Third party fire and 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.
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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 guarantee
If you replace your vehicle or buy a new one, we'll automatically cover the new or replacement vehicle for 14 days.
Child car seats
Cover for child car seats up to $500 per seat if they’re damaged in a car accident, or while they’re stored at home.
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.
This policy has been awarded the WriteMark which is a plain language standard
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.
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?
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