Car & vehicle insurance.

Damage by an uninsured vehicle
We'll repair your vehicle if it's damaged by an uninsured vehicle under our comprehensive cover. For third party fire and theft and third party covers we'll repair your car if you can identify the person at fault and the fault was more than 50% theirs.

Damaging someone else's car or other property
If you're in an accident and you cause damage to someone else's car or property, we'll cover you for your legal liability to repair it.

Claims that were not your fault
You won’t pay an excess if you’ve been involved in an accident during the period of insurance, and 1. you’ve identified the party at fault (name, phone number, and registration number of that other party’s vehicle), and 2. we’re satisfied that the other party was more than 50% at fault.

Towing
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.

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

Two year replacement from new
We'll replace your car with a new car of the same make, model and variant, (for example a Toyota Corolla GX) subject to current availability if your car becomes a total loss.

Repair guarantee
If you use one of our Tower Repair Partners for your car claim, we’ll guarantee the repairs for as long as you own the car.

Replacement and additional cars
If you replace your car or buy a new one, we’ll automatically cover it for 14 days. If you paid more than $125,000 for the car, this benefit doesn’t apply, so please call us to arrange insurance before you purchase the replacement car.

Lost or stolen keys
We'll help replace keys and locks if yours are stolen, lost, or illegally copied, and you won't need to pay an excess.

Child car seats
Cover for child car seats if they’re damaged in a car accident, or while they’re stored at home.

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.

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

Pay only one excess
Pay only one excess when claiming on multiple eligible policies for a single event. The highest excess applies.

RoadWise® roadside assistance
Our 24/7 roadside assistance service covers the car, not the person, so anyone driving the car can use it across NZ. It includes three free call-outs per year. Learn more

Rental car
If your car is stolen or undriveable after an accident, we’ll cover the cost of hiring and insuring a similar car.