We are one of the oldest and most respected names in insurance in the country and we have taken great pride in providing our customers a truly professional service for more than 120 years.

With our long term involvement in Fiji we are in a position to understand your needs. We have the level of expertise and experience, plus the financial security to ensure those needs are fully met.

The new Tower Insurance range of Premier house Policies is designed to meet your needs and circumstances whatever they may be.

This Premier range has been designed with you in mind and offers a choice of 3 different levels of contents cover.

• Premier Executive
• Super Thrifti Protection
• Basic Thrifti Protection

Regardless of your needs, each level of cover is designed to protect your best interests.

Choose Tower’s new Executive protection and your worries are over - you can rest assured your house will be safely covered.

Remember, Executive Protection provides you with all the house protection you could reasonably need.

It is not confined to any specific event. In fact the cover is so broad that it is difficult to detail all the events it does cover. The list is virtually endless!

• TEMPORARY ACCOMMODATION EXPENSES
If your house suffers damage and is uninhabitable we will pay your temporary accommodation expenses up to $10,000

• GRADUAL DAMAGE
If your house suffers damage through gradual deterioration because of a leaking internal water or waste disposal pipe, we will pay up to $1000 to repair the damage.

• OWNERS LIABILITY PROTECTION
We will pay up to $500,000 for your legal liability

Unlike Executive Protection, Super Thrifti Protection is a restricted type of cover which still provides surprisingly broad protection at reasonable price.

The difference is that Super Thrifti concentrates on the most serious events that may happen. Instead of being covered for everything, your house is being protected against a number of specified events which are all clearly defined.

Super Thrifti Protection covers your house against sudden and accidental loss or damage caused by serious events including fire, explosion and lightning.

It also covers your house against burglary or malicious damage plus damage caused by riot or strikes, damage from falling trees or branches, impact by vehicles, water damage from water or cooling systems, and breakage of glass and bathroom or toilet fixtures - up to the sum insured.

Basic Thrifti Protection provides you with the most basic level of House Insurance for the lowest level of premiums.

Although this cover is more limited than both Executive and Super Thrifti, It still protects your house against fire, lightning, explosion or water leakage from any water or cooling system.

It also gives protection against riot, strikes or malicious damage and impact damage by vehicles, aircraft or animals - up to the sum insured.

• CYCLONE
This option means your house is insured for damage as a result of gale, windstorm, hurricane or cyclone.

• EARTHQUAKE, VOLCANIC ERUPTIONS AND TSUNAMI
This option means your property is insured against loss or damage caused by earthquake, volcanic eruption, subterranean fire or tsunami.

Premier also gives you levels by which you can set the value of your insurance. This value establishes the amount paid out on any total loss claim.

Replacement Value
provides the broadest payback.

Indemnity Value is more restricted.
(The two levels are explained fully below)

• REPLACEMENT VALUE
Replacement Value means we cover the cost rebuilding, replacing or repairing your house to a new condition - up to a maximum of the sum insured.

• INDEMNITY VALUE
This cover is more limited than the Replacement Value. Indemnity Value means that we cover the cost of rebuilding or repairing your house to a condition no better than new, less an appropriate allowance for depreciation and deferred maintenance - up to the sum insured.

Tower Insurance rewards you with discounts in more ways than one. We recognise that some people make fewer claims or take greater care of their property so Tower rewards you with these following discounts.

• NO CLAIMS DISCOUNT
If you haven’t claimed with us for 12 months or 3 years with your present company, you are eligible for a No Claims Discount.

• EXTRA DISCOUNT
We will pay you an Extra Discount after you have been claims free for another year, up to a maximum of 20%.

In order to lower your premium even further, you may volunteer to increase your excess. Ask us to give you quotes at different excess levels.

If you not completely satisfied with your policy, your premium will be refunded within 30 days of the commencement of your cover. (Certain conditions apply)