Tower × assembl · an independent concept
The monetised
wait state.
Ninety-two days is your own average to settle a house claim. This concept makes those days visible, valuable, and shorter-feeling — excess credit earned per milestone, one question re-routing triage, every decision still a person’s.
the wait itself,
not a picture of it
July 2026
92 days
Your own published average to fully settle a house claim. This concept does not shorten it — it makes those days visible, valuable and answerable, and every decision still a person’s.
The wait, made visible — and paid.
At a glance — every number carries its source
92 days — average to fully settle a house claim (61 for contents)— Consumer NZ · claims settled Sept 2022 – Aug 2023
8,900 claims from the 2023 floods and Cyclone Gabrielle — “five years’ worth of large-loss claims” in about two weeks— Tower chief claims officer · Insurance Business, Aug 2023
FY25: $600m gross written premium · record $107.2m underlying profit · 318,000 customers— RNZ · 27 Nov 2025
Online claims in My Tower “save an average of five minutes”; photo uploads help validate claims “twice as fast”— tower.co.nz/claims
In the 2023 surge, 35% of enquiries to the insurance ombudsman were about delays — against a 9% norm— IFSO · via Insurance Business
Tower ran Airpoints on premiums for seven years (to March 2024) — earning-on-insurance is proven behaviour with a vacant slot— tower.co.nz Airpoints terms
Every waiting moment, one pattern
Quotecalculating your price
Claim lodgedthe first hour matters most
Documentsread, not queued
Assessmentthe diary, not the queue
Decisiondrafted for a person
Renewalreviewed before it renews
How assembl powers it
01 · intent signalThe agent detects the waitWhat the customer is waiting for, and why it matters now.
02 · honest durationHow long, truthfullyReal steps, real progress — never a wait stretched to fill.
03 · value deliveryWorth the minutesThe work shown as it happens — useful, short, skippable.
04 · value exchangeThe wait paysThe customer earns; one optional question comes back.
This concept is tier 01 of three — the assembling loader. The path: a labelled sponsored chat line, then a joint-venture surface. Full framework: assembl.co.nz/assembling
The exchange
What the customer earnsExcess credit, accrued per verified milestone of the wait — felt exactly where the claim hurts, at settlement. Overflow credits the renewal.
The one question“Is your home safe to live in tonight?” — one tap that re-routes triage: make-safe, accommodation, assessor priority.
What a pilot measures — no projections on this page
Waits completed v. abandonedAgainst your current spinner, on your own traffic.
Value earned and redeemedWhat the waits gave, and who came back to spend it.
Questions answered v. declinedAnd what the answers changed in triage.
Approval, always humanEvery output held for a named person — audited, on the record.