Car insurance

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

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.

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.

We’ll cover your car if it’s damaged by fire.

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

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.

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

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

We’ll cover your travel and accommodation expenses to complete your journey or return home after an accident, or if your vehicle is stolen.

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

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

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.

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

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.