Looking for car insurance?
Get car insurance you can trust with Tower, your forward thinking insurer.
Compare our car insurance
Bought a new car or checking to see if you have the best cover? From third party to comprehensive, we've got cover to meet your needs and budget. If you’re unsure of what the best car insurance is for you, check out our car insurance buyers guide.
Use your car for business and looking for commercial car insurance? Find out more.
Save up to 20% with our multi-policy discount
Buy multiple car, house, contents, landlord or boat policies and save up to 20%. Ts&Cs apply.
Tower repair partners
Need to make a claim? Get access to our Tower Repair Partners. A trusted network of high-calibre insurance repair specialists, who will do their best to prioritise you and get you back on the road, fast. Find out more.
Two year replacement from new
With our Comprehensive policy, if you insure your car from new and it's written off within the first two years, we'll replace it with a new car of the same make, model and variant.
Lost or stolen keys? Replaced excess free
With our Comprehensive policy, we’ll replace keys or remotes if they’re lost, stolen or you think they’ve been illegally duplicated, excess free for your first claim.
We're thrilled to have won General Insurer of the Year 2022 at the NZ Insurance Business Awards.
Third party, fire and theft
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.
If you're wondering what all that insurance lingo is all about, let’s unpack it.
Get cover for your EV, PHEV or Hybrid
Environmentally friendly cars dramatically reduce emissions. If you’re looking to insure your electric vehicle, look no further than Tower. Our award-winning car insurance policies cover all sorts of eco-friendly cars, from EV’s to PHEV’s and Hybrids.
Info, ideas and inspiration
Tips on protecting the things that matter the most to you.
Car insurance FAQs
With our Comprehensive car cover customers can choose to insure their car for its market value or an agreed value. These decide how we settle a claim if the vehicle is written off or stolen.
- Market value is the amount your car is worth on the day it's damaged.
- Agreed value is an amount you and your insurer agree to cover your car for. This amount is locked in for a year when your policy renews.
Your windscreen and window glass is automatically covered under our Comprehensive and Third party fire & theft policies. If you ever need to make a claim for windscreen damage, just call us on 0800 379 372 and we'll get it sorted.
If you've got a cracked windscreen, Tower's chatbot Charlie can help you make a booking with Novus. Tell Charlie "Start a windscreen claim" Book now.
You can also add our windscreen excess buyout benefit when you take out the policy and you won't pay an excess if you claim, or lose your no-claims bonus.
If you're not completely happy with your cover, just let us know within 15 days of the policy start date.
As long as you haven't made any claims during this time, we'll cancel the policy and refund any premium payments you've made. If the policy was not quite right, we might be able to change it to better suit you.