Updated 3 Nov 2017

Tower

Comprehensive Car Insurance

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Full policy details

Policy

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

Insurance & Financial Services Ombudsman Scheme

Phone
0800 379 372
Cooling-off period
15 days

Standard excesses for fully-licenced, named drivers

Under 21
$1150
21 to 24

$900

25 plus

$400

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

Yes

Other benefits

Damage to trailer covered under same policy

Yes if listed (excess applies; no-claims discount impacted)

Cover for windscreens/windows

Yes

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

Optional extra

Keys/locks replaced

Up to $1000 (no excess; no claims bonus not impacted for first claim)

Repairs done by specified repairer guaranteed

Yes

Option to choose your own repairer

Yes

Roadside assistance available

Optional extra

Rental car during repairs

Up to $1000

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

Yes

New vehicle replaced entirely

Yes, if less than 2 years old and sole owner

Car accessories included in cover

Yes - accessories aren't defined, if on certificate

Car accessories kept at home covered

No

Death and injury cover

Driver's death

Up to $10,000 total

Driver's personal injury

No

Driver's medical expenses

No

More info

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