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How to Cancel Tower Insurance NZ

Tower Insurance requires phone cancellation only - there is no online option. Annual policies receive pro-rata refunds for unused coverage; monthly policies do not qualify for refunds if cancelled outside renewal.

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Quick Facts

Cancel online?
No — phone/letter required
Pause option?
No
Refund policy
Annual policies receive pro-rata refunds from cancellation date to renewal date. Monthly policies have no refund if cancelled outside renewal.
After cancellation
Tower retains policy and personal data for 7 years after cancellation under the Privacy Act 2020. Request deletion or correction via their Privacy Officer.

Cancellation Steps

Go directly to Tower Insurance NZ cancellation page

  1. Gather your policy details

    Log into my.towerinsurance.co.nz, find your policy number and renewal date, and write them down.

  2. Call Tower on 0800 808 808

    Ring Monday-Friday 8am-6pm or Saturday 9am-5pm NZST. Provide your policy number and request cancellation.

  3. Confirm cancellation date and refund eligibility

    Ask whether you qualify for a pro-rata refund and confirm your exact cancellation effective date.

  4. Request written cancellation confirmation

    Ask for email or post confirmation including your policy number, date, and refund amount before hanging up.

Tips & Things to Know

  • Arrange replacement insurance before your cancellation date to avoid being uninsured and liable for claims.
  • Ask about retention discounts during the call - Tower often has unadvertised offers to keep customers.
  • Keep written cancellation confirmation for 3 years to protect yourself if Tower disputes the cancellation later.

Your Consumer Rights

  • Fair Trading Act 1986 (NZ) protects you from misleading or deceptive conduct by Tower Insurance.
  • Privacy Act 2020 (NZ) governs how Tower uses your data and gives you rights to access and correct it.

Frequently Asked Questions

Can I cancel Tower Insurance online?
No. Tower only allows cancellation by phone on 0800 808 808. Online policy management is available, but cancellation requires a phone call.
Will I get a refund when I cancel?
Annual policies get pro-rata refunds for unused coverage. Monthly policies do not qualify for refunds if cancelled outside renewal.
How long until my refund arrives?
Pro-rata refunds process within 5-10 business days after your cancellation date to your original payment account.
When does my coverage end after cancellation?
Coverage ends at midnight on your agreed cancellation date. Arrange replacement insurance beforehand to avoid being uninsured.
How much notice must I give Tower?
Tower typically requires 30 days' notice. Confirm your exact effective cancellation date during the phone call.

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