that we, and not Apple Inc., are responsible for the following things:
You warrant that you are not located in a country that is subject to a US Government embargo or is designated by the US Government as a "terrorist supporting" country, and you are not listed on any US Government list of prohibited or restricted parties.
You acknowledge and agree that:
We may use Global Positioning System (GPS) location information provided by your Mobile Device to provide certain Online Services to you and/or to provide the Mobile Applications with information about your location for the purpose of providing you with information regarding the relevant Online Services and/or for the purpose of identifying and marketing insurance products, services or promotions that may be of interest to you.
The Mobile Applications will request your permission to use your Mobile Device's GPS location information at the following points:
If you choose not to allow Mobile Applications to access your GPS location data, you may still be able to use the relevant Online Services by inputting your location information manually (although we cannot guarantee that this will be the case). If you want to retract your permission for the Mobile Applications to use your Mobile Device's GPS location data, you can do so using your Mobile Device's location services settings (usually found in privacy settings).
You can close your Account at any time by contacting us. Simply removing a Mobile Application from your Mobile Device will not have the effect of closing your Account. You will remain responsible for any transactions made on your Account via the Online Services, and any fees incurred before the time that your access to your Account is ended.
We can suspend or end your access to the Online Services (or any part of the Online Services) at any time. Where appropriate, we will give notice to you in accordance with clause 2.4 of these terms and conditions. However, there may be circumstances where we will suspend or end Online Services without prior notice to you. We will not be responsible for any loss you may incur as a result of the suspension or ending of your access to the Online Services, unless we have done so in error.
You consent to receiving all notices, certificates, consents, approvals, instructions and other communications ("communications") in electronic form by electronic communication through any of the Online Services (including secure messaging via Online Services).
A communication is deemed to be sent by us and received by you (even if you are not aware that you have received it) when the communication enters the relevant information system on, for example, your computer, mobile phone, or other Mobile Device.
Alerts may be available for your Account and are subject to the following terms:
Some of the information contained in the Online Services is necessarily generalised. The insurance cover described is in summary form only, and is subject to the terms of the applicable Policy wording and schedule. We encourage you to read the applicable Policy wording and schedule, and obtain professional advice before acting in reliance on any information provided via the Online Services. While every effort has been made to ensure accuracy of information provided on the Online Services, no liability is accepted for any errors.
The Online Services may contain links to internet websites maintained or owned by third parties. We do not endorse or approve of the content or material on those other websites and are not responsible for any content or material on those other websites.
We will provide the Online Services with reasonable care and skill, however we do not represent or warrant that the Online Services or any part of them will:
This exclusion applies regardless of whether such liability arises in contract, tort (including negligence), equity, breach of statutory duty or otherwise.
If you have any questions about Online Services or these terms and conditions, please call us on our NZ and overseas contact numbers listed on our Contact Us page (Please visit https://www.state.co.nz/contact). International toll charges may apply.