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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.

Chuffed NZ Travel - Younger vs Older terms and conditions

  1. These terms and conditions ("Terms") apply to the "Chuffed NZ Travel – Younger vs Older" competition ("Competition").
  2. The General Terms above also form part of these Terms.
  3. This Competition commences at 00.01am on 17 March 2021 and ends at 11.59pm on 16 April 2021 ("Competition Period").
  4. To enter this Competition you must:
    a. hold a valid and current New Zealand driving licence;
    b. have signed up for the Tower GoCarma mobile application ("App");
    c. go into the App and join a team in the Younger vs Older Driving Challenge; and
    d. track your trips using the App,
    provided that Tower employees and the employees of Tower’s partners are not eligible to enter this Competition.
  5. There are 50 Chuffed Travel Experience Vouchers per team to be won for this Competition which may be redeemed against a Chuffed ‘Experience for Her’ or ‘Experience for Him’ ("Prizes"). Each Prize is valued at $99 and is valid for 12 months.
  6. The Prizes will be awarded to the top 50 drivers in each team at the end of the Competition Period who have the highest number of kilometres tracked by the App and have achieved an individual trip score of 50 or higher ("Prize Winners"). Only one Prize per Prize Winner is permitted.
  7. The top 5 drivers from each team agree to their kilometres and first name being displayed on the public scoreboard of the leaderboard for the Competition.
  8. Prizes are subject to the terms and conditions of Chuffed, and the terms and conditions of any supplier or service provider relating to Prizes ("Supplier").
  9. Prize Winners will be notified by Tower via email 1 week 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, Tower reserves the right to withdraw the relevant Prize and/or award the Prize to another prize winner.
  10. Determination of Prize Winners will be based on the metrics from the App. 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.
  11. 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.
  12. Prizes are non-exchangeable, non-refundable, non-transferable, non-negotiable and cannot be redeemed for cash.
  13. This Competition is subject to the App’s terms of use which must be read in conjunction with these Terms.
  14. Tower has no liability in respect of any costs (including travel, accommodation or any other expenses) which may be incurred by any Prize Winner, Supplier or other person.
  15. Tower makes no representations or warranties as to the quality, suitability, merchantability, safety or otherwise of any of the products or services offered as Prizes.
  16. Tower is not responsible for any lost, damaged or stolen Prize 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.
  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. You are deemed to have accepted these Terms by joining any team in the Younger vs Older Driving Challenge section on the App.

Free bottle of Pump from Z Energy terms and conditions

  1. These terms and conditions ("Terms") apply to the "Free bottle of Pump from Z Energy" competition ("Competition").
  2. This Competition commences on 00.01 am on 15 Feb 2021 and will end when stock of prizes run out or at 11.59 14 March 2021, whichever is the earliest. ("Competition Period")
  3. You do not need to be a Tower policy holder to enter this Competition.
  4. To be a prize winner for this Competition you must:
    a. Hold a valid New Zealand driving licence;
    b. Be at least 18 years of age or older to be eligible for this Competition; and
    c. Be one of the first 2000 drivers to unlock the 3 badges "Welcome", "Lucky10" and "Cooler" in the GoCarma app ("Prize Winners")
  5. Prize Winners will each receive a voucher to redeem 1 x Pump 750ml bottle ("Prize") to be redeemed at participating Z Energy service stations.
  6. Prize Winners will be sent an email to the email that was used to sign up to the GoCarma with a barcode to scan at participating Z Energy service stations in order to redeem their Prize.
  7. Each barcode can only be scanned once and must be redeemed by 14/3/21.