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.

$50 off when you buy online

  1. These terms and conditions (“Terms”) apply to the “$50 off when you buy online” 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 6 January 2020 and runs 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 during the Promotion Period, provided that Tower employees and Tower alliance partners are not eligible to enter this Promotion.
  5. 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.
  6. 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:
    1. Tower Cover4Travel; and
    2. FinTel, Trade Me Insurance, Kiwibank, TSB, Westpac, ASB, ANZ policies, and policies purchased through our advisor network.
  7. Tower reserves the right to amend these Terms or change or cancel this Promotion at any time without notice.
  8. Policy terms, conditions and exclusions and underwriting criteria apply in respect of all eligible policies.
  9. You are deemed to have accepted these Terms by purchasing a new eligible policy in accordance with these Terms.
  10. 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.

NZ Golf launch competition

  1. These terms and conditions (Terms) apply to the “NZ Golf launch” promotion in which a draw will be undertaken from all valid entries for a trip for two to the 101st NZ Open as further described below (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).
  3. The Promotion commences at 8.30am on Tuesday 11 February 2020 and ends at 11.59pm on Sunday 16 February 2020 (Promotion Period).
  4. Entry to the Promotion is open to you if you are a NZ Golf member and:
    1. hold an existing eligible policy with Tower during the Promotion Period and such policy is still in force on the Draw Date (Existing Eligible Customer); or
    2. take out a new eligible policy online with Tower before the end of the Promotion Period and such policy is still in force on the Draw Date (New Eligible Customer); and
    3. are aged 18 years or older; and
    4. the email address held for your Tower policies matches the email address used for your NZ Golf membership,
    provided that Tower employees and Tower alliance partners are not eligible to enter this Promotion. Policy terms, conditions and exclusions and normal underwriting criteria apply in respect of all new or existing eligible policies.
  5. If you are eligible to enter the Promotion in accordance with clause 4, Tower will automatically enter you into the Promotion at the end of the Promotion Period on your behalf (unless we receive notification from you that you do not wish to participate in the Promotion, in which case we will not enter you into the Promotion).
  6. You will receive one entry for every eligible policy.
  7. Eligible policies are Tower car, house and contents insurance policies but exclude any Trade Me Insurance, FinTel, Kiwibank, Westpac, TSB, ASB and ANZ insurance policies.
  8. The prize for this Promotion (Prize) consists of:
    1. flights for two adults to Queenstown from your nearest main centre, whereby an adult is classified as a person aged 18 or older. The Prize does not include transportation to and from your nearest main centre and/or accommodation in any main centre;
    2. three nights’ accommodation for two adults in the Queenstown region; and
    3. NZ Open Champions Lounge passes for two adults on Saturday 29 February and Sunday 1 March 2020.
  9. The Prize is not exchangeable, transferable or negotiable.
  10. The winner of the Prize (Prize Winner) will be determined by a random draw from all valid entries on 20 February 2020, and where required pursuant to clause 12, on the redraw date (Draw Date).
  11. The Prize Winner will be notified by Tower or NZ Golf via email or phone using the Prize Winner’s last-known contact details provided to Tower or NZ Golf.
  12. If for any reason Tower or NZ Golf cannot contact the Prize Winner within 2 days of the Prize Winner being drawn or the Prize Winner’s eligible policy is not in force on the Draw Date, the Prize Winner forfeits the Prize and Tower may redraw a new prize winner from all valid entries at random or withdraw the Prize. The same 2 day contact timeframe will apply to any redrawn winner.
  13. By accepting the Prize, the Prize Winner agrees to be bound by these Terms and grants Tower the right to use their personal information (including photograph, name, city or town) for marketing and publicity purposes in connection with this Promotion on both Tower and NZ Golf websites and social media pages.
  14. 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.
  15. Tower’s decision is final with respect to all matters relating to this Promotion and no further correspondence or discussions will be entered into.
  16. Tower will not be liable for any loss, claim, cost, expense, liability or injury (“Loss”) suffered by any person in any way associated with this Promotion, except where such Loss cannot be excluded by law.
  17. Tower reserves the right to change these Terms at any time.
  18. If you are entering this Promotion as a New Eligible Customer, you are deemed to have accepted these Terms by taking out a new eligible policy. If you are an Existing Eligible Customer and you are the Prize Winner, your eligibility to receive the Prize is conditional on your acceptance of these Terms.
  19. 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.

