Promotions terms and conditions

General terms and conditions

  1. By entering this competition/promotion you agree to and accept all these General 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 General 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 General 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. Excludes travel, commercial vehicle, business and some cover under rural policies, GST, government levies and some optional special benefits.
  2. Discount varies 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 General 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 General 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 20% 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 20%.
  7. If any other discounts are being applied, discounts will be applied incrementally.
  8. Standard policy terms, conditions, exclusions and underwriting criteria apply.
  9. Discount available for a limited time only. 

NZFSG - LoanMarket Adviser

  1. The General Terms and Conditions  apply to this offer
  2. To be eligible for the Grand Draw, you must:
    1. be a member of the NZ Financial Services Group (NZFSG) adviser network (Adviser) at all times during and at the end of the promotion period set out in paragraph 3 below (Promotion Period); and 
    2. refer customer(s) to Tower Insurance Limited (Tower) who take out a Tower Car, House or Contents policy (Eligible Policy) within the Promotion Period.  Referrals must be made in accordance with the terms and conditions set out in the agreement between Tower and NZFSG.
  3. To be eligible for the Monthly Draws, the customer must have been referred to Tower by an Adviser and have taken out an Eligible Policy during the Promotion Period.  One prize will be awarded per customer, regardless of the number of policies taken out. 
  4. The Promotion Period starts at 8am, Monday 11 March 2019 and ends at 5pm, Friday 7 June 2019.
  5. There will be three monthly customer prize draws during the Promotion Period (Monthly Draws), with a Monthly Draw to be held in each 4 week period of the Promotion Period. 
  6. The winner of each Monthly Draw will be randomly drawn from those customers who have been referred to Tower by an Adviser and have taken out an Eligible Policy during the Promotion Period.  Each winner of a Monthly Draw will receive a one-off discount to the premium payable on one Eligible Policy in respect of the first year up to the lower of the value of the premium or $2,000 (including GST). For the avoidance of doubt, each winner of a Monthly Draw is responsible for paying any amount of the relevant premium which exceeds $2,000 (including GST). If a customer has taken out multiple Eligible Policies with Tower, the prize will apply to the Eligible Policy with the highest premium.  
  7. There will be one grand prize draw during the Promotion Period (“Grand Draw”). The winner of the Grand Draw will be the Adviser whose referral is drawn at random from all eligible NZFSG referrals received by Tower during the Promotion Period. If the Adviser owes any money to NZFSG when the prize for the Grand Draw is drawn, another eligible winner may be re-drawn. 
  8. The prize for the Grand Draw is one prize of 1,000 Airpoints Dollars™ only, which will be allocated to an eligible Airpoints account of the winner’s choice.  
  9. None of the prizes are transferable and cannot be exchanged for cash.
  10. Airpoints terms and conditions apply to the Grand Draw and can be viewed at https://www.airnewzealand.co.nz/airpoints-terms-and-conditions. 
  11. All prize winners will be announced, in collaboration with NZFSG, on 14 June 2019 and notified by Tower. Tower will make reasonable endeavours to contact the winners.
  12. If, for any reason, Tower is unable to contact the winner(s) within 14 days of the winner(s) being announced Tower may deem the winner to have forfeited their right to the relevant prize and re-draw another eligible winner. 
  13. Tower’s decision is final with respect to all matters relating to the Grand Draw and any Monthly Draw and no further correspondence or discussions will be entered into. 
  14. By entering into the Grand Draw or a Monthly Draw (as applicable), you will be deemed to have these terms and conditions.
  15. Tower reserves the right to change the applicable terms and conditions for the Grand Draw or any Monthly Draw at any time.
  16. Neither Tower, nor other party associated with the Grand Draw or any Monthly Draw, shall be liable for loss or damage whatsoever suffered (including but not limited to indirect or consequential loss), or personal injury suffered or sustained in connection with either participation in the Grand Draw or any Monthly Draw, or any prizes offered.

