Enjoy a month's premium on us*
When you buy a car, boat or contents policy using promo code 1MONTH.
Save up to 20% with our multi-policy discount.**
The only insurer where you can get award-winning car insurance as well as Coastguard's preferred boat insurance - all in one place.
One event, one excess
If one incident means you need to claim on multiple Tower policies, you’ll only pay one excess. The highest excess applies.
GoCarma by Tower
With GoCarma, the better you drive, the lower your excess.
Download the app on the App Store or Google Play.
Find the right cover for you
Car insurance
From comprehensive to third party, get the cover that’s right for you.
Contents insurance
Cover the important things with our range of contents policies.
Landlord insurance
Landlord's plus is stress-free cover protecting you from the risks of renting your New Zealand property.
Business insurance
Protect your business with liability, asset, vehicle, or interruption insurance.
Other insurance
From motorbike and motorhome, caravan and farm insurance, we've got you covered.
Why Tower?
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We care about our customers
We've been looking out for Kiwis for over 150 years.
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We're innovative
We're always looking for smart ways to look out for you and the things you value.
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We've got simple, flexible options to suit your needs
It's easy to manage your insurance online 24/7 with My Tower.
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We're Kiwi owned
From Kaitaia to Bluff, along with a few smart folk from overseas.
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We keep things simple
Our car, house, and contents policies meet the WriteMark Plain Language Standard.
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We reward loyalty
At up to 20%, our multi-policy discount** is one of the best around.
What our customers say
Competitive price and easy online form.
Most affordable insurance policy, helpful and prompt customer service.
Easy online form and great to have assistance when I needed it.
Insurance you can trust
Buy with confidence
Our financial strength rating is A- (Excellent), so you can rest assured knowing you’re in safe hands.
Fair Insurance Code
Tower Insurance is a member of the Insurance Council of New Zealand (ICNZ). We abide by the ICNZ Fair Insurance Code