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.
 

Bonus 25 Airpoints Dollars™ offer

  1. The General Terms and Conditions above apply to this offer
  2. To be eligible for the bonus 25 Airpoints Dollars™ you must:
    1. Have received a Tower email with the offer;
    2. Comply with Tower terms, conditions and normal underwriting criteria;
    3. Either:
      1. Contact Tower and take out a new eligible Tower policy between 12.00am 16 January 2019 and 11:59pm 31 January 2019, and:
        1. Use email link provided in the email received to take out a new eligible policy online and complete the offer fulfilment form at the end of the purchase; or 
        2. Mention the promo code if taking out a new eligible policy over the phone; and
    4. Have an active Tower policy at the time we allocate the 25 bonus Airpoints Dollars.
  3. Eligible policies are:
    1. Tower Insurance House standard, House plus, House premium and House landlord's plus; and
    2. Tower Insurance Contents premium, Contents plus and Contents standard.
  4. FinTel, Trade Me Insurance, Kiwibank, TSB, Westpac, ASB and ANZ policies are not eligible for this promotion.
  5. One allotment of 25 bonus Airpoints Dollars™ will be awarded per customer, regardless of the number of policies 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. Airpoints Dollars are not transferable and cannot be exchanged for cash.
  8. Please allow up to 30 days from Tower’s receipt of premium payment for the new eligible policy to receive your bonus Airpoints Dollars.
  9. Tower reserves the right to change applicable terms and conditions for any competition or promotion underwriting this offer at any time provided that no participant is prejudiced by the change.
  10. Air New Zealand’s legal terms and conditions apply, available at airnewzealand.co.nz/legal-terms-and-conditions
  11. Taking out a new eligible policy and receiving the bonus 25 Airpoints Dollars will be deemed to constitute your acceptance of these terms and conditions.
 

'We'll beat your renewal'

  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. Offer applies until 25 January 2019.

State customers could save with Tower

  1. The General Terms and Conditions apply to the “9 out of 10 State customers” campaign. 
  2. Standard policy terms and conditions and underwriting criteria apply
  3. Statement applies to house insurance policies and excludes landlord policies
  4. Statement applies to Auckland residential addresses only
  5. Findings based on a sample of 500 randomly selected Auckland addresses. Online quotes compared Tower Plus House Insurance to State Insurance Comprehensive product on 14 December 2018 using a comparable excess. 
  6. The amount of / if any potential savings on a house insurance premium will differ by individual Auckland address
  7. Tower House Insurance quotes must be obtained online only

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 Competitions.
  2. By entering a Tower Insurance Facebook post competition (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 aged 18+.
  4. Each Facebook Competition will be open for entry until the closing date and subject to any conditions or instructions stated in the relevant Facebook Competition post.
  5. To the extent of any inconsistency in the information shown on a Facebook Competition post, these Terms and Conditions will prevail. 
  6. A random draw to determine the winner for each competition will take place on the closing date stipulated in the relevant Facebook Competition post, unless stated otherwise on the post itself.
  7. Winners will be announced by Tower in the comments for the relevant Facebook Competition post within 5 working days after the competition ends.
  8. The winner must message Tower within 5 working days once they’ve been notified as detailed in point 7. If the winner does not get in touch with Tower within the timeframe mentioned, Tower may at their discretion, arrange for another random draw to determine a new winner for the Facebook competition or withdraw the prize.
  9. By uploading or submitting content (such as text, data, images, photos or names) to a Facebook Competition, you acknowledge that you have right to use, upload and/or submit the content.
  10. By entering a Tower Facebook Competition you agree to allow Tower to use your name, city or town for publicity purposes associated with this promotion.
  11. By entering a Tower Facebook Competition, you agree to Tower’s use of your personal information to contact you in relation to the competition.
  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 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.
  13. Tower’s decision on all matters relating to a Facebook Competition is final and no correspondence will be entered into. 
  14. 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.
  15. Tower Facebook Competitions are in no way endorsed, sponsored, administered by, or associated with Facebook.

