Tower Insurance — Car Insurance Review
3 cover tiers from Tower Limited (NZX:TWR) · tower.co.nz
Last refreshed 2026-05-20 · Data source: Supabase insurance.
Underwriter and distribution
Independent NZ-listed insurer (NZX: TWR). Direct-to-consumer.
One of the few large independent (non-IAG, non-Suncorp) NZ general insurers. Also underwrites Trade Me Insurance motor.
Cover tiers offered
NZ motor insurance is sold in three standard tiers. Tower Insurance offers 3 of them. Premiums vary by vehicle, driver age, no-claims history, location and excess — get a quote for your situation.
Comprehensive
Covers damage to your own vehicle (accident, fire, theft, malicious damage, natural disasters), damage to other people's property, plus standard inclusions like windscreen, towing, and rental car. Highest cover, highest premium.
View Tower Insurance policy wording ↗Third Party, Fire & Theft
Covers damage to other people's property if you cause an accident, plus fire and theft of your own vehicle. Does NOT cover accident damage to your own vehicle.
View Tower Insurance policy wording ↗Third Party
Covers damage to other people's property if you cause an accident. Does NOT cover any damage to your own vehicle. The minimum sensible cover for a car driven on NZ roads.
View Tower Insurance policy wording ↗Products and policy wordings
Tower Insurance publishes one consumer motor policy. We've ingested the current wording — every fact on this site is sourced from it.
Tower — Car Insurance
3 tier wordings- Comp Effective 2024-09-01 · confidence: verified · source PDF ↗
- TPFT Effective 2024-09-01 · confidence: verified · source PDF ↗
- TP Effective 2024-09-01 · confidence: verified · source PDF ↗
Cross-insurer matrices on `/topics/*` use the flagship product's wordings. Browse the matrices to compare this insurer's facts against the rest of the NZ motor panel.
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