Type of cover

Comprehensive cover

This covers your vehicle against sudden accidental physical loss (not otherwise excluded by the policy), and can protect you against your legal liability for damage caused to other people’s vehicles and property in an accident involving your vehicle, up to a total of $25,000,000.

Third party, fire and theft cover

Protect your vehicle against sudden accidental physical loss caused by fire or theft, and also protect yourself against your legal liability for damage caused to other people’s vehicles and property in an accident involving your vehicle, up to a total of $25,000,000.




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How am I protected?

Additional expenses following an accident (Comprehensive cover only)

If your vehicle is not driveable because of an accident covered by the policy, you can claim up to $500 for reasonable additional travel and reasonable accommodation costs to get home or to complete your journey.

Change of vehicle (both forms of cover)

If you replace your vehicle you have automatic cover on the replacement vehicle for up to 30 days, from the date you buy it to allow you time to give us details on your new vehicle.

New vehicle option (Comprehensive cover only)

If your vehicle becomes a total loss within a year of its original registration from new and we have accepted your claim, we will replace your vehicle with a new vehicle of the same make or model, subject to current local availability.



Special benefits (comprehensive cover only)

No claims and no blame bonus

Provided you meet certain conditions, you will not pay any excess or lose your No Claims Bonus if you are involved in an accident where the other driver is identified and more than 50% at fault.

Vehicle hire

If your vehicle is stolen or becomes a total loss and we accept your claim, you have cover for up to seven days’ hire costs for a similar vehicle, up to a maximum of $500.

Fatal injury

If you die as a result of injury following an accident to your vehicle for which a claim is accepted, your estate can claim up to $5,000.

Windscreen extension (also optional cover for third party)

You are covered for breakage of your windscreen, window glass and sunroof automatically and you will not pay an excess or lose your No Claims Bonus, unless there is other damage caused to your vehicle at the time.

Natural disaster damage

Your motor vehicle policy automatically provides insurance for loss or damage to your vehicle caused by the event of an earthquake or natural disaster.

Stolen keys

If your vehicle’s remote, keys, entry card or key codes are stolen or illegally duplicated, or it is reasonable to believe that the combination number of electronic key codes may have become known to someone without your permission, you will be paid up to $500 free of any excess to replace the remote, keys or entry card or change the combination number of the electronic key code and it will not affect your no claims bonus.



Optional special benefits (comprehensive cover only, additional premium applies)

Agreed value

If you have selected this benefit and your vehicle was first registered after 1984 you will be paid the agreed value, if your vehicle is a total loss and your claim accepted.

Lifetime no claims bonus

If you have selected this benefit you will maintain your full no claims bonus under this policy for the life of this policy, provided you:

  • have held comprehensive motor vehicle insurance with a full no claims bonus for a continuous period of three (3) years or more; and
  • have had no claims during this period where your bonus has been reduced.


You have access to the RoadWise programme of roadside assistance. Terms and conditions are available on request.

Trailers and caravans

This optional special benefit covers your trailer and/or caravan and its permanent fixture and fittings, free of any excess up to the sum insured shown in the certificate of insurance for each item.

Under 25 year old driver exclusion

Select this optional benefit and you will receive a discount off your premium as you have agreed that there is no cover on your vehicle while being driven by, under the care or control of anyone under 25 years of age.


Making payments

Your premiums can be paid annually, six monthly, quarterly, monthly or fortnightly. Pay by direct debit from your bank account or credit card.

  • 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 or any involved third party. 

    Full terms, conditions and exclusions are available in the Policy Wording. TOWER’s Credit Rating can be viewed here