Why insure your
car with us?



TSB Tower insurance

tsb windscreen replacement



Choose our optional windscreen
excess buyout benefit and you won’t
pay an excess for window glass

tsb tower multi policy discount


Multi-policy discount

Save up to 20% when you take out two
or more policies with us.
Ts&Cs apply.

tsb tower one event one excess


One event, one excess

If one incident means you need to
claim on multiple policies with us,
you’ll only pay one excess. The highest
excess applies.




Key benefits


TSB car insurance icon

Damage by an uninsured vehicle

We’ll repair your car if it’s damaged by an uninsured vehicle, as long as you can identify the person at fault and the fault was more than 50% theirs.


TSB car insurance icon accident

Legal liability

If you accidentally damage someone else’s car or property, we’ll cover you for your legal liability.


TSB car insurance icon first aid

Bodily injury

Bodily injury cover for you or anyone else in charge of your car.


TSB car insurance icon repair

Choice of repairer

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 complete the repairs.


TSB car insurance icon new vehicle replacement

New vehicle replacement (Comprehensive only)

If your vehicle becomes a total loss we'll replace it with a new vehicle of the same make and model, subject to current local availability.





Compare car

This is a summary only, you can read the full list of benefits, terms and conditions in our policy wordings


TSB car insurance comparison table





Optional benefits

RoadWise® roadside assistance

If your car breaks down, our 24-hour RoadWise service will come to your rescue anywhere across New Zealand. RoadWise covers your car, so it doesn't matter who is driving when the breakdown happens.

Add RoadWise to your policy

By calling 0800 100 162 

  • Private for just $3.75 per month
  • Commercial for just $6.22 per month

Please note: RoadWise may not be available for all car insurance policy types.


Road Wise Tower TSB Car Insurance




Tower Insurance Limited underwrites all contracts of house, contents and motor cover, and the contracts of insurance are between you and Tower Insurance Limited. TSB Bank Limited receives a commission from the sale of insurance policies sold on behalf of Tower. TSB Bank Limited does not guarantee these insurance products marketed on behalf of Tower Insurance and is not liable if the insurer declines to pay a claim. Any claims issues are between the insured person(s) and Tower Insurance Limited or any involved third party.

Full terms, conditions and exclusions are available in the Policy Wording. Tower’s credit rating can be viewed here