Third party fire and theft car insurance
Get essential cover for your car with Tower, your forward thinking insurer.
Compare our third party fire and theft car insurance
Tower's third party fire and theft car insurance provides cover for the fire or theft of your vehicle, as well as cover for damage your car causes to other people's property.
If you’re unsure of what the best car insurance is for you, check out our car insurance buyers guide.
Save up to 20% with our multi-policy discount
Buy multiple car, house, contents, landlord or boat policies and save up to 20%. Ts&Cs apply.
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.
Replacement and additional cars
If you replace your vehicle or buy a new one, we'll automatically cover the new or replacement vehicle for 14 days.
We're thrilled to have won General Insurer of the Year 2022 at the NZ Insurance Business Awards.
Third party, fire and theft
Up to $500
Up to $250
Up to $750
Info, ideas and inspiration
Tips on protecting the things that matter the most to you.
Car insurance FAQs
Your windscreen and window glass is automatically covered under our Comprehensive and Third party fire & theft policies. If you ever need to make a claim for windscreen damage, just call us on 0800 379 372 and we'll get it sorted.
If you've got a cracked windscreen, Tower's chatbot Charlie can help you make a booking with Novus. Tell Charlie "Start a windscreen claim" Book now.
You can also add our windscreen excess buyout benefit when you take out the policy and you won't pay an excess if you claim, or lose your no-claims bonus.
If you're not completely happy with your cover, just let us know within 15 days of the policy start date.
As long as you haven't made any claims during this time, we'll cancel the policy and refund any premium payments you've made. If the policy was not quite right, we might be able to change it to better suit you.