Comprehensive car insurance

The broadest Tower cover for you and your car. Plus, use a Tower approved repairer and we’ll guarantee the repairs for life.
Earn Airpoints Dollars™ with this policy
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Key benefits

  • Lost or stolen keys
    Up to $1,000 cover, with no excess to pay, towards replacement keys or remotes if yours are stolen, lost or if you think they’ve been illegally duplicated.
  • 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.
  • Replacement vehicle
    If you replace your vehicle or buy a new one, we'll automatically cover the new or replacement vehicle for 14 days.
  • Rental car

    Up to $1,000 for the cost of hiring and insuring a similar vehicle if yours is stolen or becomes undriveable after an accident and the claim is accepted.

  • Repair guarantee

    If you're involved in an accident and use our approved repairer network, we'll provide a lifetime guarantee on the repairs.

  • Help after an event

    If you're in an accident, we'll help with costs to get you and your passengers home safely, remove debris from the road, and tow and store your car if it's unable to be driven.

This is a summary only. See the policy for the full list of benefits, terms and conditions.

Download policy (PDF, 547KB)
Other car policies:
Third party fire & theft 
Third party

Optional benefits

  • RoadWise® roadside assistance
  • Get our 24/7 roadside assistance for just $3.75 a month. RoadWise offers nationwide service and three free call outs a year.

    Learn more about RoadWise

  • Windscreen and window glass excess buyout
  • Your windscreen and window glass claims will be excess free and you'll keep your no-claims bonus.

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

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.

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