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.
 

'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 15 February 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 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.

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

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. 

Save a quote

  1. The General Terms and Conditions above apply to the "Save A Quote" campaign
  2. To be eligible for a $50 Prezzy® card you must:
    1. Have received the communication with the "Save A Quote" offer from Tower Insurance ("Communication")
    2. b. Take out a new eligible Tower Insurance policy described in section 3 below ("Eligible Tower Policy") after 6pm 30 January 2019 and before your quote's expiry date noted on the Communication by: 
      1. Using the link provided in the Communication to take out an Eligible Tower Policy online 
      2. Contacting Tower by phone, mentioning the email offer and taking out an Eligible Tower Policy 
      3. Using the 'Arrange a call back' function in the Communication and following the relevant process to take out an Eligible Tower Policy 
    3. Have an active Tower policy at the time we post out your Prezzy® card
  3. Eligible policies are any Tower Insurance House, Contents, Car or Landlords policy.
  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 Eligible Tower 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 this offer and promotion at any time without notice.
  12. By entering into this promotion you accept these terms and conditions.

Airpoints Anniversary Campaign

  1. The General Terms and Conditions apply to the "Win your share of 30,000 Airpoints Dollars™ campaign".
  2. Entries open 12.00am Sunday 10 February 2019 and close 11.59pm 31 March 2019.
  3. To enter the draw you must obtain a car, house or contents quote from Tower (either online or by phone), provide us with your details (if online - via the competition banner in the quote form) and accept these terms and conditions.
  4. Each quote entitles you to one (1) entry into the draw regardless of how many insurance policies form part of the quote.
  5. Quotes must be for an actual asset owned by you and must be genuine (not false or misleading).
  6. Quotes must be for a new Tower policy or additional Tower policy.
  7. If you continue a quote and purchase a policy or policies by 11.59pm 31 March 2019, you will get one (1) additional entry into the draw.
  8. Entries are limited to five (5) per person regardless of how many quotes are obtained or policies purchased.
  9. To enter the draw you must be:
    1. Over 18 years old
    2. An Airpoints™ member with a valid Airpoints registration number
  10. Existing customers are already entered into the draw.
  11. The prize is 6 x 5,000 Airpoints Dollars™.
  12. Six prize winners will be drawn on Tuesday 5 April 2019.
  13. The winners will be notified by Tower via email address or by phone 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. By entering the draw and obtaining a quote in the competition portal or by phone, the entrant accepts that Tower may contact you relating to the competition or with marketing communications.
  16. Allow up to 30 working days from the date we contact you to receive your prize.
  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.

