State Insurance Arvostelua 

When paying out car kept 1/4 for "unpaid" future premiums when we were up to date. Scammers

Absolute insanity - my sons tyre fell off while driving, probably due to previous mechanic - weeks of back and forth, them asking us to provide a replacement tyre, to them saying they can't find one, to they would find one, then they would cover all 4 wheels and then only one - ended up with the spare tyre on it, they did one rear brake pad so the car is uneven and then charged him 1150 excess, for installing his spare tyre and one brake pad!! WTH!! absolutely terrible communication. will never use these guys again!!

The worst
No photos or proof of the claim of the car my husband didn’t even hit it it just happened to touched by the tow bar yet claim 3k over for it and they don’t have any proof of car damages coz there was no damage n the lady name Dani Wilson she’s the most annoying rude n think she’s all that didn’t even want to handle the situation she just want money
Worst place ever even the people scammers !!!!!
Dani Wilson get a life a proper one if can

One phone call to claim on nose to tail collision on My Car, Someone rear ended My Car. Sorted it out on the spot with State Insurance. Prompt follow up with Motor Hub repairer, took only two business days to complete repairs, as parts replaced. Loan Car supplied ,clean, modern Hybrid Car. State Insurance delivered, when it mattered, no fuss, Top Service,from HELEN CHEN. I was previously with Tower Insurance for many years. Got A quote from State that included A $100 Prezzy card.

This has been my worst experience with an insurance company. The claim process was confusing, customer service was unhelpful, and I had to chase them multiple times for updates. I felt like my concerns didn’t matter to them at all.”
I’ve been waiting almost 10 days for my claim, and they still say it’s processing.

Outstandingly SHOCKING service, processes and handling of claims. Week 6 and still no claim completion.
No communication, ignored requests to escalate the matter further and made a bad situation worse. I would never ever insure with these clowns again.

I took a content insurance from them. They denied my first claim for the reason that the content was more than 5 years old. When I first called them and spoke to a representative to check the quote, I wasn’t made aware of this condition.
So Eventually, the entire premium that I was paying has gone to waste. I will never go back to this company. I’d rather pay a higher amount and get an honest insurance company.
People, please don’t fall in their ‘weekly payment’ trap. Such companies should be reported to the government.

Like an idiot, when moving from NZ to London - and having sold my car - I forgot to cancel my direct debit for my car insurance :-( So, I called State from London, and spoke to a super-helpful guy named Matt, who with no fuss cancelled the direct debit and refunded the money that I had accidentally paid since June, when I moved. Thanks for a swift, easy, and compassionate response State! I'll be using you again :-)
Dr. Nick Brown

Shocking Service!
I drive a 2005 Daihatsu Hijet. Insured for private use, full comprehensive. I used this vehicle just to drive to work and back. Cost to do this $764 per year.

Last week I moved this vehicle over to my company as a commuter and to use as a little delivery truck. Moving all sorts of stuff. Way more risk to it being damaged or getting in an accident. Cost $668 per year.

Calling to cancel my Policy, the guy couldn't even speak proper English.

I will call in tomorrow to cancel my other 2 Policies with them.

People, shop around. And don't always trust the big names.

My review comes not as a customer, but rather as a person having to deal with State after one of their customers backed into our car, Our car was parked in front of our house (and we were nowhere near the car). Driver admitted 100% fault but State still wanted to pressure me to claim on my insurance. The representative talked over the top of me and proceeded to bully his way through the conversation. When asked for his name he initially just gave just his first name. I pressed for his surname and asked if the conversation was being recorded - Date and time of conversation recorded, Insurance council here I came if it’s not settled accordingly. Numerous people I have talked to have suggested that the IAG group are not the easiest to deal with. I will be checking who I’m with and will be moving companies if they have anything to do with IAG

Claims process is like eating glass.

Website is full of bugs, unusable. Can't change email address, having the call centre change my email address hasn't worked. Claims management features on site are broken.

I am left chasing my claim for days on end. Wait times on the call centre are half an hour plus.

