Compare our car insurance

This table is a summary only and you should refer to your policy wordings for full details.

All cover is similar or improved compared to the previous standard NPI Car product, however individual products may vary and this is a representation.

Our car insurance policies include

Comprehensive

Third party, fire and theft

Third party

Collision cover 
We’ll cover your car for accidental loss or damage.
Collision cover
We’ll cover your car for accidental loss or damage.
Collision cover
We’ll cover your car for accidental loss or damage.
Collision cover
We’ll cover your car for accidental loss or damage.
Fire damage and theft 
We'll cover your car if it's damaged by fire, stolen or someone else attempted to steal it.
Fire damage and theft
We'll cover your car if it's damaged by fire, stolen or someone else attempted to steal it.
Fire damage and theft
We'll cover your car if it's damaged by fire, stolen or someone else attempted to steal it.
Fire damage and theft
We'll cover your car if it's damaged by fire, stolen or someone else attempted to steal it.
Damage by an uninsured vehicle 
We'll cover your car if it's damaged by an uninsured vehicle for comprehensive covers. For third party fire and theft and third party covers we'll repair your car if you can identify the person at fault and the fault was at least 50% theirs.
Damage by an uninsured vehicle
We'll cover your car if it's damaged by an uninsured vehicle for comprehensive covers. For third party fire and theft and third party covers we'll repair your car if you can identify the person at fault and the fault was at least 50% theirs.
Damage by an uninsured vehicle
We'll cover your car if it's damaged by an uninsured vehicle for comprehensive covers. For third party fire and theft and third party covers we'll repair your car if you can identify the person at fault and the fault was at least 50% theirs.
Damage by an uninsured vehicle
We'll cover your car if it's damaged by an uninsured vehicle for comprehensive covers. For third party fire and theft and third party covers we'll repair your car if you can identify the person at fault and the fault was at least 50% theirs.
Damaging someone else’s car or other property 
If you're in an accident and you cause damage to someone else's car or property, we'll cover you for your legal liability to repair it.
Damaging someone else’s car or other property
If you're in an accident and you cause damage to someone else's car or property, we'll cover you for your legal liability to repair it.
Up to TOP100,000
Damaging someone else’s car or other property
If you're in an accident and you cause damage to someone else's car or property, we'll cover you for your legal liability to repair it.
Up to TOP100,000
Damaging someone else’s car or other property
If you're in an accident and you cause damage to someone else's car or property, we'll cover you for your legal liability to repair it.
Up to TOP100,000
Marine loss 
Covers your share of any marine loss costs when your car is on board a ship.
Marine loss
Covers your share of any marine loss costs when your car is on board a ship.
Marine loss
Covers your share of any marine loss costs when your car is on board a ship.
Marine loss
Covers your share of any marine loss costs when your car is on board a ship.
Claims that were not your fault 
You'll keep your no claims bonus and we'll repair your car if it's damaged by an uninsured vehicle, if you can identify the person at fault and the fault was at least 50% theirs.
Claims that were not your fault
You'll keep your no claims bonus and we'll repair your car if it's damaged by an uninsured vehicle, if you can identify the person at fault and the fault was at least 50% theirs.
Claims that were not your fault
You'll keep your no claims bonus and we'll repair your car if it's damaged by an uninsured vehicle, if you can identify the person at fault and the fault was at least 50% theirs.
Claims that were not your fault
You'll keep your no claims bonus and we'll repair your car if it's damaged by an uninsured vehicle, if you can identify the person at fault and the fault was at least 50% theirs.
Towing 
We'll pay for removing your car to the nearest repairer or place of safety if it can't be driven after a loss covered under this policy.
Towing
We'll pay for removing your car to the nearest repairer or place of safety if it can't be driven after a loss covered under this policy.
Towing
We'll pay for removing your car to the nearest repairer or place of safety if it can't be driven after a loss covered under this policy.
Towing
We'll pay for removing your car to the nearest repairer or place of safety if it can't be driven after a loss covered under this policy.
Natural disaster damage 
We'll pay for natural disaster damage to your car during the period of insurance.
Natural disaster damage
We'll pay for natural disaster damage to your car during the period of insurance.
Natural disaster damage
We'll pay for natural disaster damage to your car during the period of insurance.
Natural disaster damage
We'll pay for natural disaster damage to your car during the period of insurance.
Replacement and additional cars 
If you replace your car or buy a new one, we’ll automatically cover it for 14 days.
Replacement and additional cars
If you replace your car or buy a new one, we’ll automatically cover it for 14 days.
Replacement and additional cars
If you replace your car or buy a new one, we’ll automatically cover it for 14 days.
Replacement and additional cars
If you replace your car or buy a new one, we’ll automatically cover it for 14 days.
