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Car insurance

We’re all likely to need car insurance at some point in our lives. TOWER car insurance provides you with cover if your vehicle suffers sudden and unforeseen accidental physical loss or damage.
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TOWER's car insurance provides cover for sudden accidental loss or damage. Moreover, you can be covered for up to $25 million for your legal liability for damage caused by your car to other people’s property. You can tailor your motor vehicle insurance to suit you, paying for only the extra benefits you want included. For example if you don’t need cover for under 25 year old drivers, you can exclude them and save money on your premium straight away. TOWER's car insurance covers your vehicle for its market value but you can choose to select cover for an agreed value if you prefer. TOWER can also offer a Third Party, Fire and Theft solution.

Save with package discounts

When you insure your car, house and contents with TOWER, you can save up to 20% on your premiums with their package discounts.

One excess for everything

If your car, house or contents are damaged in the same incident (e.g. flood or fire) and they are all insured with TOWER, you’ll only have to pay one excess.

No Claims Bonus

If you go one year without making a claim with TOWER or another insurer, you’ll receive a discount on your premiums for the following year. This means TOWER will also honour your no claims bonus status if you transfer your policy from another company. If some of your insured assets or belongings suffer damage, then you can rest assured that you can easily lodge a claim over the phone. TOWER settles most straightforward minor claims within 48 hours, and even has 24/7 emergency claims service and a worldwide helpline for travel insurance claimants, so help is never far away.

Apply now – hassle free

You can easily apply for insurance online 24/7. Just click on “get a quote”, give us your details and one of TOWER’S representatives will call you within 24 hours to discuss your needs. You can apply over the phone without having to fill out any forms. Choose to arrange a direct debit from your bank account, pay directly by cheque or credit card or pay by EFTPOS, cheque or cash at any NZ PostShop.

You’ve worked hard for your assets, now protect them

TOWER are the local insurance experts, having operated in New Zealand for over 140 years. With experience like this, they've learned what people need from their insurance providers. You can choose from a broad range of market leading insurance products to ensure that your property and possessions are protected from damage and theft. They understand that your insurance needs may not be the same as everyone else’s, so most of their products can be tailored with optional benefits you can choose to add on by paying slightly more.