What this means for you

existing customers

Existing policies

Policies that currently receive a multi-policy discount will continue to get the discount until their next renewal.*

new customers

New policies

We no longer offer a multi-policy discount on new policies.*

*Please read the terms and conditions for more information.

We're here to help

You'll find answers to common questions in the FAQs below. If you'd like more support, you can call us on +679 331 5955, or visit our Suva or Nadi branches.

Great reasons to choose Tower

There are still perks to keeping all your policies in one place. 

  • If you have multiple eligible policies with Tower and you need to claim on more than one of these policies for the same event, you may only need to pay one excess (the highest excess applies). Terms, conditions, limits and underwriting criteria apply.*
  • With different levels of cover for house, contents, and car, you can mix and match your policies and easily choose the right combination for your needs and budget.

*This is a summary only. Please make sure you read the policy wording and cover documents to understand the terms, conditions, limits, and exclusions that may apply.

Changes to the multi-policy discount

Why is the multi-policy discount ending?

There are a lot of factors involved in the multi-policy discount and we weren't able to get it right every time. Instead, we'll continue to focus on offering customers value and competitive pricing to suit individual needs. 

Will Tower be replacing the multi-policy discount?

While we will not be replacing the multi-policy discount we'll continue to review our pricing, benefits and offers for new and existing customers, to ensure that we offer great value. 

How will this affect my premiums?

We'll communicate directly with you at your policy renewal about any changes to your premium. 

Are there still benefits to keeping my policies with one insurer?

Yes, there are perks to keep all of your policies under one roof. 

  • If you have multiple eligible policies with Tower and you need to claim on more than one of these policies for the same event, you may only need to pay one excess (the highest excess applies). Terms, conditions, limits and underwriting criteria apply.*
  • We have different levels of cover available for house, contents, and car insurance, so you can mix and match your policies and easily choose the right combination for your needs and budget. 
  • It's easy to manage your policies online in My Tower. You can view your policies, buy insurance, change your car excess or make a car claim, all in the same place.

*This is a summary only. Please make sure you read the policy wording and cover documents to understand the terms, conditions, limits, and exclusions that may apply. 

How else can I save on my premium?

There are a few ways you may be able to reduce your premium:

  • You can choose a higher excess, which may reduce your premium.* Just make sure you can afford the excess if you need to make a claim. 
  • Consider which optional benefits make the most sense for you. While they help with additional cover, they do increase your premium. 
  • Review your insurance cover regularly and make adjustments to ensure you have appropriate cover. We don't want you to be overinsured or underinsured!

*The premium will not be reduced below the minimum premium set for each policy type.