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
Buy multiple car, house, contents, landlord or boat policies and save up to 20%. Ts&Cs apply.
Remote vehicle assessments
Need to make a claim? Selected priority repairers can assess your car remotely using your mobile phone, from anywhere. Find out more.
Get RoadWise cover
Buy a car policy and add RoadWise as an optional benefit, login to My Tower and add RoadWise to your policy under optional benefits or call 0800 379 372.
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.
Our comprehensive car insurance policy includes
We are changing our policies. For policies starting on or before 28 October 2024, please view the "Current policies" tab. For policies starting on or after 29 October 2024, please view the "29 Oct 2024 or later" tab.
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
Up to $750
Up to $500
Up to $1,000, excess free
Up to $1,000
Comprehensive
Up to $750
Up to $500
Up to $1,000, excess free
Up to $1,000
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.
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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.Â
- 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.
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