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From third party to comprehensive, we've got cover to meet your needs and budget. If you’re unsure of what the best car insurance is for you, check out our car insurance buyers guide.
We're award-winning
We're thrilled to have won General Insurer of the Year 2022 at the NZ Insurance Business Awards.
Save up to 20% with our multi-policy discount
Buy multiple car, house or contents policies and save up to 20%. Ts&Cs apply.
Collision cover
Our comprehensive insurance covers your car for accidental loss or damage.
Lost or stolen keys? Replaced excess free
We’ll replace keys or remotes if they’re lost, stolen or you think they’ve been illegally duplicated, excess free for your first claim.
Our car insurance policies include
This is a summary only. For all of those 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
Third party
Most popular
Most popular
Most popular
Collision cover
We’ll cover your car for accidental loss or damage.
Collision cover
We’ll cover your car for accidental loss or damage.
Collision cover
We’ll cover your car for accidental loss or damage.
Collision cover
We’ll cover your car for accidental loss or damage.
Fire damage and theft
We'll cover your car if it's damaged by fire, stolen or someone else attempted to steal it.
Fire damage and theft
We'll cover your car if it's damaged by fire, stolen or someone else attempted to steal it.
Fire damage and theft
We'll cover your car if it's damaged by fire, stolen or someone else attempted to steal it.
Fire damage and theft
We'll cover your car if it's damaged by fire, stolen or someone else attempted to steal it.
Damaged by an uninsured vehicle
We'll cover your car if it's damaged by an uninsured vehicle for comprehensive covers. For third party fire and theft and third party covers we'll cover your car up to TOP3,000 if you can identify the person at fault and the fault was at least 50% theirs.
Damaged by an uninsured vehicle
We'll cover your car if it's damaged by an uninsured vehicle for comprehensive covers. For third party fire and theft and third party covers we'll cover your car up to TOP3,000 if you can identify the person at fault and the fault was at least 50% theirs.
Damaged by an uninsured vehicle
We'll cover your car if it's damaged by an uninsured vehicle for comprehensive covers. For third party fire and theft and third party covers we'll cover your car up to TOP3,000 if you can identify the person at fault and the fault was at least 50% theirs.
Damaged by an uninsured vehicle
We'll cover your car if it's damaged by an uninsured vehicle for comprehensive covers. For third party fire and theft and third party covers we'll cover your car up to TOP3,000 if you can identify the person at fault and the fault was at least 50% theirs.
Damaging someone else’s car or other property
If you're in an accident and you cause damage to someone else's car or property, we'll cover you for your legal liability to repair it.
Damaging someone else’s car or other property
Up to TOP100,000If you're in an accident and you cause damage to someone else's car or property, we'll cover you for your legal liability to repair it.
Damaging someone else’s car or other property
Up to TOP100,000If you're in an accident and you cause damage to someone else's car or property, we'll cover you for your legal liability to repair it.
Damaging someone else’s car or other property
Up to TOP100,000If you're in an accident and you cause damage to someone else's car or property, we'll cover you for your legal liability to repair it.
Marine loss
Covers your share of any marine loss costs when your car is on board a ship.
Marine loss
Covers your share of any marine loss costs when your car is on board a ship.
Marine loss
Covers your share of any marine loss costs when your car is on board a ship.
Marine loss
Covers your share of any marine loss costs when your car is on board a ship.
Claims that were not your fault
You'll keep your no claims bonus and we'll repair you car if it's damaged by and uninsured vehicle, if you can identify the person at fault and the fault was at least 50% theirs.
Claims that were not your fault
You'll keep your no claims bonus and we'll repair you car if it's damaged by and uninsured vehicle, if you can identify the person at fault and the fault was at least 50% theirs.
Claims that were not your fault
You'll keep your no claims bonus and we'll repair you car if it's damaged by and uninsured vehicle, if you can identify the person at fault and the fault was at least 50% theirs.
Claims that were not your fault
You'll keep your no claims bonus and we'll repair you car if it's damaged by and uninsured vehicle, if you can identify the person at fault and the fault was at least 50% theirs.
Towing
We'll pay for removing your car to the nearest repairer or place of safety if it can't be driven after a loss covered under this policy.
Towing
We'll pay for removing your car to the nearest repairer or place of safety if it can't be driven after a loss covered under this policy.
Towing
We'll pay for removing your car to the nearest repairer or place of safety if it can't be driven after a loss covered under this policy.
Towing
We'll pay for removing your car to the nearest repairer or place of safety if it can't be driven after a loss covered under this policy.
Natural disaster damage
We’ll pay for natural disaster damage to your car during the period of insurance.
Natural disaster damage
We’ll pay for natural disaster damage to your car during the period of insurance.
Natural disaster damage
We’ll pay for natural disaster damage to your car during the period of insurance.
Natural disaster damage
We’ll pay for natural disaster damage to your car during the period of insurance.
Replacement and additional cars
If you replace your car or buy a new one, we’ll automatically cover it for 14 days.
Replacement and additional cars
If you replace your car or buy a new one, we’ll automatically cover it for 14 days.
