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GoCarma by Tower

With GoCarma, the better you drive, the lower your excess.

Download today on the App Store or get it on Google Play.

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What is GoCarma?

GoCarma by Tower rewards safer drivers. Simply connect your smartphone to your car’s Bluetooth and GoCarma will score your performance every time you get behind the wheel, encouraging you to be a better and safer driver.

Each trip is given its own score, and your overall score is recalculated and updated after each trip. Don’t worry, the app uses averages to analyse your driving habits, so an isolated incident won’t have a significant impact on your overall score.

You don't have to be a Tower customer to use GoCarma. Anyone can download the GoCarma app for free from the Apple or Google Play store and start enjoying it today.

Who can use GoCarma?

Tower customers

  • Download the GoCarma app.
  • Log in using your My Tower login details.
  • If you haven’t registered for My Tower yet, don’t worry. Just sign up to GoCarma using the same name and email as your policy and a My Tower account will be automatically created for you.

Non-Tower customers

  • Download the GoCarma app.
  • Sign up and follow the prompts. When you sign up for GoCarma, a My Tower account will be automatically created for you.
  • You can use GoCarma for 30 days for free, but you’ll need to have at least one policy with Tower if you want to keep it longer.
  • It’s simple to switch to Tower once 30 days is up. Don't forget to keep an eye on your vouchers because there might be a promo code to make it cheaper too.

How does GoCarma work?

Watch our how to video to get started, and see our FAQs below for more details.

The better you drive, the lower your excess

Eligible Tower customers could be rewarded with a discount on your car insurance excess. Excess discount awards are valid for 6 months, even if you score drops below 70. For full details on the Excess Discount Reward please see Ts&Cs.

Not a Tower customer? Find out more about our motor policies.

It's simple to earn

All eligible Tower Motor Policy holders who complete:

  • 10 trips tracked by GoCarma
  • Drive at least 500 kilometres
  • Get a minimum driving score of 70

Will qualify for an excess discount award and your trip and kilometre counters will reset to 0. Score over 70 again with the criteria above and the 6 months starts again! Score even higher, and your reward increases!

How much can I save?

The points you’ll need to hit to earn a discount reward are:

  • Bronze: $100 off standard excess if you get a score between 70 to 79
  • Silver: $200 off standard excess if you get a score between 80 to 89
  • Gold: $300 off standard excess if you get a score between 90 to 100

Earn rewards with GoCarma

Take part in our challenges and win prizes!

There are lots of challenges to be part of and prizes up for grabs. We will be regularly updating what’s on offer, so keep an eye out on the Challenge and Prizes section inside the app.

View the terms and conditions for all GoCarma promotions, competitions and offers.

Want $50 off your next policy?

Just drive a minimum of 2km with the GoCarma app tracking your journey and score at least 10 points (easy) to unlock $50 off your next Tower policy when you buy online!

You’ll be sent a promo code within the voucher section of the GoCarma app. See our Ts&Cs for more details.

GoCarma General FAQs

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Yes you can! If you are not a Tower customer, you can download and use the app for 30 days for free, but you’ll need to have at least one policy with Tower if you want to keep using it longer. Don’t worry, it’s simple to switch to Tower, and don't forget to keep an eye on your vouchers because there might be a promo code to make it cheaper too.
GoCarma is available to use on iPhone running iOS 10 and above and Android phones running 6.0 and above.
GoCarma needs permission to access your GPS, and motion and activity sensors. The app needs to collect your location, sensor, motion and fitness, user context and activity data so it can correctly score your driving.
The GoCarma app can only be connected via Bluetooth to one car at a time. If you want to record a trip in a different car your Bluetooth needs to be disconnected and paired to a different car.
GoCarma is free to download and use. If you are a Tower insurance policy holder or named driver you have unlimited access to use GoCarma. If you are not a Tower customer you can use GoCarma free of charge for 30 days. Before the 30 days is up you will need to purchase an insurance policy with Tower to continue to use GoCarma.
Mobile data use varies. However, if you don't want to use your mobile data when you don't have internet access you can also turn the mobile data function off. Your trip will still be tracked and recorded but it won't utilize your data. Just remember to turn it back on so that your trips can be uploaded when you're back on WiFi.

When you sign up for GoCarma we ask for your name and email address. This is used to identify and contact you for marketing messages and rewards. In addition to this, GoCarma needs your permission to access your GPS location, sensor, motion and fitness, and activity data.

When the GoCarma app is connected to your car’s Bluetooth it collects driving data using the gyrometer in your mobile phone so a driving score can be correctly calculated. The information GoCarma collects includes your driving acceleration, braking, cornering and phone distraction. This information will be collected and used for the purposes of giving you a driving score and earning rewards. 

All of the data that we collect will be used for the purposes for which it was collected. It will not be used to track or monitor you in any other ways. If at any point anything changes, we will communicate this to you and reflect it in our Privacy Policy. 

