Updated 3 Nov 2017


Vehicle Insurance Extra Cover

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Full policy details


Tower Insurance
Underwriter's financial strength rating
A- (A.M. Best)
Independent complaints organisation

Insurance & Financial Services Ombudsman Scheme

0800 222 491
Cooling-off period
30 days

Standard excesses for fully-licenced, named drivers

Under 21
21 to 24


25 plus


Main cover

Liability to 3rd parties

Up to $25 million

Towing costs following accident

Reasonable towing costs

Road-clearing costs following accident

Up to $1000

Transport costs following accident

Transport and accommodation costs up to $500

Accommodation costs following accident

Transport and accommodation costs up to $500

Cover for natural disasters


Other benefits

Damage to trailer covered under same policy

Optional extra up to sum insured

Cover for windscreens/windows


Possible to claim for broken glass without impacting excess/no-claims discount


Keys/locks replaced

Up to $500 (no excess; no-claims discount not impacted)

Repairs done by specified repairer guaranteed


Option to choose your own repairer


Roadside assistance available

Optional extra

Rental car during repairs

Up to $500 or 7 days (whichever is less) if car stolen or total loss; otherwise optional extra (up to $2500)

No-claims discount protection (including at-fault crashes)


New vehicle replaced entirely

Yes, if less than 1 year old

Car accessories included in cover

Yes - child car seat etc up to $1000 unless otherwise specified

Car accessories kept at home covered


Death and injury cover

Driver's death

Up to $10,000 total

Driver's personal injury


Driver's medical expenses

Up to $600

More info

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