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