Compare our commercial vehicle insurance

Use your vehicle for business and looking for commercial vehicle insurance? From third party to comprehensive, we've got cover to meet your needs and budget.

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    Roadside assistance

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

Tower's commercial vehicle insurance policies

Choose from one of our policies:

Comprehensive cover: Cover for accidental loss or damage to your vehicle, plus we'll pay for accidental damage you cause to someone else's vehicle or property.

Third party cover: We'll pay for accidental damage you cause to someone else's vehicle or property.

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

Comprehensive

Third party

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Damaging someone else's vehicle or other property 
If you're in an accident and you cause damage to someone else's vehicle or property, we'll cover you for your legal liability to repair it.
Damaging someone else's vehicle or other property
If you're in an accident and you cause damage to someone else's vehicle or property, we'll cover you for your legal liability to repair it.
Damaging someone else's vehicle or other property
If you're in an accident and you cause damage to someone else's vehicle or property, we'll cover you for your legal liability to repair it.
Fire damage and theft 
We'll cover your vehicle if it's damaged by fire, stolen or someone attempted to steal it.
Fire damage and theft
We'll cover your vehicle if it's damaged by fire, stolen or someone attempted to steal it.
Fire damage and theft
We'll cover your vehicle if it's damaged by fire, stolen or someone attempted to steal it.
Collision cover 
We'll pay to repair or replace your vehicle if it's damaged in a collision.
Collision cover
We'll pay to repair or replace your vehicle if it's damaged in a collision.
Up to market value
Collision cover
We'll pay to repair or replace your vehicle if it's damaged in a collision.
Damage by an uninsured vehicle 
We'll repair your vehicle if it's damaged by an uninsured vehicle under comprehensive cover. For third party cover we'll repair your vehicle 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 comprehensive cover. For third party cover we'll repair your vehicle if you can identify the person at fault and the fault was more than 50% theirs.
Up to market value
Damage by an uninsured vehicle
We'll repair your vehicle if it's damaged by an uninsured vehicle under comprehensive cover. For third party cover we'll repair your vehicle if you can identify the person at fault and the fault was more than 50% theirs.
Lesser of market value or up to $4,000
Two year replacement from new 
We'll replace your vehicle with a new vehicle of the same make, model and variant (for example a Toyota Corolla GX), subject to current local availability if your vehicle becomes a total loss.
Two year replacement from new
We'll replace your vehicle with a new vehicle of the same make, model and variant (for example a Toyota Corolla GX), subject to current local availability if your vehicle becomes a total loss.
Two year replacement from new
We'll replace your vehicle with a new vehicle of the same make, model and variant (for example a Toyota Corolla GX), subject to current local availability if your vehicle becomes a total loss.
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.
Up to $1,000, excess free
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.
Goods in transit 
We'll pay for loss to your business assets being in and/or on your vehicle if the loss was caused by fire, collision, overturning or impact.
Goods in transit
We'll pay for loss to your business assets being in and/or on your vehicle if the loss was caused by fire, collision, overturning or impact.
Up to $5,000
Goods in transit
We'll pay for loss to your business assets being in and/or on your vehicle if the loss was caused by fire, collision, overturning or impact.
Employees' vehicles 
We'll pay your employee for loss to their insured vehicle, if it's damaged or stolen when being used for your business. 
Employees' vehicles
We'll pay your employee for loss to their insured vehicle, if it's damaged or stolen when being used for your business. 
Up to $50,000
Employees' vehicles
We'll pay your employee for loss to their insured vehicle, if it's damaged or stolen when being used for your business. 
Signwriting 
We'll pay for loss or damage to signwriting on your vehicle.
Signwriting
We'll pay for loss or damage to signwriting on your vehicle.
Up to $1,000
Signwriting
We'll pay for loss or damage to signwriting on your vehicle.
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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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Commercial vehicle insurance FAQs

Is my commercial vehicle covered if it breaks down?

Our policies don't cover your commercial vehicle if it stops working due to a mechanical failure. However, you can add our 24-hour roadside assistance service, RoadWise®, to your policy, so if a breakdown happens help is just a phone call away.

Learn more about RoadWise® roadside assistance

Do you cover drivers on learners and restricted licences?

We do, as long as they are driving within the conditions of their licence.

Am I insured to be an Uber driver?

No. Neither our commercial policies nor private policies cover rideshare and carshare services like Uber and Yourdrive.

How do I make a Commercial vehicle insurance claim?

We aim to make claiming on your Commercial vehicle insurance as simple as possible. We'll guide you through the process, let you know what happens next, and keep you up to date with any progress. 

Learn more about car and motor vehicle claims

Can I cancel my insurance/coverage if I change my mind?

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 is not quite right, we might be able to change it to better suit you.

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