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.
  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.
 

'Win a year's free insurance' promotion

  1. These terms and conditions (Terms) apply to the "Win a year's free insurance" promotion in which a draw will be undertaken from all valid entries for three prizes 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 9am on the 15 September 2020 and ends at 11.59pm on 18 October 2020 (Promotion Period).
  4. To be eligible to enter the Promotion you must:
  5. a) hold an Eligible Policy (as defined below) with Tower during the Promotion Period and such policy must be in force on the Draw Date (as defined below);
    b) comply with all policy terms, conditions and normal underwriting criteria; and
    c) have registered for My Tower before the end of the Promotion Period,
    provided that Tower employees and Tower alliance partners are not eligible to enter this Promotion.
  6. Eligible policies are Tower [car, contents, house and landlord] insurance policies but exclude any:
  7. a) Tower tailored rural, business, commercial vehicle or travel policies;
    b) FinTel, Trade Me Insurance, ANZ, Kiwibank, TSB, Westpac or ASB insurance policies,
    (Eligible Policies).
  8. If you are eligible to enter the Promotion in accordance with clause 4 of these Terms, 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).
  9. Each registration will receive one entry into the Promotion but each entrant can only win one Prize (as defined below).
  10. There are three prizes to be won for this Promotion (Prizes). Each Prize consists of a one-off discount to your premium payable for the current year on one Eligible Policy up to the lower of the value of that premium or $3,000 (including GST, fees and levies). For the avoidance of doubt, each Prize Winner is responsible for paying any amount of the relevant premium which exceeds $3,000 (including GST, fees and levies).
  11. Three Prize Winners will be determined by a random draw from all valid entries on the 20 October 2020 and where required pursuant to clause 10 of these Terms, on the redraw date (Draw Date).
  12. Tower will contact each Prize Winner by phone or email using that Prize Winner’s last-known contact details provided to Tower. If for any reason Tower cannot contact any Prize Winner within five working days of the Prize Winner being drawn or any Prize Winner’s Eligible Policy is not in force on the Draw Date, that Prize Winner forfeits their Prize and Tower reserves the right to either:
    a) withdraw the Prize; and/or
    b) redraw a new Prize Winner from all valid entries at random. The same five working day contact time frame will apply to any redrawn Prize Winner.
  13. 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.
  14. Tower’s decision is final with respect to all matters relating to this Promotion and no further correspondence or discussions will be entered into.
  15. The Prize Winners grant Tower the right to use their personal information (including their name, photograph, city or town) for marketing and publicity purposes in connection with this Promotion on Tower’s website, social media networks and email communications.
  16. The Prizes are non-exchangeable, non-refundable, non-transferable, non-negotiable and cannot be redeemed for cash.
  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 or any Prizes, except where such Loss cannot be excluded by law.
  18. Tower reserves the right to change these Terms at any time without notice.
  19. Tower will collect, hold and use your personal information in accordance with the Privacy Act 1993 and its privacy policy.
  20. 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.
  21. By entering this Promotion you are deemed to have accepted these Terms.