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Windscreen & window glass | | | | | | |
Cover for accidental breakage of your vehicles windscreen, window glass or sunroof, free of excess and you won't loose your no claim bonus |
Under 25 year old driver exclusion | | | | | | |
You can save money by choosing to not have any driver under the age of 25 years driving your vehicle. |
No claims & no blame bonus | | | | | | |
If you have not had any claims with us or with your previous insurer for the last year you will receive a no claims bonus with us. Also you will not lose your no claims bonus if you have an accident and you have gathered the name, address, phone number, make, model and registration number of the party at fault and it is proven they are more than 50% at fault. |
No claims bonus protection | | | | | | |
You will not lose your No claims bonus if you make a claim, provided you have held full cover insurance with us for the last 2 years with no claims. |
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If you have held full cover insurance for the past 3 years with no claims we will give you a full no claims bonus for life. |
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You can use your own repairer (other than glass repair) if you are in an accident when the claim has been accepted by us. |
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You get a lifetime guarantee on repairs to your vehicle if you use one of our recommended panel beaters for damage resulting from a claim which is accepted. |
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If you suffer a loss at the same time under more than one policy through TOWER you will only have to pay one excess. |
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You can choose to have no excess if there are no drivers under the age of 25 years. |
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For cars first registered after 1984, the amount that we have agreed to pay in the event of a claim that we have accepted. |
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We pay up to $500 free of excess to replace vehicle keys, remotes, entry cards or codes that are stolen or illegally duplicated. |
New vehicle | | | | | | |
We will replace your vehicle with a brand new one of the same make and model if yours becomes a total loss within the first year of its registration from new. |
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We pay up to $500 to get you home if you have an accident or if your vehicle is stolen and the claim is accepted. We will also pay reasonable costs to return your vehicle home after it has been repaired or recovered. |
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If your claim for a stolen or total loss vehicle has been accepted, we will pay for you to hire you a vehicle up to $500 or 7 days (whichever is less). |
Damage by an uninsured vehicle | | | | | | |
Cover for your vehicle up to $3,000 if it is damaged by a vehicle that isn’t insured and you have the name, address, phone number, make, model and registration number of the party at fault and it is proven they are more than 50% at fault. |
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A sum insured that we have agreed to at the time of insuring. We will pay the insured value or the market value; whichever is less. |
Replacement vehicle | | | | | | |
If you trade in or replace your vehicle we will cover the new vehicle for 30 days. |
Road clearing costs | | | | | | |
We will pay up to $1,000 to remove debris from a road or parking area for which you are legally liable after an accident for which a claim is accepted. |
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RoadWise is your 24-hour motor vehicle breakdown service. It applies to the insured vehicle, not the driver, so it doesn’t matter who is using it at the time. |
Salvage, towing & storage costs | | | | | | |
If you can’t drive your vehicle due to an accident for which a claim is accepted, we will pay reasonable costs to remove it to the nearest repairer or place of safety. We will also pay to store your vehicle if needed. |
Security alarm/immobiliser | | | | | | |
If your vehicle is stolen or someone has attempted to steal it and it was fitted with an alarm or electronic engine immobiliser which was activated at the time, you won’t have to pay an excess and you will not lose your No claims bonus. |
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