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. 

Save up to 20% with our multi-policy discount

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.

Trusted repairers

Trusted repairs

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

Get Roadwise cover

Roadside assistance

Flat tyre? Flat battery? We can help if you've added RoadWise® cover to your policy.

Missing keys cover

Missing keys cover

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

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 car if it's damaged by an uninsured vehicle for comprehensive covers. 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 car if it's damaged by an uninsured vehicle for comprehensive covers. 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 

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Car insurance FAQs

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

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.

Learn more about market vs. agreed value

Am I covered for business use?

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.

Learn more about Commercial Vehicle insurance

What if my windscreen is damaged?

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.

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.

Is my car covered if it breaks down?

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.

Learn more about RoadWise® roadside assistance

Do you cover drivers on a learners licence or restricted licence?

We do, as long as they are driving inside the conditions of their licence.

Am I insured to be an Uber driver?

No, neither our commercial or private policies cover rideshare and carshare services like Uber, Ola, Zoomy, and Yourdrive.

Can I cancel if I change my mind?

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.

How do I make a car insurance claim?

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.

Learn more about car and motor vehicle claims

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