Promotions terms and conditions

Promotion terms and conditions

  1. These terms and conditions (Terms) apply to all 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 you agree to and accept all these Promotion Terms and Conditions, as well as the specific Terms and Conditions found below for the relevant competition, promotion or offer.
  5. Where relevant, policy terms, conditions and exclusions, and normal underwriting criteria apply.
  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 unsubscribe@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 reserves the right to change, suspend or cancel applicable terms and conditions for a competition, promotion or offer at any time. 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.
  12. If for any reason any competition, promotion or offer is not capable of running as planned, Tower may suspend, cancel or modify this Promotion.
  13. 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.
  14. All competitions, promotions or offers are subject to their individual specific terms as listed below.
  15. 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.

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.

$50 off when you buy online with the promo code

  1. These terms and conditions ("Terms") apply to the "$50 off when you buy online with the promo code" campaign ("Promotion").
  2. In these Terms, "Tower" means Tower Limited and all Tower group companies, being its related companies as defined in the Companies Act 1993 (also referred to as "we", "us" or "our").
  3. This Promotion commences at 12pm on 30th October 2020 and will run for a limited time only ("Promotion Period").
  4. To be eligible for this Promotion you must purchase a new eligible policy through the Tower website using the promo code: SAVE50 during the Promotion Period. Tower employees and Tower alliance partners are not eligible to enter this Promotion.
  5. The promo code SAVE50 cannot be used in conjunction with any other offer 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 Standard, Plus, Premium and Landlord’s Plus House Insurance; Standard, Plus and Premium Contents Insurance; 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, ASB, ANZ 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. Tower policy terms, conditions and exclusions and underwriting criteria apply in respect of all eligible policies.
  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.

Super Summer Cover Burnt BBQ Competition

  1. These terms and conditions apply to the "Super Summer Cover Burnt BBQ (Competition)" in which participants must send a message through Facebook messenger of their burnt BBQ food in order to enter the competition for a chance to win a $20 Uber Eats voucher.
  2. The Competition commences at 12:01am 14/12/2020 and ends at 11:59pm 21/12/2020 and commences again at 12:01am 14/01/2021 and ends at 11:59pm 24/01/2021 (Competition Period).
  3. You can only enter this Competition once during the Competition Period. Any additional entries will not be counted.
  4. To be eligible to win the Competition, you must privately message the Tower Insurance Facebook page during the Competition Period with an appropriate photo that constitutes your entry into the Competition and provide an email address. One photo is one entry in the competition.
  5. Winning entries will be judged by Tower. Tower’s decision is final and no further correspondence will be entered into about its decision.
  6. By submitting an entry and providing an email address you consent to receiving promotional offers or incentives as Tower sends them.
  7. If you submit any pictures that Tower deems to be inappropriate you will be immediately disqualified from entering all Tower Competitions and reported to Facebook.
  8. Tower employees and the employees of Tower’s Partners are not able to enter the Competition.
  9. Tower will notify you in the case that you win via reply Facebook private message with a link to claim the prize or email you at the email address you have provided with a voucher.
  10. Prize winners have 3 months to redeem their vouchers. Any unclaimed prize will be forfeited after that date.
  11. Tower’s decision is final with respect to all matters relating to this Competition and no further correspondence or discussions will be entered into.
  12. The Prizes are non-exchangeable, non-refundable, non-transferable, non-negotiable and cannot be redeemed for cash.
  13. This Competition is in no way sponsored, endorsed, administered by or associated with Facebook or, and you fully release Facebook from any liability or responsibility for or in connection with this Competition.

Super Summer Cover Win a $500 Prezzy Card Competition

  1. These terms and conditions apply to the "Super Summer Cover Win a $500 Prezzy Card" competition (Competition).
  2. The Competition commences at 12:01am 14/12/2020 and ends at 11:59pm 14/02/2021 (Competition Period).
  3. To be eligible to win this Competition you must have met the conditions for entry into one or all of the Super Summer Cover Competitions (refer to the individual terms and conditions for each one) and not have won a Prize for any of those Competitions.
  4. Each valid entry into each individual "Super Summer Cover" Competition that does not win a Prize will count as an entry into this Competition.
  5. You will then go into the draw to win the prize in this Competition, being a $500 Prezzy Card ("Prize").
  6. A winner will be randomly selected (by computer generation) from the total pool of entrants on 14th February 2021.
  7. Tower will notify the winner via Facebook private message with details to claim the Prize.
  8. The Prize winner has 3 months to respond to Tower and provide the details for their Prize to be sent to them. Any unclaimed Prize may be forfeited after that date.
  9. Tower’s decision is final with respect to all matters relating to this Competition and no further correspondence or discussions will be entered into.
  10. The Prizes are non-exchangeable, non-refundable, non-transferable, non-negotiable and cannot be redeemed for cash.
  11. This Competition is in no way sponsored, endorsed, administered by or associated with Facebook or, and you fully release Facebook from any liability or responsibility for or in connection with this Competition.

