State Insurance Arvostelua 

Went online entered all my details to create a car insurance quote that came to me as $797.72 P.A incl G.S.T & Taxes. Press button to accept and buy insurance, prompt comes up with a page where I have to re-enter my exact same details again, like exactly what I have just filled out, why?
Purchase price has now changed to $1210.92 P.A
Phone up the call centre to find out why, I got put on hold a long, long while. Then after navigating a large language barrier and a lot more time on hold I get the answer of we need to create another new quote. I do this, give the lady the exact same details again and get another price offered $1102.00 P.A. I then ask again why is there a $400 difference between the quote given online and what is now being given to me The lady I spoke to can also see the original quote on her computer and doesn't understand why.
Get more hold time. Lady comes back with you need to enter the original quote via a State Insurance portal to get the original price. The portal does not accept my details and tells me to call the "customer service centre" to check my details. After another way too long hold time and a million checks of the spelling of my name and details, the lady and her underwriter could not resolve the portal problem or answer why there is a $400 variance in quote price and the actual purchase amount.
They basically said it was "your details given have now changed the amount even though we know they are exactly the same details". W.T.F ? - They answered me, with my own question.
In the end i spent two hours on the phone getting no answers and no insurance. Took it as a harbinger that this Company is really shit to deal with.

Terrible systems and service. Got a quote online after entering all my details. Went to accept the quote and had to ring the 0800 number. Confirmed quote number and my details and then had to proceed again through the whole quote process and the information had not been saved. Finally got to the end of the quote for the second time (30 minutes later) then they had to get approval even though there were no flooding or slipage issues with the area the house house. After and 15 minutes finally got through the quoting process.
Finally recieved my policy and some of the details that I told them had been entered incorrectly. Not ringing back.
How can this insurance company keep operation with such terrible systems and service

Doesn't even deserve one star. Absolutely terrible! Do not use this company!
They told me they cancelled my policy and yet months later I find out they haven't and are still charging me and I'm yet to get a refund. They keep telling me they'll get back to me and they NEVER do. I've spent countless hours on the phone with them and have made no progress whatsoever.
This company is an absolute scam. Do not reccomend.

Firstly, I don't even give them 1 star but no option.

I would like to bring to your attention a concerning experience I had with my recent car insurance policy. I purchased a policy for $64 a month for one year but decided to cancel it within three days due to unsatisfactory service.

On October 30th, I followed up to confirm the cancellation and verify my account details, yet I did not receive any response. Subsequently, I contacted the company again on November 1st, where I was assured that my policy was indeed cancelled. However, I was surprised to see a charge of $130 on my account the following day.

This experience has been quite disappointing, and I strongly recommend reevaluating the customer service practices in place to avoid similar situations in the future. Thank you for your attention to this matter.

I recently had a frustrating experience with State Insurance regarding a claim that took over a year to process. After my accident, I found myself waiting nearly 11 months for a resolution. This delay forced me to sell my vehicle in a damaged condition about six months post-accident.

The customer service was disappointing. Each time I called, I found myself on hold for over 30 minutes, making it difficult to get the claim moving forward. The lack of timely communication only added to my frustration.

When I finally received an offer, it felt like a lowball settlement. After waiting so long, I was so exhausted by the process that I just wanted to put it behind me, even though I knew the offer didn’t reflect the true value of my claim.

Overall, my experience with State Insurance was far from satisfactory. If you're considering them, I recommend being prepared for a long and tiring claims process.

I would recommend using FMG Insurance.

Horrible experience. Have always been a loyal State customer in the past since I was 18. Only claimed one other time with first car. Now 15 years later need to claim on a car had just purchased on 23rd of September. They want to write off a perfectly sound car. Only need front door, front right guard and bumper replaced. Want to pay me out $1,000.00 less than I paid for it. No way not when the previous owner just spent over $2,000.00 on the last service to have work done on it. Would not recommend and will not be using for future insurance matters.

never had a problem with state,have been with them for years,got a email the other day policy plain English great stuff, easy and plain English all the way thanks state keep it up mike.

I’ve had to call State Insurance three times over the past few months for something as simple as changing my payment from annual to monthly. Each time, they assured me it was taken care of, yet every time I check, nothing has been changed. This has now happened three times, and I’ve spent about 1.5 hours on the phone trying to resolve what should be a straightforward issue. Unfortunately, it feels like they aren’t following through, and it’s incredibly frustrating to have to keep chasing them for something that should be easy to fix.

