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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 500 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 500 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.

Unlock & Win! terms and conditions

  1. These terms and conditions ("Terms") apply to the "Unlock & Win!" promotion ("Promotion").
  2. The General Terms above also form part of these Terms.
  3. This Promotion commences at 00.01am on 8 June 2021 and ends at 11.59pm on 8 August 2021 ("Promotion Period").
  4. To enter this Promotion you must during the Promotion Period:
    a. hold a valid and current New Zealand driving licence;
    b. have signed up for the Tower GoCarma mobile application ("App");
    c. have tracked your trips using the App; and
    d. have unlocked the welcome badge, first trip badge and week streak badge (together, the "Badges") in accordance with clause 5 below, provided that Tower employees and the employees of Tower’s partners are not eligible to enter this Promotion.
  5. The Badges will be unlocked after you have:
    a. in the case of the welcome badge, signed up to the App;
    b. in the case of the first trip badge, tracked your first trip on the App; and
    c. in the case of the week streak badge, made at least 5 trips including your first trip, in a week during the Promotion Period, with a maximum of 1 trip per day. You must have driven a distance of more than 2 kilometres during each such trip, as tracked on the App.
  6. There are 110 Uber Eats vouchers to be won for this Promotion ("Vouchers"). Each Voucher is valued at $20 and is valid only for an order placed within New Zealand using the Uber Eats mobile application. Limited availability and one-time use only.
  7. No Voucher can be redeemed for goods or services outside of the Uber Eats mobile applications. Once redeemed, the Voucher value is not transferable to any other Uber accounts, users or products. You will not receive any value or credit for any unused portion of any Voucher.
  8. Each Voucher will expire on 15 December 2021.
  9. The Vouchers will be awarded to 110 drivers on the App who have unlocked all three Badges during the Promotion Period in accordance with these Terms and meet the other eligibility criteria in clause 4 above.
  10. Vouchers are subject to the terms and conditions of Uber, and the terms and conditions of any supplier or service provider of products, goods and/or services relating to the Vouchers.
  11. The winners of the Vouchers ("Winners") will be notified by Tower via email 1 week after the end of the Promotion Period and will be provided with the details on how to claim their Voucher. If, for any reason, Tower cannot contact any Winner, Tower reserves the right to withdraw the relevant Voucher and/or award the Voucher to another person.
  12. Only one Voucher per Winner is permitted.
  13. Determination of the Winners will be based on the metrics from the App. Tower reserves the right to disqualify any person at any time who, in Tower’s opinion, behaves fraudulently or in a manner which prejudices the fairness and integrity of the Promotion.
  14. Each Winner grants Tower the right to use their personal information (including name and address) for marketing and publicity purposes in connection with this Promotion on Tower’s website, social media networks and/or Tower communications.
  15. If you are a Winner and receive a Voucher, the relevant voucher code must be applied to the payment section of the Uber Eats mobile application prior to requesting the intended order to redeem the maximum discount of $20. Each Voucher is limited to one code per person and can only be used by the first person who redeems the code. Any issues involving redemption and/or use of the Vouchers should be directed to Tower at marketing@tower.co.nz.
  16. Vouchers are non-exchangeable, non-refundable, non-transferable, non-negotiable and cannot be redeemed for cash.
  17. Vouchers must be used for personal use only, and cannot be resold or combined with any other promotions or discounts.
  18. This Promotion is subject to the App’s terms of use which must be read in conjunction with these Terms.
  19. Tower has no liability in respect of any costs (including travel, accommodation or any other expenses) which may be incurred by any Winner or other person.
  20. Tower makes no representations or warranties as to the quality, suitability, merchantability, safety or otherwise of any of the products, goods or services in connection with the Vouchers.
  21. Tower is not responsible for any lost, damaged, or stolen Voucher or any problems or technical malfunction of any telephone or communication network, computer online systems or equipment, software, or traffic congestion on the internet or at any website or mobile application.
  22. This Promotion 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 Promotion.
  23. You are deemed to have accepted these Terms by tracking your trips and unlocking the Badges on the App.

GoCarma 'Winter Woollies vs Summer Sunnies' terms and conditions

  1. These terms and conditions ("Terms") apply to the "Winter Woollies vs Summer Sunnies” competition ("Competition"). The 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 05 July 2021 and ends at 11.59pm on 05 August 2021 (“Competition Period").
  4. To enter this Competition, you must during the Competition Period:
    a) hold a legal 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 "Winter Woollies vs Summer Sunnies” driving challenge; and
    e) track your trips using the App. Each such trip over 50 points will count towards your overall score.
  5. Tower employees and the employees of Tower’s partners are not eligible to enter this Competition.
  6. There are two prizes of 500 Airpoints DollarsTM each to be won in this Competition (“Prizes”).
  7. The Prizes will be awarded to the top driver in each team at the end of the Competition Period who has the highest average trip score tracked by the App on individual trips with a score of at least 50 or higher (“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 Air New Zealand AirpointsTM terms and conditions, and the terms and conditions of any other supplier or service provider relating to the Prizes.
  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. The Prize Winner will be awarded 500 Airpoints Dollars™ to their Airpoints account within 30 days from the date on which the Prize Winner confirms their valid Airpoints number to Tower.
  12. 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.
  13. 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.
  14. Prizes are non-exchangeable, non-refundable, non-transferable, non-negotiable and cannot be redeemed for cash.
  15. This Competition is subject to the terms of use relating to the App which should be read in conjunction with these Terms.
  16. Tower has no liability in respect of any costs or expenses which may be incurred by either Prize Winner or any other person.
  17. Tower makes no representations or warranties as to the quality, suitability, merchantability, safety or otherwise of any Prizes.
  18. 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 or any Prize.
  19. Tower will not be responsible for replacing any lost, damaged or stolen Prize.
  20. 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.
  21. Tower reserves the right to amend these Terms, or change or cancel this Competition, at any time without notice.
  22. You are deemed to have accepted these Terms by joining either team in the Competition in the challenges section on the App.