Super Summer Cover Bad Prezzy Competition

  1. These terms and conditions apply to the "Super Summer Cover Bad Prezzy (Competition)" in which participants must send a message through Facebook messenger of their bad Christmas present in order to enter the competition for a chance to win a $30 Farmers voucher.
  2. The Competition commences at 12:01am 21/12/2020 and ends at 11:59pm 31/12/2020 (Competition Period).
  3. You can only enter this Competition once during the Competition Period. Any additional entries will not be counted.
  4. To be eligible to win the Competition, you must privately message the Tower Insurance Facebook page during the Competition Period with an appropriate photo that constitutes your entry into the Competition and provide an email address. One photo is one entry in the competition.
  5. Winning entries will be judged by Tower. Tower’s decision is final and no further correspondence will be entered into about its decision.
  6. By submitting an entry and providing an email address you consent to receiving promotional offers or incentives as Tower sends them.
  7. If you submit any pictures that Tower deems to be inappropriate you will be immediately disqualified from entering all Tower Competitions and reported to Facebook.
  8. Tower employees and the employees of Tower’s Partners are not able to enter the Competition.
  9. Tower will notify you in the case that you win via reply Facebook private message with a link to claim the prize or email you at the email address you have provided with a voucher.
  10. Prize winners have 3 months to redeem their vouchers. Any unclaimed prize will be forfeited after that date.
  11. Tower’s decision is final with respect to all matters relating to this Competition and no further correspondence or discussions will be entered into.
  12. The Prizes are non-exchangeable, non-refundable, non-transferable, non-negotiable and cannot be redeemed for cash.
  13. This Competition is in no way sponsored, endorsed, administered by or associated with Facebook and you fully release Facebook from any liability or responsibility for or in connection with this Competition.

Super Summer Cover New Year Competition

  1. These terms and conditions apply to the "Super Summer Cover New Year competition (Competition)" in which participants must send a message through Facebook messenger of their New Year’s Eve celebrations in order to enter the competition for a chance to win a $20 Uber Eats voucher.
  2. The Competition commences at 12:01am 01/01/2021 and ends at 11:59pm 03/01/2021 (Competition Period).
  3. You can only enter this Competition once during the Competition Period. Any additional entries will not be counted.
  4. To be eligible to win the Competition, you must privately message the Tower Insurance Facebook page during the Competition Period with an appropriate photo that constitutes your entry into the Competition and provide an email address. One photo is one entry in the competition.
  5. Winning entries will be judged by Tower. Tower’s decision is final and no further correspondence will be entered into about its decision.
  6. By submitting an entry and providing an email address you consent to receiving promotional offers or incentives as Tower sends them.
  7. If you submit any pictures that Tower deems to be inappropriate you will be immediately disqualified from entering all Tower Competitions and reported to Facebook.
  8. Tower employees and the employees of Tower’s Partners are not able to enter the Competition.
  9. Tower will notify you in the case that you win via reply Facebook private message with a link to claim the prize or email you at the email address you have provided with a voucher.
  10. Prize winners have 3 months to redeem their vouchers. Any unclaimed prize will be forfeited after that date.
  11. Tower’s decision is final with respect to all matters relating to this Competition and no further correspondence or discussions will be entered into.
  12. The Prizes are non-exchangeable, non-refundable, non-transferable, non-negotiable and cannot be redeemed for cash.
  13. This Competition is in no way sponsored, endorsed, administered by or associated with Facebook and you fully release Facebook from any liability or responsibility for or in connection with this Competition.

Super Summer Cover Windy Day Competition

  1. These terms and conditions apply to the "Super Summer Cover Windy Day competition (Competition)" in which participants must send a message through Facebook messenger of their windy day in order to enter the competition for a chance to win a $20 Mitre 10 voucher.
  2. The Competition commences at 12:01am 04/01/2021 and ends at 11:59pm 13/01/2021 (Competition Period).
  3. You can only enter this Competition once during the Competition Period. Any additional entries will not be counted.
  4. To be eligible to win the Competition, you must privately message the Tower Insurance Facebook page during the Competition Period with an appropriate photo that constitutes your entry into the Competition and provide an email address. One photo is one entry in the competition.
  5. Winning entries will be judged by Tower. Tower’s decision is final and no further correspondence will be entered into about its decision.
  6. By submitting an entry and providing an email address you consent to receiving promotional offers or incentives as Tower sends them.
  7. If you submit any pictures that Tower deems to be inappropriate you will be immediately disqualified from entering all Tower Competitions and reported to Facebook.
  8. Tower employees and the employees of Tower’s Partners are not able to enter the Competition.
  9. Tower will notify you in the case that you win via reply Facebook private message with a link to claim the prize or email you at the email address you have provided with a voucher.
  10. Prize winners have 3 months to redeem their vouchers. Any unclaimed prize will be forfeited after that date.
  11. Tower’s decision is final with respect to all matters relating to this Competition and no further correspondence or discussions will be entered into.
  12. The Prizes are non-exchangeable, non-refundable, non-transferable, non-negotiable and cannot be redeemed for cash.
  13. This Competition is in no way sponsored, endorsed, administered by or associated with Facebook and you fully release Facebook from any liability or responsibility for or in connection with this Competition.

