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.



Tower insurance disclaimer


Key benefits


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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.


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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.


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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


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
Road clearing costs $1,000 $500
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
Rental vehicle for loss of use $1,000 $750
No cover for under 25 year old drivers Optional
Trailers Optional up to $3,000




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



  • Terms and Conditions

    Tower Limited underwrites all contracts of house, contents and motor cover, and the contracts of insurance are between you and Tower 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 and is not liable if the insurer declines to pay a claim. Any claims issues are between the insured person(s) and Tower 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


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