Terms and conditions

Terms and conditions for Airpoints

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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.

Online discount terms and conditions

  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 (Agreed Value only), 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 received will be the discount that applies on the day the policy is purchased. The company premium will be discounted by 20%.
  6. RoadWise, Government levies and taxes are not discounted.
  7. A minimum premium will apply.
  8. If any other discounts are being applied, discounts will be applied incrementally.
  9. Standard policy terms, conditions, exclusions and underwriting criteria apply. 

Direct Mail $50 Prezzy card terms and conditions

  1. The General Terms and Conditions apply to this offer.
  2. To be eligible for a $50 Prezzy Card you must:
    1. Have received a letter from Tower Insurance Limited;
    2. Comply with Tower terms, conditions and normal underwriting criteria;
    3. Not hold any policy through Tower Insurance at the time of receiving the letter;
    4. Contact Tower and take out one or more eligible policies between 8 June and 30 June 2017; and
    5. Have an active eligible policy at the time we post out your Prezzy Card.
  3. Eligible policies are personal Tower Insurance car, house and contents policies.
  4. FinTel, Trade Me Insurance, Kiwibank, TSB, Westpac and ANZ policies are not eligible policies for this promotion.
  5. One $50 Prezzy Card will be awarded per policy taken out, regardless of whether a policy is taken out singly or jointly, up to a maximum of $150.
  6. The Tower Insurance decision is final with respect to all matters relating to this offer and no further correspondence or discussions will be entered into.
  7. The Prezzy Card is not transferable and cannot be exchanged for cash.
  8. Taking out an eligible policy and receiving the Prezzy Card will be deemed to constitute acceptance of these terms and conditions.
  9. Tower Insurance 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.
  10. The promotion is in no way sponsored, endorsed or administered by, or associated with Prezzy card.
  11. Prezzy card terms and conditions apply.
  12. Please allow at least 30 days from receipt of payment for the new additional policy to receive your Prezzy card via post.

Direct Mail 50 Airpoints Dollars terms and conditions 

  1. The General Terms and Conditions apply to this offer.
  2. To be eligible for 50 Airpoints Dollars you must:
    1. Have received a letter from Tower Insurance Limited;
    2. Comply with Tower terms, conditions and normal underwriting criteria;
    3. Not hold any policy through Tower Insurance at the time of receiving the letter;
    4. Have registered your Airpoints details with us;
    5. Contact Tower and take out one or more eligible policies between 8 June and 30 June 2017;and
    6. Have an active eligible policy at the time the Airpoints Dollars are deposited into your account.
  3. Eligible policies are personal Tower Insurance car, house and contents policies.
  4. FinTel, Trade Me Insurance, Kiwibank, TSB, Westpac and ANZ policies are not eligible policies for this promotion.
  5. 50 Airpoints Dollars will be allocated per policy taken out to the Airpoints number registered with Tower, regardless of whether a policy is taken out singly or jointly, up to a maximum of 150 Airpoints Dollars.
  6. The Tower Insurance 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. Taking out an eligible policy and receiving the Airpoints Dollars will be deemed to constitute acceptance of these terms and conditions.
  9. Tower Insurance 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.
  10. Air New Zealand’s legal terms and conditions apply, available at www.airnewzealand.co.nz/legal-terms-and-conditions.
  11. Please allow at least 30 days from receipt of payment for the new additional policy to receive your Airpoints Dolalrs.

Direct Mail 1,000 Airpoints Dollars prize draw terms and conditions 

  1. The General Terms and Conditions apply to this competition.
  2. To be eligible for the 1,000 Airpoints Dollars prize draw you must:
    1. Have received a letter from Tower Insurance Limited;
    2. Comply with Tower terms, conditions and normal underwriting criteria;
    3. Not hold any policy through Tower Insurance at the time of receiving the letter;
    4. Have registered your Airpoints details with us;
    5. Contact Tower and take out one or more eligible policies between 8 June and 30 June 2017; and
    6. Have an active eligible policy at the time we draw the prize.
  3. Eligible policies are personal Tower Insurance car, house and contents policies.
  4. FinTel, Trade Me Insurance, Kiwibank, TSB, Westpac and ANZ policies are not eligible policies for this promotion.
  5. The prize is 1,000 Airpoints Dollars. You will receive one entry to the prize draw per eligible policy taken out, regardless of whether a policy is taken out singly or jointly.
  6. One prize winner will be drawn at random on 13 July 2017.
  7. Tower will contact the prize winner by phone or email. If for any reason Tower cannot contact the prize winner within one week of the prize draw, Tower reserves the right to either:
    1. Withdraw the prize offer; or
    2. Withdraw the prize offer and redraw a new prize winner at random.
  8. The Tower Insurance decision is final with respect to all matters relating to this offer and no further correspondence or discussions will be entered into.
  9. The Airpoints Dollars are not transferable and cannot be exchanged for cash.
  10. The prize will be deposited into the winner’s Air New Zealand Airpoints account that has been registered with Tower.
  11. Tower reserves the right to change applicable terms and conditions at any time provided that no participant is prejudiced by the change.
  12. Air New Zealand’s legal terms and conditions apply, available at www.airnewzealand.co.nz/legal-terms-and-conditions.
  13. Neither Tower nor any other person or party associated with this promotion shall be liable for any 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 with any prizes offered.
  14. Any entries into the competition will be deemed to constitute acceptance of these terms and conditions.