Cancellation service #1 in New Zealand
Dear Sir or Madam,
I hereby notify you of my decision to terminate the contract relating to the Tower Insurance service.
This notification constitutes a firm, clear and unequivocal intention to cancel the contract, effective at the earliest possible date or in accordance with the applicable contractual period.
Please take all necessary measures to:
– cease all billing from the effective date of cancellation;
– confirm in writing the proper processing of this request;
– and, if applicable, send me the final statement or balance confirmation.
This cancellation is addressed to you by certified e-mail. The sending, timestamping and content integrity are established, making it a probative document meeting electronic proof requirements. You therefore have all the necessary elements to proceed with regular processing of this cancellation, in accordance with applicable principles regarding written notification and contractual freedom.
In accordance with personal data protection rules, I also request:
– deletion of all my data not necessary for your legal or accounting obligations;
– closure of any associated personal account;
– and confirmation of actual data deletion according to applicable privacy rights.
I retain a complete copy of this notification as well as proof of sending.
Cancel Tower Insurance: Easy Method
What is Tower Insurance
Overview
Tower Insurance is a New Zealand insurer offering household, motor, business and other personal insurance products to retail customers.
They provide online account management (MyTower), phone support and a formal complaints process governed by industry codes.
Main focus
Tower focuses on consumer insurance products with online self-service and claims handling for common events like vehicle damage and home loss.
The company follows industry standards such as the Fair Insurance Code and provides escalation paths for unresolved disputes.
How to cancel Tower Insurance
Online via MyTower
- Log in to MyTower (Tower’s online self-service portal).
- Select the policy you want to cancel and follow the account options to submit a cancellation request.
- Confirm the cancellation and keep any on‑screen reference or confirmation email for your records.
Phone, web form or written notice
- Call Tower on 0800 379 372 to request cancellation and ask for a reference number.
- Use Tower’s contact/web form to submit a cancellation request if you prefer not to call.
- If you prefer mail, address correspondence to Tower Insurance Limited, PO Box 90347, Auckland 1142 - verify via MyTower before sending.
What happens when you cancel
Cover end and access
Your cover ends on the cancellation date specified in Tower’s confirmation, or immediately if you request an immediate cancellation.
Keep any confirmation notice; you may need it for proof of cancellation or to manage overlapping cover with a new insurer.
Renewals, records and data
Automatic renewals stop once the policy is cancelled and Tower updates your account records accordingly.
Tower retains policy and claims records as required by law and industry practice; you can ask for copies through their portal or by contacting them.
Will I get a refund?
General refund approach
Tower does not publish a standard 14-day or automatic cooling-off refund policy on its public site for all insurance policies.
When you submit a cancellation request, Tower says they will be in touch about any refund due rather than issuing an automatic, time-stated refund.
Exceptions and past remediation
- Refunds can occur if you have paid beyond the cancelled period or if premiums are adjusted on cancellation.
- Tower has undertaken one-off remediation in the past (for example, refunding customers after a multi-policy discount miscalculation), but this was a specific remediation, not a standing published refund rule.
- Because Tower does not publish a standard cooling-off timeline, ask for expected timing when you cancel and get any promise in writing.
Tower Insurance plans and pricing
Overview of plans
Tower offers common consumer insurance lines such as home (buildings and contents), motor vehicle, and business insurance.
Coverage details and optional extras vary by product, customer circumstances and chosen limits.
Pricing notes
Premiums depend on risk factors like location, property characteristics, vehicle details and claims history.
Because Tower’s prices are personalised, exact typical retail prices are not published here.
| Plan type | Typical cover | Price |
|---|---|---|
| Home & Contents | Buildings, contents, optional add-ons (e.g. natural hazard cover) | Varies |
| Car / Motor | Comprehensive, third party, fire & theft options | Varies |
| Contents-only | Household items protection without buildings cover | Varies |
| Business insurance | Business assets, liability and specialised covers | Varies |
| Travel / Miscellaneous | Travel interruption, personal effects (where offered) | Varies |
Your consumer rights in New Zealand
Fair Insurance Code and internal complaints
Tower follows the Fair Insurance Code which sets minimum standards for conduct, complaints handling and communications.
