Policy Renewal

State, a business division of IAG New Zealand Limited

Car Comprehensive PO Box 3233 Wellington 6140
Phone 0800 80 24 24
From overseas call +64 9 969 1150
Visit www.state.co.nz

Mr R Camacho
27 Gilfillan Street
Blockhouse Bay
Auckland 0600

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26 May 2024

Dear Mr Camacho,
Thanks for choosing to insure with State. Your insurance is due Your policy summary
for renewal on 06 July 2024. Please find enclosed your:
Policy type Car Comprehensive
t Policy Schedule - showing specific insurance details and
any changes we've made to your policy Policy reference MOT734442756

t Premium Advice - detailing how much your cover costs Risk Description 2015 Honda FIT
t Instalment Plan - the dates your premium will be deducted Premium $1,460.10

Please remember Discounts Immobiliser Discount

applied
1. Check these documents carefully as they form the
insurance contract you have with us. If you need to
change or add anything call us on 0800 80 24 24.
2. Check that the sum insured shown on your Policy
Schedule correctly reflects the current value of your
vehicle.
3. Prepare for your payment of $56.35 to be deducted on
17 July 2024.

Important information you should know about

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We've included some important information overleaf about the
way we price your insurance. If you'd like more detail, visit
state.co.nz/car-premiums. My State, your
We're on a journey to simplify Online Account
We're evolving our policies and services to ensure we're
providing the kind of cover New Zealanders need most. As part Your online account is where you
of this journey we have removed Multi Policy and Years of can see all of your policies in one
Insurance Discounts, and we'll give you a simple, great price place and when they renew.
upfront. We'll be gradually introducing new easier to Go to state.co.nz to register.
understand flexible policies that suit your individual needs and
circumstances, along with a new digital experience.
We're here to help g
MOT734442756000007614

If you have any questions about your policy renewal once you've
reviewed this pack, check out state.co.nz or give us a call on
0800 80 24 24. If you'd like to discuss payment or options to
help manage costs, we have a dedicated team who can provide
LTRRNL

friendly and confidential support.

Yours sincerely,
The team at State

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 Change in premium
Your premium may have changed from last year, as we regularly review our prices to ensure you are paying a fair and appropriate
amount for your insurance. Please have a look at the 'Premium advice' page for all the details of your new premium.
What's affecting insurance prices?
Insurance premiums are influenced by a number of factors. Some factors relate specifically to you, the driver. For example, where

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you live, your past vehicle claims and the type of car you drive. Other factors are more general. For example, advancing technology
in newer model vehicles and inflationary increases in parts and repair costs have resulted in an increase in the cost of claims.
Similarly, an increase in the frequency of adverse weather events has resulted in a higher frequency of claims. To find out more
about insurance prices, go to state.co.nz/car-premiums.
Fire and Emergency New Zealand Levy Change
Since your last renewal, the Government has increased the Fire and Emergency New Zealand (FENZ) Levy which forms part of your
total premium. Learn more at fireandemergency.nz/levy-rate.
Ways for you to save
Everyone's situation is unique. There are a few different ways you can save on your premiums while continuing to stay insured
should the worst happen. Our team can review your insurance with you and find tailored solutions to suit your needs. Find out
more at state.co.nz/ways-to-save, or please call us on 0800 80 24 24 if you're having difficulty making ends meet.

How to pay
As you currently pay by fortnightly direct debit, we'll continue to deduct payments from your credit card. Just check your instalment
plan for the dates your payments will be taken out. And don't forget, if you've given us your Flybuys number, you'll collect Flybuys
with State.

Things you need to know

You need to tell us if there is anything that may affect this policy that we don't already know about. If you don't tell us, then your
insurance may not be valid and you may not be covered if you ever need to make a claim.

Examples of things you should tell us about are:

t Any instances of insurance being declined, cancelled, refused or having special conditions imposed in the last 5 years;
t Accidents or losses over the last 5 years and convictions in the last 7 years;
t Any change in circumstances that may increase the risk of a claim.

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Please call us on 0800 80 24 24, if you're not sure what issues might affect your insurance. We treat all information you give us in
accordance with the Privacy Act 2020.

Did you know?

Your inbox is the new letterbox
Want to receive tips, offers and competitions straight to your inbox and save a few trees too? Just register your email address at
state.co.nz/email.
My State, your online account
Register for an online account to download your policy documents and check when they're up for renewal, or view them on the
State App. Visit state.co.nz/mystate with your policy number.
Collect Flybuys
Earn every time you pay your insurance. Just give us your Flybuys number at state.co.nz/flybuys.

Page 2 of 2
 Premium Advice
State, a business division of IAG New Zealand Limited
Car Comprehensive PO Box 3233 Wellington 6140
Phone 0800 80 24 24
From overseas call +64 9 969 1150
Visit www.state.co.nz

The Insured Mr Rol-Mer Camacho

Your policy is
due for renewal Policy type Car Comprehensive

Policy reference MOT734442756

Period of cover This insurance is valid from 06 July 2024 to

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12am 06 July 2025, subject to premium payment.

