From 27 August 2026, we're no longer offering a multi-policy discount. We'll continue to focus on offering customers value and competitive pricing to suit individual needs. Find out what this means for you below:
What this means for you
Existing customers
If you have a policy that currently receives the multi-policy discount and it renews before 27 August 2026, you'll continue to get the discount until your next renewal.
If your policy renews on or after 27 August 2026, your multi-policy discount will come to an end when the policy renews.*
New customers - policy start date before 27 August
If you buy an eligible policy with a start date before 27 August 2026 and the eligibility criteria are met, you'll receive the multi-policy discount on that new policy until your next renewal.*
New customers - policy start date on or after 27 August
If you buy a policy with a start date on or after 27 August 2026, then that policy will not receive the multi-policy discount. This includes policies quoted before 27 August with a start date on or after that date.*
*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
Changes to the multi-policy discount
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.
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.
We'll communicate directly with you at your policy renewal about any changes to your premium.
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.
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.
Understanding the multi-policy discount
If you have two eligible policies with us you could save up to 10% off your premium*, and if you have three or more eligible policies with us, you could save up to 20% off your premium*.
*Discount applies to Tower premium excluding taxes and levies. See Ts&Cs.
Policies that are eligible to earn the multi-policy discount:
- House: Standard, Plus;
- Contents: Standard, Plus;
- Private Car: Comprehensive, Third Party, Fire and Theft, Third Party;
- Commercial Vehicle: Comprehensive, Third Party;
- Motorbike: Comprehensive market value, Third Party, Fire and Theft.
Customers who hold two or more eligible policies and are a named policyholder on the eligible policies, whether:
- in your own personal capacity, or
- as a sole trader, or
- as a partner in a business partnership, or
- as a trustee of a trust, or
- the policy is in the name of the company of which you are a director.
You'll just need to tell us about any policies that aren't held in the same name.
Policies held by your spouse, partner, children, other relatives, or flatmates, do not qualify you for a multi-policy discount unless you are also an owner of the relevant policy.
If you qualify for any dollar value Tower discount, then that discount will be applied to your already discounted premium. Discounts are not applied to taxes and levies.