Terms and conditions

Terms and conditions for Airpoints

View Details

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.

Christmas shopping cover Facebook competition 

  1. Entry Restrictions: This promotion is open to everyone aged 18+.
  2. Competition Period: starts Monday 18 December 2017 and ends Thursday 21 December 2017.
  3. Entry method: Entry requirement will be highlighted in the Facebook post.
  4. The draw: Winners will be drawn and announced on Facebook Friday 22 December 2017. Winners will be picked at random, and Towers decision in relation to the prize draw (including but not limited to eligibility) is final.
  5. Maximum Entries Per Person: Unlimited
  6. Prize Details: The winner/winners will receive the following prize: 1 of 5 $100 Prezzy Cards.  The prize is not transferable or redeemable for cash. The Prize will be sent out within 10 working days. Prezzy cards standard terms and conditions apply - https://www.prezzycard.co.nz/terms-conditions
  7. This promotion is in no way sponsored, endorsed or administered by, or associated with, Facebook, and Facebook has no liability whatsoever in connection with this promotion.
  8. Employees and contractors of Tower Insurance Limited and its advertising agencies and, in each case, their immediate families (including married or de facto spouses) are not eligible to enter the prize draw.
  9. Tower may use the winner’s name, city or town and Facebook profile photo for publicity purposes associated with this promotion.
  10. Tower reserves the right to add any additional promotions or amend these terms and conditions in any way up to the date for closing of entries.
  11. General terms and conditions apply www.tower.co.nz/terms

Tony Ogle screenprint draw

  1. The General Terms and Conditions above apply to this draw
  2. There are two Tony Ogle screenprints to be given away
  3. To receive an automatic entry into the draw you must:
    1. Be a Tower direct or referral model customer;
    2. Hold an active insurance policy (excluding Tower travel insurance) as at 11.59pm, 20 December 2017
  4. Two winners will be drawn at random on Thursday 21 December 2017
  5. The prize is not transferable and cannot be exchanged for cash
  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 prize winner agrees that their name may be used on social media networks, and in Tower Insurance email communications
  8. 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
  9. This draw is in no way sponsored, endorsed or administered by, or associated with Tony Ogle
  10. Please allow up to 30 days from draw date to receive the print.

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.

Welcome back 50 Airpoints Dollars

  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 1 November and 30 November 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. 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.
  9. Please allow at least 30 days from receipt of payment for the new policy to receive your Airpoints Dollars.
  10. Air New Zealand’s legal terms and conditions apply, available at www.airnewzealand.co.nz/legal-terms-and-conditions.
  11. Taking out an eligible policy and receiving the Airpoints Dollars will be deemed to constitute acceptance of these terms and conditions.

Welcome back $50 Prezzy® card 

  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 1 November and 30 November 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. 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.
  9. The promotion is in no way sponsored, endorsed or administered by, or associated with Prezzy® card.
  10. Prezzy® card terms and conditions apply.
  11. Please allow at least 30 days from receipt of payment for the new policy to receive your Prezzy® card via post.
  12. Taking out an eligible policy and receiving the Prezzy® card will be deemed to constitute acceptance of these terms and conditions.

Welcome back 1,000 Airpoints Dollars prize draw

  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 1 November and 30 November 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 14 December 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: a. Withdraw the prize offer; or b. 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.

Welcome survey $100 Prezzy® card

  1. The General Terms and Conditions above apply to this draw
  2. To receive an entry into that months prize draw you must:
    1. Have received an email from Tower Insurance Limited: and
    2. Take part in research activity before 11.59pm on the final day of the month.
  3. One entry per person per month.
  4. The winner will receive one $100 Prezzy® card.
  5. The winner will be selected and contacted within 1 week of the following month and every effort will be made to contact the winner.
  6. If we are unable to contact a prize winner within 14 days then the prize will be withdrawn and a new winner will be redrawn at random.
  7. 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.
  8. The Prezzy® card is not transferable and cannot be exchanged for cash.
  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. Terms and conditions apply to the use of Prezzy® cards and can be found at www.prezzycard.co.nz

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<sup>&reg;</sup> 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<sup>&reg;</sup> card terms and conditions apply www.prezzycard.co.nz/terms-conditions/
  11. Tower Insurance general terms and conditions apply.

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. 

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. a. Have received an email from Tower Insurance Limited;
    2. b. Take part in research activity before 11.59pm on the final day of the month; and
    3. c. 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.

50 Airpoints Dollars™

  1. The General Terms and Conditions apply to this offer.
  2. To be eligible for the 50 Airpoints Dollars™ you must:
    1. comply with Tower Insurance terms, conditions and normal underwriting criteria;
    2. have registered your Airpoints™ details with us;
    3. contact Tower and take out one or more eligible policies between 12.00am 1 October 2017 and 11.59pm 26 November 2017
    4. have paid at least one premium payment for your new policies; and
    5. have an active eligible policy at the time the Airpoints Dollars are deposited into your account.
  3. Eligible policies are Tower Insurance House, Contents and Comprehensive Car policies.
  4. FinTel, Trade Me Insurance, Kiwibank, TSB, Westpac, ASB and ANZ policies are not eligible for this promotion.
  5. 50 Airpoints Dollars will be allocated per eligible 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. Airpoints terms and conditions apply, available at www.airnewzealand.co.nz/airpoints-terms-and-conditions
  11. Please allow at least 30 days from receipt of payment for the new additional policy to receive your Airpoints Dollars.

Direct Mail 50 Airpoints Dollars

  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 12.00am 28 July 2017 and 11.59pm 26 November 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.

Travel survey $500 Prezzy® card

  1. The General Terms and Conditions apply to this competition.
  2. To be eligible for the $500 Prezzy® card prize draw you must:
    1. Have received an email from Tower Insurance Limited
    2. Have completed the three question travel questionnaire;
    3. Have submitted the questionnaire by midnight of 30 November 2017.
  3. The winner will receive one $500 Prezzy® card.
  4. The prize is not transferable and cannot be exchanged for cash.
  5. You will receive only one entry to the prize draw regardless of how many times you complete the survey.
  6. One prize winner will be drawn at random on 1 December 2017.
  7. Tower will contact the prize winner by email or phone. 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. Any entries into the competition will be deemed to constitute acceptance of these terms and conditions and the General Terms and Conditions.
  10. The competition is in no way sponsored, endorsed or administered by, or associated with Prezzy® card.
  11. Prezzy® card terms and conditions apply www.prezzycard.co.nz/terms-conditions/
  12. 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.
  13. Please allow at least 30 days from contact date to receive your Prezzy® card via post.