Promotions terms and conditions

Promotion terms and conditions

  1. By entering this competition/promotion you agree to and accept all these Promotion Terms and Conditions, as well as the Terms and Conditions below of the relevant competition or promotion
  2. Multiple policy discounts exclude business, commercial vehicle, travel, and some cover under rural policies, GST, government levies and some Optional Special Benefits. Discount varies depending on total number/type of insurance policies you have with Tower
  3. Policy terms, conditions and exclusions, and normal underwriting criteria apply
  4. Information on how to enter the promotion and all instructions appearing on TV, radio, printed material or websites will form part of the Promotion Terms and Conditions for entry into these competitions and promotions. To the extent of any inconsistency in the information shown on the TV, printed material or websites, these Promotion Terms and Conditions will prevail
  5. Under the Privacy Act 1993, all individuals have the right to access and correct their personal information held by Tower. Personal data will not be sold or passed onto third parties
  6. 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 unsubscribe@tower.co.nz
  7. These offers are open to all New Zealand permanent residents. However Tower employees and Tower alliance partners are ineligible to enter
  8. Tower reserves the right to change applicable terms and conditions for a competition or promotion at any time provided that no participant is prejudiced by the change.

Multi-policy discount 

  1. Discount may exclude travel, commercial vehicle, business and some cover under rural policies, GST, government levies and some optional special benefits.
  2. Discount may vary depending on the total number and type of insurance policies with Tower.
  3. Multi-policy discount may be referred to as 'package discount' in some customer documentation.

Tower Insurance Facebook Competitions

  1. The Promotion Terms and Conditions above apply to all Tower Insurance Facebook post competitions (each a ‘Facebook Competition’).
  2. By entering a Facebook Competition you agree to be bound by these terms and conditions.
  3. To be eligible for entry into a Facebook Competition you must: a) follow all instructions outlined in the relevant Facebook Competition post; and b) be a New Zealand permanent resident.
  4. Each Facebook Competition will be open for entry until the closing date stipulated in the relevant Facebook Competition post (‘Closing Date’) and subject to any conditions or instructions stated in the relevant Facebook Competition post. Any entries outside of the stipulated entry period will not be accepted and Tower does not accept any responsibility for late, lost or misdirected entries.
  5. To the extent of any inconsistency between these terms and conditions and in the information shown on a Facebook Competition post, these terms and conditions will prevail.
  6. Only one entry per Facebook member is permitted, unless stated otherwise on the Facebook Competition post.
  7. A random draw to determine the winner for each Facebook Competition will take place on the Closing Date, unless stated otherwise on the post itself.
  8. Winners will be announced by Tower in the comments for the relevant Facebook Competition post as soon as reasonably practicable after the competition ends.
  9. The winner must message Tower to accept the relevant prize within 5 working days once they’ve been announced as detailed in point 8. If the winner does not message Tower within that timeframe, Tower may, at their discretion, arrange for another random draw to determine a new winner for the Facebook Competition or withdraw the prize.
  10. The prize for each Facebook Competition will be detailed in the relevant Facebook Competition post. Prizes are non-exchangeable or transferable and cannot be redeemed for cash.
  11. By uploading or submitting content (such as text, data, images, photos or names) (‘Content’) to a Facebook Competition, you acknowledge that you have right to use, upload and/or submit the Content.
  12. By entering a Facebook Competition you grant Tower the right to use the Content and your personal information (including name, city or town) for publicity purposes in connection with this promotion and agree to Tower’s use of your personal information to contact you in relation to the Facebook Competition.
  13. Tower will not be liable for any loss, claim, cost, expense, liability or injury (‘Loss’) suffered by any person in any way associated with a Facebook Competition including as a result of entry into a Facebook Competition or winning a Facebook Competition prize, except where such Loss cannot be excluded by law.
  14. Tower’s decision on all matters relating to a Facebook Competition is final and no correspondence will be entered into.
  15. Tower reserves the right to change applicable terms and conditions of a Facebook Competition at any time, provided that no participant is prejudiced by the change.
  16. Facebook Competitions are in no way endorsed, sponsored, administered by, or associated with, Facebook, and you fully release Facebook from any liability or responsibility for in connection with a Facebook Competition.

How much could your address save you?

  1. The Promotion Terms and Conditions apply to the “How much could your address save you? Campaign.
  2. Standard policy terms and conditions apply
  3. Findings based on a sample of 500 randomly selected Auckland addresses. Online quotes compared Tower Plus House Insurance to comparable AMI, State and AAI insurance product between 25/10/2018 – 29/10/2018 using the closest excess to Tower’s lowest available online excess of $500.
  4. Savings depicted are representative only and are based on a per annum saving
  5. Tower Insurance does not guarantee savings on house insurance premiums
  6. The amount of / if any potential savings on a house insurance premium will differ by individual Auckland address
  7. Quotes from Tower may be obtained online or by phone

Online discount

  1. The online discount is a discount off the first year’s company premium for each eligible car, house and contents insurance policy purchased online.
  2. Eligible policies are Standard, Plus, Premium and Landlord’s Plus House Insurance; Standard, Plus and Premium Contents Insurance; Comprehensive, Third Party Fire and Theft and Third Party Car Insurance acquired on Tower Insurance website.
  3. Cover4Travel is not eligible for the discount.
  4. Tower reserves the right to change or remove the offer at any time without notice.
  5. The discount will be fixed on the day you purchase your policy.
  6. A 10% discount applies to the company premium for all eligible policies sold online. As the company premium excludes road wise, taxes and government levies, the total discount will vary and may be less than 10%.
  7. If any other discounts are being applied, discounts will be applied incrementally.
  8. Standard policy terms, conditions, exclusions and underwriting criteria apply.