APEX Adviser Airpoints Dollars™ Promotion

  1. The General Terms and Conditions apply to this offer.
  2. To be eligible for this Promotion, you must be a part of the Apex Advice Group (Apex) adviser network (Adviser).
  3. The Promotion Period starts at 8am, Monday 18 March 2019 and ends at 5pm, Friday 17 May 2019.
  4. There will be two prizes of 500 Airpoints Dollars™ only. The winners will be drawn at random from all eligible entries. Only one prize per Adviser.
  5. To gain one entry into the draw, an Adviser has to contribute 3 Fire and General referrals during the Promotion Period. Every subsequent referral earns another entry into the draw.
  6. Each prize of 500 Airpoints Dollars™ will be allocated to an eligible Airpoints account of the winner’s choice.
  7. The prizes are not transferrable and cannot be exchanged for cash.
  8. Airpoints terms and conditions apply https://www.airnewzealand.co.nz/airpoints-terms-and-conditions
  9. A definition of the referral and process of referral are specified in the agreement between Tower Insurance and Apex.
  10. The winners will be announced on 27 May 2019, in collaboration with Apex, and notified by Tower Insurance. Every effort will be made to contact the winner.
  11. If, for any reason, Tower Insurance is unable to contact the winner/s within 14 days of the winner being announced then the relevant prize will be awarded to the next eligible contact.
  12. The Tower Insurance decision is final with respect to all matters relating to this Promotion and no further correspondence or discussions will be entered into.
  13. Any entries into the competition will be deemed to constitute acceptance of these terms and conditions.
  14. Tower Insurance reserves the right to change applicable terms and conditions for this Promotion at any time provided that no participant is prejudiced by the change.
  15. Neither Tower, nor other party associated with this Promotion shall be liable for loss or damage whatsoever suffered (including but not limited to indirect or consequential loss), or personal injury suffered or sustained in connection with either participation in this Promotion, or any prizes offered.

1000 Airpoints Dollars™ for the 1000th policy offer

  1. The General Terms and Conditions above apply to the “1000 Airpoints Dollars™ for the 1000th policy offer” (“Offer”). 
  2. To be eligible for the Offer, you must:
    1. be an employee of Air New Zealand during and at the end of the promotion period set out in paragraph 4 below (“Promotion Period”); and 
    2. take out a new Tower Car, House or Contents policy (“Eligible Policy”) using the online link provided within the Promotion Period which must be active at the time the winner is drawn; and
    3. have paid the annual premium(s) in full.
  3. FinTel, Trade Me Insurance, Kiwibank, TSB, Westpac, ASB and ANZ policies are not eligible for the Offer.
  4. The Promotion Period starts on Tuesday 28 May 2019 and ends when the 1000th Eligible Policy has been purchased.
  5. There will only be one winner during the Promotion Period, which will be the Air New Zealand employee who has purchased the 1000th Eligible Policy.
  6. The prize for the Offer is a one-off prize of 1,000 Airpoints Dollars only, which will be allocated to the Airpoints™ number registered to the winning Tower policy.
  7. The prize is not transferable and cannot be exchanged for cash.
  8. Airpoints terms and conditions apply and can be viewed at airnewzealand.co.nz/airpoints-terms-and-conditions.
  9. Tower Airpoints terms and conditions also apply and can be viewed at tower.co.nz/airpoints-terms.
  10. The prize winner will be notified by Tower and announced in collaboration with Airpoints when the 1000th Eligible Policy has been purchased. Tower will make reasonable endeavours to contact the winner.
  11. If, for any reason, Tower is unable to contact the winner within 14 days of the winner being announced, Tower may deem the winner to have forfeited their right to the prize and allocate the prize to the 1001st holder of an Eligible Policy.
  12. Tower’s decision is final with respect to all matters relating to the Offer and no further correspondence or discussions will be entered into.
  13. Tower reserves the right to change the applicable terms and conditions for the Offer at any time provided that no participant is prejudiced by the change.
  14. Tower will not be liable for any loss, claim, cost, expense, liability or injury (“Loss”) suffered by any person in any way associated with the Offer, except where such Loss cannot be excluded by law.
  15. All personal information collected will be held by Tower in accordance with the Privacy Act 1993 and Tower’s privacy policy.
  16. By entering into the Offer you accept these terms and conditions.

We'll Beat Your Renewal Campaign

  1. The General Terms and Conditions apply to the "We'll beat your renewal" campaign.
  2. Standard policy terms and conditions and underwriting criteria apply.
  3. Offer applies to Tower House Insurance policies and excludes Landlord’s policies.
  4. Offer applies to Auckland residential addresses only.
  5. Offer does not apply to policies already underwritten by Tower.
  6. Tower House Insurance quotes obtained must be for a comparable product to current house insurance renewal. Including: product benefits and level of cover, sum insured, excess, no claims bonus discount and package discount. Proof of renewal with current insurer may be required.
  7. Renewal notice with current insurer must be within the last 12 months.
  8. Discount applies until the next renewal period.
  9. Tower House Insurance quotes must be completed online.
  10. Savings depicted are representative only. Any savings will depend on your particular circumstances.
  11. Offer applies until 9 June 2019.

