Key benefits

  • Furniture cover

    Replacement or repair of furniture, furnishings and home appliances under 5 years old.

  • Temporary accommodation cover

    Up to $10,000 for temporary accommodation costs.

  • Keys and locks cover

    Up to $500 for replacement keys and locks – with no excess to pay.

  • Frozen food deterioration

    Up to $500 frozen food deterioration cover.

  • Legal liability cover

    Up to $250,000 for your legal liability if an accident happens which causes loss or damage to other people’s property or injury to someone.

  • Personal items

    Up to $300 for any jewellery, watches, any item or set of photographic or video equipment (unless specified).

  • One event - one excess

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

This is a summary only. For a full outline of the policy terms, conditions and exclusions please read the policy wording (below) and the certificate of insurance.

Download policy (PDF, 75Kb)

Other motor policies:

Optional benefits

  • Earthquake cover

    Cover for your contents damaged by an earthquake, volcanic eruption, geothermal or hydrothermal activity or tsunami.

  • Gale, windstorm, hurricane, cyclone cover

    Provides cover for loss and damage due to gale, windstorm, hurricane or cyclone (special conditions apply).

  • Personal effects cover

    Cover for your personal effects anywhere in Fiji.

  • Domestic employee's liability cover

    Up to $250,000 for your legal liability for domestic employees.