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Home » Commercial vehicle insurance

Commercial vehicle insurance

Use your vehicle for business and need insurance?

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Compare our commercial vehicle insurance

Whether it's a car, van, ute or trailer you need cover for, our comprehensive and third party policies can meet your needs and budget.

Award winning insurance

We're award-winning

We're thrilled to have won General Insurer of the Year 2022 at the NZ Insurance Business Awards.

Dedicated to the Pacific

Dedicated to the Pacific

Starting in New Zealand, Tower now cares for five other countries across the Pacific too - with local teams ready to help when you need it.

Collision cover

Collision cover

Our comprehensive insurance covers your car for accidental loss or damage.

Lighthouse

Lost or stolen keys? Replaced excess free

We’ll replace keys or remotes if they’re lost, stolen or you think they’ve been illegally duplicated, excess free for your first claim.

Our commercial vehicle insurance policies include

This is a summary only. For all of these benefits, please make sure you read the policy wording to understand the terms, conditions, limits and exclusions that may apply.

Comprehensive

Collision cover 
We’ll cover your vehicle for accidental loss or damage.
Collision cover
We’ll cover your vehicle for accidental loss or damage.
Fire damage and theft 
We'll cover your vehicle if it's damaged by fire, stolen or someone else attempted to steal it.
Fire damage and theft
We'll cover your vehicle if it's damaged by fire, stolen or someone else attempted to steal it.
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.
Disability modifications 
We’ll pay for the necessary modifications to your vehicle, or your employee’s vehicle, if you or one of your employees becomes permanently disabled. That disability must directly result from a loss covered under this policy.
Disability modifications
We’ll pay for the necessary modifications to your vehicle, or your employee’s vehicle, if you or one of your employees becomes permanently disabled. That disability must directly result from a loss covered under this policy.
Expediting expenses 
We’ll pay for express freight and overtime to expedite repairs to your vehicle as a result of loss.
Expediting expenses
We’ll pay for express freight and overtime to expedite repairs to your vehicle as a result of loss.
Goods in transit 

Up to $5,000

We’ll pay for loss to your business assets being carried in or on your vehicle when that vehicle suffers loss caused by: 1. fire 2. collision 3. overturning 4. impact.
Goods in transit
We’ll pay for loss to your business assets being carried in or on your vehicle when that vehicle suffers loss caused by: 1. fire 2. collision 3. overturning 4. impact.
Up to $5,000
Keys and locks lost or stolen 

Up to $1,000

We’ll pay to replace your vehicle remote, keys, entry card or key codes and replace or re-code the locks if during the period of insurance: 1. they’re lost 2. they’re stolen 3. you’ve reasonable grounds to believe they have been illegally duplicated without your permission 4. you’ve reasonable grounds to believe that the combination number or electronic key codes may have become known to someone else without your permission.
Keys and locks lost or stolen
We’ll pay to replace your vehicle remote, keys, entry card or key codes and replace or re-code the locks if during the period of insurance: 1. they’re lost 2. they’re stolen 3. you’ve reasonable grounds to believe they have been illegally duplicated without your permission 4. you’ve reasonable grounds to believe that the combination number or electronic key codes may have become known to someone else without your permission.
Up to $1,000
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 vehicle during the period of insurance.
Natural disaster damage
We’ll pay for natural disaster damage to your vehicle during the period of insurance.
No claims bonus 
If you’re eligible for a no claims bonus, we’ll adjust your premium to reflect this. Your premium may still increase at renewal for other reasons even though you receive a no claims bonus.
No claims bonus
If you’re eligible for a no claims bonus, we’ll adjust your premium to reflect this. Your premium may still increase at renewal for other reasons even though you receive a no claims bonus.
One event one excess 
You’ll only have to pay one excess if we insure more than one of your vehicles or business assets and we accept more than one claim from the same event. The excess that you pay will be the higher of those excesses. You’re only covered under this benefit if you have Comprehensive cover.
One event one excess
You’ll only have to pay one excess if we insure more than one of your vehicles or business assets and we accept more than one claim from the same event. The excess that you pay will be the higher of those excesses. You’re only covered under this benefit if you have Comprehensive cover.
Replacement and additional vehicles 
If we insure your vehicle, we’ll cover any vehicle you purchase: 1. to replace your vehicle insured under this policy 2. in addition to your vehicle insured under this policy. We’ll insure the replacement or additional vehicle from the date you purchase it under the same terms and conditions as we insure your existing vehicle.
Replacement and additional vehicles
If we insure your vehicle, we’ll cover any vehicle you purchase: 1. to replace your vehicle insured under this policy 2. in addition to your vehicle insured under this policy. We’ll insure the replacement or additional vehicle from the date you purchase it under the same terms and conditions as we insure your existing vehicle.
Riot, strike, civil commotion 
We’ll pay for loss to your vehicle caused by riot, strike or civil commotion.
Riot, strike, civil commotion
We’ll pay for loss to your vehicle caused by riot, strike or civil commotion.
Road clearing and salvage costs 

