Vehicle Insurance

Tower isurance 2

Tower insurance was awarded the General Insurer of the year 2022.

  • Save up to 20% with Towers multi-policy discount*.
  • Two year replacement from new*.
  • Earn Airpoints dollars.
  • Be rewarded with GoCarma
  • Manage your own insurance through My Tower.

Is your Vehicle covered?

Comprehensive protection for the vehicle you love to drive.

Buying a car can be a big decision, particularly if you are taking out finance to purchase the car.


Comprehensive Vehicle Insurance covers you when:**

  • Your vehicle is involved in an accident, regardless of who is at fault.
  • Your vehicle is stolen, damaged or destroyed by fire.
  • You are responsible for accidental damage to someone else's vehicle or property (covers your legal liability and defence costs).

With Towers Comprehensive car cover customers can choose to insure their car for its market value or an agreed value. These decide how we settle a claim if the vehicle is written off or stolen.

  • Market value is the amount your car is worth on the day it's damaged.
  • Agreed value is an amount you and your insurer agree to cover your car for. This amount is locked in for a year when your policy renews.

Tailored policies to suit your budget

Want a lower premium? Our voluntary excess options let you match your insurance to your budget.


Don't wait contact us to  get a quote



Car home and contents insurance




Optional extras

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.


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 will cover the cost of hiring and insuring a similar car.


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View our online brochure here.


Car insurance Policies are underwritten by Tower Insurance Limited. You can download the policy document from here, contact Tower Insurance on 0800 379 372 for a copy or contact NZCU Steelsands.

**Please refer to the relevant policy documents for full terms, conditions, exclusions and details on the maximum amounts paid. 

For information on Tower Insurance’s Financial Strength Rating please refer to their website