State vs Mercer NZ
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
State
Manage your insurance policies, make payments, and start claims 24/7. Get new quotes in minutes and access all your policy documents easily. Log in quickly with PIN or Face ID.
- 24/7 insurance management
- Fast login with PIN/Face ID
- Online claim submission and tracking
- Policy payment management
- View policy information and documents
- Get new quotes in 2 minutes
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About this app Your State insurance anytime, anywhere. With the State app, we’re here for you 24/7. Manage your insurance with faster log in using a PIN or face ID. Make a claim online Starting your claim is easy in the app. If you need to claim for home or motor insurance, you can start a draft, make a claim, and check your claim’s progress every step of the way. Easily manage your payments Make a payment for your policy straight from the app. All your policies in one place View your policy information and documents in the app. You can see what you’re covered for at any time. And choose to get your insurance documents by email or by post. Get a quote Get a new quote in 2 minutes. Or find an existing motor quote and pick up where you left off.
Mercer NZ
Manage your financial decisions and access scheme benefits easily. This app is designed to support your financial wellbeing by providing convenient access to all your plan's advantages.
- Access scheme benefits
- Make financial decisions
- Support financial wellbeing
- Easy access to plan advantages
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Mercer's priority is the financial wellbeing of our members. You can easily access all of the scheme benefits and make your financial decisions through this App.
Screenshots
Verdict
The clearest difference is update cadence: State at monthly against Mercer NZ's every 4 months. State also leads on review sentiment (11% vs 0%). On price, ads, in-app purchases and monetization model there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
State ships an update monthly, Mercer NZ every 4 months. The most recent releases landed on October 10, 2026 and October 17, 2026 respectively.
| Parameter | State | Mercer NZ |
|---|---|---|
| Price | Free | Free |
| Rating | 4.5 (4 ratings) — better | — |
| Positive reviews | 10.8% of reviews — better | 0.0% of reviews |
| Number of ratings | 4 — better | — |
| Update frequency | Monthly — better | Every 4 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad | iPhone, iPad |
| Requires iOS | 17.0 | 16.6 — better |
| Further details — not scored | ||
| Size | 78 MB | 25 MB |
| Age rating | 4+ | 4+ |
| Developer | IAG New Zealand Limited | Mercer |
Customer experience
State
Mercer NZ
Bugs and requests
State
Reported bugs
17 issues- App requires newer phone/OS
- Login issues (timeouts, incorrect password, constant logouts)
- Cannot add drivers/make changes
- Security number expiry issues
- Claim processing delays
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- App crashes when viewing policies
- Authentication errors
- Registration stage not working
- App doesn't work or shows 'service not available'
- App bounces back to main menu with error
- App shows old/overdue/incorrect policies
- Buttons not functioning (roadside assistance, settings)
- Offers feature not working
- App doesn't render correctly on iPhone 11
- Policy button doesn't work
- Cannot view policies since updating
- Direct debit updates not real-time
Requested features
17 requests- Allow adding drivers on the app
- Allow making changes to policies on the app
- Show monthly/weekly/fortnightly/annual premium in summary
- Clearly show payment transaction statement in one place
- Allow adding new addresses manually
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- Sync app and website for new policies
- Provide policy wording
- Fix login timeout issues
- Allow viewing all pages of policy documents
- Improve app performance and stability
- Update the app more frequently
- Allow manual entry of addresses
- Improve customer service response times
- Make the app more interactive
- Allow viewing payment history
- Allow viewing personal details
- Improve direct debit updates to be real-time
Mercer NZ
Not enough reviews yet to summarise bugs or requests.
In-app purchases
State
No in-app purchases
Mercer NZ
No in-app purchases
