Comprehensive car insurance
Get back on the road with a new car of the same make, model and variant if your brand new car is insured with our comprehensive cover from new and written off within two years.*
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.
If you’re unsure of what the best car insurance is for you, check out our car insurance buyers guide.
Save up to 20% with our multi-policy discount
Buy multiple car, house, contents, landlord or boat policies and save up to 20%. Ts&Cs apply.
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.
We're thrilled to have won General Insurer of the Year 2022 at the NZ Insurance Business Awards.
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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.
Our private car policies cover you for driving to work but won't cover using your car for work. Our Commercial Vehicle insurance may be right for you if you're:
- an on-road salesperson
- a tradesperson.
Your windscreen and window glass are automatically covered under our Comprehensive policy and Third Party, Fire & Theft policy. 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 to "Start a windscreen claim" to 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.
Our policies don't cover your car if it stops working due to a mechanical failure. However, you can add our 24-hour roadside assistance service, RoadWise®, to your policy, so if a breakdown happens help is just a phone call away.
We do, as long as they are driving inside the conditions of their licence.
No, neither our commercial or private policies cover rideshare and carshare 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 is 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.