Bought a new car or checking to see if you have the best cover? With third party or comprehensive, we’ve got cover to meet your needs and budget.
Tower car insurance policies include
This is a summary only. For all of these benefits, please make sure you read the policy wording to understand the terms, conditions, limits and exclusions that may apply.
Compulsory third party
|Collision cover |
We'll cover your car for accidental loss or damage.
|Fire damage and theft|
We'll cover your car if it's damaged by fire, stolen or someone else attempted to steal it.
|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.
|Up to $100,000||Up to $100,000|
Covers your share of any marine loss costs when your car is on board a ship.
|Up to $100,000||X|
|Claims that were not your fault|
You'll keep your no claims bonus and we'll repair your car if it's damaged by an uninsured vehicle, if you can identify the person at fault and the fault was at least 50% theirs.
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.
|Natural disaster damage|
We'll pay for natural disaster damage to your car during the period of insurance.
|Replacement and additional cars|
If you replace your car or buy a new one, we’ll automatically cover it for 14 days.
|Up to $50,000||X|
|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.
|Up to $500||X|
|Lost or stolen keys |
We'll replace your keys or remotes if they're lost, stolen or you think they've been illegally duplicated, and you won't have to pay any excess for the first claim.
|Up to $500||X|
|Pay only one excess|
Pay only one excess when claiming on multiple policies for a single incident at the same address.
|No claims bonus|
If you haven't had a claim with us (or another insurer) during the last year of your insurance, you'll receive a discount on your premium.
|Windscreen excess buyout|
Windscreen and window glass are automatically covered, but if you choose this benefit, you won't have to pay any excess for any windscreen claims.
If your car is stolen or undrivable after an accident, we'll cover the cost of hiring and insuring a similar car.
|Up to $2,000||X|