Replacement and additional cars
If you replace your car or buy a new one, we’ll automatically cover it for 14 days.
Replacement and additional cars
If you replace your car or buy a new one, we’ll automatically cover it for 14 days.
Transport costs
We'll cover your travel and accommodation expenses to complete your journey or return home after an accident, or if your vehicle is stolen.
Transport costs
Up to TOP500We'll cover your travel and accommodation expenses to complete your journey or return home after an accident, or if your vehicle is stolen.
Transport costs
Up to TOP250We'll cover your travel and accommodation expenses to complete your journey or return home after an accident, or if your vehicle 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 vehicle is stolen.
Lost or stolen keys
We'll replace your keys or remotes 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.
Lost or stolen keys
Up to TOP500We'll replace your keys or remotes 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.
Lost or stolen keys
We'll replace your keys or remotes 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.
Lost or stolen keys
We'll replace your keys or remotes 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.
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 when claiming on multiple policies for a single incident at the same address.
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 when claiming on multiple policies for a single incident at the same address.
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
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
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
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.
OPTIONAL BENEFITS
OPTIONAL BENEFITS
OPTIONAL BENEFITS
OPTIONAL BENEFITS
No cover for under 25 year old drivers
If you’ve chosen this optional benefit, you’ve agreed that your car is not insured while it is being driven by or under the care or control of anyone under 25 years old. You’ll receive a premium discount.
No cover for under 25 year old drivers
If you’ve chosen this optional benefit, you’ve agreed that your car is not insured while it is being driven by or under the care or control of anyone under 25 years old. You’ll receive a premium discount.
No cover for under 25 year old drivers
If you’ve chosen this optional benefit, you’ve agreed that your car is not insured while it is being driven by or under the care or control of anyone under 25 years old. You’ll receive a premium discount.
No cover for under 25 year old drivers
If you’ve chosen this optional benefit, you’ve agreed that your car is not insured while it is being driven by or under the care or control of anyone under 25 years old. You’ll receive a premium discount.
Accessories and modifications
We’ll cover loss to your accessories and modifications that are installed in or on your car so long as we’ve accepted your claim for the loss to your car. We also cover loss to your accessories if that loss occurs while they are stored at home.
Accessories and modifications
We’ll cover loss to your accessories and modifications that are installed in or on your car so long as we’ve accepted your claim for the loss to your car. We also cover loss to your accessories if that loss occurs while they are stored at home.
Accessories and modifications
We’ll cover loss to your accessories and modifications that are installed in or on your car so long as we’ve accepted your claim for the loss to your car. We also cover loss to your accessories if that loss occurs while they are stored at home.
Accessories and modifications
We’ll cover loss to your accessories and modifications that are installed in or on your car so long as we’ve accepted your claim for the loss to your car. We also cover loss to your accessories if that loss occurs while they are stored at home.
Windscreen excess buyout
Windscreen and window glass are automatically covered, but if you choose this benefit, you won't have to pay any excess for any windscreen claims.
Windscreen excess buyout
Windscreen and window glass are automatically covered, but if you choose this benefit, you won't have to pay any excess for any windscreen claims.
Windscreen excess buyout
Windscreen and window glass are automatically covered, but if you choose this benefit, you won't have to pay any excess for any windscreen claims.
Windscreen excess buyout
Windscreen and window glass are automatically covered, but if you choose this benefit, you won't have to pay any excess for any windscreen claims.
Rental car
If your car is stolen or undrivable after an accident, we'll cover the cost of hiring and insuring a similar car.
Rental car
Up to TOP2,000If your car is stolen or undrivable after an accident, we'll cover the cost of hiring and insuring a similar car.
Rental car
Up to TOP500If your car is stolen or undrivable after an accident, we'll cover the cost of hiring and insuring a similar car.
Rental car
If your car is stolen or undrivable after an accident, we'll cover the cost of hiring and insuring a similar car.
Car insurance FAQs
Our private car policies cover you for driving to work, but won't cover using your car for work. Our Commercial vehicle insurance might be right for you if you:
- are an on-road salesperson
- are a tradesperson with a vehicle for work
- have a company car provided by your employer as a staff benefit
If your insured vehicle is deemed by us to have a high risk of theft, an additional excess of TOP250 applies to claims for theft of this vehicle. We won't apply this additional excess if you can provide satisfactory proof that the vehicle was fitted with a functioning alarm system at the time of the loss.
Vehicles that are high risk of theft are:
- Mazda Demio
- Mazda Atenza
- Toyota Aqua
- Toyota Mark X
- Nissan Tiida
Your windscreen and window glass is automatically covered under our Comprehensive and Third party fire & theft policies. If you ever need to make a claim for windscreen damage, just call us on +676 24 066 and we'll get it sorted.
You can also add our windscreen excess buyout benefit when you take out the policy and you won't pay an excess if you claim or lose your no-claims bonus.
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 car 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. Car and motor vehicle claims
Important information: Tower car policies are underwritten by National Pacific Insurance (Tonga) Limited trading as Tower Insurance.