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Motor insurance

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  • Broad range of cover to protect your vehicle
  • Choose from three flexible levels of cover
  • Get a quote in one easy phone call.

Compare motor insurance options

 Premier
Executive Motor
Premier Super
Thrifti Motor
Compulsory Third
Party Motor
Base cover
Motor owners liability protection

Motor owners liability protection
Covers you for claims made against you for property damage as a result of accidents involving your vehicle or any vehicle you are using with the owners permission.

Up to $500,000Up to $100,000Up to $100,000
Special benefits
No Blame Bonus

No Blame Bonus
We will not charge you an excess or lower your no claims bonus if you have been involved in an accident and you have identified the other party and it is proven that they are at fault.

Completion of journey

Completion of journey
We’ll pay to get you home or allow you to complete your journey if you have an accident or if your vehicle is stolen and the claim is accepted. We will also pay reasonable costs to return your vehicle home after it has been repaired or recovered.

Up to $500
Fatal injury

Fatal injury
An amount we will pay your estate if you die as a result of an injury following an accident to your vehicle for which a claim is accepted.

$5,000 (Maximum of $10,000 during any one period of insurance)
Hire vehicle

Hire vehicle
If we accept your claim for a stolen or total loss vehicle, we will pay for you to hire a similar vehicle while you look to purchase a new one.


Up to $500 or seven days (whichever is less)
Medical expenses


Medical expenses
We’ll cover your medical or dental costs if you suffer injury following an accident in your vehicle.
Up to $600
One event - one excess

One event - one excess
If one event causes you to claim under two or more of your TOWER policies - such as your house, contents and vehicle, you will only have to pay one excess.

New vehicle

New vehicle
We'll replace your vehicle with a brand new one of the same make and model if yours becomes a total loss within its first year of registration, subject to current local availability.

No claims bonus protection

No claims bonus protection
You will not lose your no claims bonus if you make a claim, provided you have held full cover insurance with us for the last two years with no claims.


Replacement vehicle
Replacement vehicle
If you replace your vehicle we will cover the new vehicle for 30 days.
Road clearing costs

Road clearing costs
We’ll pay to remove debris from a road or parking area for which you are legally liable after an accident for which a claim is accepted.



Salvage costs

Salvage costs
If your vehicle can’t be driven due to an accident that we’ve accepted a claim for, we’ll pay the reasonable costs to remove it to the nearest repairer or place of safety.


Up to $1,000
Stolen keys (no excess)

Stolen keys (no excess)
We won’t charge an excess if your vehicle keys are stolen or illegally duplicated.

Up to $500
Windscreen and window glass (free of excess)

Windscreen and window glass (free of excess)
We’ll cover accidental breakage of your vehicles windscreen, window glass or sunroof and you won’t lose your no claims bonus.


Refer Optional Special Benefits
Legal expenses

Legal expenses
We’ll cover your legal defence costs if you are charged with causing death as a result of an accident with your vehicle.


Up to $1,200
Automatic uninsured motorist extension

Automatic uninsured motorist extension
If your vehicle is damaged by a vehicle that isn’t insured and you have the name, address, phone number, make, model and registration number of the other party and it is proven they are more than 50% at fault, we’ll pay for your repairs.

Automatically coveredAutomatically covered for Super Thrifti, up to $3,000 for Thrifti
Optional special benefits
Passenger risk

Passenger risk
We’ll cover your legal liability if you cause bodily injury to passengers in your vehicle.


Up to $500,000Up to $100,000
Rental vehicle

Rental vehicle
We’ll cover the cost of hiring and insuring a similar vehicle, if yours is unable to be driven, or repairs have commenced following an accident or theft of your vehicle.

Up to $2,000
Windscreen and window glass (free of excess)

Windscreen and window glass (free of excess)
We’ll cover accidental breakage of your vehicles windscreen, window glass or sunroof and you won’t lose your no claims bonus.

Automatically covered
Higher excess to reduce premium

Higher excess to reduce premium
You can choose a higher excess (to reduce premium).

Need more information?
Download the policy document

Download the policy document
For more information on each product download the policy document.

Download the Premier
Executive Motor policy document


Click here to download

Download the Premier
Super Thrifti Motor policy document


Click here to download

Download the Compulsory
Third Party Motor policy document


Click here to download

Motor insurance policies in detail

Premier Executive Motor Insurance

Premier Super Thrifti Motor Insurance

Compulsory Third Party Motor Insurance