Why choose Tower motorhome insurance

Bought a new motorhome, campervan or RV or keen to compare insurance cover? Look no further. From third party fire and theft to comprehensive, we've got a range of benefits and optional extras to meet your needs and budget.

Remote vehicle assessments

Remote vehicle assessments

Our priority repairers can assess your motorhome remotely using your mobile phone, without you needing to leave home. Find out more.

Windscreen and window glass replacement for motorhomes

Windscreen and window glass replacement

We'll repair your damaged windscreen and window glass.

Our motorhome 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.

Comprehensive

Third party, fire and theft

Collision cover 
We'll pay to repair or replace your motorhome if it's damaged in a collision.
Collision cover
We'll pay to repair or replace your motorhome if it's damaged in a collision.
Collision cover
We'll pay to repair or replace your motorhome if it's damaged in a collision.
Fire and theft 
Cover for your motorhome if it's damaged by fire, stolen, or damaged during an attempted theft.
Fire and theft
Cover for your motorhome if it's damaged by fire, stolen, or damaged during an attempted theft.
Fire and theft
Cover for your motorhome if it's damaged by fire, stolen, or damaged during an attempted theft.
Damage by an uninsured third party 
For comprehensive covers we'll repair your motorhome if it's damaged by an uninsured vehicle. For third party cover we'll repair your motorhome if you can identify the person at fault and the fault was at least 50% theirs.
Damage by an uninsured third party
For comprehensive covers we'll repair your motorhome if it's damaged by an uninsured vehicle. For third party cover we'll repair your motorhome if you can identify the person at fault and the fault was at least 50% theirs.
Damage by an uninsured third party
For comprehensive covers we'll repair your motorhome if it's damaged by an uninsured vehicle. For third party cover we'll repair your motorhome if you can identify the person at fault and the fault was at least 50% theirs.
Up to $4,000
Claims that were not your fault 
You’ll keep your no claims bonus and 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’ll keep your no claims bonus and 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’ll keep your no claims bonus and 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.
Road clearing costs 
We’ll pay to remove debris from a road or parking area for which you are legally liable after an accident if your claim is accepted.
Road clearing costs
We’ll pay to remove debris from a road or parking area for which you are legally liable after an accident if your claim is accepted.
Up to $1,000
Road clearing costs
We’ll pay to remove debris from a road or parking area for which you are legally liable after an accident if your claim is accepted.
Up to $500
Towing and temporary storage 
We'll pay to move your motorhome to the nearest repairer or place of safety if it can't be safely driven after an accident.
Towing and temporary storage
We'll pay to move your motorhome to the nearest repairer or place of safety if it can't be safely driven after an accident.
Towing and temporary storage
We'll pay to move your motorhome to the nearest repairer or place of safety if it can't be safely driven after an accident.
Transport costs 
We’ll cover your travel and accommodation expenses to complete your journey or return home after an accident, or if your motorhome 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 motorhome 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 motorhome is stolen.
Up to $250
Natural disaster damage 
If your motorhome is damaged in a natural disaster, we'll pay for the repairs.
Natural disaster damage
If your motorhome is damaged in a natural disaster, we'll pay for the repairs.
Natural disaster damage
If your motorhome is damaged in a natural disaster, we'll pay for the repairs.
Windscreen and window glass 
Windscreen and window glass
Windscreen and window glass
Repair guarantee 
We provide a lifetime guarantee for all repairs carried out by one of our recommended repairers.
Repair guarantee
We provide a lifetime guarantee for all repairs carried out by one of our recommended repairers.
Repair guarantee
We provide a lifetime guarantee for all repairs carried out by one of our recommended repairers.
Keys and locks 
We'll help replace keys and locks if yours are stolen, lost, or illegally copied, and you won't need to pay an excess.
Keys and locks
We'll help replace keys and locks if yours are stolen, lost, or illegally copied, and you won't need to pay an excess.
Keys and locks
We'll help replace keys and locks if yours are stolen, lost, or illegally copied, and you won't need to pay an excess.
Pay only one excess 
Pay only one excess when claiming on multiple eligible policies for a single event. The highest excess applies.
Pay only one excess
Pay only one excess when claiming on multiple eligible policies for a single event. The highest excess applies.
Pay only one excess
Pay only one excess when claiming on multiple eligible policies for a single event. The highest excess applies.
Optional benefits 
Optional benefits
Optional benefits
Accessories and modifications 
If you’ve chosen this optional benefit, we’ll cover loss to your accessories and modifications that are installed in or on your motorhome. We also cover loss to your accessories if that loss occurs while they are stored at home.
Accessories and modifications
If you’ve chosen this optional benefit, we’ll cover loss to your accessories and modifications that are installed in or on your motorhome. We also cover loss to your accessories if that loss occurs while they are stored at home.
Optional, $2,000 or $5,000
Accessories and modifications
If you’ve chosen this optional benefit, we’ll cover loss to your accessories and modifications that are installed in or on your motorhome. We also cover loss to your accessories if that loss occurs while they are stored at home.
Optional, $2,000 or $5,000
Motorhome contents 
We’ll pay for loss to your contents that are permanently stored in, or have been expressly purchased for, your motorhome.
Motorhome contents
We’ll pay for loss to your contents that are permanently stored in, or have been expressly purchased for, your motorhome.
Optional up to $5,000
Motorhome contents
We’ll pay for loss to your contents that are permanently stored in, or have been expressly purchased for, your motorhome.
Optional up to $5,000
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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

Motorhome insurance FAQs

Does Tower insure motorhomes at market value or agreed value?

Tower insures motorhomes at market value. If your motorhome is written off or stolen, we will settle your claim for the amount your motorhome is worth on the day it's damaged or stolen.

Are my contents covered under Tower's motorhome insurance policy?

Contents that are permanently stored in your motorhome are covered if you've chosen the optional motorhome contents benefit, e.g., bedding and kitchen equipment. 

Personal effects are not covered, including any business or professional tools, even if they are stored in your motorhome permanently.

To cover your personal effects you'll need to buy contents insurance. At Tower you can buy motorhome and contents insurance together and save up to 10% with our multi-policy discount. Ts&Cs apply.

What can I use my motorhome for under this policy?

Your motorhome is covered while it's being used for social, domestic, or private purposes, including being used for community or charity work in New Zealand.

Is my motorhome covered if it breaks down?

Our policies don't cover your motorhome if it stops working due to mechanical failure.

Do you cover drivers on learners and restricted licences?

We do, as long as they are driving inside the conditions of their licence.

How do I make a motorhome insurance claim?

We aim to make claiming on your motorhome 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. Just call us on  0800 379 372.

Can I cancel if I change my mind?

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 is not quite right, we might be able to change it to better suit you.