Welcome to Tower

We're excited to offer great value cover for the things you love.

Great value insurance with added benefits

Multi-policy discount
Multi-policy discount 

Thanks to our multi-policy discount, you’ll save up to 20%* when you buy multiple Tower policies.
Airpoints Dollars™
Airpoints logo 

Earn Airpoints Dollars on eligible policies.
Here when you need us most
One event, one excess 

Our policies are designed to really look out for you, with lots of helpful benefits like replacement keys and temporary accommodation.

Frequently Asked Questions for Youi customers

These Frequently Asked Questions (FAQs) are here to help guide you through the change.

Youi’s decision to leave the New Zealand market gave Tower an opportunity to offer more people a great value Kiwi option for their insurance. As a challenger to the big insurers, we are always looking for new and simple ways to offer customers great value cover for the things they love.

Born and bred in New Zealand, Tower has been supporting Kiwis when they need it most for 150 years. In that time, we’ve grown to operate across New Zealand and the Pacific Islands, providing our customers with cover for their houses, cars, contents, businesses and more.

While our heritage is important to us, we’ve also set our sights on the future. Our goal is to meet the 21st century head-on with customer focussed, digital-first insurance solutions for Kiwis and their communities. Why? Because we believe that you deserve better.

Your current Youi policy will continue with the same benefits and cover until your policy renewal date when most policies will automatically move to a similar Tower Insurance policy. If Tower does not have an appropriate policy for you we may refer you to one of our trusted partners to assist you in setting up alternative cover. We'll be in touch at least four weeks before your insurance is due to renew with the details so there is nothing you need to do until then.

Yes, you are. There is no change to your existing Youi policy coverage or ability to make a claim until your renewal.

No. Because Youi has decided to leave the New Zealand market from 31 December 2019, Youi insurance policies will no longer be available.

You don’t need to do anything. You remain covered by your Youi policy until your renewal and we’ll be in touch at least four weeks before your insurance is due to renew. In most cases we'll contact you with a renewal pack, letting you know about your new Tower policy and the benefits we'll offer you.

Yes, you will keep your insurance history. Your records and payment method will be securely transferred to Tower.

Yes. Your Youi policy will no longer be available so at renewal your cover may change to the latest available Tower policy that is the most similar to your Youi policy. There will be some changes and new benefits to your cover under a Tower policy. If Tower does not have an appropriate policy for you we may refer you to one of our trusted partners to assist you in setting up alternative cover.

For policies with a renewal date on or before 16 February 2020, you will have already received your renewal documents from Youi for your next period of insurance, and you will continue with the benefits and cover outlined in those renewal documents, until your next renewal date. For policies due to renew on and from 17 February 2020, Tower will be in touch about your insurance.

We know how important the cost of premiums are, and we’re working hard to provide you with cost effective insurance options that suit your situation.

Call Tower on 0800 009 684 and your change will be managed by a member of a dedicated team just for Youi customers. This team will include existing Youi staff members who you know and trust.

A dedicated Tower team will be taking over managing claims that have been lodged with Youi and still underway. To talk to our team about your claim, just call them on 0800 009 684. This team will include Youi staff members who you know and trust.

To make a claim on your Youi policy, fill out the online form or call the team on 0800 009 684. The usual terms and conditions of your policy apply, but you'll have a dedicated team here at Tower managing your claim.

Yes, you will be able to check and make changes to your policy as usual until your renewal date. After this, if you have a Tower policy you'll be able to use the My Tower self service portal to check your Tower policy. We will let you know how to register for My Tower when your policy renews.

No, there is no need for you to do anything. Your payments will continue as usual.  With Tower, you’ll automatically be set up to pay in exactly the same way as you did with Youi, using the same bank account number or credit card number. The only change you’ll notice once with Tower is that your statement will have ‘Tower’ in the reference field. Until then, the reference field will still show ‘Youi’.

If you receive an offer from Tower, you’ll have 28 days to pay your premium from the day you receive your Tower offer, to make sure you stay covered. This might be different from the way Youi operates. The due date will be clearly stated in the email you receive from Tower.

Tower offers a range of house and contents policies, giving you the flexibility to combine any House Cover (Premium, Plus, Standard) with any Contents Cover (Premium, Plus, Standard). If you have House and Contents cover with Tower these will be two separate policies with different policy numbers and you’ll receive renewal and other documents for each one.

Yes. Tower uses risk-based pricing to calculate your premium. This means we take into account risks that are specific to your policy when calculating the premium for your house, contents or car. We believe this is the fairest way to determine the cost of insurance.

For example, when calculating the house and contents premium for a property, we take into account the specific earthquake risk at your address. If you live in a low-risk home, you won’t be subsidising the cost for people in higher-risk homes.

We’ll be working hard to ensure we correctly identify the number of policies you have with Youi, as well as any policies you may have with Tower, so that you can get the right multi-policy discount on any policies that move to Tower. When some of the information we have is a bit different (we might have a different email address or phone number to your other policies), we won't always know with certainty that you are the same person. You'll be able to check My Tower to make sure we have grouped all of your policies under the same customer record. If there are any we've missed, it's an easy fix via web chat or email to ensure you're getting the right discounts.

What our customers say

* Excludes travel, commercial vehicle, business and some cover under rural policies, GST, government levies and some optional special benefits. Discount varies depending on the total number and type of policies with Tower. All policies are subject to Tower Insurance Limited's normal underwriting criteria.