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.

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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:
Comprehensive
Third party

If you took out car cover before July 2018 a different policy wording will apply. Get a copy of your policy wording.

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.

Ready for a quote?

Save 10% when you buy Third party fire & theft car insurance online and start collecting Airpoints Dollars™ today.


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* Ts&Cs apply. Discount excludes RoadWise, NZ government levies and taxes.