Third party car insurance
Get third party cover with Tower, your forward thinking insurer.
Compare our third party car insurance
Tower's third party car insurance is the minimum level of cover available. It covers damage your car causes to other people's car or 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.
Easy to understand policies
Our policies meet the WriteMark Plain Language Standard, which means our policy wording is easier to read and understand.
Claim or manage your insurance 24/7
My Tower is our easy-to-use online self-service portal. So you can update, claim and manage your insurance quickly online.
We're award-winning
We're thrilled to have won General Insurer of the Year 2022 at the NZ Insurance Business Awards.
Our third party car insurance policy includes
This is a summary only. For all of these benefits, please make sure you read the policy wording to understand the terms, conditions, limits and exclusions that may apply.
Third party
Need roadside assistance?
If you're a RoadWise® member, call 0800 24 24 02 to speak to a skilled operator and simply quote your vehicle registration number.


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Car insurance FAQs
Our private car policies cover you for driving to work, but won't cover using your car for work. Our Commercial vehicle insurance might be right for you if you're:
- an on-road salesperson
- a tradesperson.
Our policies don't cover your car if it stops working due to mechanical failure. However, 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.
We do, as long as they are driving inside the conditions of their licence.
No, neither our commercial or private policies cover ride-share and car-share services like Uber, Ola, Zoomy and Yourdrive.
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.
We aim to make claiming on your car insurance as simple as possible. We'll guide you through the process, let you know what happens next and keep you up to date with any progress. Car and motor vehicle claims
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