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This is a summary only. You can read the full list of benefits, terms and conditions in our policy wordings.

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This policy has been awarded the WriteMark Plain Language Standard. Find out more


Legal liability

If you accidentally damage someone else’s car or property, we’ll cover you for your legal liability.


Damage by an uninsured vehicle

We’ll repair your car if it’s damaged by an uninsured vehicle, as long as you can identify the person at fault and the fault was at least 50% theirs.


Comprehensive
Most popular

Third party
Up to $4,000

No-claims bonus

If you haven’t had a claim with us (or another insurer) during the last year of your insurance, you’ll receive a discount on your premium.


Fire damage and theft

We’ll cover your car if it’s damaged by fire, stolen or someone attempted to steal it.


One event – one excess

If one event means you need to claim on multiple Tower car, home and contents policies, you’ll only need to pay one excess. It’s the highest excess that will apply.


Repair guarantee

If you use one of our recommended repairers for your car claim, we’ll guarantee the repairs for life.


Rental car

If your car is stolen or undriveable after an accident, we’ll cover the cost of hiring and insuring a similar car.


Comprehensive
Up to $1,000
Most popular

Child car seats

Cover for child car seats if they’re damaged in a car accident, or while they’re stored at home.


Comprehensive
Up to $750
Most popular

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.


Comprehensive
Up to $500
Most popular

Replacement car

If you replace your car or buy a new one, we’ll automatically cover it for 14 days.


Collision cover

We’ll cover your car for accidental loss or damage.


Lost or stolen keys

We’ll replace your keys or remotes if they’re lost, stolen or you think they’ve been illegally duplicated, and you won’t have to pay any excess for the first claim.


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


Comprehensive
Optional
Most popular

Third party, fire and theft
Optional

Third party
Optional

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.


Comprehensive
Optional
Most popular

Third party, fire and theft
Optional

Third party

ICNZ - Insurance Council of New Zealand logo Tower Insurance is a member of the Insurance Council of New Zealand (ICNZ) and we abide by the ICNZ Fair Insurance Code.

Learn more about the Fair Insurance Code

Why Tower car insurance?

Multi-policy discount
Multi-policy discount 

Save up to 20% when you take out two or more Tower policies.
Windscreen excess buyout
Windscreen excess buyout 

Choose our optional windscreen excess buyout benefit and you won’t pay an excess for window glass claims.
Airpoints Dollars™
Airpoints logo 

Earn Airpoints Dollars on eligible policies.
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RoadWise® roadside assistance

If your car breaks down, our 24-hour RoadWise service will come to your rescue anywhere across New Zealand. RoadWise covers your car, so it doesn't matter who is driving when the breakdown happens. Add it to your policy today.

Learn more about RoadWise

What it doesn't cover

  • Mechanical failure
  • Such as breakage or breakdown of any part of the car.
    You can add our 24-hour roadside assistance service, RoadWise, to your policy so if a break down happens help is just a phone call away.

    RoadWise roadside assistance


  • Using your car outside the terms of your licence

    This is important for drivers with restricted and learner licences to bear in mind.

  • Using your vehicle for business purposes
  • But if you’re a tradie or on-road sales person our commercial vehicle insurance could be right for you. Just a note, we can’t cover ride sharing, couriers or taxis.

    Commercial vehicle insurance

What our customers say

Quote checklist

Here are some things you'll need to know to complete your quote:

  • Registration number or the make, year and type of your vehicle.
  • Accessories and modifications that that were added after manufacturing, such as roof racks, upholstery changes and alarms.
  • Details of regular drivers, as well as their driving and claims histories.

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Car insurance FAQs

How do I make a claim?

We aim to make claiming on your car 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.

You can make a claim online anytime, or we're available on 0800 379 372 if you'd prefer to speak to someone.

Car and motor vehicle claims

Can I cancel 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 was not quite right, we might be able to change it to better suit you.

Am I covered for business use?

Our private car policies cover you for driving to work, but won't cover using your car for work.

Our Commercial vehicle insurance might be right for you if you're:

  • an on-road salesperson
  • a tradesperson.

Commercial vehicle insurance

What if my windscreen is damaged?

Windscreen and window glass are automatically covered under our Comprehensive and Third party fire and 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.

Plus, 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.

What's the difference between market value and agreed value?

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 and is the most popular choice with our customers. This amount is locked in for a year when your policy renews.

Learn more about market vs. agreed value

Am I insured to be an Uber driver?

No, neither our commercial or private policies cover ride-share and car-share services like Uber, Zoomy and Yourdrive.