Compare our third party, fire and theft car insurance

Tower's third party, fire and theft car insurance provides cover for the fire or theft of your vehicle, as well as cover for damage your car causes to other people's property. 

Save up to 20% with our multi-policy discount

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.

One event, one excess

One event one excess

If one event means you need to claim on multiple Tower car, home and contents policies, you’ll only need to pay one excess. It’s the highest excess that will apply.

Lighthouse

Replacement and additional cars

If you replace your vehicle or buy a new one, we'll automatically cover the new or replacement vehicle for 14 days.

Award winning insurance

We're award-winning

We're thrilled to have won General Insurer of the Year 2022 at the NZ Insurance Business Awards.

Our third party, fire and theft car insurance policy includes

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.

Third party, fire and theft

Damage by an uninsured vehicle 

Up to $4,000

We'll repair 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 repair your car if you can identify the person at fault and the fault was more than 50% theirs.
Damage by an uninsured vehicle
We'll repair 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 repair your car if you can identify the person at fault and the fault was more than 50% theirs.
Up to $4,000
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
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.
Claims that were not your fault 
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 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.
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.
Fire damage and theft 
We’ll cover your car if it’s damaged by fire, stolen or someone attempted to steal it.
Fire damage and theft
We’ll cover your car if it’s damaged by fire, stolen or someone attempted to steal it.
Natural disasters 
We’ll pay for natural disaster damage to your car during theperiod of insurance.
Natural disasters
We’ll pay for natural disaster damage to your car during theperiod of insurance.
Repair guarantee 
If you use one of our Tower Repair Partners for your car claim, we’ll guarantee the repairs for as long as you own the car.
Repair guarantee
If you use one of our Tower Repair Partners for your car claim, we’ll guarantee the repairs for as long as you own the car.
Replacement and additional cars 
If you replace your car or buy a new one, we’ll automatically cover it for 14 days. If you paid more than $125,000 for the car, this benefit doesn’t apply, so please call us to arrange insurance before you purchase the replacement car.
Replacement and additional cars
If you replace your car or buy a new one, we’ll automatically cover it for 14 days. If you paid more than $125,000 for the car, this benefit doesn’t apply, so please call us to arrange insurance before you purchase the replacement car.
Child car seats 

Up to $500

Cover for child car seats if they’re damaged in a car accident, or while they’re stored at home.
Child car seats
Cover for child car seats if they’re damaged in a car accident, or while they’re stored at home.
Up to $500
Transport costs 

Up to $250

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
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 $250
Lost or stolen keys 
We'll help replace keys and locks if yours are stolen, lost, or illegally copied, and you won't need to pay an excess.
Lost or stolen keys
We'll help replace keys and locks if yours are stolen, lost, or illegally copied, and you won't need to pay an excess.
Two year replacement from new 
We'll replace your car with a new car of the same make, model and variant, (for example a Toyota Corolla GX) subject to current availability if your car becomes a total loss.
Two year replacement from new
We'll replace your car with a new car of the same make, model and variant, (for example a Toyota Corolla GX) subject to current availability if your car becomes a total loss.
Pay only one excess 
Pay only one excess
OPTIONAL BENEFITS 
OPTIONAL BENEFITS
RoadWise® roadside assistance 
Our 24/7 roadside assistance service covers the car, not the person, so anyone driving the car can use it across NZ. It includes three free call-outs per year. Learn more
RoadWise® roadside assistance
Our 24/7 roadside assistance service covers the car, not the person, so anyone driving the car can use it across NZ. It includes three free call-outs per year. Learn more
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 

Up to $750

If your car is stolen or undriveable after an accident, we’ll cover the cost of hiring and insuring a similar car.
Rental car
If your car is stolen or undriveable after an accident, we’ll cover the cost of hiring and insuring a similar car.
Up to $750
Get a quote

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.

RoadWise roadside assistance 

Info, ideas and inspiration

Tips on protecting the things that matter the most to you.

How to save money on your insurance

You’ve found insurance cover, and now you want to make sure you’re getting the best deal. Here are things to consider that could save you money.

What to do in a car accident

Unfortunately, car accidents happen and getting into one can be terrifying. Here are some helpful tips on what you can do if you’re in an accident.

Choosing an electric vs hybrid car

Trying to decide whether to buy an electric or hybrid car? We’ve put together a handy guide to help you choose which one is right for you.
Read more car articles

Car insurance FAQs

What's the difference between market value and agreed value?

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.

Learn more about market vs. agreed value

Am I covered for business use?

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.

Learn more about Commercial Vehicle insurance

What if my windscreen is damaged?

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.

Is my car covered if it breaks down?

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.

Learn more about RoadWise® roadside assistance

Do you cover drivers on a learners licence or restricted licence?

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

Am I insured to be an Uber driver?

No, neither our commercial or private policies cover rideshare and carshare services like Uber, Ola, Zoomy, and Yourdrive.

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

How do I make a car insurance 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.

Learn more about car and motor vehicle claims

Got a minute?

Get a quote