Air New Zealand Airpoints™ home movers offer

  1. The General 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.

Tell us what's complicated competition

  1. The General Terms and Conditions above apply to the “Tell us what’s complicated” competition.
  2. To enter into the competition you must submit some wording or a document from Tower that includes complicated wording together with an explanation of what is complicated about that wording.
  3. The submission must be made using the form on the Tower website at www.tower.co.nz/simple.
  4. The competition begins at 5pm 9 June 2019 and ends at 11.59pm 31 July 2019.
  5. The prize is three prizes of 1 x $100 Prezzy Card®. The prize is not transferable and cannot be exchanged for cash.
  6. The winners will be announced on 2 August 2019 on Tower’s Facebook page. Reasonable efforts will be made to contact the winner using the details provided in their submission.
  7. If, for any reason, Tower is unable to contact the winner within 14 days of the winner being announced then Tower reserves the right to redraw or withdraw the prize.
  8. By entering the competition, the winner grants Tower the right to use their personal information (including first name, city or town) for publicity purposes on Tower’s website and social media pages in connection with this competition.
  9. This competition is in no way sponsored, endorsed or administered by, or associated with Prezzy® Card.
  10. Prezzy® Cards terms and conditions also apply.
  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. Tower reserves the right to change the terms and conditions for this competition at any time.
  13. By entering into this competition you are deemed to have accepted these terms and conditions.

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

  1. The General 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.

Tower Insurance Facebook Lunchtime offer

  1. The General Terms and Conditions above apply to the Tower Insurance Facebook Lunchtime offer (‘Facebook Offer’).
  2. The Facebook Offer is available for a limited time only, as stated on the Facebook Offer post (‘Offer Period’).
  3. To be eligible for the Facebook Offer you must mention the code word specified in the relevant Facebook Offer post when you purchase any new policy described in paragraph 4 below (‘Eligible Policy’) over the phone during the Offer Period and follow all other instructions outlined in the relevant Facebook Offer post. 
  4. Eligible Policies are:
    • House Insurance - Standard, Plus and Premium cover.
    • Contents Insurance - Standard, Plus and Premium cover.
    • Car Insurance - Comprehensive cover only. 
  5. The prize is one $50 Prezzy® card for each Eligible Policy purchased over the phone in accordance with these terms and conditions. 
  6. Prezzy® cards cannot be exchanged or redeemed for cash.
  7. The Facebook Offer is in no way sponsored, endorsed or administered by, or associated with Prezzy® card or Facebook. You fully release Facebook from any liability or responsibility for or in connection with the Facebook Offer.
  8. Prezzy® card terms and conditions also apply. 
  9. Tower’s decision on all matters relating to the Facebook Offer is final and no correspondence will be entered into.
  10. The Facebook Offer is not available in conjunction with any other sale, competition, promotion, draw, discount, code, offer and/or replacement or upgrade of any policy.
  11. Tower reserves the right to change the terms and conditions of the Facebook Offer at any time.

The Block NZ Preview Tour draw terms and conditions

  1. The General Terms and Conditions above apply to The Block NZ Preview Tour draw (“The Block Draw").
  2. The Block Draw commences 4pm, 24 July 2019 and ends 1pm, 26 July 2019.  The prize is a double pass to The Block NZ’s Preview Tour in August 2019 – date to be confirmed at a later date, and no later than 1 week prior to actual date of the tour.  
  3. The prize does not include transportation to and from The Block NZ’s Preview tour, or accommodation in Auckland. 
  4. The prize cannot be exchanged for cash. 
  5. To enter The Block Draw, you must follow all instructions outlined in the draw post on Tower’s Facebook page. 
  6. One winner will be drawn on 26 July 2019 by random draw from all valid entries.  
  7. The winner will be notified by Tower via Facebook and further details around the Preview tour will be provided at that time. 
  8. If Tower is unable to contact the winner within 48 hours of the prize draw, that winner will forfeit the prize and Tower reserves the right to redraw one more prize winner at random. The same 48 hour contact timeframe will apply to any redrawn winner. 
  9. The Block Draw 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 The Block Draw.
  10. By entering The Block Draw, the winner grants Tower the right to use their personal information (including name, address and/or photograph) for publicity purposes on Tower’s website and social media pages in connection with The Block Draw.  
  11. Tower’s decision is final with respect to all matters relating to The Block Draw and no further correspondence or discussions will be entered into.
  12. Tower will not be liable for any loss, claim, cost, expense, liability or injury (“Loss”) suffered by any person in any way associated with The Block Draw, except where such Loss cannot be excluded by law.
  13. Tower reserves the right to change the terms and conditions for The Block Draw at any time.
  14. By entering into The Block Draw you are deemed to have accepted these terms and conditions.