Airpoints™ 5,000 weekly giveaway promotion

  1. These terms and conditions (Terms) apply to the “Airpoints™ 5,000 weekly giveaway” promotion in which a weekly draw will be undertaken from all valid entries, for 5,000 Airpoints Dollars as further described below (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.
  3. The Promotion commences at 12.00am on Sunday 1 March 2020 and ends at 11.59pm on Saturday 4 April 2020 (Promotion Period).
  4. Entry to the Promotion is open to you if you are a New Zealand resident aged 18 years or over and:
    1. hold an existing eligible policy with Tower during the Promotion Period and such policy is still in force on the Draw Date (Existing Eligible Customer); or
    2. get a valid quote from Tower for an eligible policy over the phone during the Promotion Period (New Eligible Phone Customer); or
    3. save a valid quote from Tower for an eligible policy online during the Promotion Period (New Eligible Online Customer), provided that Tower employees and Tower alliance partners are not eligible to enter this Promotion. Policy terms, conditions and exclusions and normal underwriting criteria apply in respect of all policies.
  5. If you are eligible to enter the Promotion in accordance with clause 4, Tower will automatically enter you into the Promotion on your behalf as follows (unless Tower receives notification from you that you do not wish to participate in the Promotion, in which case Tower will not enter you into the Promotion):
    1. each Existing Eligible Customer will receive one entry for every eligible policy it holds, and will be entered into the draw for each week that such eligible policy remains in force;
    2. each New Eligible Phone Customer will receive one entry for each valid quote received over the phone, and will be entered into the draw for the week in which they received such quote;
    3. each New Eligible Online Customer will receive one entry for each valid quote saved online, and will be entered into the draw for the week in which they saved such quote.
  6. Quotes must be obtained for genuine asset(s) owned by a New Eligible Phone Customer and New Eligible Online Customer and not be false or misleading. Tower reserves the right to verify the validity of any quotes, entries and entrants. Tower may, in its absolute discretion, disqualify any entrant who has breached any of these Terms, tampered with the entry process or engaged in any unlawful or other improper misconduct calculated to jeopardise the fair and proper conduct of the Promotion. Failure by Tower to enforce any of its rights at any stage does not constitute a waiver of those rights.
  7. Eligible policies are Tower car, house and contents insurance policies but exclude any Trade Me Insurance, FinTel, Kiwibank, Westpac, TSB, ASB and ANZ insurance policies.
  8. There are five weekly prizes each consisting of 5,000 Airpoints Dollars (each, a Prize).
  9. The Prizes are not exchangeable, transferable or negotiable.
  10. The five winners of the Prizes (each, a Prize Winner) will be determined by a random draw from all valid entries on:
    1. 11 March 2020;
    2. 18 March 2020;
    3. 24 March 2020;
    4. 31 March 2020; and
    5. 8 April 2020,
    and where required pursuant to clause 12, on a redraw date (each, a Draw Date).
  11. The Prize Winners will be notified by Tower via email or phone using the Prize Winner’s last-known contact details provided to Tower.
  12. If for any reason Tower cannot contact a Prize Winner within one week of that Prize Winner being drawn or a Prize Winner’s eligible policy is not in force on the relevant Draw Date, the Prize Winner forfeits the relevant Prize and Tower may redraw a new prize winner from all valid entries at random or withdraw that Prize. The same one week contact timeframe will apply to any redrawn winner.
  13. To accept their Prize, each Prize Winner must be a current Airpoints member with a valid Airpoints registration number.
  14. There is a limit of one Prize per Prize Winner.
  15. Each Prize Winner must allow up to 30 working days from the date Tower contacts them after the Draw Date for the Prize to be credited to their Airpoints account.
  16. By accepting a Prize, each Prize Winner agrees to be bound by these Terms and grants Tower the right to use their personal information (including name, city or town) and photographs for marketing and publicity purposes in connection with this Promotion on Tower’s website and/or social media networks and in Tower communications.
  17. This Promotion is in no way sponsored, endorsed, administered by or associated with Facebook or Instagram, and you fully release Facebook or Instagram from any liability or responsibility for or in connection with this Promotion.
  18. Tower’s decision is final with respect to all matters relating to this Promotion and no further correspondence or discussions will be entered into.
  19. Tower will not be liable for any loss, claim, cost, expense, liability or injury (Loss) suffered by any person in any way associated with this Promotion, except where such Loss cannot be excluded by law.
  20. Tower reserves the right to change or amend the Promotion or these Terms at any time.
  21. If you are entering this Promotion as a New Eligible Phone Customer or New Eligible Online Customer, you are deemed to have accepted these Terms by getting a quote. If you are an Existing Eligible Customer and you are a Prize Winner, your eligibility to receive a Prize is conditional on your acceptance of these Terms.
  22. 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.
  23. Airpoints programme terms and conditions also apply to this Promotion.

