⭐⭐⭐⭐

Rating from CANSTAR

Our Take

Tower Insurance is one of New Zealand's major insurers with a strong reputation for innovation and digital tools. It offers a wide range of car insurance policies, including app-based management, flood risk mapping, and customizable add-ons. While pricing can vary, Tower stands out with tech-driven features and strong claims service.

👍 Pros

• MyTower app for easy policy and claims management.
• Multi-policy and bundling discounts.
• Flood risk mapping tool available for all addresses.
• Strong digital innovation and sustainability goals.

👎 Cons

• Premiums may be higher than budget options.
• Customer service response time varies.
• Some disputes reported during claims assessment.

Tower Car Insurance Review

insurspy gives Tower a 4.2 out of 5. Their comprehensive car insurance includes coverage for natural disasters, accidents, theft, and more. Tower also offers real-time flood risk tools, digital quotes, and strong app-based self-service options.

Is Tower a Good Car Insurance Company?

Yes. Tower is ideal for digital-first customers and those looking for modern tools and insights into risk. Its bundling and app experience are industry-leading in New Zealand.

How Much Does Tower Insurance Cost?

Tower's pricing is mid-to-high depending on your driving history and region. Policyholders who bundle home or contents insurance tend to get better deals.

Discounts

• Multi-policy bundling discount
• No-claims bonus
• Annual payment discount
• MyTower customer-exclusive deals

Coverage Options

• Third Party
• Third Party, Fire & Theft
• Comprehensive

Optional Extras: Windscreen Cover, Roadside Rescue, Rental Car After Accident, Agreed Value

Industry Ratings

• AM Best: A-
• Canstar: 4 stars (2024)
• Tech Awards: Finalist, NZ FinTech Awards

Customer Reviews

4 / 5 (1393 Reviews from NZ Trustpilot)

⭐⭐⭐⭐⭐ – 56%
⭐⭐⭐⭐ – 15%
⭐⭐⭐ – 5%
⭐⭐ – 5%
⭐ – 19%

Contact Tower

• Customer Service: 0800 379 372
• Website: www.tower.co.nz
• Claims: Through MyTower app or phone

Methodology

insurspy reviews combine customer satisfaction, digital experience, policy options, and pricing flexibility. Ratings are based on public data and direct user feedback.