We are one of the oldest and most respected names in insurance in the country and we have taken great pride in providing our customers a truly professional service for more than 120 years.

With our long term involvement in Fiji we are in a position to understand your needs. We have the level of expertise and experience, plus the financial security to ensure those needs are fully met.

The new Tower Insurance range of Premier house Policies is designed to meet your needs and circumstances whatever they may be.

This Premier range has been designed with you in mind and offers a choice of 3 different levels of contents cover.

• Premier Executive
• Super Thrifti Protection
• Basic Thrifti Protection

Regardless of your needs, each level of cover is designed to protect your best interests.

• REPLACEMENT OF FURNITURE AND FURNISHINGS
We will replace or repair your furniture, furnishings and home appliances that are under 10 years old.

• $10,000 TEMPORARY ACCOMMODATION EXPENSES
If you suffer loss and your home is temporarily uninhabitable, we will pay for reasonable accommodation, up to $10,000 over and above your sum insured.

• REIMBURSEMENT FOR LOSS OF MONEY
Money and negotiable securities or documents are covered up to a total of $1,000.

• $1,000 CREDIT CARD FRAUD
We provide cover up to $1,000 if your credit cards are stolen and used fraudulently, and you cannot reasonably recover that loss from someone else.

• $1,000 GRADUAL DAMAGE BENEFIT
If your contents suffer damage through gradual deterioration as aresult of a leaking internal water or waste disposal pipe, then we will pay up to $1,000 to repair the resulting damage.

• $500 COMPENSATION FOR FROZEN FOOD DETERIORATION
If your refigeration equipment fails, leaving your food inedible, we will cover the cost of your lost frozen foods up to $500.

• $500,000 PERSON LIABILITY PROTECTION
We will pay up to $500,000 for your legal liability resulting from accidents occuring anywhere in Fiji.

CONTENTS INSURANCE
Unlike Executive Protection, Super Thrifti Protection is a restricted type of cover which still provides surprisingly broad protection at a reasonable price.

Although Super Thrifti Portection is a restricted type of cover it still provides surprisingly broad protection at a reasonable price. When it comes to contents cover, Super Thrifti gives you a lot of reassurance for your money.

For instance, it covers your contents against sudden and accidental loss or damage caused by the most common events including fire, explosion and lightning.

It also covers your contents against burglary or malicious damage, plus damage caused by riot or strikes, damage from fallen trees or branches, impact by vehicles, water damage from water or cooling systems, also breakage of glass and bathroom or toilet fixtures - up to the sum insured.

• SPECIFIED ITEMS
Jewellery, watches, photographic or video equipment valued over $300 needs to be specified.

Specified jewellery, excluding watches, is covered for replacement value.

Basic Thrifti Protection provides you with the most basic level of contents insurance for the lowests level of premiums.

Although this cover is more limited than both “Executive” and “Super Thrifti” it still provides you with basic protection. If you choose basic Thrifti Protection your contents are covered against fire,
lightning, explosion, or water leakage from any water or cooling system.It also gives protection against riot, strikes or malicious damage and impact damage by vehicles, aircraft or animals - up to the sum insured.

• SPECIFIED ITEMS
Jewellry, watches, photographic and video equipment calued over $300 needs to be specified.

• CYCLONE
This option means your contents are insured for damage as a result of gale, wind-storm, hurricane or cyclone.

• EARTHQUAKE, VOLCANIC ERUPTION AND TSUNAMI
This option means your property is insured against loss or damage caused by earthquake, volcanic eruption, subterranean fire or tsunami.

• REPLACEMENT OF FURNITURE AND FURNISHINGS
We will replace or repair your furniture, furnishings and home appliances under five years old.

• $500 COMPENSATION FOR FROZEN FOOD DETERIORATION
If your refigeration equipment fails, leaving your food inedible, we will cover the cost of your lost frozen foods up to $500.

• TEMPORARY ACCOMMODATION EXPENSES
If suffer loss and your home is temporarily uninhabitable, we will pay for reasonable accommodation, up to $5,000, over and above your sum insured.

• $250,000 PERSON LIABILITY PROTECTION
We will pay up to $250,000 for your legal liability resulting from accidents occuring anywhere in Fiji.

YOU CAN CHOOSE TO PAY:

Annually by cash or cheque
Quarterly
Half Yearly

Tower Insurance rewards you with discounts in more ways than one. We recognise that some people make fewer claims or take greater care of their property so Tower rewards you with these following discounts.

• NO CLAIMS DISCOUNT
If you haven’t claimed with us for 12 months or 3 years with your present company, you are eligible for a No Claims Discount.

• EXTRA DISCOUNT
We will pay you an Extra Discount after you have been claims free for another year, up to a maximum of 20%.

In order to lower your premium even further, you may volunteer to increase your excess. Ask us to give you quotes at different excess levels.

If you not completely satisfied with your policy, your premium will be refunded within 30 days of the commencement of your cover. (Certain conditions apply)