Your cover is provided by TOWER Insurance Limited, and includes:
Your vehicle (including trailers or caravans if specifically insured) will be insured for its market value.
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.
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.
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.
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.
You get a lifetime guarantee on any repairs to your vehicle carried out by our recommended panel beaters.
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.
If you replace your vehicle or purchase an additional vehicle, we’ll automatically cover your replacement or additional vehicle for 30 days from the date of replacement or purchase, subject to the terms and conditions of your policy.
For an additional premium you can choose:
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.
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.
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.
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.
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.
If you replace your vehicle, we'll automatically cover the replacement vehicle for 30 days.
For an additional premium you can choose:
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.
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 473.2 kB). Effective from 17 March 2015.
If your policy was issued before this date, the wording in your policy may differ. Please contact us for a copy of the policy that applies to you.
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.
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.
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.
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.
Also check out the TOWER Claim4Car™ app, available for iPhone or Android.
House, Contents and Vehicle Insurance are provided by TOWER Insurance Limited, and TOWER Insurance Limited is solely responsible for any claims under the policy. Kiwibank Limited (including its related companies) does not guarantee the obligations of, or any products provided by, TOWER Insurance Limited or its related companies. Kiwibank Limited may receive a commission on any policy it arranges.
Important terms, conditions and exclusions are set out in the House Contents and Vehicle Insurance Policy (PDF 473.2 kB). Effective from 17 March 2015. If your policy was issued before this date, the wording in your policy may differ. Please contact us for a copy of the policy that applies to you.
“We”, “us”, or “our” means TOWER Insurance Limited.
TOWER Insurance Limited has a financial strength rating of A- (Excellent) as at 25 July 2014 from A.M. Best Company.