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Vehicle insurance

Extra cover special benefits

Your cover is provided by TOWER Insurance Limited, and includes:

• Market value

  Your vehicle (including trailers or caravans if specifically insured) will be insured for its market value.

• No claims and no blame bonus

  If you haven’t had any claims with us or with your previous insurer for the last year, you'll get a no claims bonus. We won’t penalise your no claims bonus when you renew your policy or impose your excess in a claim, if you’re involved in an accident while insured and it’s proved that someone else was more than 50% at fault.

• Choice of repairer

  If your vehicle suffers loss or damage for which a claim is accepted (other than windscreen, window glass or sunroof) you can nominate a repairer of your choice to do the repairs.

• New vehicle

  If your vehicle becomes a total loss within a year of its original registration (from new) and your claim is accepted, we’ll replace it with a new vehicle of the same make and model, subject to local availability.

• Hire vehicle

  If your vehicle is stolen or a total loss and we accept the claim, we’ll cover the cost of hiring a similar vehicle for up to seven days or $500, whichever is less. This cover doesn’t apply if you select the rental vehicle optional special benefit.

• Repair guarantee

  You get a lifetime guarantee on any repairs to your vehicle carried out by our recommended panel beaters.

• Windscreen and window glass

  If your vehicle’s windscreen, window glass or sunroof is accidentally broken, we’ll pay for their repair or replacement. We won’t deduct any excess and you won’t lose your no claims bonus.

Extra cover – optional special benefits

For an additional premium you can choose:

• Agreed value

  Your vehicle (other than trailers or caravans) can be insured for an agreed value. This means, after the loss of your vehicle and acceptance of your claim, you’ll know how much you’ll receive, provided your vehicle was first registered after 1984 and is in a sound and well maintained condition.

• Rental vehicle

  If your vehicle is involved in an accident, stolen or becomes a total loss we’ll pay for you to hire and insure a similar vehicle up to $2,500, while you’re without your vehicle.

• RoadWise break–down service

  Get help anywhere in New Zealand if your car breaks down or runs out of petrol. You get three free call outs a year and the cover is based on the car, not the driver – so whoever is driving can get help when they need it.

Everyday cover – Third party, fire and theft special benefits

• Choice of repairer

  If your vehicle suffers loss or damage for which a claim is accepted (other than windscreen, window glass or sunroof) you can choose a repairer to do the repairs.

• Damage by an uninsured vehicle

  We’ll pay up to $3,000 for repairs to your vehicle if it’s damaged in an accident, it’s proven the other party was uninsured and more than 50% at fault, and you provide us with their identity and relevant details.

Everyday cover – optional special benefits

For an additional premium you can choose:

• RoadWise break-down service

  Get help anywhere in New Zealand if your car breaks down or runs out of petrol with this optional special benefit. You get three free call–outs a year and the cover is based on the car, not the driver – so whoever is driving can get help when they need it.

• Windscreen and window glass

  If your vehicle’s windscreen, window glass or sunroof is accidentally broken, we’ll pay for the repair or replacement at our selected repairer under this optional special benefit. We won’t deduct any excess and you won’t lose your no claims bonus.

For full benefit details, read the House, Contents and Vehicle Insurance policy (PDF 1.3 MB).

Choice of excesses

The excess is the amount that you pay for each claim. The standard excess for Vehicle Insurance is $300, but you can choose an amount that suits you. A higher excess will save you money by reducing your premium, while a lower excess will increase the premium.

Note that in some circumstances, e.g. drivers under 25 years, an additional excess will automatically be applied.

Additional features

• Choice of payment options – direct debit, credit card or internet banking transfer
• Pay your premiums monthly, quarterly or save with yearly premiums
• 24 hour, 7 day, freephone service for emergency claim situations
• Quick response claims handling – in most cases you’ll have answers within 48 hours, so you’ll know where you stand as soon as possible.

Discounts

• No claims discounts – up to 50%
• Up to 20% package discount for taking out more than one type of insurance policy (House, Contents or Vehicle) with us
• 10% discount on your vehicle insurance for keeping your vehicle garaged.

Note: The discounts don’t apply to the levies (e.g. Fire Service) that are included in all premiums, nor to GST, administration fees, and some Optional Special Benefits. Discount varies depending on the number/type of policies taken out.

Apply now

Call us on 0800 222 491 and we’ll complete your application over the phone. Or, email us and let us know when you’d like us to call you.

Make a claim

To make a claim, call us on 0800 222 491. If it’s an emergency, we’re available 24 hours a day, seven days a week.

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