Welcome to your complete guide to the insurance industry in the Kingdom of Tonga. The market comprises a focused group of licensed insurers and is supervised by the National Reserve Bank of Tonga (NRBT), which ensures providers operate to a high standard.
Whether you need to protect your vehicle, home, or business, or are planning for your family’s future, this guide provides a clear and accurate overview of the key insurance providers available.
How to Choose an Insurance Provider in Tonga
Compare Policy Details: Don’t make a decision based on price alone. Obtain quotes from different providers and carefully compare the policy features, including coverage limits, the excess you would pay on a claim, and any important exclusions.
Verify Licensing: Always choose an insurance company that is licensed to operate in Tonga. This ensures you are protected by the regulations and supervision of the NRBT.
Understand the National Retirement Fund: The National Retirement Benefits Fund (TNRBF) is a crucial part of financial life in Tonga. Understand its social security benefits to see how they complement your private insurance needs.
Tonga Insurers Directory: Find by specialty
Explore our comprehensive list. It includes every major insurance provider operating in Tonga. Click on a category below to instantly filter the directory and find the perfect match. Our interactive guide makes it easy for you to see the options available to you, whether you are looking for car or home insurance, or health funds or specialist business brokers.
- All
- General & Life Insurers
- Other Financial Institutions (Banks)
QBE Insurance Group logo
A comprehensive range of personal, commercial, and marine insurance products is offered.
General & Life Insurers
NATIONAL PACIFIC INS.
They are a leading provider across the Pacific. Operating as National Pacific Insurance, they offer reliable home, auto, and business insurance.
General & Life Insurers
Capital
General & Life Insurers
Carpenters group
A long-standing provider in the Tongan market, offering a range of general insurance products including motor, property, and personal accident cover.
General & Life Insurers
BSP
This prominent bank provides access to general insurance services for its customers, including essential motor, home, and personal accident policies
Other Financial Institutions (Banks)Licensed General & Life Insurers
These are the primary insurance companies licensed to provide a range of policies in Tonga.
- Tonga National Insurance Ltd (TNIL): A state-owned enterprise providing a variety of essential insurance products, including motor vehicle, marine, property, and personal accident coverage.
- Tower Insurance: A leading provider across the Pacific. Operating in Tonga as National Pacific Insurance, they offer reliable home, motor, and business insurance solutions.
- QBE Insurance: A major international insurer with a local branch in Tonga, offering a comprehensive range of personal, commercial, and marine insurance products.
- MBf Carpenters Insurance Ltd: A long-standing provider in the Tongan market, offering a range of general insurance products including motor, property, and personal accident cover.
Bank-Offered Insurance (Bancassurance)
Some of Tonga’s major banks offer insurance products to their customers.
- Bank of South Pacific Limited (BSP) : This prominent bank provides access to general insurance services for its customers, including essential motor, home, and personal accident policies.
National Retirement Fund
This government entity is a mandatory cornerstone of Tonga’s financial security system.
National Retirement Benefits Fund (TNRBF): Tonga’s compulsory superannuation scheme. It is not a general insurer but provides all members with vital retirement, disability, and survivor benefits. It also includes a life insurance component for members.
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