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Motor insurance

Choose from three levels of cover to protect your vehicle. Call us on +679 331 5955 or get a quote online.

Looking for commercial vehicle cover?

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Tower Insurance

Save up to 60% on your motor insurance with our no claims bonus.**

Compare our motor insurance

These are summaries only. You can read the full list of benefits, terms and conditions in our policy wordings.

Comprehensive

Third Party Fire and Theft

Third Party

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 owner's permission.

Comprehensive

$1m

Third Party Fire and Theft

$1m

Third Party

$1m

Marine general average

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

Comprehensive

Third Party Fire and Theft

Third Party

Fire and theft cover

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

Comprehensive

Third Party Fire and Theft

Third Party

Collision cover

We’ll cover your car for accidental loss or damage.

Comprehensive

Third Party Fire and Theft

Third Party

Accidents caused by uninsured third party

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.

Comprehensive

Third Party Fire and Theft

Up to $3,000

Third Party

Up to $3,000

Claims that were not your fault

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.

Comprehensive

Third Party Fire and Theft

Third Party

No-claims bonus

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.

Comprehensive

Third Party Fire and Theft

Third Party

Road clearing costs

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.

Comprehensive

Up to $1,000

Third Party Fire and Theft

Up to $500

Third Party

Towing costs

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.

Comprehensive

Third Party Fire and Theft

Third Party

Transport costs

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

Comprehensive

Up to $500

Third Party Fire and Theft

Up to $250

Third Party

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.

Comprehensive

Third Party Fire and Theft

Third Party

Replacement and additional cars

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

Comprehensive

Third Party Fire and Theft

Third Party

Natural disaster damage

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

Comprehensive

Third Party Fire and Theft

Third Party

Keys and locks lost or stolen

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.

Comprehensive

Up to $1,000

Third Party Fire and Theft

Third Party

Optional benefits

This policy has been awarded the WriteMark Plain Language Standard.

Find out more

Windscreen and window glass excess buyout

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.

Comprehensive

Optional

Third Party Fire and Theft

Optional

Third Party

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.

Comprehensive

Up to $2,000

Third Party Fire and Theft

Up to $500

Third Party

Accessories and modifications

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.

Comprehensive

Optional

Third Party Fire and Theft

Optional

Third Party

No cover for drivers under 25 years old

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.

Comprehensive

Optional

Third Party Fire and Theft

Third Party

This policy has been awarded the WriteMark Plain Language Standard.

Find out more

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Get a quote

Looking for Premier Executive, Premier Super Thrifti, and Premier Thrifti cover?

60% no-claims bonus**

You can receive a discount of up to 60% if you haven’t had any claims in the past 3 years. This will get reviewed when you make a claim.

Discount does not apply to VAT, government levies and some optional special benefits.

motor insurance no claims bonus
Tower Insurance

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