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Motor insurance

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  • Broad range of cover to protect your car
  • Choose from three flexible levels of cover
  • Get a quote in one easy phone call.

Compare motor insurance options

 Maxi Motor
Protection
Thrifti Motor
Protection
Motor Owners
Liability Protection
Base cover
Policy detailsMaxi Motor Protection provides protection against sudden unforeseen accidental physical loss or damage to your vehicle in the Cook Islands including Liability Protection.Thrifti Motor Protection provides protection against sudden unforeseen accidental physical loss or damage to your vehicle in the Cook Islands caused by fire, theft or illegal conversion including Liability Protection.Motor Owners Liability Protection provides you with the most basic cover. It includes legal liability cover of up to $100,000.
Motor owners liability protection

Motor owners liability protection
Covers you for claims made against you for property damage as a result of accidents involving your vehicle or any vehicle you are using with the owners permission.
Up to $100,000Up to $100,000Up to $100,000
Special benefits
One event, one excess

One event, one excess
If one event causes you to claim under two or more of your TOWER policies - such as your house, contents and vehicle, you will only have to pay one excess.

Replacement vehicle

Replacement vehicle
If you replace your vehicle we will cover the new vehicle for 30 days.

Salvage costs

Salvage costs
If your vehicle can’t be driven due to an accident that we've accepted a claim for, we’ll pay the reasonable costs to remove it to the nearest repairer or place of safety.

Windscreen and window glass (free of excess)

Windscreen and window glass (free of excess)
We’ll cover accidental breakage of your vehicles windscreen, window glass or sunroof and you won’t lose your no claims bonus.


Need more information?
Download the Cook Islands Motor Policy here

Motor insurance policies in detail

Maxi Motor Protection

Thrifti Motor Protection

Motor Owners Liability Protection