Save $50 on car insurance
Switch your car insurance today and save $50 online, plus be in to win a year's premium.* Hurry offer ends 28 May.
Why choose Tower car insurance
Bought a new car or checking to see if you have the best cover? From third party to comprehensive, we've got cover to meet your needs and budget. If you’re unsure of what the best car insurance is for you, check out our car insurance buyers guide.
We're thrilled to have won General Insurer of the Year 2022 at the IBNZ Awards and be Canstar's 2021 Car Insurer of the Year and Outstanding Value Car Insurance.
Remote vehicle assessments
Need to make a claim? Selected priority repairers can assess your car remotely using your mobile phone, from anywhere.
Two year replacement from new
Insure your new car with Tower and if it's written off, we'll replace it with a new car of the same make, model and variant inside the first two years.
Lost or stolen keys? Replaced excess free
We’ll replace keys or remotes if they’re lost, stolen or you think they’ve been illegally duplicated, excess free for your first claim.
Third party, fire and theft
Get cover for your EV, PHEV or Hybrid
Environment-friendly cars dramatically reduce carbon dioxide emissions. If you're looking to insure your electric vehicle, look no further than Tower. Our car insurance policies cover all sorts of eco-friendly cars, from EVs to PHEVs and Hybrids.
Car insurance FAQs
With 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.
Your windscreen and window glass is 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.
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.