Compare our car insurance
Bought a new car or checking to see if you have the best cover? 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 buyer's guide.
Use your car for business and looking for commercial car insurance? Find out more.
Save up to 20% with our multi-policy discount
Buy multiple car, house, contents, landlord or boat policies and save up to 20%. Ts&Cs apply.
Tower repair partners
Need to make a claim? Get access to our Tower Repair Partners. A trusted network of high-calibre insurance repair specialists, who will do their best to prioritise you and get you back on the road, fast. Find out more.
Get RoadWise cover*
Buy a car policy and add RoadWise as an optional benefit, login to My Tower and add RoadWise to your policy under optional benefits or call 0800 379 372.
Two year replacement from new
With our Comprehensive policy, if you insure your car from new and it's written off within the first two years, we'll replace it with a new car of the same make, model and variant.
Lost or stolen keys? Replaced excess free
With our Comprehensive policy, 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.
We're award-winning
We're thrilled to have won General Insurer of the Year 2022 at the NZ Insurance Business Awards.
Tower's car insurance policies
Choose from one of our policies:
Comprehensive cover: This option covers accidental damage, as well as any damage your car causes to someone else’s vehicle or property.
Third party, fire and theft cover: This option also covers your vehicle against fire and being stolen, as well as damage your car causes to someone else’s vehicle or property.
Third party cover: This option pays for damage you cause to other people's car and property, but not your own.
This is a summary only. For all terms, conditions, limits and exclusions, please read the policy wording.
Comprehensive
Third party, fire and theft
Third party
Need roadside assistance?
If you're a RoadWise® member, call 0800 24 24 02 to speak to a skilled operator and simply quote your vehicle registration number.
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Tower Translates
We know insurance lingo can be a bit confusing. While our policies are WriteMark™ approved, we've put our heads together to explain some common terms.
If you're wondering what all that insurance lingo is all about, let’s unpack it.
![boy-car Car insurance translated](https://b2262927.smushcdn.com/2262927/wp-content/uploads/2022/08/car-tile.jpg?lossy=1&strip=1&webp=1)
![Desktop_-_EV_Image_+_Copy An electric vehicle charging](https://b2262927.smushcdn.com/2262927/wp-content/uploads/2023/03/Desktop_-_EV_Image__Copy.jpg?lossy=1&strip=1&webp=1)
Get cover for your EV, PHEV or Hybrid
Environmentally friendly cars dramatically reduce emissions. If you’re looking to insure your electric vehicle, look no further than Tower. Our car insurance policies cover all sorts of eco-friendly cars, from EV’s to PHEV’s and Hybrids.
Info, ideas and inspiration
Tips on protecting the things that matter the most to you.
Car insurance FAQs
With our Comprehensive car cover, customers can choose to insure their car for its market value or an agreed value. These decide how we settle a claim if the vehicle is written off or stolen.
- Market value is the amount your car is worth on the day it's damaged.
- Agreed value is an amount you and your insurer agree to cover your car for. This amount is locked in for a year when your policy renews.
Our private car policies cover you for driving to work but won't cover using your car for work. Our Commercial Vehicle insurance may be right for you if you're:
- an on-road salesperson
- a tradesperson.
Your windscreen and window glass are automatically covered under our Comprehensive policy and Third Party, Fire & Theft policy. If you ever need to make a claim for windscreen damage, just call us on 0800 379 372 and we'll get it sorted.
If you've got a cracked windscreen, Tower's chatbot Charlie can help you make a booking with Novus. Tell Charlie to "Start a windscreen claim" to book now.
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.
Our policies don't cover your car if it stops working due to a mechanical failure. However, you can add our 24-hour roadside assistance service, RoadWise®, to your policy, so if a breakdown happens help is just a phone call away.
We do, as long as they are driving inside the conditions of their licence.
No, neither our commercial or private policies cover rideshare and carshare services like Uber, Ola, Zoomy, and Yourdrive.
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 is 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.
*RoadWise may not be available for all car insurance policy types.
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