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EV insurance

Get cover for your electric or hybrid vehicle with Tower, your forward thinking insurer.

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Cover you can trust

Enjoy award-winning insurance with a forward thinking insurer.

Compare our EV car insurance

Bought a new EV or just checking to see if you have the best cover? Our car insurance buyers guide might help.

remote vehicle assessment for car insurance claim

Remote vehicle assessments

Need to make a claim? Some of our priority repairers can assess your car remotely using your mobile phone, without you needing to leave home.

save on car insurance with GoCarma

Be rewarded with GoCarma

Drive safely? With GoCarma, the better you drive, the lower your excess. Download today on the App Store or get it on Google Play. Find out more.

Two year new car replacement with car insurance

Two year replacement from new

Insure your new car with Tower and if it's written off, we'll replace it with a new car of the same make, model and variant inside the first two years.

Lighthouse

Lost or stolen keys? Replaced excess free

We’ll replace your keys or remotes if they’re lost, stolen or you think they’ve been illegally duplicated, and you won’t have to pay any excess for the first claim.

Guide to buying car insurance

Tower's car insurance policies

Choose from one of our policies:

Comprehensive cover: This option covers accidental damage, as well as any damage your car causes to someone else’s vehicle or property.

Third party, fire and theft cover: This option also covers your vehicle against fire and being stolen, as well as damage your car causes to someone else’s vehicle or property.

Third party cover: This option pays for damage you cause to other people's car and property, but not your own.

This is a summary only. For all terms, conditions, limits and exclusions, please read the policy wording.

Comprehensive

Third party, fire and theft

Third party

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Most popular

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Most popular

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Most popular

Damage to your car 
Damage to your car
Damage to your car
Damage to your car
Damage by an uninsured vehicle 
We'll repair your car if it's damaged by an uninsured vehicle for comprehensive covers. 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 car if it's damaged by an uninsured vehicle for comprehensive covers. 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 car if it's damaged by an uninsured vehicle for comprehensive covers. 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
Damage by an uninsured vehicle
We'll repair your car if it's damaged by an uninsured vehicle for comprehensive covers. 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.
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’ll keep your no claims bonus and you won’t pay an excess if you’vebeen 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’ll keep your no claims bonus and you won’t pay an excess if you’vebeen 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’ll keep your no claims bonus and you won’t pay an excess if you’vebeen 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’ll keep your no claims bonus and you won’t pay an excess if you’vebeen 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.
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.
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.
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.
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.
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.
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.
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.
Lost or stolen keys 
We’ll replace your keys or remotes if they’re lost, stolen or you think they’ve been illegally duplicated, and you won’t have to pay any excess for the first claim.
Lost or stolen keys
We’ll replace your keys or remotes if they’re lost, stolen or you think they’ve been illegally duplicated, and you won’t have to pay any excess for the first claim.
Up to $1,000, excess free
Lost or stolen keys
We’ll replace your keys or remotes if they’re lost, stolen or you think they’ve been illegally duplicated, and you won’t have to pay any excess for the first claim.
Lost or stolen keys
We’ll replace your keys or remotes if they’re lost, stolen or you think they’ve been illegally duplicated, and you won’t have to pay any excess for the first claim.
Child car seats 
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 $750
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
Child car seats
Cover for child car seats if they’re damaged in a car accident, or while they’re stored at home.
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.
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 $500
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
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.
Natural disaster damage 
We’ll pay for natural disaster damage to your car during the period of insurance.
Natural disaster damage
We’ll pay for natural disaster damage to your car during the period of insurance.
Natural disaster damage
We’ll pay for natural disaster damage to your car during the period of insurance.
Natural disaster damage
We’ll pay for natural disaster damage to your car during the period of insurance.
Pay only one excess 
Pay only one excess when claiming on multiple policies for a single incident at the same address.
Pay only one excess
Pay only one excess when claiming on multiple policies for a single incident at the same address.
Pay only one excess
Pay only one excess when claiming on multiple policies for a single incident at the same address.
Pay only one excess
Pay only one excess when claiming on multiple policies for a single incident at the same address.
No claims bonus 
If you haven’t had a claim with us (or another insurer) during the last year of your insurance, you’ll receive a discount on your premium.
No claims bonus
If you haven’t had a claim with us (or another insurer) during the last year of your insurance, you’ll receive a discount on your premium.
No claims bonus
If you haven’t had a claim with us (or another insurer) during the last year of your insurance, you’ll receive a discount on your premium.
No claims bonus
If you haven’t had a claim with us (or another insurer) during the last year of your insurance, you’ll receive a discount on your premium.
OPTIONAL BENEFITS 
OPTIONAL BENEFITS
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
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.
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 
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 $1,000
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
Rental car
If your car is stolen or undriveable after an accident, we’ll cover the cost of hiring and insuring a similar car.
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Save up to 20% with our multi-policy discount.**