‘Win a $1,000 Westfield Gift Card’ competition

    General

  1. The General Terms and Conditions above apply to the ‘Win a $1,000 Westfield Gift Card’ competition.
  2. How long does the competition run?

  3. Entries open 12.00am 13 December 2018 and ends 11.59pm 24 December 2018.
  4. What’s the prize?

  5. The prize is 1 x $1,000 Westfield Gift Card for each of the Westfield malls mentioned below.
  6. How do I enter?

  7. To enter the draw, you must submit an entry form at one of the following:
    1. Westfield Albany mall/website
    2. Westfield Manukau/website
    3. Westfield St Lukes mall/website

    How do I know if I’m not eligible?

  8. You won’t be able to enter if you’re under 18.
  9. How many times can I enter?

  10. There is a limit of one entry per person.
  11. How do I know if I’ve won?

  12. Three prize winners will be drawn (one per Westfield mall) on 8 January 2019.
  13. The winners will be notified by Tower via email address noted in the entry form.
  14. 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
  15. Allow up to 30 working days from the date we contact you to receive your prize.
  16. Is there anything else I need to know?

  17. The decision made by Tower is final with respect to all matters relating to this offer and no further correspondence or discussions will be entered into
  18. The prize is not exchangeable or transferable and cannot be taken for cash
  19. 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.

$50 Prezzy® card

  1. The General Terms and Conditions above apply to this draw
  2. To be eligible for a $50 Prezzy® card you must:
    1. Be an existing Tower customer as at 17 December 2018.
    2. Comply with Tower terms, conditions and normal underwriting criteria;
    3. Either:
      1. Contact Tower and take out a new eligible Tower policy between 12.00am 17 December 2018 and 11:59pm 31 January 2019, and:
        1. i. Use email link provided in the Tower Newsletter to take out a new eligible policy online and complete the offer fulfilment form at the end of the purchase, or 
        2. ii. Receive the email offer and mention it when taking out a new eligible policy over the phone

        OR

      2. Contact Tower over the phone, mention the secret code shared on Facebook and take out a new eligible Tower policy between 12.00am 17 December 2018 and 6pm 21 December 2018, 
    4. Have an active Tower policy at the time we post out your Prezzy® card.
  3. Eligible policies are:
    1. Tower Insurance House standard, House plus, House premium and House landlord's plus; and
    2. Tower Insurance Contents premium, Contents plus and Contents standard.
  4. FinTel, Trade Me Insurance, Kiwibank, TSB, Westpac, ASB and ANZ policies are not eligible for this promotion.
  5. One $50 Prezzy® card will be awarded per customer, regardless of the number of policies taken out.
  6. Tower’s decision is final with respect to all matters relating to this offer and promotion, and no further correspondence or discussions will be entered into.
  7. The Prezzy® Card is not transferable and cannot be exchanged for cash.
  8. Please allow up to 30 days from Tower’s receipt of premium payment for the new policy to receive your Prezzy® Card.
  9. The promotion is in no way sponsored, endorsed or administered by, or associated with Prezzy® Card.
  10. Prezzy® Cards terms and conditions apply.
  11. Tower reserves the right to change applicable terms and conditions for any competition or promotion at any time provided that no participant is prejudiced by the change.
  12. Taking out a new eligible policy and receiving the Prezzy® Card will be deemed to constitute acceptance of these terms and conditions.

