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GoCarma by Tower Terms and Conditions

See the GoCarma Terms of Use and GoCarma Privacy Policy

GoCarma excess discount terms and conditions

  1. These terms and conditions ("Terms") apply to the "GoCarma excess discount" Offer ("Offer"). 
  2. In these Terms, "Tower" means Tower Limited. 
  3. This Offer commences on 12.01am on 6 December 2020 and will run until terminated in accordance with these Terms. 
  4. To be eligible for this Offer you must:
    a) Have a current and eligible Tower branded motor policy, or be a named driver on a current and eligible Tower motor insurance policy; and
    b) Be at least 18 years of age; and
    c) Be legally able to drive in New Zealand; and
    d) Have driven a minimum of 250 kilometres over at least 10 trips tracked on the GoCarma app ("the App") to obtain an overall driving score ("Score") for all trips taken. (together "the Eligibility Criteria")
  5. A person who meets the Eligibility Criteria is an eligible individual ("Eligible Individual"). Eligible Individuals will be awarded a discount ("Discount") that corresponds to their Score on the App. There are three levels of Discounts:
    a) Bronze award: $100 off standard excess with a Score on the App between 70 to 79
    b) Silver award: $200 off standard excess with a Score on the App between 80 to 89
    c) Gold award: $300 off standard excess with a Score between 90 and 100 
  6. The Discount is personal to the Eligible Individual, and will be applied off the standard excess that would normally be payable for a valid motor vehicle claim where they were in control of a vehicle for which they are policyholder or named driver on a current and eligible Tower motor insurance policy. 
  7. Exclusions:
    a) The Discount can be applied for all valid claims, except windscreen or window glass only claims, which are covered by a Tower motor insurance policy. Tower Commercial vehicle, FinTel, Trade Me Insurance, Kiwibank, TSB, Westpac, and ASB motor vehicle policies are excluded from this Offer.
    b) This Discount is not able to be applied to any additional (non-standard) excesses that may be applicable. 
  8. The applicable Discount to the excess will be applied at claims time and cannot be redeemed for cash, or any other type of refund. 
  9. The Discount is able to be used in respect of any eligible motor vehicle claim by Eligible Individuals for 6 months from the date that it was awarded. 
  10. Once a Discount has been awarded to an Eligible Individual, that individual can move to a higher Discount award after having driven another 250 kilometres (minimum) over at least another 10 trips and they obtain a higher average score that allows them to move into a different discount award level.
  11. Tower insurance policy terms, conditions and exclusions and underwriting criteria apply in respect of all eligible policies. 
  12. This promotion is bound by the laws of New Zealand and any disputes will be subject to the exclusive jurisdiction of the courts of New Zealand. 
  13. You are deemed to have accepted these Terms by downloading the App and having an eligible policy. 
  14. Tower reserves the right to amend these Terms or change or cancel this promotion at any time without notice. 
  15. If the Offer is cancelled, Eligible Individuals who have been awarded a Discount as a result of the Offer will retain that Discount and be able to use it against a claim for a period of 6 months from the date they were awarded it. 
  16. The GoCarma and Tower terms and conditions apply and should be read in conjunction with these Terms.

Promotion terms and conditions

  1. These terms and conditions (Terms) apply to all GoCarma app (The App) promotions, competitions and offers listed below.
  2. In these Terms, Tower means Tower Limited (Tower), at times referred to "we" or "us".
  3. All promotions, competitions and offers are only open to residents of New Zealand aged at least 18 years.
  4. By entering or taking up any Tower competition, promotion or offer or taking out a policy in order to do so, you agree to and accept all these corresponding Terms and Conditions as well as the specific Terms and Conditions found below for the relevant competition, promotion or offer, and the Terms and Conditions for The App.
  5. Where relevant, Tower policy terms, conditions, exclusions and underwriting criteria apply in respect of all eligible policies.
  6. Information on how to enter the promotion, and all instructions appearing on advertisements, printed material or websites will form part of the promotion Terms and Conditions for entry into these competitions and promotions and offers. To the extent of any inconsistency in the information shown on the advertisements, printed material or websites, these Promotion Terms and Conditions will prevail.
  7. All information submitted by you in respect of any promotion, competition or offer becomes the property of Tower. Tower will collect, hold and use your personal information in accordance with the Privacy Act 2020 and any Act that Repeals or replaces it, and our Privacy Policy.
  8. In accordance with the applicable Privacy laws, all individuals have the right to access and correct their personal information held by Tower.
  9. From time to time Tower may also use your information to provide you with communications updating you on the full range of services it offers. If you do not want to receive this information please let us know at any time by calling Tower on 0800 379 372 or by emailing gocarma@tower.co.nz.
  10. Where a prize is to be given, Tower reserves the right to request winners of any prizes to provide proof of identity, proof of residency at the nominated prize delivery address and/or proof of entry validity. In the event that such proof is not provided by the prize winner, or is not satisfactory to Tower, then that prize winner shall forfeit their rights to any prize.
  11. Tower employees and employees of Tower’s Partners are not eligible to enter this Competition.
  12. Where a prize is to be given, the prizes are non-exchangeable, non-refundable, non-transferable, non-negotiable and cannot be redeemed for cash.
  13. Tower reserves the right to change, suspend or cancel applicable terms and conditions for a competition, promotion or offer at any time.
  14. Where a benefit has already been promised, Tower will honour it on the same Terms as were promised in the Terms prior to the change, suspension or cancellation.
  15. Tower will not be liable for any loss, claim, cost, expense, liability or injury suffered by any person in any way associated with any promotions, competitions or offers, or for any Prizes, except where such loss cannot be excluded by law.
  16. This Promotion is bound by the laws of New Zealand and any disputes will be subject to the exclusive jurisdiction of the courts of New Zealand.

