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Looking for motorhome insurance?

Comprehensive or Third party fire and theft cover for your RV or campervan. Call us on 0800 379 372 for a quote.

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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.

Priority repair guarantee on caravan insurance claims

Priority repair guarantee

If you use one of our recommended repairers for your motorhome claim, we'll guarantee the repairs for as long as you own the motorhome.

One event one excess

Lost or stolen keys? Replaced excess free

With our Comprehensive policy, we’ll replace your keys 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.

Tower's 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

Earn Airpoints Dollars 
Take out any eligible Tower policy and you’ll receive 1 Airpoints Dollar™ for every $100 you spend on your premium annually. Ts&Cs apply.
Earn Airpoints Dollars
Earn Airpoints Dollars
Collision cover 
We'll pay to repair or replace your motorhome if it's damaged in a collision.
Collision cover
Collision cover
Fire and theft 
Cover for your motorhome if it's damaged by fire, stolen, or damaged during an attempted theft.
Fire and theft
Fire and 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
Damage by an uninsured third partyUp 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
Claims that were not your 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 costsUp to $1,000
Road clearing costsUp 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
Towing and temporary storage
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 costsUp to $500
Transport costsUp to $250
Natural disaster damage 
If your motorhome is damaged in a natural disaster, we'll pay for the repairs.
Natural disaster damage
Natural disaster damage
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
Repair guarantee
Keys and locks 
We’ll pay to replace your remote or keys and replace or re-code the lock if they're lost, stolen or illegally duplicated.
Keys and locks
Keys and locks
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
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
No claims bonus
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 modificationsOptional, $2,000 or $5,000
Accessories and modificationsOptional, $2000 or $5000
Motorhome contents 
We’ll pay for loss to your contents that are permanently stored in, or have been expressly purchased for, your motorhome.
Motorhome contentsOptional up to $5,000
Motorhome contentsOptional up to $5,000
Policy wording
Download Policy wording
Download Policy wording
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More products from us

Save up to 20% with our multi-policy discount.*

Motorhome insurance FAQs

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.

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.

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

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

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

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

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.

* Multi-policy discount Ts&Cs apply.