NZFSG - LoanMarket Adviser

  1. The General Terms and Conditions  apply to this offer
  2. To be eligible for the Grand Draw, you must:
    1. be a member of the NZ Financial Services Group (NZFSG) adviser network (Adviser) at all times during and at the end of the promotion period set out in paragraph 3 below (Promotion Period); and 
    2. refer customer(s) to Tower Insurance Limited (Tower) who take out a Tower Car, House or Contents policy (Eligible Policy) within the Promotion Period.  Referrals must be made in accordance with the terms and conditions set out in the agreement between Tower and NZFSG.
  3. To be eligible for the Monthly Draws, the customer must have been referred to Tower by an Adviser and have taken out an Eligible Policy during the Promotion Period.  One prize will be awarded per customer, regardless of the number of policies taken out. 
  4. The Promotion Period starts at 8am, Monday 11 March 2019 and ends at 5pm, Friday 7 June 2019.
  5. There will be three monthly customer prize draws during the Promotion Period (Monthly Draws), with a Monthly Draw to be held in each 4 week period of the Promotion Period. 
  6. The winner of each Monthly Draw will be randomly drawn from those customers who have been referred to Tower by an Adviser and have taken out an Eligible Policy during the Promotion Period.  Each winner of a Monthly Draw will receive a one-off discount to the premium payable on one Eligible Policy in respect of the first year up to the lower of the value of the premium or $2,000 (including GST). For the avoidance of doubt, each winner of a Monthly Draw is responsible for paying any amount of the relevant premium which exceeds $2,000 (including GST). If a customer has taken out multiple Eligible Policies with Tower, the prize will apply to the Eligible Policy with the highest premium.  
  7. There will be one grand prize draw during the Promotion Period (“Grand Draw”). The winner of the Grand Draw will be the Adviser whose referral is drawn at random from all eligible NZFSG referrals received by Tower during the Promotion Period. If the Adviser owes any money to NZFSG when the prize for the Grand Draw is drawn, another eligible winner may be re-drawn. 
  8. The prize for the Grand Draw is one prize of 1,000 Airpoints Dollars™ only, which will be allocated to an eligible Airpoints account of the winner’s choice.  
  9. None of the prizes are transferable and cannot be exchanged for cash.
  10. Airpoints terms and conditions apply to the Grand Draw and can be viewed at https://www.airnewzealand.co.nz/airpoints-terms-and-conditions. 
  11. All prize winners will be announced, in collaboration with NZFSG, on 14 June 2019 and notified by Tower. Tower will make reasonable endeavours to contact the winners.
  12. If, for any reason, Tower is unable to contact the winner(s) within 14 days of the winner(s) being announced Tower may deem the winner to have forfeited their right to the relevant prize and re-draw another eligible winner. 
  13. Tower’s decision is final with respect to all matters relating to the Grand Draw and any Monthly Draw and no further correspondence or discussions will be entered into. 
  14. By entering into the Grand Draw or a Monthly Draw (as applicable), you will be deemed to have these terms and conditions.
  15. Tower reserves the right to change the applicable terms and conditions for the Grand Draw or any Monthly Draw at any time.
  16. Neither Tower, nor other party associated with the Grand Draw or any Monthly Draw, 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 the Grand Draw or any Monthly Draw, or any prizes offered.

Tower and Paralympics New Zealand at Pasifika Draw

  1. The promoter is Tower Insurance Limited (“Tower”) located at 45 Queen Street, Auckland, 1010.
  2. This promotion is called “Tower and PNZ at Pasifika” (“Promotion”).
  3. Tower’s general terms and conditions also apply to the Promotion and can be viewed at www.tower.co.nz/terms.
  4. The Promotion commences at 9am on 23 March 2019 until 4pm on 24 March 2019 (“Promotion Period”).
  5. The Promotion is only open to entrants aged 18 and over, residing in Auckland.
  6. To be eligible for entry into the Promotion, you must visit the Tower marquee at Pasifika and do all of the following during the Promotion Period:
    1. Take a photo using the Tower Snapstation;
    2. Complete and correctly fill all required fields on entry form prompted by Tower Snapstation; and
    3. Share the photo sent by SnapStation on Facebook and tag @TowerNZ for the Airpoints Dollars™ prize, and/or @PNZ for the Chocolate Gift Basket prize.
  7. Employees and contractors of Tower and Paralympics New Zealand (or any of their associated entities) and their immediate families are not eligible to enter the Promotion.
  8. For the prize of 1x1,000 Airpoints Dollars, one winner will be randomly selected from all valid entries tagged @TowerNZ during the Promotion Period. Airpoints Dollars terms and conditions apply in addition to these terms and conditions, and can be viewed at https://www.airnewzealand.co.nz/airpoints-terms-and-conditions.
  9. For the prize of 1x Chocolate Gift Basket, one winner will be randomly selected from all valid entries tagged @PNZ during the Promotion Period.
  10. The winners will be drawn and contacted by Tower by phone or email on Tuesday, 26 March 2019. If a winner cannot be contacted for any reason by Friday, 29 March 2019, the winner’s prize will be forfeited and Tower will be entitled to re-draw another winner.
  11. Each winner must provide suitable identification to Tower’s satisfaction to be entitled to claim the relevant prize.
  12. Tower’s decision as to the winners of the prizes is final and binding and no correspondence will be entered into in relation to the conduct of the Promotion or otherwise.
  13. The prizes are not redeemable for cash and are non-transferable.
  14. The prize winners agree to provide information to Tower and be photographed and/or filmed for marketing and publicity purposes, and consent to their name, likeness, image and/or voice being used by Tower in any media and marketing materials without remuneration for an unlimited period of time.
  15. Tower reserves the right to change the terms and conditions at any time.
  16. Tower and its employees and agents will not be liable for any loss (including but not limited to indirect or consequential loss), damage or injury whatsoever that may arise in any way in connection with the Promotion or the use of any prizes, except for any liability which cannot be excluded by applicable law (in which case that liability is limited to the minimum permitted by law).
  17. The Promotion is 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 the Promotion.
  18. By entering the Promotion and providing your details, you give permission for Paralympics New Zealand and Tower to contact you for marketing and promotional purposes, unless you’ve opted out during the sign-up process.
  19. All personal information collected will be held by Tower and Paralympics New Zealand in accordance with the Privacy Act 1993 and their respective privacy policies. Under the Privacy Act 1993, you have the right to access and correct any such personal information by contacting Tower at marketing@tower.co.nz and Paralympics New Zealand at lgruffat@paralympics.org.nz.
  20. By entering into the Promotion you are deemed to have accepted these terms and conditions.

