My Experience with Tower.co.nz

Our experience browsing tower.co.nz was largely positive from a user interface and information accessibility standpoint. The site’s design is clean and contemporary, clearly prioritising user-friendliness. Navigating through the various sections, from getting a quote to exploring policy information, felt intuitive and efficient. However, our evaluation focused purely on the usability and information presentation of the website, acknowledging the ethical considerations inherent in the conventional insurance model itself.

Navigating the Homepage and Key Links

The homepage serves as an excellent gateway, providing immediate access to core functionalities.

• Clear Call-to-Actions: The prominent “Get a quote” buttons were impossible to miss and led directly to the bundle builder, suggesting a streamlined path for new customers.
• Effortless Access to Policy Management: Links like “Pay” (https://www.tower.co.nz/manage/ways-to-pay/) and “Claim” (https://www.tower.co.nz/claims/) were easily identifiable in the main navigation, indicating a focus on efficient self-service for existing policyholders.
• “My Tower” Accessibility: The “Log in to My Tower” (https://my.tower.co.nz/auth/login) link was central, making it clear where customers can manage their accounts.
• Informative Headers: The section titles on the homepage, such as “Looking for house insurance?” and “We’re forward thinking,” effectively segment content and guide the user’s attention.
• Quick Links: The various policy type links (House, Car, Contents, etc.) allowed for direct navigation to specific quote pages, improving efficiency for users with clear intentions.

Exploration of Product Information and Details

The site does a commendable job of presenting its diverse product offerings with sufficient detail.

• Specific Product Pages: Clicking on “House” (https://my.tower.co.nz/quote/bundle-builder?pt=house) for example, led to a quote flow tailored for house insurance, providing relevant questions and options.
• Multi-Policy Discount Clarity: The “multi policy discount” section was well-explained, with a clear link to its “Ts&Cs” (https://www.tower.co.nz/terms-and-conditions/multi-policy-discount-terms/mpd/), ensuring transparency regarding the offer.
• Award Highlighting: The showcasing of CANSTAR awards with direct links to the source reports added external validation and made it easy to verify their claims.
• Financial Strength Disclosure: The prominent display of the A- (Excellent) financial strength rating, linked to the investor centre (https://www.tower.co.nz/investor-centre/financial-strength-rating/), instilled confidence in their financial stability.
• Plain Language Promise: While we didn’t review full policy documents, the claim that “Our easy-to-understand policies are plain language certified” sets a positive expectation for clarity in their contractual agreements.

Engagement with Educational Content (Blog)

The “Info, ideas and inspiration” blog section proved to be a valuable resource beyond mere product promotion.

• Relevant Topics: The articles listed, such as “How to save on your insurance” (https://www.tower.co.nz/discover/house/how-to-save-on-your-insurance/) and “House insurance claims after a natural hazard” (https://www.tower.co.nz/discover/disaster/house-insurance-claims-after-a-natural-hazard-event/), directly address common concerns and questions policyholders might have.
• Practical Advice: The content appears to offer practical, actionable advice, positioning Tower as a helpful guide rather than just a sales entity.
• Easy Navigation within Blog: The “Read more” link (https://tower.co.nz/discover/) to the full blog section was clear, allowing for deeper exploration of their educational resources.
• Varied Content: From financial tips to home maintenance, the blog demonstrates a commitment to providing a broader range of useful information for customers.
• SEO Optimisation: The blog topics themselves (“how to save on your insurance”, “your insurance renewal guide”) are highly searched terms, suggesting an intentional SEO strategy to attract and inform users.

Assessment of Trust and Transparency Indicators

Tower.co.nz excels in presenting its credentials and legal standing.

• Trustpilot Integration: The direct link to their Trustpilot reviews (https://www.trustpilot.com/review/www.tower.co.nz) immediately offered external social proof and allowed for an unfiltered view of customer sentiment.
• ICNZ Fair Insurance Code: Membership of the ICNZ and adherence to its Fair Insurance Code (https://www.icnz.org.nz/individuals/about-the-code/) indicates a commitment to industry best practices and ethical conduct within the conventional framework.
• About Us Section: The explicit “About” link (https://www.tower.co.nz/about-us/) promises detailed information about the company’s history, mission, and values, which is crucial for building trust.
• Contact Information: The “Contact” link (https://www.tower.co.nz/contact-us/) provides clear avenues for customers to reach out for support or inquiries, reinforcing accessibility.
• Consistent Branding: The professional and consistent branding throughout the site reinforces the image of a stable and reliable financial institution.

Who Owns Tower.co.nz?