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 Motor Vehicle Policies is designed to meet your needs and circumstances whatever they may be.

The Premier range of motor vehicle insurance offers you some special features that are common to our three different levels of protection. Whether you choose the “Executive”, “Basic Thrifti” or “Super Thrifti” Protection Cover you are automatically entitled to these benefits.

• MONEY BACK GUARANTEE
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)

• SALVAGE COSTS
If your vehicle is unable to be driven after an accident and we have accepted the claim, we will pay reasonable cost of removal to the nearest vehicle repairer.

• DELIBERATE LOSS OR DAMAGE
If your vehicle is being shipped between ports in Fiji, we will pay for any contributory costs you may have incurred due to deliberate loss or damage to prevent the loss of a ship and/or cargo.

• LEGAL LIABILITY COVER
We will pay for your legal liability arising from loss or damage to the property of others, which has been caused by your vehicle (certain conditions apply and different limits apply).

This is one of the best in the business! The name says everything. Executive Protection provides you with the maximum amount of motor protection you could reasonably need..

It gives you an excellent standard of cover if you have a quality vehicle which requires an above average level of protection.

The following are examples of additional Executive Protection cover.

• NO CLAIMS BONUS PROTECTION
Should you need to make a claim and have enjoyed a No Claims Bonus for a continuous period of 5 years prior to your accident, then we will give you another chance and you will keep your No Claims Bonus.

• WINDSCREEN AND WINDOW GLASS BREAKAGE EXCESS FREE
Windscreen and window glass breakages are covered for no extra cost and should a breakage occur, you would not pay any excess or lose your No Claims Bonus.

• LEGAL EXPENSES
If as a result of any accident for which a claim is payable under your policy you are charged with careless use, dangerous driving or dangerous driving causing death, we will pay up to $1,200 for legal costs toward your defence.

• $500 RENTAL AFTER THEFT
If your car is stolen, we will pay for you to have a similar vehicle for a maximum of 7 days or $500.

• $500 ACCOMMODATION AND TRAVEL COSTS
We will pay for reasonable accommodation and travel costs up to $500 to help you complete your journey following an accident involving your vehicle for which claim is payable.

• AUTOMATIC INSURANCE FOR REPLACEMENT VEHICLES
If you advise us within 14 days of the purchase, Executive Protection automatically insures your replacement vehicle, subject to the terms and conditions of your existing policy.

• MEDICAL OR DENTAL COSTS
If you suffer any injury following an accident involving your vehicle for which a claim is paybale we will pay medical and dental costs up to $600.

• TOTAL REPLACEMENT OF NEW VEHICLE
If your vehicle is less than a year old and it is a total loss then we will repace your vehicle with a new vehicle of the same make and model (subject to local availability).

• $1,500 RENTAL EXPENSES
We will pay the cost up to $1,500 of hiring a vehicle similar to your own if your vehicle is unable to be driven as a result of an accident or theft.

This level of protection is perfect for the budget conscious person who still requires a sensible amount of insurance.

Super Thrifti protects you against accidental loss or damage to your vehicle and the accidental damage to other peoples property which has been caused by your vehicle.

• WINDSCREEN & WINDOW GLASS BREAKAGES EXCESS FREE
If you choose this Optional Extra, windscreen and window glass breakages are covered and no excess will apply.

Basic Thrifti Protection is a more restricted type of cover than either the “Executive” or Super Thrifti” options. It is the ideal choice if you are basically more concerned about damaging other people’s property and want a little protection of your own.

Thrifti is basic motor insurance cover which protects you against:

• FIRE AND THEFT
We will pay for the damage to your car caused by fire, theft or illegal conversion.

• $3,000 AUTOMATIC UNINSURED PROTECTION
If your vehicle is damaged in an accident, we will pay up to $3,000. If this damage is caused by someone who is uninsured (certain conditions apply).