Super Summer Cover Photo Fail Competition

  1. These terms and conditions apply to the "Super Summer Cover Photo Fail competition (Competition)" in which participants must send a message through Facebook messenger of their photo that needs fixing in order to enter the competition for a chance to win a professional photoshop fix of your bad photo.
  2. The Competition commences at 12:01am 25/01/2021 and ends at 11:59pm 31/01/2021 (Competition Period).
  3. You can only enter this Competition once during the Competition Period. Any additional entries will not be counted.
  4. To be eligible to win the Competition, you must privately message the Tower Insurance Facebook page during the Competition Period with an appropriate photo that constitutes your entry into the Competition and provide an email address. One photo is one entry in the competition.
  5. Winning entries will be judged by Tower. Tower’s decision is final and no further correspondence will be entered into about its decision.
  6. By submitting an entry and providing an email address you consent to receiving promotional offers or incentives as Tower sends them.
  7. If you submit any pictures that Tower deems to be inappropriate you will be immediately disqualified from entering all Tower Competitions and reported to Facebook.
  8. Tower employees and the employees of Tower’s Partners are not able to enter the Competition.
  9. Tower will notify you in the case that you win via reply Facebook private message with a link to claim the prize or email you at the email address you have provided with a voucher.
  10. Prize winners have 3 months to redeem their vouchers. Any unclaimed prize will be forfeited after that date.
  11. Tower’s decision is final with respect to all matters relating to this Competition and no further correspondence or discussions will be entered into.
  12. The Prizes are non-exchangeable, non-refundable, non-transferable, non-negotiable and cannot be redeemed for cash.
  13. This Competition is in no way sponsored, endorsed, administered by or associated with Facebook and you fully release Facebook from any liability or responsibility for or in connection with this Competition.

36th America's Cup Competition

  1. These terms and conditions apply to the "36th America's Cup Tickets" (Competition) in which customers who purchase a new Tower Insurance Boat Comprehensive policy by 11:59pm 7 February 2021 will go into the draw to win a gift voucher for 2 x tickets to the "On the water spectactor America's Cup - Harbour Sailing Fleet" experience (The Event) on Sunday 14 March 2021.
  2. The Competition commences at 11:00am 14 January 2021 and ends at 11:59pm 7 February 2021 (Competition Period).
  3. Only one entry is permitted per person.
  4. To enter this Competition you must:
    a. Be 18 years or older, and
    b. Be able to attend and travel independently to the event in Auckland on Sunday 14 March 2021, and
    c. You must take out a Boat Insurance Comprehensive Cover policy by 11:59pm 7 February 2021 to go in the draw.
  5. Tower employees and the employees of Tower’s Partners are not able to enter the Competition.
  6. The prize is a gift voucher for 2 x adult tickets to the 'On the water spectator America's Cup - Harbour Sailing Fleet' experience on Sunday 14 March 2020, including a picnic box lunch (The Prize).
  7. In the case that you win The Prize, you are required to make a premium payment prior to 7 March 2021 to receive the gift voucher which will be sent via email on the 8 March 2021.
  8. Terms and conditions of Explore Limited apply and are included with the ticket information which will be sent to the winner.
  9. The winner will be selected via a random draw and contacted on the 15 February 2021 by email. If the winner does not respond by 20 February 2021, a new winner will be selected at random.
  10. If the winner does not make a payment by 7 March 2021, a new winner who has made payment will be randomly drawn.
  11. Tower policy terms, conditions and exclusions and underwriting criteria apply in respect of all eligible policies.
  12. The Prize is non-exchangeable, non-refundable, non-transferable, non-negotiable and cannot be redeemed for cash.
  13. Tower accepts no liability in the case that the race is cancelled or does not proceed for whatever reason, and will not issue any refunds of premium or costs that may have been paid in reliance upon this Competition, or be required to provide any alternative Prize.