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.

  • claim secure

    Claims approved fast

    Over 87% of online car claims approved instantly.*

  • collision

    Not your fault?

    If your car is damaged by an uninsured driver, you could be covered up to $4,000.**

  • roadside assistance

    Roadside assistance

    Flat tyre? Flat battery? We can help if you've added RoadWise® cover to your policy.

  • protect

    One event, one excess

    Pay only the highest excess if one mishap means claims on multiple eligible policies.

*Based on monthly average for online car insurance claims sent to a Tower trusted repair partner 1 April 2025 - 31 March 2026.
**If you can identify the person at fault and the fault was more than 50% theirs.
Policy terms, excesses, limits and exclusions apply. Cover subject to current underwriting criteria.

Our third party, fire and theft 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, fire and theft

Damage by an uninsured vehicle 

Up to $4,000

We'll repair your vehicle if it's damaged by an uninsured vehicle under our comprehensive cover. For third party fire and theft and third party covers we'll repair your car if you can identify the person at fault and the fault was more than 50% theirs.
Damage by an uninsured vehicle
We'll repair your vehicle if it's damaged by an uninsured vehicle under our comprehensive cover. For third party fire and theft and third party covers we'll repair your car if you can identify the person at fault and the fault was more than 50% theirs.
Up to $4,000
Damaging someone else’s car or other property 
If you're in an accident and you cause damage to someone else's car or property, we'll cover you for your legal liability to repair it.
Damaging someone else’s car or other property
If you're in an accident and you cause damage to someone else's car or property, we'll cover you for your legal liability to repair it.
Claims that were not your fault 
You won’t pay an excess if you’ve been involved in an accident during the period of insurance, and 1. you’ve identified the party at fault (name, phone number, and registration number of that other party’s vehicle), and 2. we’re satisfied that the other party was more than 50% at fault.
Claims that were not your fault
You won’t pay an excess if you’ve been involved in an accident during the period of insurance, and 1. you’ve identified the party at fault (name, phone number, and registration number of that other party’s vehicle), and 2. we’re satisfied that the other party was more than 50% at fault.
Towing 
We’ll pay for removing your car to the nearest repairer or place of safety if it can’t be driven after a loss covered under this policy.
Towing
We’ll pay for removing your car to the nearest repairer or place of safety if it can’t be driven after a loss covered under this policy.
Fire damage and theft 
We’ll cover your car if it’s damaged by fire, stolen or someone attempted to steal it.
Fire damage and theft
We’ll cover your car if it’s damaged by fire, stolen or someone attempted to steal it.
Natural disasters 
We’ll pay for natural disaster damage to your car during theperiod of insurance.
Natural disasters
We’ll pay for natural disaster damage to your car during theperiod of insurance.
Repair guarantee 
If you use one of our Tower Repair Partners for your car claim, we’ll guarantee the repairs for as long as you own the car.
Repair guarantee
If you use one of our Tower Repair Partners for your car claim, we’ll guarantee the repairs for as long as you own the car.
Replacement and additional cars 
If you replace your car or buy a new one, we’ll automatically cover it for 14 days. If you paid more than $125,000 for the car, this benefit doesn’t apply, so please call us to arrange insurance before you purchase the replacement car.
Replacement and additional cars
If you replace your car or buy a new one, we’ll automatically cover it for 14 days. If you paid more than $125,000 for the car, this benefit doesn’t apply, so please call us to arrange insurance before you purchase the replacement car.
Child car seats 

Up to $500

Cover for child car seats if they’re damaged in a car accident, or while they’re stored at home.
Child car seats
Cover for child car seats if they’re damaged in a car accident, or while they’re stored at home.
Up to $500
Transport costs 

Up to $250

We’ll cover your travel and accommodation expenses to complete your journey or return home after an accident, or if your vehicle is stolen.
Transport costs
We’ll cover your travel and accommodation expenses to complete your journey or return home after an accident, or if your vehicle is stolen.
Up to $250
Lost or stolen keys 
We'll help replace keys and locks if yours are stolen, lost, or illegally copied, and you won't need to pay an excess.
Lost or stolen keys
We'll help replace keys and locks if yours are stolen, lost, or illegally copied, and you won't need to pay an excess.
Two year replacement from new 
We'll replace your car with a new car of the same make, model and variant, (for example a Toyota Corolla GX) subject to current availability if your car becomes a total loss.
Two year replacement from new
We'll replace your car with a new car of the same make, model and variant, (for example a Toyota Corolla GX) subject to current availability if your car becomes a total loss.
Pay only one excess 
Pay only one excess
OPTIONAL BENEFITS 
OPTIONAL BENEFITS
RoadWise® roadside assistance 
Our 24/7 roadside assistance service covers the car, not the person, so anyone driving the car can use it across NZ. It includes three free call-outs per year. Learn more
RoadWise® roadside assistance
Our 24/7 roadside assistance service covers the car, not the person, so anyone driving the car can use it across NZ. It includes three free call-outs per year. Learn more
Windscreen excess buyout 
Windscreen and window glass are automatically covered, but if you choose this benefit, you won’t have to pay any excess for any windscreen claims.
Windscreen excess buyout
Windscreen and window glass are automatically covered, but if you choose this benefit, you won’t have to pay any excess for any windscreen claims.
Rental car 

Up to $750

If your car is stolen or undriveable after an accident, we’ll cover the cost of hiring and insuring a similar car.
Rental car
If your car is stolen or undriveable after an accident, we’ll cover the cost of hiring and insuring a similar car.
Up to $750
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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.

RoadWise roadside assistance 

Manage your insurance with My Tower

You can update, claim and keep track of your insurance 24/7 through My Tower. Log in or register today. 

Log in to My TowerRegister for My Tower

Tower Translates

We know insurance lingo can be a bit confusing. While our policies are WriteMark™ approved, we've put our heads together to explain some common terms.

Check out our translations

Third party, fire and theft  car insurance FAQs

What does third party, fire and theft insurance cover?

Third party, fire and theft insurance gives you more than just the basics. You're covered if your car's stolen or damaged by fire, and if you accidently damage someone else's car or property.* It's a great option if you want a bit more cover without going full comprehensive.

Is it worth getting third party, fire and theft insurance?

Third party, fire and theft insurance provides essential cover for your car, with more benefits than third party only. It's a great option for those balancing value and cost, or for those who are happy to pay to repair or replace their own car out of their own pocket.

Does third party, fire and theft insurance cover damage to my car?

Third party, fire and theft covers your car only if it's stolen or damaged by fire.* If it's damaged in a car accident, you're not covered. However, you'll still be covered if your car causes damage to someone else's car or property.

Does third party, fire and theft insurance cover windscreen damage?

Yes, your windscreen and window glass are covered under both our comprehensive and third party, fire and theft policies. You can make a claim for windscreen damage by contacting our repair partner Novus, directly.

Contact Novus

You can also add our windscreen excess buyout benefit when you take out a comprehensive or third party, fire and theft policy, and you won't pay an excess if you claim. 

*Fire and theft cover up to market value.

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