Your multi-award winning TOWER
Protection Policy is now even better!

We want you to receive the very best from your TOWER Protection Policy, that’s why we’ve made a number of improvements to the policy benefits. Each of these improvements came into effect on 1 April 2008 and are described in detail in this booklet.

The TOWER Protection Policy is an umbrella for four types of insurance plans.

The number of insurance plans you own will depend on your insurance needs at the time of purchase.

This booklet contains details of the improvements we have made to each plan, however you only need to read about the improvements made to the plans that you own (details of which can be found on the Policy Schedule you received when you bought your insurance).

It is worth noting that each improved policy definition will replace its predecessor. This means the information in this booklet which applies to your insurance plans will now form part of your TOWER Protection Policy, if your TOWER Protection Policy was issued under a Product Disclosure Statement issued on or after 2 April 2007.

So if you ever make a claim if the future, the definitions outlined in this booklet will apply. If you are currently on claim, or if you make a claim based on existing medical conditions the old definition will apply. But you don’t need to do anything, our claims team has all your new and old policy details on file.

As some of the improvements can get very technical, we’ve included a ‘benefits in a nutshell’ summary towards the front of the booklet that explains each benefit change in every day language.

However, the actual policy terms and conditions are the ones that will apply to your insurance policy, so we’ve included them as well. These can be found towards the back of the booklet in the ‘long and legally binding section’.

At TOWER your peace of mind is our priority. Now surely that’s a reason to smile.

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