If you are unhappy with a decision, lodge a complaint via Tower’s complaint form or call 0800 379 372 to begin internal escalation.
External dispute resolution
If Tower’s internal process does not resolve the issue, external dispute resolution through Financial Services Complaints Ltd (FSCL) may be available.
There is no clearly published, statutory 14-day cooling-off period on Tower’s public pages, so clarify cancellation rights from your policy wording or Tower directly.
Customer experiences
Positive feedback
Many customers praise MyTower for ease of use and the ability to cancel or switch vehicle cover online with minimal fuss.
Reviewers also report helpful and patient customer service staff in many routine queries and claim-handling situations.
Common complaints
Some customers report online issues such as quotes that don’t convert to cover or delays when trying to reach a person by phone.
Other recurring complaints include unexplained premium increases, difficulties with payments or refunds, and occasional perceived poor service in complex disputes.
Documentation checklist
Before you cancel
- Policy number, policyholder name and date of birth.
- Reason for cancellation and desired cancellation date.
- Payment receipts, recent statements and proof of alternative cover if needed.
If you expect a refund or dispute
- Copies of premium payments and any direct debit records.
- Correspondence with Tower, confirmation/reference numbers and screenshots from MyTower.
- Policy documents and any evidence supporting refund claims (e.g. discount miscalculation).
Common mistakes
Not confirming cancellation in writing
Relying only on a verbal phone request can lead to uncertainty. Always ask for and keep a written confirmation or reference number.
This reduces the risk of being billed after you intended cancellation to take effect.
Overlapping or gaps in cover
Cancelling a policy without arranging replacement cover can leave you uninsured for a period, which may be costly if a loss occurs.
Also clarify refunds or final charges to avoid surprises such as cancellation fees or prepaid premiums not returned promptly.
Comparative recap
At-a-glance comparison
The table below summarises how Tower’s public position compares to typical practices among New Zealand insurers.
How to use this table
Use it to spot immediate differences you should ask about (for example, refund timelines or published cooling-off rules) when you speak to an insurer.
| Feature | Tower Insurance | Typical other NZ insurers |
|---|---|---|
| Cancellation channels | MyTower, web form, phone 0800 379 372, mail | Online, phone, written notice (varies by insurer) |
| Published cooling-off (14 days) | No standard 14-day cooling-off policy published on public site | Some publish cooling-off details; others manage by policy terms |
| Refund policy / timing | Tower contacts you about refunds; no explicit public timeline | Varies - some insurers publish refund rules, others handle case-by-case |
| Online self-service | MyTower portal commonly praised for ease of use | Most major insurers offer online portals; usability varies |
| Complaints & escalation | Follows Fair Insurance Code; FSCL accessible if unresolved | All major insurers follow industry codes; FSCL or other schemes available |
After cancelling
Next steps
Keep written confirmation of the cancellation and note any dates or refund promises provided by Tower.
Arrange replacement cover if you still need protection and verify overlap or start dates to avoid gaps.
Useful links and contacts
- MyTower / Manage your insurance - login to submit or confirm cancellations.
- Tower complaints & compliments - start internal escalation.
- Financial Services Complaints Ltd (FSCL) - external dispute resolution if needed.
- Phone Tower: 0800 379 372 for cancellations or questions.
Address
Postal address
Tower Insurance Limited, PO Box 90347, Auckland 1142, New Zealand.
Use this address for formal written correspondence such as signed cancellation letters if you choose to post them.
Verify before sending
Always verify mailing addresses and contact methods via MyTower or Tower’s official website before sending sensitive documents.
Keep copies and proof of posting when you send cancellation notices by mail.
Similar cancellation services
FAQ
Important warning regarding service limitations
In the interest of transparency and prevention, it is essential to recall the inherent limitations of any dematerialized sending service, even when timestamped, tracked and certified. Guarantees relate to sending and technical proof, but never to the recipient's behavior, diligence or decisions.
Please note, Postclic cannot:
- guarantee that the recipient receives, opens or becomes aware of your e-mail.
- guarantee that the recipient processes, accepts or executes your request.
- guarantee the accuracy or completeness of content written by the user.
- guarantee the validity of an incorrect or outdated address.
- prevent the recipient from contesting the legal scope of the mail.