Car insurance
Protect your vehicle against the unexpected
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.
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100% NZ owned and independent bank
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.
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 | |||
| 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 | |
| Rental vehicle for loss of use | $1,000 | $750 | |
| 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
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- Terms and Conditions
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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.
