Commercial vehicle insurance
Use your vehicle for business and need insurance?
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. If you’re unsure of what the best commercial vehicle insurance is for you, check out our buyers guide.
We're award-winning
We're thrilled to have won Canstar's Car Insurer of the Year and Outstanding Value Car Insurance 2021-2022 in New Zealand, and General Insurer of the Year 2022 at the Insurance Business New Zealand Awards.
Dedicated to the Pacific
Starting in New Zealand, Tower now cares for seven other countries across the Pacific too - with local teams ready to help when you need it.
Collision cover
Our comprehensive insurance covers your car for accidental loss or damage.
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
Third party
Collision cover
Collision cover
Collision cover
We'll cover your vehicle if it's damaged by fire, stolen or someone attempted to steal it.
Fire and theft cover
Fire and theft cover
We'll cover your vehicle if it's damaged by fire, stolen or someone attempted to steal it.
Fire and theft cover
We'll cover your vehicle if it's damaged by fire, stolen or someone attempted to steal it.
If you’ve chosen Third party cover (shown on your certificate of insurance), we’ll pay for repairs to your vehicle if it is damaged in an accident, we’ve accepted your claim and:
1. you’ve identified the party at fault (name, phone number and registration number of that other party’s vehicle), and
2. we’re satisfied that the other party was more than 50% at fault, and
3. their vehicle was uninsured.
Accidents caused by an uninsured third party
Accidents caused by an uninsured third party
If you’ve chosen Third party cover (shown on your certificate of insurance), we’ll pay for repairs to your vehicle if it is damaged in an accident, we’ve accepted your claim and:
1. you’ve identified the party at fault (name, phone number and registration number of that other party’s vehicle), and
2. we’re satisfied that the other party was more than 50% at fault, and
3. their vehicle was uninsured.
Accidents caused by an uninsured third party
Lesser of market value or $3,000
If you’ve chosen Third party cover (shown on your certificate of insurance), we’ll pay for repairs to your vehicle if it is damaged in an accident, we’ve accepted your claim and:
1. you’ve identified the party at fault (name, phone number and registration number of that other party’s vehicle), and
2. we’re satisfied that the other party was more than 50% at fault, and
3. their vehicle was uninsured.
You’ll keep your no claims bonus and you won’t pay an excess if you’ve been involved in an accident during the period of insurance, and:
1. you’ve identified the party at fault (name, phone number and registration number of that other party’s vehicle), and
2. we’re satisfied that the other party was more than 50% at fault.
Claims that were not your fault
Claims that were not your fault
You’ll keep your no claims bonus and you won’t pay an excess if you’ve been involved in an accident during the period of insurance, and:
1. you’ve identified the party at fault (name, phone number and registration number of that other party’s vehicle), and
2. we’re satisfied that the other party was more than 50% at fault.
Claims that were not your fault
You’ll keep your no claims bonus and you won’t pay an excess if you’ve been involved in an accident during the period of insurance, and:
1. you’ve identified the party at fault (name, phone number and registration number of that other party’s vehicle), and
2. we’re satisfied that the other party was more than 50% at fault.
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 Section 1 of this policy.
Disability modifications
Disability modifications
Up to $5,000We’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 Section 1 of 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 Section 1 of this policy.
We’ll pay for express freight and overtime to expedite repairs to your vehicle as a result of loss.
Expediting expenses
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.
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
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.
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
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.
We’ll pay for natural disaster damage to your vehicle during the period of insurance.
Natural disaster damage
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.
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
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.
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
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.
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
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.
We’ll pay for loss to your vehicle caused by riot, strike or civil commotion.
Riot, strike, civil commotion
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.
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
Road clearing and salvage costs
Up to $5,000We’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.
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
Signwriting
Up to $1,000We’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.
We’ll pay for removing your vehicle to the nearest repairer or place of safety if it is unable to be driven after a loss covered under this policy.
We’ll also pay the temporary storage costs for your damaged vehicle after a loss covered under this policy.
Towing costs
Towing costs
We’ll pay for removing your vehicle to the nearest repairer or place of safety if it is unable to be driven after a loss covered under this policy.
We’ll also pay the temporary storage costs for your damaged vehicle after a loss covered under this policy.
Towing costs
We’ll pay for removing your vehicle to the nearest repairer or place of safety if it is unable to be driven after a loss covered under this policy.
We’ll also pay the temporary storage costs for your damaged vehicle after a loss covered under this policy.
We’ll reimburse travel and accommodation costs to complete your journey or return home following a loss to your vehicle and we’ve accepted your claim. This benefit also extends to any driver authorised by you, passengers and domestic pets travelling in your vehicle. We’ll also pay to return your vehicle home or to your place of work after it has been repaired or recovered, or for you to travel to collect it from the repairer.
Transport costs
Transport costs
Up to $500
We’ll reimburse travel and accommodation costs to complete your journey or return home following a loss to your vehicle and we’ve accepted your claim. This benefit also extends to any driver authorised by you, passengers and domestic pets travelling in your vehicle. We’ll also pay to return your vehicle home or to your place of work after it has been repaired or recovered, or for you to travel to collect it from the repairer.
Transport costs
We’ll reimburse travel and accommodation costs to complete your journey or return home following a loss to your vehicle and we’ve accepted your claim. This benefit also extends to any driver authorised by you, passengers and domestic pets travelling in your vehicle. We’ll also pay to return your vehicle home or to your place of work after it has been repaired or recovered, or for you to travel to collect it from the repairer.
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
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
Optional benefits
We’ll cover loss to your accessories and modifications that are installed in or on your vehicle.
Accessories and modifications
Accessories and modifications
Optional up to $2,000 or $5,000We’ll cover loss to your accessories and modifications that are installed in or on your vehicle.
Accessories and modifications
We’ll cover loss to your accessories and modifications that are installed in or on your vehicle.
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
Additional signwriting cover
Optional up to $5,000 or $10,000We’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.
We’ll pay for you to rent and insure a similar vehicle to your vehicle after a loss that is covered under this policy.
Rental vehicle
Rental vehicle
Optional up to $2,500We’ll pay for you to rent and insure a similar vehicle to your vehicle after a loss that is covered under this policy.
Rental vehicle
We’ll pay for you to rent and insure a similar vehicle to your vehicle after a loss that is covered under this policy.
We’ll pay for loss to your registered and warranted trailer listed on your certificate of insurance.
Trailers
Trailers
Optional up to $3,000We’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.
If you’ve chosen this optional benefit and your claim is only for loss to your windscreen or window glass, your claim will be excess free and you’ll keep your no claims bonus.
Windscreen excess buyout
Windscreen excess buyout
If you’ve chosen this optional benefit and your claim is only for loss to your windscreen or window glass, your claim will be excess free and you’ll keep your no claims bonus.
Windscreen excess buyout
If you’ve chosen this optional benefit and your claim is only for loss to your windscreen or window glass, your claim will be excess free and you’ll keep your no claims bonus.
Commercial vehicle insurance FAQs
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 +684 633 4266 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.
We do, as long as they are driving inside the conditions of their licence.
If 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.
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 make a claim.
Important information: Tower commercial vehicle policies are underwritten by National Pacific Insurance (American Samoa) Limited trading as Tower Insurance.