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.

Terms and conditions to apply to mystery weekend giveaway

  1. The General Terms and Conditions above apply to this draw
  2. To be automatically eligible for the prize you must  purchase an eligible Kiwibank insurance policy provided by Tower during the competition period and comply with the policy terms, conditions and normal underwriting criteria
  3. Eligible insurance policies are house, contents, car arranged by Kiwibank and provided by Tower Insurance
  4. Any insurance policy purchased through Tower, FinTel or any other of Tower Alliance partners is not an eligible insurance policy
  5. The competition period is 15 August 2017 to 24 September 2017.
  6. To be eligible to enter, you must receive an eDM from Tower Insurance and Kiwibank.
  7. You will receive one entry to the prize draw per eligible policy purchased
  8. The prize is Deluxe Mystery Break (superior accommodation) - two nights for two people option with a total cost of $1,298.
  9. One winner will be drawn at random after the competition period
  10. Tower will contact the winner by phone or email
  11. If for any reason Tower does not receive a response from 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
  12. Air New Zealand Great Mystery Break™ terms and conditions apply and can be found at www.goholidays.co.nz/portal/travel/mystery_breaks_disclaimer.asp
  13. Tower’s decision is final and with respect to all matters relating to this offer and no further correspondence or discussions will be entered into
  14. The prize is not exchangeable or transferable and cannot be taken for cash
  15. 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
  16. Employees of Tower and Kiwibank are not eligible for this offer.

Tower Insurance terms and conditions for Prezzy card promotion

  1. To be eligible for this promotion, you must be part of Kepa adviser network and submit a referral to Tower Insurance.
  2. Tower Insurance reserves the right to extend, amend and cancel this promotion.
  3. The promotional period starts at 5pm, 3 August  2017 and ends at 5pm, 30 September 2017.
  4. Only one winner will be announced.
  5. The winner will be the Adviser registering the most new referrals with Tower Insurance between 5pm, 3 August 2017 and 5pm, 30 September 2017.
  6. The winner will receive one $250 Prezzy card.
  7. The winner will be notified by Tower Insurance and every effort will be made to contact the winner.
  8. If we are unable to get a response from the winner within 14 days then the prize will be given to the next adviser with the most referrals.
  9. A definition of the referral and process of referral are specified in the agreement between Tower insurance and Kepa.
  10. Prezzy card terms and conditions apply www.prezzycard.co.nz/terms-conditions/
  11. Tower Insurance general terms and conditions apply.

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, 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. 

Welcome Back $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 10 August and 31 August 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.

Welcome Back 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 10 August and 31 August 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.

Welcome Back 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 10 August and 31 August 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 11 September 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.

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 or email from Tower Insurance Limited;
    2. Comply with Tower terms, conditions and normal underwriting criteria;
    3. Have registered your Airpoints details with us;
    4. Contact Tower and take out one or more eligible policies between 28 July and 30 September 2017; and
    5. 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 Dollars.