Save $50 on car, house or contents cover when you buy online*

GoCarma by Tower

With GoCarma, the better you drive, the lower your excess. 

Download the app on the App Store or Google Play.

Find out more

Find the right cover for you

Car insurance
Car insurance 

From comprehensive to third party, get the cover that’s right for you.

See car insurance
Contents insurance
Contents insurance 

Cover the important things with our range of contents policies.

See contents insurance
House insurance
House insurance 

Choose from three levels of cover to protect your property.

See house insurance
Landlord insurance
Landlord insurance 

Landlord's plus is stress-free cover protecting you from the risks of renting your New Zealand property.

See landlord insurance
Business insurance
Car insurance 

Protect your business with liability, asset, vehicle, or interruption insurance.

See business insurance
All insurance
All insurance 

From boat and motorbike, to caravan and farm insurance, we've got you covered.

See all insurance

Save time and money with Tower

Switch to My Tower

Multi-policy discount

You can save up to 20%** when you buy multiple Tower car, house, contents and landlord policies online at once using our bundle builder. Ts&Cs apply.

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Earn Airpoints Dollars™

Take out any eligible Tower policy and you’ll receive 1 Airpoints Dollar™ for every $100 you spend on your premium. Ts&Cs apply.

Sign up for My Tower

Introducing My Tower

Register for My Tower, our easy-to-use online self service portal that's open 24/7, so you can update and keep track of your insurance cover online.


Why Tower?

Learn more

  • We care about our customers

    We've been looking out for Kiwis for over 150 years.

  • We're innovative

    We're always looking for smart ways to look out for you and the things you value.

  • We've got simple, flexible options to suit your needs

    It's easy to manage your insurance online 24/7 with My Tower.

  • We're Kiwi owned

    From Kaitaia to Bluff, along with a few smart folk from overseas.

  • We keep things simple

    Our award-winning policies are written in plain English.

  • We reward loyalty

    At up to 20%, our multi-policy discount** is one of the best around.

What our customers say

Insurance you can trust

Tower's Financial Strength Rating logo

Buy with confidence

Our financial strength rating is A- (Excellent), so you can rest assured knowing you’re in safe hands.

ICNZ - Insurance Council of New Zealand logo

Fair Insurance Code

Tower Insurance is a member of the Insurance Council of New Zealand (ICNZ). We abide by the ICNZ Fair Insurance Code.