State Insurance — Wrong Fuel IS Covered

State Insurance Misfuel Claim

State comprehensive car insurance covers wrong fuel incidents — petrol in diesel, diesel in petrol. Here is how to get back on the road and claim back from State.

Call Eek Now: (866) 777-3712

24/7 Emergency Service — State-ready invoice included

What State Insurance Covers

Petrol accidentally put in a diesel vehicle
Diesel accidentally put in a petrol vehicle
Wrong fuel removal, extraction, and system flush costs
Repair costs for fuel system damage caused by the wrong fuel
Reasonable associated costs under the accidental damage provision

What State Does NOT Cover

✕Replacement fuel — you pay for the new fuel yourself
✕Damage from driving after discovering the misfuel
✕Pre-existing mechanical faults unrelated to the incident

Source: State Car Insurance Policy Wording (si6737-5-1124). Always check your own policy schedule. State Insurance is part of IAG New Zealand.

How to Claim on State Insurance — Step by Step

  1. 1
    Stop — do not start the engine

    If you have realised before starting, you are in the best possible position. Stay calm. Do not touch the ignition.

  2. 2
    Call Eek: (866) 777-3712

    We come to you — at the petrol station, at work, or at home — assess the vehicle on-site, and tow it to our workshop where the contaminated fuel is drained, the system flushed, and correct fuel added.

  3. 3
    Pay Eek directly

    Eek is not part of State's approved repair network. You pay upfront. Keep your payment confirmation — you will need it to claim.

  4. 4
    Get your insurer-ready report

    We provide a GST invoice and a technical incident report: what fuel was put in, how much was extracted, what was flushed, what components were checked, and the full cost breakdown.

  5. 5
    Submit your State Insurance claim

    Log a claim with State under your comprehensive vehicle policy. Attach the Eek invoice and incident report. State processes your reimbursement for covered costs.

State Insurance & AMI — Same IAG Group

State Insurance and AMI are both part of IAG New Zealand, the country's largest general insurer. Both brands use similar comprehensive policy wording that covers wrong fuel incidents. If you are not sure which brand you are with, check your policy schedule or the name on your certificate of insurance.

NZI is also an IAG brand, primarily used for commercial vehicles — coverage in commercial policies varies, so always check your schedule.

Wrong fuel right now?

Call Eek. We come to you, tow your vehicle to our workshop, and hand you everything you need to claim from State.

(866) 777-3712
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