Compare our comprehensive car insurance

Tower's comprehensive car insurance is the highest level of cover for your car and covers the damage you may do to others. If you have an accident and you want your car repaired, comprehensive is the only policy that covers this. Additionally, it covers damage done to your car by uninsured vehicles.

  • replacement

    New car, written off?

    Insure it with us from new and we'll replace it with a new one in the first 2 years.*

  • claim secure

    Claims approved fast

    Over 87% of online car claims approved instantly.**

  • keys

    Missing keys cover

    Get up to $1,000 for lost or stolen keys. Pay no excess if you only claim on keys.

  • repair

    Trusted repairs

    Get your car fixed up with our trusted network of Tower Repair Partners.

*Subject to availability. Total loss must have occurred within 2 years of new car purchase.
**Based on monthly average for online car insurance claims sent to a Tower trusted repair partner 1 April 2025 - 31 March 2026.
Policy terms, excesses, limits and exclusions apply. Cover subject to current underwriting criteria.

Our comprehensive car insurance policy includes

This is a summary only. For all of these benefits, please make sure you read the policy wording to understand the terms, conditions, limits and exclusions that may apply.

Comprehensive

Damage by an uninsured vehicle 
We'll repair your vehicle if it's damaged by an uninsured vehicle under our comprehensive cover. For third party fire and theft and third party covers we'll repair your car if you can identify the person at fault and the fault was more than 50% theirs.
Damage by an uninsured vehicle
We'll repair your vehicle if it's damaged by an uninsured vehicle under our comprehensive cover. For third party fire and theft and third party covers we'll repair your car if you can identify the person at fault and the fault was more than 50% theirs.
Damaging someone else’s car or other property 
If you're in an accident and you cause damage to someone else's car or property, we'll cover you for your legal liability to repair it.
Damaging someone else’s car or other property
If you're in an accident and you cause damage to someone else's car or property, we'll cover you for your legal liability to repair it.
Claims that were not your fault 
You won’t pay an excess if you’ve been involved in an accident during the period of insurance, and 1. you’ve identified the party at fault (name, phone number, and registration number of that other party’s vehicle), and 2. we’re satisfied that the other party was more than 50% at fault.
Claims that were not your fault
You won’t pay an excess if you’ve been involved in an accident during the period of insurance, and 1. you’ve identified the party at fault (name, phone number, and registration number of that other party’s vehicle), and 2. we’re satisfied that the other party was more than 50% at fault.
Towing 
We’ll pay for removing your car to the nearest repairer or place of safety if it can’t be driven after a loss covered under this policy.
Towing
We’ll pay for removing your car to the nearest repairer or place of safety if it can’t be driven after a loss covered under this policy.
Fire damage and theft 
We’ll cover your car if it’s damaged by fire, stolen or someone attempted to steal it.
Fire damage and theft
We’ll cover your car if it’s damaged by fire, stolen or someone attempted to steal it.
Natural disasters 
We’ll pay for natural disaster damage to your car during theperiod of insurance.
Natural disasters
We’ll pay for natural disaster damage to your car during theperiod of insurance.
Repair guarantee 
If you use one of our Tower Repair Partners for your car claim, we’ll guarantee the repairs for as long as you own the car.
Repair guarantee
If you use one of our Tower Repair Partners for your car claim, we’ll guarantee the repairs for as long as you own the car.
Replacement and additional cars 
If you replace your car or buy a new one, we’ll automatically cover it for 14 days. If you paid more than $125,000 for the car, this benefit doesn’t apply, so please call us to arrange insurance before you purchase the replacement car.
Replacement and additional cars
If you replace your car or buy a new one, we’ll automatically cover it for 14 days. If you paid more than $125,000 for the car, this benefit doesn’t apply, so please call us to arrange insurance before you purchase the replacement car.
Child car seats 

Up to $750

Cover for child car seats if they’re damaged in a car accident, or while they’re stored at home.
Child car seats
Cover for child car seats if they’re damaged in a car accident, or while they’re stored at home.
Up to $750
Transport costs 

Up to $500

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

Up to $1,000, excess free

We'll help replace keys and locks if yours are stolen, lost, or illegally copied, and you won't need to pay an excess.
Lost or stolen keys
We'll help replace keys and locks if yours are stolen, lost, or illegally copied, and you won't need to pay an excess.
Up to $1,000, excess free
Two year replacement from new 
We'll replace your car with a new car of the same make, model and variant, (for example a Toyota Corolla GX) subject to current availability if your car becomes a total loss.
Two year replacement from new
We'll replace your car with a new car of the same make, model and variant, (for example a Toyota Corolla GX) subject to current availability if your car becomes a total loss.
Pay only one excess 
Pay only one excess when claiming on multiple eligible policies for a single event. The highest excess applies.
Pay only one excess
Pay only one excess when claiming on multiple eligible policies for a single event. The highest excess applies.
OPTIONAL BENEFITS 
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
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
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.
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.
Rental car 

Up to $1,000

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

If you're a RoadWise® member, call 0800 24 24 02 to speak to a skilled operator and simply quote your vehicle registration number.

RoadWise roadside assistance 

Manage your insurance with My Tower

You can update, claim and keep track of your insurance 24/7 through My Tower. Log in or register today. 

Log in to My TowerRegister for My Tower

Tower Translates

We know insurance lingo can be a bit confusing. While our policies are WriteMark™ approved, we've put our heads together to explain some common terms.

Check out our translations

Comprehensive car insurance FAQs

What does comprehensive car insurance cover?

Comprehensive car insurance is our complete package. It covers you for a wide range of events, like damage to your car, whether it's your fault, someone else's, or caused by things like fire or a natural disaster. You're also covered for your legal liability if you damage another person's car or property.* Get the full breakdown on comprehensive car insurance. 

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

With our comprehensive car insurance, you can insure your car for its market value or an agreed value. These determine how we settle a claim if the vehicle is written off and confirmed a total loss or it's stolen.

  • Market value is the amount your car is worth on the day it's damaged or stolen.
  • Agreed value is the fixed amount you and your insurer agree to cover your car for. This amount is locked in for a year, giving you certainty about your cover level.
What's the difference between third party and comprehensive insurance?

Comprehensive is our highest level of insurance, with a range of benefits like cover for damage caused by natural disasters, fire, and theft. It offers peace of mind knowing that, if something happens, you're covered.* On the other hand, third party is the minimum level of cover you can get, covering damage your car causes to other people's car or property.

Does comprehensive car insurance cover windscreen damage?

Yes, your windscreen and window glass are covered under both our comprehensive and third party, fire and theft policies. You can make a claim for windscreen damage by contacting our repair partner Novus, directly. 

Contact Novus

You can also add our windscreen excess buyout benefit when you take out a comprehensive or third party, fire and theft policy, and you won't pay an excess if you claim.

Does comprehensive insurance cover my car for business use?

Our private car policies cover you for driving to and from work, but don't cover using your car for work or business. Our commercial vehicle insurance may be a better fit for you, especially if you're an on-road salesperson or tradesperson. Our comprehensive commercial vehicle policy covers goods in transit up to $5,000 and signwriting on your vehicle up to $1,000, and other benefits suited for vehicles used for business.*

*Policy terms, excesses, limits and exclusions apply. Cover subject to current underwriting criteria.

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