Tower Limited is a New Zealand-based company, which is engaged in the provision of general insurance. The Company operates in two geographical segments: New Zealand and the Pacific region. The New Zealand segment consists of general insurance business written in New Zealand. The Pacific Islands segment includes general insurance business with customers in the Pacific Islands written by Tower Insurance Limited subsidiaries and branch operations. The Company offers car insurance, content insurance, house insurance, business insurance, travel insurance and others. Its Other insurances include motorbike insurance, boat insurance and caravan insurance It offers a mobile application, SmartDriver, which help users manage their driving by giving them tips along the way. SmartDriver application collects basic driving information through the sensors within users' smartphone, including the accelerometer and the global positioning system.