Air New Zealand Airpoints™ home movers offer

  1. The Promotion Terms and Conditions above apply to the “Air New Zealand Airpoints™ home movers offer” campaign.
  2. To be eligible for this offer you must have received an email from Air New Zealand with this offer and have taken out before 31 August 2019, 11.59pm (NZ time):
    1. a new Tower Insurance House standard, House plus, House premium or House landlord’s plus policy; and/or
    2. a new Tower Insurance Contents standard, Contents plus or Contents premium policy, online using the link provided in that email
  3. Such policy/ies must be active at the time we apply your 50 Airpoints Dollars™.
  4. FinTel, Trade Me Insurance, Kiwibank, TSB, Westpac, ASB and ANZ policies are not eligible for this offer.
  5. 50 Airpoints Dollars will be awarded per eligible house and contents policy/ies taken out.
  6. Tower’s decision is final with respect to all matters relating to this offer and no further correspondence or discussions will be entered into.
  7. The Airpoints Dollars are not transferable and cannot be exchanged for cash.
  8. Please allow up to 30 days from Tower’s receipt of the premium payment for your new eligible policy/ies to receive your Airpoints Dollars.
  9. This offer is valid until 31 August 2019, 11.59pm. Tower reserves the right to change the terms and conditions for this offer at any time provided that no participant is prejudiced by the change.
  10. Tower Airpoints terms and conditions apply.
  11. Air New Zealand Airpoints terms and conditions apply.
  12. All personal information collected will be held by Tower in accordance with the Privacy Act 1993 and Tower’s privacy policy.
  13. By entering into this offer you accept these terms and conditions.

‘Switch to direct debit or recurring credit/debit card’ $250 Prezzy® card monthly draw terms and conditions

  1. The Promotion Terms and Conditions above apply to this monthly draw.
  2. To enter the monthly draw, you must:
    1. be a Tower customer with an active Tower policy (other than a Tower Travel, Commercial, or Rural policy); and
      1. be paying for your policy premiums via direct debit or recurring credit/debit card; or
      2. switch your payment method for an eligible policy to direct debit or recurring credit/debit card.
  3. Trade Me Insurance, Westpac, ASB and ANZ policies are not eligible for this draw.
  4. The monthly prize is a $250 Prezzy® card.
  5. The prizes are not transferable and cannot be exchanged for cash.
  6. One prize winner will be drawn each month, from all eligible entries from the previous month.
  7. The first draw will take place in the first week of July 2019, and the last draw in the first week of October 2019.
  8. The winner will be notified by Tower via the email address or contact details in your customer account.
  9. By winning a prize, you grant Tower the right to use your personal information (including name, city or town) for publicity purposes on our website and social media pages in connection with this draw.
  10. This draw is in no way sponsored, endorsed or administered by, or associated with Prezzy® card.
  11. Prezzy® cards terms and conditions also apply.
  12. If for any reason Tower cannot contact the prize winner within 7 days of the winner being announced, Tower reserves the right to redraw or withdraw the relevant prize.
  13. Tower’s decision is final with respect to all matters relating to this draw and no further correspondence or discussions will be entered into.
  14. Tower reserves the right to change applicable terms and conditions for this draw at any time.
  15. By entering into this draw you are deemed to have accepted these terms and conditions.

September Airpoints™ Offer Campaign

  1. The Promotion Terms and Conditions above apply to the “Win one of two 1,000 Airpoints Dollars™” campaign.
  2. Entries open 3 September 2019 and close 11.59pm 30 September 2019 (“Promotion Period”).
  3. To enter this draw, you must:
    1. be aged 18 or older;
    2. comply with Tower terms, conditions and normal underwriting criteria;
    3. receive the email offer from Air New Zealand and take out a new eligible Tower policy (as referred to in paragraph 4) online during the Promotion Period;
    4. have an active Tower policy at the time the winners are drawn; and
    5. have registered your Air New Zealand Airpoints number with Tower by 30 September 2019.
  4. Winners may need to allow up to 30 working days from the date Tower contacts them to receive their prize.
  5. Eligible policies are Tower Insurance House, Contents, Car or Landlords policies, other than any policy listed in paragraph 5.
  6. FinTel, Trade Me Insurance, Kiwibank, TSB, Westpac, ASB and ANZ policies are not eligible for this draw.
  7. You will receive one entry per eligible policy purchased during the Promotion Period.
  8. There are two prizes of 1,000 Airpoints Dollars.  The prizes are not exchangeable or transferable and cannot be taken for cash.
  9. Two prize winners will be drawn at random from all valid entries in October 2019.
  10. The winners will be notified by Tower via the email address or phone number on record.
  11. If for any reason Tower cannot contact a prize winner within one week of the winner being drawn, Tower reserves the right to withdraw the prize and/or redraw a new prize winner at random.
  12. By entering this draw, each winner grants Tower the right to use their personal information (including name, address and/or photograph) for publicity purposes in connection with this draw on Tower’s website and/or social media pages. 
  13. Tower’s decision is final with respect to all matters relating to this draw and no further correspondence or discussions will be entered into.
  14. Tower reserves the right to change applicable terms and conditions for this draw at any time.
  15. Air New Zealand’s legal terms and conditions apply, which are available at www.airnewzealand.co.nz/legal-terms-and-conditions.
  16. By entering this draw you are deemed to have accepted these terms and conditions.