Motor insurance

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 owner's permission.

Covers your share of any marine loss costs when your car is on board a ship.

We’ll cover your car if it’s damaged by fire, stolen or someone attempted to steal it.

For comprehensive covers we'll repair your car if it's damaged by an uninsured vehicle. For third party fire and theft and third party covers we'll repair your car up to $3,000.

We'll repair your car if it's damaged by an uninsured vehicle, if you can identify the person at fault and the fault was at least 50% theirs.

If you haven’t had a claim with us (or another insurer) during the last year of your insurance, you’ll receive a discount on your premium.

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

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.

We’ll cover your travel and accommodation expenses to complete your journey or return home after an accident, or if your vehicle is stolen.

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.

If you replace your car or buy a new one, we’ll automatically cover it for 14 days.

We’ll pay for natural disaster damage to your car during the period of insurance.

We’ll replace your keys or remotes if they’re lost, stolen or you think they’ve been illegally duplicated, and you won’t have to pay any excess for the first claim.

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.

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.

We’ll cover loss to your accessories and modifications that are installed in or on your car so long as we’ve accepted your claim for the loss to your car. We also cover loss to your accessories if that loss occurs while they are stored at home.

You'll receive a premium discount if you choose this optional benefit and agree that your car is not driven by or under the care or control of anyone under 25 years old.