Electric vehicle insurance FAQs

BEV

  • BEVs are powered solely by electric batteries, so they must be topped up at a plug-in charging station or at home.
  • Electric car batteries have a certain lifespan and can be expensive to replace.

Hybrid and PHEV

  • Hybrid vehicles and PHEVs use a combination of batteries and a conventional engine.
  • PHEVs can be charged at home or at charging stations, just like BEVs.
  • Hybrid vehicles and PHEVs are more efficient and environmentally friendly than pure petrol or diesel vehicles. However, you’ll still need to fill your car up with petrol or diesel.
  • Driving an electric vehicle in New Zealand instead of a petrol or diesel car will cut your CO2 emissions by 80% compared to petrol and diesel vehicles1
  • BEVs emit 60% fewer climate-changing emissions over their full life cycle than petrol vehicles2
  • Fully electric vehicles may be cheaper to run with less maintenance required as they have fewer moving parts than non-electric cars3
  • Fully electric vehicles make less engine noise which means a quieter ride4
  • The network of charging stations across the country is growing. Some local councils offer free parking for EVs, and charging points may be near to the entrance of supermarkets and service stations. Find your local EV charging station.

The Clean Car scheme gives you a helping hand in going greener by offering a rebate on an eligible new or used light vehicle . Visit the NZTA website for more details.

No, you don't need special insurance. Subject to our underwriting criteria, we generally insure electric vehicles under our car insurance policies. One exception is the BMW i3 which we don't insure currently.

We insure various popular electric vehicles from brands like Nissan, Hyundai, Kia, and Volkswagen.

Although we insure petrol hybrid vehicles (hybrids whose motive power is not derived, wholly or partly, from an external source of electricity) they do not qualify for the rebate. Remember to check the eligibility criteria on the NZTA website.

The cost of car insurance can vary as we use a risk-based pricing model. This takes into account things like the type of car you drive, your car's value, and where you live. Read our brief guide to find out more about our car insurance pricing.

Tower's Comprehensive car insurance covers your batteries if they are damaged as part of a sudden and accidental event, fire or theft. There is also limited cover for this under Third Party, Fire and Theft policies. Tower policies don't cover battery failure or wear and tear on normal or electric vehicles. Please read the full details of cover in the Comprehensive and Third Party, Fire and Theft policy wordings.

Tower's Comprehensive and Third Party Fire and Theft policies cover your electric car's standard charging pack and cable for accidental fire or theft. Please read the full details of cover in the Comprehensive and Third Party, Fire and Theft policy wordings.

If a charging station is installed in your home, this would fall under your home and/or contents policy. Buy house and contents insurance with Tower.

Discover

What should you do after a natural flood?

Don’t wait! You can take steps to minimise damage and disruption following a flood and we encourage you to take these steps where it is safe to do so. Follow our guide to get back to enjoying your home and property as soon as possible.

Self-driving cars

Are you ready for a world of self-driving cars? Here’s everything you need to know on the latest tech that’s coming to New Zealand.

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Petrol prices seem to go up and up. So we have some tips to help your fill go further, so you can spend less at the pump.
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References

1 https://www.eeca.govt.nz/assets/EECA-Resources/Research-papers-guides/ev-lca-report-infographic-nov-2015.pdf
2 https://www.eeca.govt.nz/assets/EECA-Resources/Research-papers-guides/ev-lca-report-infographic-nov-2015.pdf
3 https://driveelectric.org.nz/individuals/what-is-an-ev
4 https://driveelectric.org.nz/individuals/what-is-an-ev

The links we provide to third-party websites are for your convenience and do not constitute any endorsement or authorisation by us. The information provided on this page is general in nature and is not intended to be professional or legal advice. Tower does not accept any liability for the accuracy or content of information on this website that belongs to third parties or on any third-party website.

** Multi-policy discount Ts&Cs apply.

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