Transport costs 
We'll cover your travel and accommodation expenses to complete your journey or return home after an accident, or if your vehicle is stolen.
Transport costs
We'll cover your travel and accommodation expenses to complete your journey or return home after an accident, or if your vehicle is stolen.
Up to TOP500
Transport costs
We'll cover your travel and accommodation expenses to complete your journey or return home after an accident, or if your vehicle is stolen.
Up to TOP250
Transport costs
We'll cover your travel and accommodation expenses to complete your journey or return home after an accident, or if your vehicle is stolen.
Lost or stolen keys 
We'll replace your keys or remotes if they're lost, stolen or you think they've been illegally duplicated, and you won't have to pay any excess for the first claim.
Lost or stolen keys
We'll replace your keys or remotes if they're lost, stolen or you think they've been illegally duplicated, and you won't have to pay any excess for the first claim.
Up to TOP500
Lost or stolen keys
We'll replace your keys or remotes if they're lost, stolen or you think they've been illegally duplicated, and you won't have to pay any excess for the first claim.
Lost or stolen keys
We'll replace your keys or remotes if they're lost, stolen or you think they've been illegally duplicated, and you won't have to pay any excess for the first claim.
Pay only one excess 
Pay only one excess when claiming on multiple eligible policies for a single event. The highest excess applies.
Pay only one excess
Pay only one excess when claiming on multiple eligible policies for a single event. The highest excess applies.
Pay only one excess
Pay only one excess when claiming on multiple eligible policies for a single event. The highest excess applies.
Pay only one excess
Pay only one excess when claiming on multiple eligible policies for a single event. The highest excess applies.
No claims bonus 
If you haven't had a claim with us (or another insurer) during the last year of your insurance, you'll receive a discount on your premium.
No claims bonus
If you haven't had a claim with us (or another insurer) during the last year of your insurance, you'll receive a discount on your premium.
No claims bonus
If you haven't had a claim with us (or another insurer) during the last year of your insurance, you'll receive a discount on your premium.
No claims bonus
If you haven't had a claim with us (or another insurer) during the last year of your insurance, you'll receive a discount on your premium.
Optional benefits 
Optional benefits
Optional benefits
Optional benefits
No cover for under 25 year old drivers 
If you’ve chosen this optional benefit, you’ve agreed that your car is not insured while it is being driven by or under the care or control of anyone under 25 years old. You’ll receive a premium discount.
No cover for under 25 year old drivers
If you’ve chosen this optional benefit, you’ve agreed that your car is not insured while it is being driven by or under the care or control of anyone under 25 years old. You’ll receive a premium discount.
No cover for under 25 year old drivers
If you’ve chosen this optional benefit, you’ve agreed that your car is not insured while it is being driven by or under the care or control of anyone under 25 years old. You’ll receive a premium discount.
No cover for under 25 year old drivers
If you’ve chosen this optional benefit, you’ve agreed that your car is not insured while it is being driven by or under the care or control of anyone under 25 years old. You’ll receive a premium discount.
Accessories and modifications 
We’ll cover loss to your accessories and modifications that are installed in or on your car so long as we’ve accepted your claim for the loss to your car. We also cover loss to your accessories if that loss occurs while they are stored at home.
Accessories and modifications
We’ll cover loss to your accessories and modifications that are installed in or on your car so long as we’ve accepted your claim for the loss to your car. We also cover loss to your accessories if that loss occurs while they are stored at home.
Accessories and modifications
We’ll cover loss to your accessories and modifications that are installed in or on your car so long as we’ve accepted your claim for the loss to your car. We also cover loss to your accessories if that loss occurs while they are stored at home.
Accessories and modifications
We’ll cover loss to your accessories and modifications that are installed in or on your car so long as we’ve accepted your claim for the loss to your car. We also cover loss to your accessories if that loss occurs while they are stored at home.
Windscreen excess buyout 
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.
Windscreen excess buyout
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.
Windscreen excess buyout
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.
Windscreen excess buyout
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.
Rental car 
If your car is stolen or undrivable after an accident, we'll cover the cost of hiring and insuring a similar car.
Rental car
If your car is stolen or undrivable after an accident, we'll cover the cost of hiring and insuring a similar car.
Up to TOP2,000
Rental car
If your car is stolen or undrivable after an accident, we'll cover the cost of hiring and insuring a similar car.
Up to TOP500
Rental car
If your car is stolen or undrivable after an accident, we'll cover the cost of hiring and insuring a similar car.