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

Mercury and Tower bonus 50 Airpoints Dollars™

  1. The General Terms and Conditions above apply to this draw.
  2. To be eligible for a bonus 50 Airpoints Dollars™ you must:
    1. Be a Mercury Energy customer
    2. Have received a communication with the Tower offer from Mercury, or have seen the offer on the Mercury website.
    3. Contact Tower and take out an eligible insurance policy between 12.00am 15 November 2018 and 11:59pm 30 November 2018.
    4. Either:
      1. Mention the offer when taking out the eligible policy over the phone, or
      2. Complete the offer fulfilment form correctly when taking out the eligible policy online.
    5. Comply with Tower terms, conditions and normal underwriting criteria.
    6. Have an active policy at the time we allocate your bonus Airpoints Dollars.
  3. Eligible policies are:
    1. Tower Insurance house standard, house plus, house premium and house landlord's plus.
    2. Tower Insurance Car Comprehensive, Car Third Party, Fire & Theft, and Car Third Party.
    3. Tower Insurance Contents Standard, Contents Plus, Contents Premium.
    4. Tower Insurance Commercial Vehicle
    5. Tower Insurance Boat, Caravan, Motorcycle
    6. Tower Insurance Farm – where any of the above listed from 3(a) to 3(e) is added to the cover
  4. FinTel, Trade Me Insurance, Kiwibank, TSB, Westpac, ASB and ANZ policies are not eligible for this promotion.
  5. A bonus 50 Airpoints Dollars will be awarded per customer, regardless of the number of policies taken out.
  6. Airpoints Dollars are not transferable and cannot be exchanged for cash.
  7. Tower’s decision is final with respect to all matters relating to this offer and no further correspondence or discussions will be entered into.
  8. Please allow up to 30 days from receipt of premium payment for the new policy to receive your bonus 50 Airpoints Dollars.
  9. 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.
  10. Air New Zealand’s legal terms and conditions apply, available at www.airnewzealand.co.nz/legal-terms-and-conditions
  11. See Tower Online Discount terms and conditions can be found here.

Apex Advice Group 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 adviser network. 
  3. The competition period starts at 8am, Thursday 01 November 2018 and ends at 5pm, Friday 14 December 2018. 
  4. Any Adviser making 5 or more Fire and General referrals during the competition period will be awarded 50 Airpoints Dollars 
  5. The 2 advisers making the most referrals during the competition period will each be awarded 100 Airpoints Dollars. If each has made more than 5 referrals, this will be in addition to the 50 already awarded. In the event of more than 2 advisers tying for most referrals, the 2 advisers reaching the referral number quickest will be the winners. If there is still a tie, potential winners will go into a draw and be chosen at random.
  6. 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 Advice Group. 
  10. A full list of winners will be announced on 21 December 2018, in collaboration with Apex Advice Group, and notified by Tower Insurance. Every effort will be made to contact each 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 competition 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 competition at any time provided that no participant is prejudiced by the change. 
  15. Neither Tower, nor any other party associated with this competition 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 competition, or any prizes offered.
 

NEWPARK 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 NEWPARK adviser network. 
  3. The competition period starts at 8am, Monday 01 October 2018 and ends at 5pm, Friday 30 November 2018. 
  4. Any Adviser making 5 or more Fire and General referrals during the competition period will be awarded 50 Airpoints Dollars
  5. The 5 advisers making the most referrals during the competition period will each be awarded 100 Airpoints Dollars. If each has made more than 5 referrals, this will be in addition to the 50 already awarded. In the event of more than 5 advisers tying for most referrals, the 5 advisers reaching the referral number quickest will be the winners. If there is still a tie, potential winners will go into a draw and be chosen at random. 
  6. 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 NEWPARK.
  10. A full list of winners will be announced on 7 December 2018, in collaboration with Newpark, and notified by Tower Insurance. Every effort will be made to contact each 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 competition 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 competition at any time provided that no participant is prejudiced by the change.
  15. Neither Tower, nor any other party associated with this competition 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 competition, or any prizes offered.

Welcome survey 10 bonus Airpoints Dollars

  1. The General Terms and Conditions above apply to this draw
  2. To receive 10 bonus Airpoints Dollars you must:
    1. Have received an email from Tower Insurance Limited;
    2. Take part in research activity before 11.59pm on the final day of the month; and
    3. Must have registered your Airpoints number with Tower Insurance.
  3. 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
  4. The Airpoints Dollars are not transferable and cannot be exchanged for cash.
  5. 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.
  6. Air New Zealand’s legal terms and conditions apply, available at www.airnewzealand.co.nz/legal-terms-and-conditions
  7. Please allow up to 30 days from completion of survey to receive your 10 bonus Airpoints Dollars.
 

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 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.