TOWER Insurance home
Pay Claim Manage My Tower About Contact
Register
Home   >   Car

Car insurance - save $50 when you purchase a policy*

Air New Zealand Airpoints Logo Earn Airpoints Dollars™**


Get a quote
Multi-policy discount
Multi-policy discount 

Save up to 20% when you take out two or more Tower policies.
More on multi policy
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.
Start earning Airpoints

Compare car cover

This is a summary only. You can read the full list of benefits, terms and conditions in our policy wordings.
Most popular option highlighted
WriteMark Plain Language Standard

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

Comprehensive
Third party, fire and theft
Third party
Legal liability

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

Comprehensive
Third party, fire and theft
Third party
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
Third party, fire and theft
Up to $4,000
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.

Comprehensive
Third party, fire and theft
Third party
Fire damage and theft

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

Comprehensive
Third party, fire and theft
Third party
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.

Comprehensive
Third party, fire and theft
Third party
Repair guarantee

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

Comprehensive
Third party, fire and theft
Third party
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
Third party, fire and theft
Up to $750
Third party
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
Third party, fire and theft
Up to $500
Third party
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
Third party, fire and theft
Up to $250
Third party
Replacement car

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

Comprehensive
Third party, fire and theft
Third party
Collision cover

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

Comprehensive
Third party, fire and theft
Third party
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.

Comprehensive
Up to $1,000
Third party, fire and theft
Third party
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
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
Third party, fire and theft
Optional
Third party
Get a car quote and save $50

Looking for commercial vehicle or motorbike cover?

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

A single person handled my claim from start to finish. I felt I could trust her and she understood my situation.

Claimed for damage while driving

June 2020

I couldn’t fault the service that you provided for me. Everyone I spoke to was very helpful.

Claimed for damage from accident

July 2020

Exceptional speed at which the claim was handled and settled. Quick communication, understanding nature and genuine empathy.

Claimed for collision

July 2020

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.

Business hours are out.
Any time is in.

Manage your insurance 24/7 with My Tower.

Car insurance FAQs

Expand all Collapse all

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.

Learn more about market vs. agreed value

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

Windscreen and window glass are 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.

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

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.

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.

It's easy to make a claim 24/7 in My Tower. Sign up or log in and select the policy you want to claim on. We'll pre-fill the claim form with your policy details so you can get it done quicker.

If you're unable to use My Tower you can also 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

Discover

car be serviced
Servicing your car

How often should your car be serviced, and what do you need to look for? 

See more
Young driver in his car
Market vs agreed value

You also need to choose whether you want to insure your car for the agreed or market value. Find out which is right for you.

See more
what to do in a car accident
What to do in a car accident

In the shock of the moment, you may not know what to do. Here are some tips.

See more

See all car

* Online discount Ts&Cs
** Airpoints Ts&Cs