$50 off with the GoCarma promo code terms and conditions

  1. These terms and conditions ("Terms") apply to the "$50 off with the GoCarma promo code" campaign ("Promotion"). 
  2. In these Terms, "Tower" means Tower Limited. 
  3. This Promotion commences at 12.01am on 6 December 2020 and will run until terminated in accordance with these Terms (“Promotion Period”). 
  4. To be eligible for this Promotion you must purchase a new Eligible Policy ("Policy”) through the Tower website and use the promo code: GOCARMA50 upon payment for the Policy during the Promotion Period. Tower employees and employees of Tower alliance partners cannot use this Promotion. 
  5. The promo code GOCARMA50 cannot be used in conjunction with any other promotion(s) except the Tower Insurance Multi Policy Discount if applicable. 
  6. NZ$50 will be deducted from your total premium in respect of the first year only for each Eligible Policy purchased in accordance with these Terms. 
  7. Eligible Policies are Tower Standard, Plus, Premium and Landlord’s Plus House Insurance; Tower Standard, Plus and Premium Contents Insurance; Tower Comprehensive, Third Party Fire and Theft, Third Party and Commercial Vehicle Insurance purchased in accordance with these Terms but exclude:
    Tower Cover4Travel; and
    FinTel, Trade Me Insurance, Kiwibank, TSB, Westpac, and ASB policies, and policies purchased through our advisor network. 
  8. Tower reserves the right to amend these Terms or change or cancel this Promotion at any time without notice. 
  9. Eligible Policy terms, conditions and exclusions and underwriting criteria apply. 
  10. You are deemed to have accepted these Terms by purchasing a new Eligible Policy in accordance with these Terms. 
  11. This Promotion is bound by the laws of New Zealand and any disputes will be subject to the exclusive jurisdiction of the courts of New Zealand.

GoCarma 'EVs and Hybrids vs Petrol and Diesel' terms and conditions

  1. These terms and conditions ("Terms") apply to the 'EVs and Hybrids vs Petrol and Diesel' competition ("Competition"). The General Promotion terms and conditions above also form part of these Terms.
  2. In these Terms, "Tower" means Tower Limited.
  3. This Competition commences at 00.01am on 01 November 2021 and ends at 11.59pm on 22 January 2022 (“Competition Period").
  4. To enter this Competition, you must during the Competition Period:
    a) hold a current and valid  licence to drive in New Zealand and comply with any conditions of your licence;
    b) be at least 18 years of age;
    c) be a registered user of the Tower GoCarma mobile application ("App");
    d) join a team in the GoCarma ‘EVs and Hybrids vs Petrol and Diesel’ driving challenge;
    e) track your trips using the App. Each such trip with an overspeeding score of 0% and an individual trip score over 50 points will count towards your overall score; and
    f) comply with the COVID-19 Alert Level rules for your region while participating in the Competition.
  5. Tower employees and the employees of Tower’s partners are not eligible to enter this Competition.
  6. There are 20 prizes of $100 MTA vouchers each to be won in this Competition (“Prizes”).
  7. The Prizes will be awarded to the top 10 drivers in each team at the end of the Competition Period who have the highest number of kilometres tracked by the App on individual trips with an overspeeding score of 0% and an individual trip score over 50 points (“Prize Winners”). Only one Prize per Prize Winner is permitted.
  8. The top 5 drivers from each team agree to their score and first name being displayed on the public scoreboard of the leaderboard for the Competition.
  9. Prizes are subject to MTA terms and conditions, and the terms and conditions of any other supplier or service provider relating to the Prizes (if any).
  10. Prize Winners will be notified by Tower via email 2 weeks after the end of the Competition Period and will be provided with the details on how to claim their Prize. If, for any reason, Tower cannot contact any Prize Winner within 2 weeks after the end of the Competition Period, Tower reserves the right to withdraw the relevant Prize and/or award the Prize to another Prize Winner.
  11. Determination of Prize Winners will be based on the metrics from the App. In the event of any dispute, Tower’s decision is final and binding and no correspondence will be entered into. Tower reserves the right to disqualify any individual at any time who, in Tower’s opinion, behaves fraudulently or in a manner which prejudices the fairness and integrity of the Competition.
  12. Each Prize Winner grants Tower the right to use their personal information (including name and address) for marketing and publicity purposes in connection with this Competition on Tower’s website, social media networks and/or Tower communications. Please refer to Tower’s Privacy Policy for more information.
  13. Prizes are non-exchangeable, non-refundable, non-transferable, non-negotiable and cannot be redeemed for cash. Tower will not be responsible for replacing any lost, damaged or stolen Prize.
  14. This Competition is subject to the terms of use relating to the App which should be read in conjunction with these Terms.
  15. Tower has no liability in respect of any costs or expenses which may be incurred by either Prize Winner or any other person.
  16. Tower is not responsible for any problems or technical malfunction of any telephone network or lines, computer online systems, communication network, computer equipment, software, technical problems or traffic congestion on the internet or at any web site or mobile application in connection with this Competition, the App or any Prize.
  17. This Competition is in no way sponsored, endorsed, administered by or associated with Facebook or Instagram, and you fully release Facebook and Instagram from any liability or responsibility for or in connection with this Competition.
  18. Tower reserves the right to amend these Terms, or change or cancel this Competition, at any time without notice.
  19. You are deemed to have accepted these Terms by joining either team in the Competition in the challenges section on the App.