Frequently asked questions

Why are you making these changes?

Our customers deserve to have up-to-date insurance cover that’s easy to understand. Our latest Tower policies are written in plain language so you can easily understand what you’re covered for if you need to make a claim. Simplifying complicated insurance terms with plain language is just the start of how we’re transforming insurance across the Pacific.

Can I choose to stay on my current policy?

No, this policy will no longer be available as we’re phasing out old policies and moving customers to our latest cover. The new product you’re moving to is our closest match to your current policy. However, we also have other options that may suit you better. Compare our latest policies using the table above.

What are some of the benefits of these new policies?

You can see and compare the benefits of each of new policies in the table above.

Our Comprehensive motor insurance provides TOP100,000 in liability protection, cover for fire and theft, collision cover and accidents caused by third parties.

Our third party fire and theft policy also provides TOP100,000 liability protection, fire and theft cover, collision cover, as well as accidents caused by uninsured third parties up to the sum insured.

Third party only cover is also available, which provides an essential, basic level of cover.

Will my premium change?

Premiums can change every year, depending on a number of different factors. Your premium will be listed in your renewal email and if you have any questions about it, you can find ways to contact us here.

Will my excess change?

The excess is the amount you need to pay toward any loss when you make a claim and it’s approved.

When you move to your new policy, your excess may change and it’s important to check it and make sure it’s right for you.

The amount of excess you choose for your policy will affect the premium you pay - the higher your excess, the cheaper your premium. As well as considering the premium, it’s also important to think about whether you will be able to afford to pay the excess if you happen to have a claim.

If your insured vehicle is deemed by us to have a high risk of theft, an additional excess of TOP250 applies to claims for theft of this vehicle. We won't apply this additional excess if you can provide satisfactory proof that the vehicle was fitted with a functioning alarm system at the time of the loss.

Vehicles that are high risk of theft are:

  • Mazda Demio
  • Mazda Atenza
  • Toyota Aqua
  • Toyota Mark X
  • Nissan Tiida
Why has my policy number changed?

As you move to our latest Tower cover when your policy renews, you’ll also have a new unique policy number for each of your policies. Remember to use this policy number as your reference when you contact us or make a payment for this policy. You’ll find your policy number in the top right-hand corner of your new insurance documents.

Are my other NPI or Tower policies changing?

We’re phasing out older house, contents and car policies and moving customers to our latest policies ensuring they have the most up-to-date cover. If you have other NPI or Tower policies, we’ll let you know of any changes to each of your policies in a ‘heads up’ email, or in your renewal email.

What do I need to do now?

Please check through your policy documents when they arrive to ensure the information is correct and make sure you are comfortable with all the details.

If you have any questions, please don’t hesitate to contact us, otherwise, you can make your payment for your policy.

What happens when I get my renewal email?

Please make sure you read it carefully and check your details and your excess, as it may have changed.

How can I get more information?

Click here to find out more about the relationship between NPI and Tower and the exciting changes you can expect.

We’re more than happy to answer any questions you may have. Please find ways to contact us here.

Important information: Tower car policies are underwritten by National Pacific Insurance (Tonga) Limited trading as Tower Insurance.