Car insurance

Great value car insurance with optional roadside assistance and windscreen excess buyout. Get a car insurance quote today.

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

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.

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

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.

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.

Up to $1,000
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.

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

Most popular

Third party, fire & theft

Third party

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.

Most popular

Third party, fire & theft

Third party

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, on-road sales person or mobile beauty therapist, our commercial vehicle insurance could be right for you.

    Commercial vehicle insurance

Win with Tower and Airpoints™

Get a car insurance quote by 31 March for your chance to one of six prizes of 5,000 Airpoints Dollars!

Ts&Cs apply. Learn more

What our customers say

Quote checklist

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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Ts&Cs apply. Discount excludes RoadWise, NZ government levies and taxes.