Up to $5,000

We’ll pay for the costs incurred in salvaging any load carried by your vehicle spilled onto a road, carriageway or parking area following a loss to your vehicle and we’ve accepted your claim.
Road clearing and salvage costs
We’ll pay for the costs incurred in salvaging any load carried by your vehicle spilled onto a road, carriageway or parking area following a loss to your vehicle and we’ve accepted your claim.
Up to $5,000
Signwriting 

Up to $1,000

We’ll pay for loss to signwriting on your vehicle that happens at the same time as other loss to your vehicle and we’ve accepted your claim.
Signwriting
We’ll pay for loss to signwriting on your vehicle that happens at the same time as other loss to your vehicle and we’ve accepted your claim.
Up to $1,000
Towing costs 
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 costs
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.
Transport costs 

Up to $500

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 $500
Vehicle misuse protection 
Where certain activities involving your vehicle would invalidate your policy, we’ll continue to provide cover. We’ll pay for loss when your vehicle is used or driven in circumstances that the following policy sections would usually mean there was no cover.
Vehicle misuse protection
Where certain activities involving your vehicle would invalidate your policy, we’ll continue to provide cover. We’ll pay for loss when your vehicle is used or driven in circumstances that the following policy sections would usually mean there was no cover.
OPTIONAL BENEFITS 
OPTIONAL BENEFITS
Accessories and modifications 

Optional up to $2,000 or $5,000

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.
Optional up to $2,000 or $5,000
Additional signwriting cover 

Optional up to $5,000 or $10,000

We’ll pay for loss to signwriting on your vehicle that happens at the same time as other loss to your vehicle and we’ve accepted your claim.
Additional signwriting cover
We’ll pay for loss to signwriting on your vehicle that happens at the same time as other loss to your vehicle and we’ve accepted your claim.
Optional up to $5,000 or $10,000
Rental vehicle 

Optional up to $2,500

If your car is stolen or undrivable after an accident, we'll cover the cost of hiring and insuring a similar car.
Rental vehicle
If your car is stolen or undrivable after an accident, we'll cover the cost of hiring and insuring a similar car.
Optional up to $2,500
Trailers 

Optional up to $3,000

We’ll pay for loss to your registered and warranted trailer listed on your certificate of insurance.
Trailers
We’ll pay for loss to your registered and warranted trailer listed on your certificate of insurance.
Optional up to $3,000
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.
Policy wording 
Download Policy wording
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Commercial vehicle insurance FAQs

What if my windscreen is damaged?

Windscreen and window glass are automatically covered under our Comprehensive commercial car policy. If you ever need to make a claim for windscreen damage, just call us on +682 22713 and we'll get it sorted.

You can also add our windscreen excess buyout benefit when you take out the policy and you won't pay an excess if you claim, or lose your no-claims bonus.

Do you cover drivers on learners and restricted licences?

We do, as long as they are driving inside the conditions of their licence.

Can I cancel if change my mind?

f you're not completely happy with your cover, just let us know within 15 days of the policy start date.

As long as you haven't made any claims during this time, we'll cancel the policy and refund any premium payments you've made. If the policy was not quite right, we might be able to change it to better suit you.

How do I make a claim?

We aim to make claiming on your car insurance as simple as possible. We'll guide you through the process, let you know what happens next and keep you up to date with any progress. Find out how to start a claim.

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