Compare our third party car insurance

Tower's third party car insurance is the minimum level of cover available. It covers damage your car causes to other people's car or property.

  • claim secure

    Claims approved fast

    Over 87% of online car claims approved instantly.*

  • collision

    Not your fault?

    If your car is damaged by an uninsured driver, you could be covered for up to $4,000.**

  • roadside assistance

    Roadside assistance

    Flat tyre? Flat battery? We can help if you’ve added RoadWise® cover to your policy.

  • policies

    Policies made simple

    No one likes jargon. Our easy-to-understand policies are plain language certified. 

*Based on monthly average for online car insurance claims sent to a Tower trusted repair partner 1 April 2025 - 31 March 2026. 
**If you can identify the person at fault and the fault was more than 50% theirs.
Policy terms, excesses, limits and exclusions apply. Cover subject to current underwriting criteria.

Our third party car insurance policy includes

This is a summary only. For all of these benefits, please make sure you read the policy wording to understand the terms, conditions, limits and exclusions that may apply.

Third party

Damage by an uninsured vehicle 

Up to $4,000

We'll repair your vehicle if it's damaged by an uninsured vehicle under our comprehensive cover. For third party fire and theft and third party covers we'll repair your car if you can identify the person at fault and the fault was more than 50% theirs.
Damage by an uninsured vehicle
We'll repair your vehicle if it's damaged by an uninsured vehicle under our comprehensive cover. For third party fire and theft and third party covers we'll repair your car if you can identify the person at fault and the fault was more than 50% theirs.
Up to $4,000
Damaging someone else’s car or other property 
If you're in an accident and you cause damage to someone else's car or property, we'll cover you for your legal liability to repair it.
Damaging someone else’s car or other property
If you're in an accident and you cause damage to someone else's car or property, we'll cover you for your legal liability to repair it.
Claims that were not your fault 
You won’t pay an excess if you’ve been involved in an accident during the period of insurance, and 1. you’ve identified the party at fault (name, phone number, and registration number of that other party’s vehicle), and 2. we’re satisfied that the other party was more than 50% at fault.
Claims that were not your fault
You won’t pay an excess if you’ve been involved in an accident during the period of insurance, and 1. you’ve identified the party at fault (name, phone number, and registration number of that other party’s vehicle), and 2. we’re satisfied that the other party was more than 50% at fault.
Towing 
We’ll pay for removing your car to the nearest repairer or place of safety if it can’t be driven after a loss covered under this policy.
Towing
We’ll pay for removing your car to the nearest repairer or place of safety if it can’t be driven after a loss covered under this policy.
Fire damage and theft 
We’ll cover your car if it’s damaged by fire, stolen or someone attempted to steal it.
Fire damage and theft
We’ll cover your car if it’s damaged by fire, stolen or someone attempted to steal it.
Natural disasters 
We’ll pay for natural disaster damage to your car during theperiod of insurance.
Natural disasters
We’ll pay for natural disaster damage to your car during theperiod of insurance.
Repair guarantee 
If you use one of our Tower Repair Partners for your car claim, we’ll guarantee the repairs for as long as you own the car.
Repair guarantee
If you use one of our Tower Repair Partners for your car claim, we’ll guarantee the repairs for as long as you own the car.
Replacement and additional cars 
If you replace your car or buy a new one, we’ll automatically cover it for 14 days. If you paid more than $125,000 for the car, this benefit doesn’t apply, so please call us to arrange insurance before you purchase the replacement car.
Replacement and additional cars
If you replace your car or buy a new one, we’ll automatically cover it for 14 days. If you paid more than $125,000 for the car, this benefit doesn’t apply, so please call us to arrange insurance before you purchase the replacement car.
Child car seats 
Cover for child car seats if they’re damaged in a car accident, or while they’re stored at home.
Child car seats
Cover for child car seats if they’re damaged in a car accident, or while they’re stored at home.
Transport costs 
We’ll cover your travel and accommodation expenses to complete your journey or return home after an accident, or if your vehicle is stolen.
Transport costs
We’ll cover your travel and accommodation expenses to complete your journey or return home after an accident, or if your vehicle is stolen.
Lost or stolen keys 
We'll help replace keys and locks if yours are stolen, lost, or illegally copied, and you won't need to pay an excess.
Lost or stolen keys
We'll help replace keys and locks if yours are stolen, lost, or illegally copied, and you won't need to pay an excess.
Two year replacement from new 
We'll replace your car with a new car of the same make, model and variant, (for example a Toyota Corolla GX) subject to current availability if your car becomes a total loss.
Two year replacement from new
We'll replace your car with a new car of the same make, model and variant, (for example a Toyota Corolla GX) subject to current availability if your car becomes a total loss.
Pay only one excess 
Pay only one excess when claiming on multiple eligible policies for a single event. The highest excess applies.
Pay only one excess
Pay only one excess when claiming on multiple eligible policies for a single event. The highest excess applies.
OPTIONAL BENEFITS 
OPTIONAL BENEFITS
RoadWise® roadside assistance 
Our 24/7 roadside assistance service covers the car, not the person, so anyone driving the car can use it across NZ. It includes three free call-outs per year. Learn more
RoadWise® roadside assistance
Our 24/7 roadside assistance service covers the car, not the person, so anyone driving the car can use it across NZ. It includes three free call-outs per year. Learn more
Windscreen excess buyout 
Windscreen and window glass are automatically covered, but if you choose this benefit, you won’t have to pay any excess for any windscreen claims.
Windscreen excess buyout
Windscreen and window glass are automatically covered, but if you choose this benefit, you won’t have to pay any excess for any windscreen claims.
Rental car 
If your car is stolen or undriveable after an accident, we’ll cover the cost of hiring and insuring a similar car.
Rental car
If your car is stolen or undriveable after an accident, we’ll cover the cost of hiring and insuring a similar car.
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Need roadside assistance?

If you're a RoadWise® member, call 0800 24 24 02 to speak to a skilled operator and simply quote your vehicle registration number.

RoadWise roadside assistance 

Manage your insurance with My Tower

You can update, claim and keep track of your insurance 24/7 through My Tower. Log in or register today. 

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Tower Translates

We know insurance lingo can be a bit confusing. While our policies are WriteMark™ approved, we've put our heads together to explain some common terms.

Check out our translations

Third party car insurance FAQs

What does third party insurance cover?

Third party car insurance covers damage you cause to other people's cars and property, but not your own. If your car's damaged by an uninsured vehicle, we'll repair your car up to $4,000 if you can identify the person at fault and the fault was more than 50% theirs. 

Third party can be a good option if your car's older or not worth much but make sure it gives you the over you need.

Do I need both comprehensive and third party insurance?

No, you only choose one type of cover for your car. Comprehensive is our highest level of insurance, with a range of benefits like cover for damage by natural disasters, fire, and theft. It offers peace of mind knowing that, if something happens, you're covered.* On the other hand, third party is the minimum level of cover you can get, with limited benefits.

Does third party cover drivers on a learners or restricted licence?

Yes, our third party insurance covers drivers on any New Zealand licence, including learners and restricted, as long as they drive within their licence conditions. Just make sure the driver is named on the certificate of insurance. 

Is third party insurance mandatory in New Zealand?

No, third party car insurance isn't mandatory in New Zealand. However, there are risks to driving your car without insurance. You'll need to weigh up the risks and potential costs associated with being in an accident. 

*Policy terms, excesses, limits and exclusions apply. Cover subject to current underwriting criteria. 

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