Risk description 2015 Honda FIT

Registration: PHY665
Sum insured $12,900
Discounts applied* Immobiliser Discount of $11.94
* Discounts apply to the base premium (or the net base premium amount after deduction of any other
discount(s)) and do not apply to government levies, GST or optional extensions.

Check your policy Please review the documentation enclosed and contact us with any questions.

State premium $1,260.12

Your premium
Fire and Emergency Levy $9.53
GST $190.45
TOTAL $1,460.10
Tax Invoice when paid GST number 51-860-403
When you pay by instalments, the total per year will be more than if you paid the annual
premium in one lump sum.

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MOT734442756000007614
ADVMOT

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Insurer financial strength rating
State is a business division of IAG New Zealand Limited (IAG). IAG has received a financial strength rating of AA from Standard &
Poor's (Australia) Pty Ltd, an approved rating agency.
A rating of AA means IAG has a 'very strong' claims-paying ability, as you can see in the scale below.

AAA (Extremely Strong) BB (Marginal) SD (Selective Default)

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AA (Very Strong) B (Weak) D (Default)
A (Strong) CCC (Very Weak)
BBB (Good) CC (Extremely Weak)
The ratings from 'AA' to 'CCC' may be modified by the addition of a plus (+) or minus (-) sign to show relative standing within the
major rating categories.
The rating scale above is in summary form. A full description of this rating scale can be obtained from
www.standardandpoors.com.

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 Policy Schedule
State, a business division of IAG New Zealand Limited
Car Comprehensive PO Box 3233 Wellington 6140
Phone 0800 80 24 24
From overseas call +64 9 969 1150
Visit www.state.co.nz

The Insured Name Age Gender

Policy details
Mr Rol-Mer Camacho 29 Male

Policy type Car Comprehensive

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Policy reference MOT734442756

Period of cover This insurance is valid from 06 July 2024 to

12am 06 July 2025, subject to premium payment.

Risk description 2015 Honda FIT

Hatchback 1497cc Direct Injected
Registration: PHY665
This vehicle is used for private use
This vehicle is normally parked overnight in Blockhouse Bay,
Auckland
Modifications/Security devices
Security immobiliser (to insurer standards)
The value of these modifications is included in the sum insured.

Sum Insured $12,900

This policy has a policy excess of $400

Excess details In addition to the policy excess
• an excess of $1,200 for all drivers under 25. No drivers under 25 have been disclosed to drive
this vehicle
• an inexperienced driver excess of $450 for any driver 25 or over with less than two years'
driving experience
Please refer to your policy wording and endorsements for more details.
Selected
Additional cover

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• You have State Roadside Rescue cover
• You have windscreens and windows cover
Not selected
• You do not have hire car cover
Please see your policy wording for cover details

Endorsements Not applicable

Finance type Secured Finance Company

Finance details
Name Westpac New Zealand Limited

Name Age Gender Licence type Licence held

MOT734442756000007614

Driver details Mr Rol-Mer Camacho 29 Male NZ Full 9 yr

Payment details This policy is paid by a fortnightly instalment plan.

SCHMOT

IMPORTANT: For a copy of your Policy Wording please visit state.co.nz/policy-documents.

Issued on: 25 May 2024
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 Instalment Plan
State, a business division of IAG New Zealand Limited
Car Comprehensive PO Box 3233 Wellington 6140
Phone 0800 80 24 24
From overseas call +64 9 969 1150
Visit www.state.co.nz

Policy type Car Comprehensive

Policy details
Policy reference MOT734442756

Period of cover This insurance is valid from 06 July 2024 to

12am 06 July 2025, subject to premium payment.

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As you have elected to pay your premium totalling $1,460.10 by fortnightly instalments
Instalment plan from your credit card, please find included the payment details for your insurance policy.
Please note that:
• the instalment amounts may vary slightly. This occurs when the premium cannot be
divided equally over the period of cover.
• should an instalment fall due on a national public holiday or weekend it will be debited
the next working day.
Please check that the information recorded here is correct.
Credit card number 540223******1196
Credit card expiry date 12/24
For security reasons we do not display your entire credit card number.

Instalment number Date Amount

1 17/07/2024 $56.35
2 31/07/2024 $56.15
3 14/08/2024 $56.15
4 28/08/2024 $56.15
5 11/09/2024 $56.15
6 25/09/2024 $56.15
7 09/10/2024 $56.15
8 23/10/2024 $56.15
9 06/11/2024 $56.15
10 20/11/2024 $56.15
11 04/12/2024 $56.15
12 18/12/2024 $56.15
13 01/01/2025 $56.15

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14 15/01/2025 $56.15
15 29/01/2025 $56.15
16 12/02/2025 $56.15
17 26/02/2025 $56.15
18 12/03/2025 $56.15
19 26/03/2025 $56.15
20 09/04/2025 $56.15
21 23/04/2025 $56.15
22 07/05/2025 $56.15
23 21/05/2025 $56.15
24 04/06/2025 $56.15
25 18/06/2025 $56.15
26 02/07/2025 $56.15
MOT734442756000007614

If you wish to discuss your Instalment Plan or any aspect of your insurance
please call us on 0800 80 24 24.
INSPLN

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