Tower
A direct insurer selling car insurance online and by phone, with three levels of cover.
Last checked against Tower's own pages and wording on 2026-09-16
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What cover does Tower sell?
All 3 levels: third party only, third party fire and theft, comprehensive. That is quoted from Tower’s own page, read 2026-09-16. What each level pays for is the same three-way split everywhere; the limits and exclusions are set by the wording.
“Third party cover: This option pays for damage you cause to other people's car and property, but not your own.” — Tower, Car Insurance, read 2026-09-16
What does Tower’s policy wording say?
It publishes something we could read on 8 of the 9 points below: agreed or market value, standard excess, under-25 or inexperienced driver, windscreen and glass, who can drive it, hire car after a claim, roadside assistance, dispute resolution scheme. Each is quoted from its own page or policy document with the date. On the rest the figure is on your own schedule, and you have to ask.
Agreed or market value
Either. An agreed value is locked in for a year and reset at renewal
“Agreed value is an amount you and your insurer agree to cover your car for. This amount is locked in for a year when your policy renews.” — Tower, Car Insurance, read 2026-09-16
Standard excess
No standard figure is published — your excess and any additional excesses are on your certificate of insurance
“Your excess and any additional excesses that apply are detailed on your certificate of insurance.” — Tower, Car insurance — Comprehensive cover (PDF), 09-24, read 2026-09-16
Under-25 or inexperienced driver
An additional excess applies when an inexperienced driver is driving, but no figure is published. Excluding drivers under 25 altogether is a separate option
“Additional excesses apply when the car is being driven or in the control of: 1. an inexperienced driver” — Tower, Car insurance — Comprehensive cover (PDF), 09-24, read 2026-09-16
Windscreen and glass
Glass is covered automatically with an excess; paying that excess away is an optional benefit, and it does not cover sunroofs, mirrors or lights
“Windscreen and window glass are automatically covered, but if you choose this benefit, you won't have to pay any excess for any windscreen claims.” — Tower, Car Insurance, read 2026-09-16
Who can drive it
Anyone driving with your permission, unless you have chosen the option that excludes drivers under 25
“We provide cover for anyone driving your car with your permission, unless you've chosen the optional benefit No cover for drivers under 25 years old” — Tower, Car insurance — Comprehensive cover (PDF), 09-24, read 2026-09-16
Hire car after a claim
Optional; up to $1,000 on comprehensive and $750 on third party fire and theft, ending seven days after the claim is paid
“We'll pay reasonable costs up to $1,000 for either: 1. the costs to rent and insure a similar car” — Tower, Car insurance — Comprehensive cover (PDF), 09-24, read 2026-09-16
Roadside assistance
Optional. It covers the car rather than the person, with three free callouts a year
“Our 24/7 roadside assistance service covers the car, not the person, so anyone driving the car can use it across NZ. It includes three free call-outs per year.” — Tower, Car Insurance, read 2026-09-16
Dispute resolution scheme
An external dispute resolution provider exists but is not named in the wording
“we'll let you know how you can access our external disputes resolution provider.” — Tower, Car insurance — Comprehensive cover (PDF), 09-24, read 2026-09-16
Underwriter
Not checked yet — this insurer publishes no figure we could read
Worth knowing
The excess-free glass benefit does not extend to sunroofs, panoramic roofs, mirrors, lights or indicators
“This benefit does not cover sunroofs, panoramic roofs, mirrors, lights, indicators or their covers.” — Tower, Car insurance — Comprehensive cover (PDF), read 2026-09-16
Is this a review of Tower?
No. There is no rating, no score and no verdict here, and nothing on this page says whether Tower suits you — nobody here has looked at your situation, and an opinion about which policy a particular person should buy is financial advice. It is a record of what the insurer publishes.
Every list of insurers on this site is in alphabetical order by name. Nothing is ordered by whether an insurer pays us, and no insurer can pay to change its position, its facts or whether it appears at all.
Spotted something out of date? Tell us and we’ll fix it or mark it unchecked. We aim to do that within 5 working days.
Sources
Read on 2026-09-16. If a source and this page disagree, the source is right.