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.
What is GoCarma?
We’re all about rewarding our safer drivers. Download and install the app and connect your smartphone to your car’s Bluetooth and GoCarma is ready to score your every trip, 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.
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.
The better you drive, the lower your excess
If you’re an eligible Tower customer, you could be rewarded with a discount on your car insurance excess.
You won’t be charged a higher excess if you drive poorly.
Excess discount awards are valid for 6 months. For full details please see Ts&Cs.
It's simple to earn
To earn an award, you'll need to:
- Track 10 trips with GoCarma
- Drive at least 250km and track these km’s with GoCarma
- Get a minimum driving score of 70 points
- Be an eligible Tower motor policy holder
If you complete the above criteria, you will qualify for an excess discount award for 6 months.*
Your trip and kilometre counters will reset to 0 and you will need to complete the criteria again to earn another award. If you score even higher next time, your reward increases!
Be rewarded and save!
- 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.
Take part in our challenges and you could win prizes!
You could win prizes for driving safely!
Keep an eye out on the challenge and prizes section in the app.
Want to keep an eye on your carbon footprint?
GoCarma’s latest feature helps you track your CO2 emissions so you can reduce your impact on the planet and find ways to keep it small.
Just enter the make and model of your vehicle to receive an estimate of the amount of CO2 you’re emitting each time you drive.
To calculate your CO2 emissions, GoCarma takes into consideration the distance you drive, how you drive, your idle time and your speed.
Learn how to reduce your CO2 emissions with the helpful driving tips in the app.
Download GoCarma today and start measuring your CO2 emissions!
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
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Download the GoCarma app.
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Sign up and follow the prompts. When you sign up for GoCarma, a My Tower account will be automatically created for you.
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It’s simple to switch to Tower. Don't forget to keep an eye on your vouchers because there might be a promo code to make it cheaper too.
Who can use GoCarma?
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.
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.
GoCarma General FAQs
Yes, you can! If you are not a Tower customer, sign up and follow the prompts. When you sign up for GoCarma, a My Tower account will be automatically created for you with your name and email address.
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.
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.
Currently, the Excess Discount Reward is only for eligible Tower motor policy holders . Check out the GoCarma terms and conditions for more info on eligibility
An excess discount is a reward that can be earnt by eligible Tower motor policy holders, or named drivers, who have driven 250kms 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 250kms over at least 10 trips.
The Excess Discount can be applied for all valid motor policy claims, except windscreen or window glass only claims.
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.
Yes, the type of vehicle and fuel also affects your CO2 emissions. For example, electric vehicles don’t require any petrol or diesel.
If your car is a new model to New Zealand, we may not have it on our list. Our list is updated periodically, so check back again soon.
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.
To take part in a challenge, sign up to the leaderboard challenge and accept the Ts&Cs. 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.
How safe is your vehicle?
Find out the safety rating of your vehicle, or one you're looking to buy.
For full eligibility criteria please see the Terms and Conditions.
At Tower we are committed to protecting your privacy. Read the GoCarma Privacy Policy.