I didn't even get as far as taking out a policy with State. Dodged a bullet if the other reviews are anything to go by. I wanted a quote for house insurance, shopping round at my renewal. Other insurers were taking on average 50 minutes to give me a quote, State took 1.5 HOURS - and even then, they hadn't got to the point of being able to tell me how much the premium would be. The guy kept getting the wrong end of the stick, repeating questions, leaving me on hold for minutes on end, then reading info back to me that I'd provided but he'd obviously entered it incorrectly. Round two the next day in an attempt to find out the premium with a different rep who was just as bad. AVOID

If there’s a such thing as -‘star’ review, i would have put that on.
Their slogan is ‘for too busy life’, definitely not for customer busy life. For the Company “busy life”.

I’ve been trying to get a confirmation on a property for bank purposes ( in which most times, we are working with timeframe), i got nothing at all.

Every phone call i made, the agent are only trained to greet you and said I’m sorry I can’t help.

If you are thinking to get state as your insurance cause they are cheap? Rethink again. There are way better insurance, cheap and with way better services.

Let’s say if today there’s an urgency in your house, you can wait till the day you took your last breath then they will reply to you.

To the agent Andrew Welch, i really really appreciate your help and all your work. I do hope you get the best in your work and life. God bless you mate.

So many calls we made and only one agent that actually help us. I do hope he get incentive or promotion for his work.

Ridiculous experience. I’m a poor uni student trying to pay my car insurance and one time my payment bounced back I received two posted letters two emails and a text message from them saying I missed a payment, I call them to try pay the money back and that’s all well and good, when I pay the money back however it “rejected” and because of that they canceled my insurance. No email no message to tell me the money hadn’t go through. I only found out today looking through my bank account that they weren’t taking money- out only to call them and have them tell me they canceled my policy. I asked why I had never received any communication regarding this and they said they sent me one letter. I asked why not an email or a text message and they said because not everyone has a email or phone number. I said I never received a letter and I was told that it must be the post offices fault. They were perfectly capable of emailing me and messaging me when I owed them money but as soon as I didn’t all they could do was send a letter, which isn’t exactly the most air tight way to send important information. I had no insurance on my car for 2 months without my knowledge due to them. I drove 16 hours with no insurance, if anything had happened I would of been screwed. Genuinely the most unhelpful, money obsessed people ever.

USELESS STAFF
Do not use this insurance company. Every staff member you speak to tells you something different. They owe us a refund for a cancelled policy and instead of refunding us they have taken MORE money. The staff on the phones are useless. We have spent hours and hours on the phone to them getting nowhere. Absolute waste of time, do not recommend.

Hello,My car was insured with State Insurance and due to higher premium I decided to cancel my policy so today I made up a call and spoke to Quanta and she helped me for cancelling my policy. She provided me with the BEST customer service. Really appreciated for her sweet, kind and polite gesture. She is definetly an assest to your company. Thank you Quanta. It was a great start of the day as I spoke to you in the morning😊

I would like to express my disappointment with State Insurance. Despite updating my address with them a year ago, it still hasn't been updated. Additionally, my car claim, which was filed nearly 6 months ago, has not been resolved. I've tried contacting the claims department multiple times, but haven't received a satisfactory response. Instead, I've been pitched house insurance, which I find inappropriate. Moreover, there's an outstanding offer from the parts supplier for my car that hasn't been approved yet. What's the point of having insurance coverage??? THIS INSURANCE COMPANY IS SUCKS!!!

removal of no claims bonus with the added increase to premiums with no communication about any of the changes they have made, they devalue the insured amount but increase the premium without accountability

Had a few alright claims experiences 2021 and before (3 were not my fault) but this recent one really has taken the cake.

I had an uninsured driver rear end me, I got all his details as per the excess protection part of the policy (ie name, licence plate, drivers license, address, phone number - double checked the phone number and address as well).
I took the car in the next day for an assessment and he said it’d be a write off, he was nice and cable tied my car back together so I could drive it home and explained the next steps. Guy called the next day confirming it’s a write off. Collections lady called on a public holiday which I missed but sent me a templated email saying they were yet to get hold of him and details wernt right. I was very confused as I had called his number to make sure it was him and took a picture of his car at his address with the letterbox showing. I emailed back with some questions and never got a response.

