Depending on your circumstances, there are two levels of Motor Vehicle cover arranged by TSB in conjunction with one of New Zealand’s leading insurers, Tower.
CAR INSURANCE Why insure your car with us? Windscreen Choose our optional windscreen excess buyout benefit and you won’t pay an excess for window glass claims. Multi-policy discount Save up to 20% when you take out two or more policies with us.Ts&Cs apply. LEARN MORE 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 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. Legal liability If you accidentally damage someone else’s car or property, we’ll cover you for your legal liability. Bodily injury Bodily injury cover for you or anyone else in charge of your car. 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. 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. Please note: This is a summary only and is subject to the policy terms and conditions. YOUR OPTIONS Compare car insurance This is a summary only, you can read the full list of benefits, terms and conditions in our policy wordings. Cover benefits compared Comprehensive cover Third party, fire and theft Third party only cover Liability protection $25m $25m $25m Bodily injury including reparation $1m $1m $1m Legal defence cost $5,000 $5,000 $5,000 Marine general average Fire and theft cover Agreed/Market Market Collision cover Agreed/Market Accidents caused by uninsured third party Agreed/Market Up to $4,000 Up to $4,000 Claims that were not your fault No claims bonus Rental vehicle hire for loss of use $1,000 $750 Road clearing costs $1,000 $500 Towing Temporary storage Transport costs $500 $250 One event - one excess Replacement and additional cars Market Market Stolen from a locked garage No excess No excess Car seats $750 $500 Tower recommended repairer Repair guarantee Natural disaster damage Fatal injury $10,000 Keys and locks lost or stolen $1,000 New vehicle replacement Optional benefits Comprehensive cover Third party, fire and theft Third party only cover RoadWise roadside assistance Optional Optional Optional Windscreen and window glass excess buyout Optional Optional Accessories and modifications $2,000 or $5,000 $2,000 or $5,000 No cover for under 25 year old drivers Optional Trailers Optional up to $3,000 YOUR CAR 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. GET A QUOTE GET A QUOTE & BUY ONLINE Call 0800 872 226 FIND A BRANCH Terms and Conditions 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.
Windscreen Choose our optional windscreen excess buyout benefit and you won’t pay an excess for window glass claims.
Multi-policy discount Save up to 20% when you take out two or more policies with us.Ts&Cs apply. LEARN MORE
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.
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. Legal liability If you accidentally damage someone else’s car or property, we’ll cover you for your legal liability. Bodily injury Bodily injury cover for you or anyone else in charge of your car.
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.
Legal liability If you accidentally damage someone else’s car or property, we’ll cover you for your legal liability.
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. 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.
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.
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.
YOUR OPTIONS Compare car insurance This is a summary only, you can read the full list of benefits, terms and conditions in our policy wordings. Cover benefits compared Comprehensive cover Third party, fire and theft Third party only cover Liability protection $25m $25m $25m Bodily injury including reparation $1m $1m $1m Legal defence cost $5,000 $5,000 $5,000 Marine general average Fire and theft cover Agreed/Market Market Collision cover Agreed/Market Accidents caused by uninsured third party Agreed/Market Up to $4,000 Up to $4,000 Claims that were not your fault No claims bonus Rental vehicle hire for loss of use $1,000 $750 Road clearing costs $1,000 $500 Towing Temporary storage Transport costs $500 $250 One event - one excess Replacement and additional cars Market Market Stolen from a locked garage No excess No excess Car seats $750 $500 Tower recommended repairer Repair guarantee Natural disaster damage Fatal injury $10,000 Keys and locks lost or stolen $1,000 New vehicle replacement Optional benefits Comprehensive cover Third party, fire and theft Third party only cover RoadWise roadside assistance Optional Optional Optional Windscreen and window glass excess buyout Optional Optional Accessories and modifications $2,000 or $5,000 $2,000 or $5,000 No cover for under 25 year old drivers Optional Trailers Optional up to $3,000
YOUR OPTIONS Compare car insurance This is a summary only, you can read the full list of benefits, terms and conditions in our policy wordings.
Cover benefits compared Comprehensive cover Third party, fire and theft Third party only cover Liability protection $25m $25m $25m Bodily injury including reparation $1m $1m $1m Legal defence cost $5,000 $5,000 $5,000 Marine general average Fire and theft cover Agreed/Market Market Collision cover Agreed/Market Accidents caused by uninsured third party Agreed/Market Up to $4,000 Up to $4,000 Claims that were not your fault No claims bonus Rental vehicle hire for loss of use $1,000 $750 Road clearing costs $1,000 $500 Towing Temporary storage Transport costs $500 $250 One event - one excess Replacement and additional cars Market Market Stolen from a locked garage No excess No excess Car seats $750 $500 Tower recommended repairer Repair guarantee Natural disaster damage Fatal injury $10,000 Keys and locks lost or stolen $1,000 New vehicle replacement
Optional benefits Comprehensive cover Third party, fire and theft Third party only cover RoadWise roadside assistance Optional Optional Optional Windscreen and window glass excess buyout Optional Optional Accessories and modifications $2,000 or $5,000 $2,000 or $5,000 No cover for under 25 year old drivers Optional Trailers Optional up to $3,000
YOUR CAR 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.
Terms and Conditions 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.
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.
