Third party fire & theft car  insurance

Cover for fire or theft of your vehicle, as well as cover for damage your car causes to other people's property. Also includes $4,000 cover for your car if it's damaged by an uninsured driver you can identify.

Earn Airpoints Dollars™ with this policy
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Save 10% when you buy online*

Key benefits

  • Damage by an uninsured vehicle

    We’ll repair your car if it’s damaged by an uninsured vehicle, as long as you can identify the person at fault and the fault was at least 50% theirs.

  • Legal liability

    Cover for legal liability as a result of an accident where your car causes damage to someone else's property.

  • 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.

  • No-claims and no-blame bonus

    If you've been claim free for 12 months, you'll receive a no claims bonus. You won't lose it if you're involved in an accident, can identify the other party, and the other party was more than 50% at fault.

  • Replacement vehicle

    If you replace your vehicle or buy a new one, we'll automatically cover the new or replacement vehicle for 14 days.

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

Download policy (PDF, 794KB)
Other car policies:
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.