This is a summary only. See if this is right for you by downloading our policy which includes all our benefits, terms and conditions.
If one event causes you to claim across your Tower car, home and contents policies, you'll only need to pay one excess. It's the highest excess that applies.
Up to $500 to get you home, or to where you were going, including accommodation, if your car's stolen or in an accident.
If you replace your vehicle or buy a new one, we'll automatically cover the new or replacement vehicle for 14 days.
You won't lose your no claims bonus when you make a claim, provided you've held full cover insurance with us for the last two years with no claims where your no claims bonus would have been lost if you didn't have this benefit.
Choose your own repairer (other than windscreen, window glass or sunroof repairs).
We will insure your vehicle at a value agreed between you and us. In the event of a claim, if your vehicle is a total loss, we will pay the insured value or market value whichever is less.
With this selected benefit you have access to RoadWise, our 24-hour breakdown assistance programme.
Select this benefit and receive a discount off your premium. It means your vehicle is not covered if it is driven by anyone under 25 years of age.
If you accidentally damage your windscreen, window glass or sunroof, we will repair or replace it and you won't be charged an excess or lose your no claims bonus.
If you are not completely happy with your policy, please tell us within 15 days of its commencement date. We may agree to change the policy to suit you. If not, and you wish to cancel the policy, you can as long as you have not made any claims. We will then refund any premium you have paid and we will both regard this policy as never commencing.
A smart way to start your car insurance claim.
Download our SmartDriver app, show us you're a safe driver and save up to 20%.
Broad insurance for your vehicle which automatically includes cover for damage as a result of fire, theft and collision. It also includes a new vehicle replacement if your brand new car is a total loss within two years of its original registration.
An economical option that covers you for third party liability as well as cover if your vehicle is damaged by fire, theft or illegal conversion. Great if you're on a budget or have a low-value car.
Our most basic car insurance product that covers your liability for any damage you cause to other people's property, plus up to $4,000 to repair your car if it's damaged by an uninsured, at fault third party.