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Commercial vehicle insurance

Use your vehicle for business and need insurance? It's easy to get a free quote online.

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Compare our commercial vehicle insurance

Whether it's a car, van, ute or trailer you need cover for, our comprehensive and third party policies can meet your needs and budget. If you’re unsure of what the best commercial vehicle insurance is for you, check out our buyers guide. 

Award winning insurance

We're award-winning

We're thrilled to have won Canstar's Car Insurer of the Year and Outstanding Value Car Insurance 2021-2022 in New Zealand, and General Insurer of the Year 2022 at the NZ Insurance Business Awards.

Dedicated to the Pacific

Dedicated to the Pacific

Starting in New Zealand, Tower now care for seven other countries across the Pacific too - with local teams ready to help when you need it.

Collision cover

Collision cover

Our comprehensive insurance covers your car for accidental loss or damage.

Lighthouse

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 commercial vehicle insurance policies include

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

Collision cover
Collision cover
Lesser of market value or sum insured
Collision cover
We'll cover your car if it's damaged by fire, stolen or someone else attempted to steal it.
Fire and theft cover
Fire and theft cover
We'll cover your car if it's damaged by fire, stolen or someone else attempted to steal it.
Lesser of market value or sum insured
Fire and theft cover
We'll cover your car if it's damaged by fire, stolen or someone else attempted to steal it.
Accidents caused by an uninsured third party
Accidents caused by an uninsured third party
Lesser of market value or sum insured
Accidents caused by an uninsured third party
Lesser of market value or TOP3,000
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
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.
We’ll pay for the necessary modifications to your vehicle, or your employee’s vehicle, if you or one of your employees becomes permanently disabled. That disability must directly result from a loss covered under this policy.
Disability modifications
Disability modifications
We’ll pay for the necessary modifications to your vehicle, or your employee’s vehicle, if you or one of your employees becomes permanently disabled. That disability must directly result from a loss covered under this policy.
Up to TOP5,000
Disability modifications
We’ll pay for the necessary modifications to your vehicle, or your employee’s vehicle, if you or one of your employees becomes permanently disabled. That disability must directly result from a loss covered under this policy.
We’ll pay for express freight and overtime to expedite repairs to your vehicle as a result of loss.
Expediting expenses
Expediting expenses
We’ll pay for express freight and overtime to expedite repairs to your vehicle as a result of loss.
Expediting expenses
We’ll pay for express freight and overtime to expedite repairs to your vehicle as a result of loss.
We’ll pay for loss to your business assets being carried in or on your vehicle when that vehicle suffers loss caused by: 1. fire 2. collision 3. overturning 4. impact.
Goods in transit
Goods in transit
We’ll pay for loss to your business assets being carried in or on your vehicle when that vehicle suffers loss caused by: 1. fire 2. collision 3. overturning 4. impact.
Up to TOP5,000
Goods in transit
We’ll pay for loss to your business assets being carried in or on your vehicle when that vehicle suffers loss caused by: 1. fire 2. collision 3. overturning 4. impact.
We’ll pay to replace your vehicle remote, keys, entry card or key codes and replace or re-code the locks if during the period of insurance: 1. they’re lost 2. they’re stolen 3. you’ve reasonable grounds to believe they have been illegally duplicated without your permission 4. you’ve reasonable grounds to believe that the combination number or electronic key codes may have become known to someone else without your permission.
Keys and locks lost or stolen
Keys and locks lost or stolen
We’ll pay to replace your vehicle remote, keys, entry card or key codes and replace or re-code the locks if during the period of insurance: 1. they’re lost 2. they’re stolen 3. you’ve reasonable grounds to believe they have been illegally duplicated without your permission 4. you’ve reasonable grounds to believe that the combination number or electronic key codes may have become known to someone else without your permission.
Up to TOP1,000
Keys and locks lost or stolen
We’ll pay to replace your vehicle remote, keys, entry card or key codes and replace or re-code the locks if during the period of insurance: 1. they’re lost 2. they’re stolen 3. you’ve reasonable grounds to believe they have been illegally duplicated without your permission 4. you’ve reasonable grounds to believe that the combination number or electronic key codes may have become known to someone else without your permission.
We’ll pay for natural disaster damage to your vehicle during the period of insurance.
Natural disaster damage
Natural disaster damage
We’ll pay for natural disaster damage to your vehicle during the period of insurance.
Natural disaster damage
We’ll pay for natural disaster damage to your vehicle during the period of insurance.
If you’re eligible for a no claims bonus, we’ll adjust your premium to reflect this. Your premium may still increase at renewal for other reasons even though you receive a no claims bonus.
No claims bonus
No claims bonus
If you’re eligible for a no claims bonus, we’ll adjust your premium to reflect this. Your premium may still increase at renewal for other reasons even though you receive a no claims bonus.
No claims bonus
If you’re eligible for a no claims bonus, we’ll adjust your premium to reflect this. Your premium may still increase at renewal for other reasons even though you receive a no claims bonus.
You’ll only have to pay one excess if we insure more than one of your vehicles or business assets and we accept more than one claim from the same event. The excess that you pay will be the higher of those excesses. You’re only covered under this benefit if you have Comprehensive cover.
One event one excess
One event one excess