Let's start with contacting State Insurance. I spent my whole lunch break on hold but nobody answered. I sent multiple emails regarding an active claim but I received no reply. My claim was finally addressed with an email and I was told my goods were not worth insurance so they cancelled my claim. That's quite insulting to be frank. Changing insurance now.

I recently filed a claim for malicious damage to my car with State Insurance, which was initially accepted. However, they later informed me that each instance of damage would require a separate excess, resulting in an additional 8 excess payments. I find this approach unreasonable, as it seems they only intend to cover total loss scenarios. Later one of the assessor came back to me after I have ordered parts to fix my car by myself and considered it total loss as the cost to paint and repair is more than my insurance amount, they decided to pay me my insurance amount minus 1 excess. I would have appreciated if they have been clear with me before itself. Kind of mixed feeling.

I contacted state insurance claims department regarding my daughter’s car break down. I originally spoke to a staff member not in NZ and was told my claim was declined. I was beside myself and phoned back when I wasn’t quite so upset to query it. I spoke to Reece (Rhys?) who went above and beyond. I also had help from Brendan who was also helpful. Honestly I had such a great experience after speaking with Reece. I was prepared to change providers but glad I phoned back to get another staff member who knew what they were talking about. He made my day/week/year!!! Keep up the good work because we all notice

Canceled a vehicle policy on May/June 25, got a refund processed based on sale date. fast forward to August 25 noticed two different deductions coming out turns out the old car had restarted payments but the policy number on my statements was changed to a new one; assumed this was my new car.. So sus.

Extremely expensive, terrible insurance. Claim partially declined with no valid reason given. Terrible customer service - they're very polite but extremely ineffective. I sent through details (quote etc) for my own repairer, as their approved repairers would take over one month to even assess the damage - then another month to get parts in. They advised it was all fine, so I booked it in, when I called to confirm, they said the quote hadn't even been sent to their assessor. This process can apparently take another 10 days. I called on Thurs,assured it would be rushed through under urgency for my vehicle booked for Tuesday. They still had not sent to their assessor. Called Friday - their team still had neglected to send despite their assurances. Called again on Monday, told it would take another 10 days and my car is booked tomorrow. Now I have to tell mechanic to cancel courtesy car and all of his arrangements, and I have taken the morning and evening off of work to drop the car, and State have not even approved the repair yet despite having had the quote and details for a very long time. How embarrassing, frustrating and extremely disappointing. In the meantime my car is being damaged from not being repaired. I will be canceling my policy and going to Cove or another insurance provider.

Do not consider taking this Insurance unless you want to be scammed. They offer competitive rates so that they can sign you up and then scam you. Even for a basic claim where you can show photos and proof of an accident, they would find the most ridiculous excuse to pass blame. Better to sign up for someone better and pay a little more. You get absolutely no protection with their cover.

Absolute joke of a insurance company, their online app is pathetic! Tells me it doesn't recognize my email address even though they sent my renewal docs and of course they still get their money direct every month! EVERY time I need to do anything with my policies it is the same crap of having to call so called customer service who don't have a clue why their system has glitches!! They want us to use their online system yet is doesn't work! All the dam money this company makes and they can't fix a website!!! Disgraceful!!

The payment system has issues i rang them to resolve an issue where the payment were being attempted on the wrong dates 3 times 2 weeks apart each time my payments were overdue but there was money for them to take. Then I stopped getting an email saying payment overdue wohoo ots working I figured we'll it wasnt then after a couple months I get my first ever text alert saying I'm overdue no emails. Apparently I hadn't made any payment since I rectified the issue last phone call. Now I owe them $360 and they will not take any accountability for their mistakes I've been a customer for years never made a claim and all they have done is take my money get things wrong and make me repeat myself do not use this company if you want to just set your policy up and let automatic payments take care of it you will be shafted unexpectedly and you will not get help from them

I've been waiting for over a week for the investigation team to contact me regarding a simple claim for a broken window glass. Despite multiple follow-ups, the customer service team has no answers or updates to offer.

If this is how a basic claim is handled, I can't imagine the experience if a serious incident were to occur. Truly the worst customer service I’ve experienced — extremely frustrating and disappointing.