I put the car on the road as I assumed they’d want it towed asap but this also wasn’t booked for another 4-5 days, in that time someone tried stealing it.

The lady who called to pay out the amount minus the excess wasn’t empathetic at all in regarding my excess, had no answers as to why it wasn’t waived yet but also said well we won’t be refunding your premium, it’s in the policy.

During all of this nobody could tell me what the hold up was with my excess not being waived (we’re talking 6 different people). My claim in the portal also was stuck on ‘take your car in for an assessment’ which I’d done.

I ended up just texting the guy asking him to call them, they called me with him on the phone still asking who he was and why he was calling in regards to the claim (I mean his name, license details and phone number were on the claim due to him hitting me…).
I had to explain it in plain detail why I told him to call - they needed more details obviously and wouldn’t tell me what they were and since he was now on the phone they could get the details they required. Within 6 hours it finally got waived, But I shouldn’t have had to chase it.
It likely would have gotten missed too as they closed my claim on the portal and my policy disappeared due to it being a write off.

They also don’t refund the remainder of your annual premium (even if you have 11 months remaining on it) to put towards a policy for a new vehicle but if you pay monthly they don’t charge you for the full year ‘contract’ in your payout. Vero and Club Auto do refund.
State did say they are changing everything so monthly payments will get charged for the full year in the case of a write off so I guess if this is you, watch out!
I also learned that any registration you have paid on your car will be refunded back to them upon cancellation of the registration.

While running through this all I found AA were $400 cheaper for contents and Club Auto were $300 cheaper for car insurance. I mean at this point we aren’t paying for great service are we?

I raised this in the complaint I made while querying why after ten years of being with them they couldn’t just refund the premium this time (it was $250 I was asking for in order to stay). But nope, they don’t have a ‘retention’ team as such, don’t match prices and 100% won’t refund anything because of loyalty and a bad time.
I was told to just close my complaint twice as it wouldn’t go anywhere, I don’t have the energy to fight this so ended up closing it.
The email upon the complaint closure suggested they actually could have paid something if they felt like it. So it was abit of a big ‘well f you’.

But hey, since all of this I stand to save $700 and not just the $250 I was wanting back so I guess I can thank them for being crap and forcing me to look for other better companies.

I'm mind blown at how state insurance has inbuilt systemically practices.that seem counter to there image and good service.12 yr high end insurance fees.over two months now I've been waiting for an assessment. For a minor repair.they can't tell me if it's 2 days or 6mths to get the assessment done.there part is 700.they say they have no obligation to give me a time frame for the assessment..the Mind boggles.ive have 3 policies I'm canceling. Life long customer lost.because they have no idea what the assessors do.any serve providers has an obligation to provide a fair and time effective estimate.no car for pver 2 months so far with no indication of telling me how long my assessment will be.yes or know.a few hundred dollars .they lose 200 a month life long customer.my ulternator was damaged by a power surge.the saying pos wear n tear.i don't agree.but it's just talk they have not completed the assessment with no idea of when.that will be.thats my car.they have no right to hold me back in my work over an assessment. A time frame for any service is only fair. I can't wait il have to fix it myself.with no idea of how long it will take..ridiculous. fast to receive delay to serve.

Very disappointing service. They have increased my premium by 30% in a renewal document without explanation, I canceled the policy online before the renewal started, but got an e-mail 2 days later that it had been renewed anyway. Called the support, they said they cancelled it. Now got a cancellation e-mail that they are going to charge me for the period since the "renewal" up to today. Outrageous.

Threatening my 90 year old mother in law with canceling her policy due to a mistake State made ( writing down the wrong account number ) is a unique way of stating (forgive the pun) that you don't give a hoot about your customers.
Try better training of your customer representatives instead of phoney advertising campaigns.

If they’re not completely incompetent then they’re absolutely deceitful. Still waiting for my car to be repaired after 7 mths (5th jan 2024 till 6th July and counting) Lied about it being accessed and waiting for parts. Went into the panel beater a couple of weeks after ringing state when they said it was waiting on parts. To be told by the panel beater it hadn’t even been assessed yet. Then they give me the accessors number to ring him to sort it out . Told it would be 14 weeks, ended up being 19 weeks. And still waiting for it to be repaired 3 weeks late, absolutely no communication from state at all. Will never be insuring wth them again