Tower Passport to Pasifika

  1. These terms and conditions (“Terms”) apply to the “Tower Passport to Pasifika” promotion in which a draw will be undertaken from all valid entries for a prize of 1,200 Airpoints™ plus a free pair of sunglasses (“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.
  3. The Promotion commences at 9am on 14 March 2020 until 4pm on 15 March 2020 (“Promotion Period”). Entries received after this period will not be considered.
  4. To enter the Promotion, you must during the Promotion Period:
    1. visit the Tower marquee at Pasifika and complete all required fields on the entry form (including your name, email address and mobile number);
    2. collect a Tower passport from the Tower marquee and go to each “village” to answer the questions in your passport; and
    3. after you have answered all the questions, return to the Tower marquee with your completed Tower passport,
    provided that Tower’s owners, managers, employees and contractors and their immediate families are not eligible to enter this Promotion.
  5. Tower reserves the right to verify the validity of entries and determine the eligibility of entrants (including an entrant's identity) at any time. Tower may disqualify any entry or refuse to award a prize where false, misleading or incomplete details have been given by an entrant, or where an entrant has breached any of these Terms, tampered with the entry process or engaged in any unlawful or improper misconduct. Failure by Tower to enforce any of its rights at any stage does not constitute a waiver of those rights.
  6. Entries will not be accepted by mail or email, and only one entry per person is allowed. No responsibility is accepted for late or misdirected entries.
  7. There is one prize of 1,200 Airpoints™ plus a free pair of sunglasses (“Prize”).
  8. The Prize is not exchangeable, transferable or negotiable.
  9. The winner of the Prize (“Prize Winner”) will be determined by a random draw from all valid entries on Sunday 15 March 2020. The draw will be held at the Pasifika Festival, Western Springs, Auckland.
  10. If the Prize Winner is under the age of 18, the Prize will be awarded to their parent or legal guardian. By accepting the Prize, the Prize Winner’s parent or legal guardian agrees to these Terms.
  11. The Prize Winner (or their parent or legal guardian, if applicable) will be notified by phone using the details provided on their entry form on 15 March 2020 and, where required pursuant to clause 12, on the redraw date (“Draw Date”).
  12. If for any reason Tower cannot contact the Prize Winner (or their parent or legal guardian, if applicable) within one week of that Prize Winner being drawn under clause 9, they will forfeit the Prize and Tower may redraw a new prize winner from all valid entries at random or withdraw the Prize.
  13. To claim the Prize, the Prize Winner (or their parent or legal guardian, if applicable) must provide suitable photo identification to Tower’s satisfaction, be a current Airpoints member with a valid Airpoints registration number, and personally sign a form acknowledging acceptance of the Prize on these Terms.
  14. The Prize Winner (or their parent or legal guardian, if applicable) must allow up to 30 working days from the date Tower contacts them after the Draw Date for the Prize to be credited to their Airpoints account.
  15. Tower’s decision is final with respect to all matters relating to this Promotion and no further correspondence or discussions will be entered into.
  16. By accepting the Prize, the Prize Winner (and their parent or legal guardian, if applicable) consents to Tower using their personal information (including their name, city or town) and photographs without remuneration for marketing and publicity purposes in connection with this Promotion on Tower’s website and/or social media networks and in Tower communications.
  17. Tower will not be liable for any loss, claim, cost, expense, liability or injury (“Loss”) suffered by any person in any way associated with this Promotion, except where such Loss cannot be excluded by law.
  18. Airpoints programme terms and conditions also apply to this Promotion
  19. This Promotion is in no way sponsored, endorsed, administered by or associated with Facebook or Instagram, and you fully release Facebook or Instagram from any liability or responsibility for or in connection with this Promotion.
  20. Tower reserves the right to change or amend the Promotion or these Terms at any time.
  21. All personal information collected will be held by Tower in accordance with the Privacy Act 1993 and its privacy policy.
  22. By entering this Promotion, you are deemed to have accepted these Terms.
  23. 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.