You’ll only have to pay one excess if we insure more than one of your vehicles or business assets and we accept more than one claim from the same event. The excess that you pay will be the higher of those excesses. You’re only covered under this benefit if you have Comprehensive cover.
One event one excess
You’ll only have to pay one excess if we insure more than one of your vehicles or business assets and we accept more than one claim from the same event. The excess that you pay will be the higher of those excesses. You’re only covered under this benefit if you have Comprehensive cover.
If we insure your vehicle, we’ll cover any vehicle you purchase: 1. to replace your vehicle insured under this policy 2. in addition to your vehicle insured under this policy. We’ll insure the replacement or additional vehicle from the date you purchase it under the same terms and conditions as we insure your existing vehicle.
Replacement and additional vehicles
Replacement and additional vehicles
If we insure your vehicle, we’ll cover any vehicle you purchase: 1. to replace your vehicle insured under this policy 2. in addition to your vehicle insured under this policy. We’ll insure the replacement or additional vehicle from the date you purchase it under the same terms and conditions as we insure your existing vehicle.
Replacement and additional vehicles
If we insure your vehicle, we’ll cover any vehicle you purchase: 1. to replace your vehicle insured under this policy 2. in addition to your vehicle insured under this policy. We’ll insure the replacement or additional vehicle from the date you purchase it under the same terms and conditions as we insure your existing vehicle.
We’ll pay for loss to your vehicle caused by riot, strike or civil commotion.
Riot, strike, civil commotion
Riot, strike, civil commotion
We’ll pay for loss to your vehicle caused by riot, strike or civil commotion.
Riot, strike, civil commotion
We’ll pay for loss to your vehicle caused by riot, strike or civil commotion.
We’ll pay for the costs incurred in salvaging any load carried by your vehicle spilled onto a road, carriageway or parking area following a loss to your vehicle and we’ve accepted your claim.
Road clearing and salvage costs
Road clearing and salvage costs
We’ll pay for the costs incurred in salvaging any load carried by your vehicle spilled onto a road, carriageway or parking area following a loss to your vehicle and we’ve accepted your claim.
Up to TOP5,000
Road clearing and salvage costs
We’ll pay for the costs incurred in salvaging any load carried by your vehicle spilled onto a road, carriageway or parking area following a loss to your vehicle and we’ve accepted your claim.
We’ll pay for loss to signwriting on your vehicle that happens at the same time as other loss to your vehicle and we’ve accepted your claim.
Signwriting
Signwriting
We’ll pay for loss to signwriting on your vehicle that happens at the same time as other loss to your vehicle and we’ve accepted your claim.
Up to TOP1,000
Signwriting
We’ll pay for loss to signwriting on your vehicle that happens at the same time as other loss to your vehicle and we’ve accepted your claim.
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 costs
Towing costs
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 costs
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.
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
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.
Up to TOP500
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.
Where certain activities involving your vehicle would invalidate your policy, we’ll continue to provide cover. We’ll pay for loss when your vehicle is used or driven in circumstances that the following policy sections would usually mean there was no cover.
Vehicle misuse protection
Vehicle misuse protection
Where certain activities involving your vehicle would invalidate your policy, we’ll continue to provide cover. We’ll pay for loss when your vehicle is used or driven in circumstances that the following policy sections would usually mean there was no cover.
Vehicle misuse protection
Where certain activities involving your vehicle would invalidate your policy, we’ll continue to provide cover. We’ll pay for loss when your vehicle is used or driven in circumstances that the following policy sections would usually mean there was no cover.
OPTIONAL BENEFITS
OPTIONAL BENEFITS
OPTIONAL BENEFITS
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
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.
Up to TOP5,000
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.
We’ll pay for loss to signwriting on your vehicle that happens at the same time as other loss to your vehicle and we’ve accepted your claim.
Additional signwriting cover
Additional signwriting cover
We’ll pay for loss to signwriting on your vehicle that happens at the same time as other loss to your vehicle and we’ve accepted your claim.
Up to TOP10,000
Additional signwriting cover
We’ll pay for loss to signwriting on your vehicle that happens at the same time as other loss to your vehicle and we’ve accepted your claim.
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 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.
If your car is stolen or undrivable after an accident, we'll cover the cost of hiring and insuring a similar car.
Rental vehicle
Rental vehicle
If your car is stolen or undrivable after an accident, we'll cover the cost of hiring and insuring a similar car.
Up to TOP2,500
Rental vehicle
If your car is stolen or undrivable after an accident, we'll cover the cost of hiring and insuring a similar car.
Policy wording
Download Policy wording
Download Policy wording
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Commercial vehicle insurance FAQs

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What if my windscreen is damaged?  

Windscreen and window glass are automatically covered under our Comprehensive commercial car policy. 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.

What if my vehicle has a high risk of theft?

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
Do you cover drivers on learners and restricted licences?

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

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

How do I make a claim?

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. Find out how to make a claim.

Important information: Tower commercial vehicle policies are underwritten by National Pacific Insurance (Tonga) Limited trading as Tower Insurance.

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