Third party fire & theft car insurance

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.

This is the most current policy available to purchase on our website. Your policy wording may be different.
Request a copy of your policy wording.

WriteMark - Plain Language Standard

Get our 24/7 roadside assistance for just $3.75 a month. RoadWise offers nationwide service and three free call outs a year.

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 20% when you buy Third party fire & theft car insurance online and start collecting Airpoints Dollars™ today.

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