APEX Adviser 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 (Apex) adviser network (Adviser).
  3. The Promotion Period starts at 8am, Monday 18 March 2019 and ends at 5pm, Friday 17 May 2019.
  4. There will be two prizes of 500 Airpoints Dollars™ only. The winners will be drawn at random from all eligible entries. Only one prize per Adviser.
  5. To gain one entry into the draw, an Adviser has to contribute 3 Fire and General referrals during the Promotion Period. Every subsequent referral earns another entry into the draw.
  6. Each prize of 500 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.
  10. The winners will be announced on 27 May 2019, in collaboration with Apex, and notified by Tower Insurance. Every effort will be made to contact the 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 Promotion 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 Promotion at any time provided that no participant is prejudiced by the change.
  15. Neither Tower, nor other party associated with this Promotion 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 Promotion, or any prizes offered.

Mortgage Link and Insurance Link Adviser

  1. The General Terms and Conditions apply to this offer.
  2. To be eligible for this promotion, you must be a part of the Mortgage Link or Insurance Link adviser network.
  3. The competition period starts at 8am, Monday 01 Feb 2019 and ends at 5pm, Sunday 31 March 2019
  4. There will be one prize of 500 Airpoints Dollars only. The winner of the Grand Draw will be drawn at random from all eligible entries.
  5. To gain one entry into the draw, an adviser has to contribute at least 3 Fire and General referrals during the competition period. Every subsequent three referrals earn another entry into the draw.
  6. The Grand Draw prize of 500 Airpoints Dollars will be allocated to an eligible Airpoints account of the winner’s choice.
  7. The Grand Draw prize is 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 Mortgage Link and Insurance Link.
  10. The winner will be announced on 09 April 2019, in collaboration with Mortgage Link and Insurance Link, and notified by Tower Insurance. Every effort will be made to contact the winner.
  11. If, for any reason, Tower Insurance is unable to contact the winner 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 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 Adviser

  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 Feb 2019 and ends at 5pm, Sunday 31 March 2019
  4. There will be one prize of 1000 Airpoints Dollars only. The winner of the Grand Draw will be drawn at random from all eligible entries.
  5. To gain one entry into the draw, an adviser has to contribute at least 3 Fire and General referrals during the competition period. Every subsequent three referrals earn another entry into the draw.
  6. The Grand Draw prize of 1000 Airpoints Dollars will be allocated to an eligible Airpoints account of the winner’s choice.
  7. The Grand Draw prize is 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. The winner will be announced on 09 April 2019, in collaboration with Newpark, and notified by Tower Insurance. Every effort will be made to contact the winner.
  11. If, for any reason, Tower Insurance is unable to contact the winner 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 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.