It's really easy to set up and use. Just download the GoCarma app from the Apple or Google Play store. You can sign in using your My Tower account or create a new account. Connect your mobile to your car's Bluetooth and pair your phone so GoCarma can begin tracking your driving. You will know you are connected because the dot by the Bluetooth symbol will change to green.
A trip is when the Bluetooth connects and registers a drive. You do not have to drive any specific distance for it to be a 'trip'.
Your car needs to have in-built Bluetooth capability, so GoCarma can directly connect to it and accurately track your driving behaviours.
Unfortunately, no - you will need to have a Bluetooth enabled car to use GoCarma so it can track the driving correctly.
Yes other apps can be running or in use at the same time. To receive driver scoring, participate in challenges and rewards GoCarma needs to runs in the background so you do not need to actively use it whilst driving. But remember not to use your mobile while you are driving.

GoCarma Troubleshooting FAQs

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If you need to change your first or last name, or email address please email us at gocarma@tower.co.nz.
On the login screen in the GoCarma app click on 'Forgot Password'. A temporary password will then be sent to your email with instructions on how to set a new password.
Check that the Bluetooth is connected between your car and your mobile. You will know you are connected because the green dot next to the Bluetooth symbol will change to green when you are in the car - remember to check this BEFORE you start driving. If you are still having issues please email gocarma@tower.co.nz.
It's important to understand that every time we pick up our mobile to check a message, make a call or check a map, even at the lights, it’s a distraction. GoCarma will help remind you of these distractions to improve your driving habits.
GoCarma will not log a hands free call as a distraction. But every time we pick up our mobile to check a message, make a call or check a map, even at the lights, it’s a distraction. GoCarma helps remind you of these distractions to improve your driving habits.
GoCarma is new to New Zealand roads, but will learn quickly as we collect driving information. If you think we have something wrong, please email us at gocarma@tower.co.nz.
GoCarma collects your driving data based on how well you drive - including acceleration, braking, cornering and phone distraction. The more data that is collected from New Zealand drivers travelling on New Zealand roads will improve the accuracy of the scoring.

GoCarma Scoring and Rewards FAQs

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GoCarma’s clever system gives you a score up to 100 based on your driving habits. It measures your driving acceleration, whether you stick to the speed limit, how you brake, cornering speed, and mobile phone use. But don’t worry, your score is calculated based on your average driving habits over the last 12 weeks, so an isolated incident won’t have a significant impact on your score.

Currently, the Excess Discount Reward is only for Tower Direct customers. Check out GoCarma terms and conditions for more info on eligiblity www.tower.co.nz/gocarmaterms.

An excess discount is a reward that can be earnt by eligible Tower Motor policy holders, or named drivers, who have driven 500kms over at least 10 trips and received a score of 70 points or higher. The excess discount awards and the points drivers need to hit are:

  • Bronze: $100 off standard excess if you get a score between 70 to 79
  • Silver: $200 off standard excess if you get a score between 80 to 89
  • Gold: $300 off standard excess if you get a score between 90 to 100.
Once drivers hit these goals, they will qualify for an excess discount award which lasts for 6 months. To extend the excess discount (or move up to a higher award level) they will need to drive another 500kms over at least 10 trips.
The Excess Discount can be applied for all valid claims, except windscreen or window glass only claims.
The excess discount is valid for 6 months. This can be extended, or you can go up to a higher award level, by driving another 500kms over at least 10 trips. The score is re-calculated every time you complete 500kms in at least 10 trips and if you get a consistently higher score per drive your average will correspondingly increase also.
Yes, if you are named driver on an eligible Tower policy you can qualify for the excess discount. But you'll need to drive 500kms over at least 10 trips tracked by GoCarma so GoCarma can score your driving. If you get a score above 70 then you will get an excess discount reward which can be used for any valid non-glass or windscreen claims.
You can check if you've won any challenges, rewards or prizes in the 'vouchers' section of the app. In the voucher section there will be information on how to claim your prize, a discount code or information on how to claim your reward(s). You will also receive a confirmation email to the email you used when you signed up to My Tower or GoCarma if you are a winner, have a voucher or reward to redeem.
Your score will not affect the premiums you pay or any other conditions of your policy cover. The only difference is that if you are a Tower motor customer you will be able to earn a discount on your excess if you meet the criteria outlined above relating to the Excess Discount.
Each trip is assigned it's own score, and your overall score is recalculated after each trip. It represents an average of how you drive over the previous 12 weeks during which you were actively recording your trips. If you have not driven for 12 weeks, then the overall score will be calculation of the driving so far.
To take part in a challenge, sign up to the leaderboard challenge and accept the Ts&Cs. But once you have signed up to a leaderboard challenge your name can't be removed until that challenge is over.
The leaderboard is updated as soon as the trips are uploaded by the drivers on the leaderboard.
Unfortunately, you can't currently create your own challenges with your friends, but you can join our existing challenges which are located in the 'challenges' section of the app.

GoCarma by Tower. Download today!

Download on the App Store or get it on Google Play.

To download the app, you’ll need at least the iOS 10 operating system on Apple or version 6 (Marshmallow) on Android.

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By downloading, installing or using the GoCarma app you agree to be bound by the Terms and Conditions.
At Tower we are committed to protecting your privacy. Read the GoCarma Privacy Policy.