Current Promotions Terms and Conditions

General Promotion Terms and Conditions

1. These terms and conditions (“General Terms”) apply to all promotions, competitions and offers listed below (collectively, “Promotion”).
2. In these General Terms, Tower means Tower Limited (Tower), at times referred to "we" or "us".
3. All Promotions are only open to residents of New Zealand aged at least 18 years.
4. By entering any Promotion and/or taking out a policy to enter into any Promotion, you are deemed to accept and agree to be bound by these General Terms as well as the specific terms and conditions relating to the relevant Promotion below (“Specific Terms”).
5. Where relevant, Tower policy terms, conditions, exclusions and underwriting criteria apply in respect of all eligible policies.
6. Information on how to enter the relevant Promotion, including any instructions in Tower advertisements, printed material, social media or websites will form part of the terms and conditions for the relevant Promotion. To the extent of any inconsistency in the information in any advertisements, printed material or websites, the General Terms and Specific Terms will prevail.
7. Tower will collect, hold and use your personal information in accordance with the Privacy Act 2020 (as amended, replaced or supplemented from time to time) (“Privacy Act”), and our privacy policy.
8. In accordance with the Privacy Act, you have the right to request access to and correction of your personal information held by Tower.
9. From time to time Tower may also use your information to provide you with communications for promotional and marketing purposes. If you do not want to receive such communications please let us know at any time by calling Tower on 0800 379 372 or by emailing unsubscribe@tower.co.nz.
10. Where a prize is offered as part of a Promotion, Tower reserves the right to request any prize winners to provide proof of identity, proof of residency at the nominated prize delivery address and/or proof of entry validity. In the event that such proof is not provided by the prize winner, is not received by Tower within a reasonable time or is not satisfactory to Tower, then that prize winner shall forfeit their rights to the prize.
11. All decisions made by Tower are final with respect to all matters relating to any Promotion and no further correspondence or discussions will be entered into.
12. Tower reserves the right to change, suspend or cancel the terms and conditions for a Promotion at any time.
13. Except for liability that may not by law be excluded, Tower will not be liable for any loss, claim, cost, expense, liability or injury suffered by any person in any way associated with any Promotion or for any prizes.
14. All Promotions are bound by the laws of New Zealand and any disputes will be subject to the exclusive jurisdiction of the courts of New Zealand.

Multi-policy discount

1. Discount may exclude travel, pet, commercial vehicle, business, contract works - renovation cover 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.

FAST50 discount

1. These terms and conditions ("Terms"), and Tower’s General Terms available here, apply to Tower’s “FAST50" promotion ("Promotion").
2. In these Terms “Tower” means Tower Limited.
3. This Promotion commences at 12.00am, Sunday 7 August 2022 and ends at 11.59pm, Saturday 3 September 2022 ("Promotion Period").
4. The Promotion applies if you are: (a) purchasing any Eligible Policy (as defined in clause 5 below) online through the Tower website in a single transaction (“Eligible Customer”); and (b) using the promo code "FAST50" ("Promo Code") during the Promotion Period. If so, then a one-off discount of NZ$50 per Eligible Policy will be deducted from the first year’s annual premium for each Eligible Policy purchased in the same transaction ("Discount"). The Discount will not apply to any renewal of the Eligible Policy. The premiums for renewal of an Eligible Policy will be assessed and set at the prevailing premiums at the time of each such renewal.
5. For the purposes of this Promotion, an Eligible Policy means any new Tower House, Landlord, Contents, Pet, Boat, and Motor insurance policies, but excludes: (a) Tower Travel Insurance policies; (b) Any Tower Rural and Commercial policies; (c) any other insurance policies with Tower purchased by any means other than online through Tower’s website using the Promo Code.
6. Tower employees and employees of Tower’s partners, brokers, or advisers, are not eligible to enter this Promotion.
7. The Promo Code cannot be used in conjunction with any other offer, discount or promotion, except for the Tower multi policy discount (if applicable). The Promo Code must only be used once per Eligible Policy. Any Discount cannot be exchanged for cash or any other benefit.
8. Policy terms, conditions, exclusions, and underwriting criteria apply in respect of all policies.
9. By purchasing any Eligible Policy online using the Promo Code during the Promotion Period in accordance with our standard transaction process, you are bound by these Terms. If you do not agree to be bound by these Terms, then you must not use the Promo Code when purchasing an Eligible Policy.
10. We reserve the right, in our reasonable discretion, to revoke the Discount in relation to particular customers where we consider that the Terms of this Discount have been dishonoured or not been complied with. We reserve the right to extend, change or terminate this Promotion at any time without notice.

Win a year's premium on us

1. These terms and conditions (“Terms”), and Tower’s General Terms available here, apply to the "Win a year's premium on us” promotion ("Promotion").
2. In these Terms “Tower” means Tower Limited.
3. The promotion period starts at 12:00 am, Sunday 20 February 2022 and ends at 11:59 pm, Saturday 28 May 2022 (“Promotion Period”). The Promotion consists of 14 weekly draws (each, a “Draw”). Entries for each Draw open at 12am on Sunday and close at 11:59 pm the following Saturday (each, a “Draw Period”). Each Prize Winner will be determined by a random Draw on Wednesday 29 June 2022 (“Draw Date”) from all valid entries from each of their relevant Draw Periods.
4. Entry to a Draw is open to you if: a. you purchase a new Eligible Policy online at Tower.co.nz, through one of Tower’s Corporate Portals or over the phone from Tower during any Draw Period; and b. that Eligible Policy is still in force on the Draw Date; and c. Tower receives payment of your premium for such policy (either in full for annual payment or at least the first instalment if your payment method is otherwise) within 30 days from the end of the relevant Draw Period (“Eligible Customer”).
5. Tower employees and employees of Tower’s partners, brokers, or advisers, and (for each of them) their respective immediate families are not eligible to enter this Promotion.
6. For the purposes of this Promotion, an “Eligible Policy” means any new Tower House, Contents, Landlord’s, Boat, Pet and Motor insurance policies, but excludes: a. Tower Travel Insurance; b. any Tower Commercial and Rural policies; c. any other insurance policies with Tower purchased by any means other than the channels described in paragraph 6(a). Further, to constitute an Eligible Policy, you must not have held that specific type of Tower policy for the relevant asset insured in the three months prior to the start of the Promotion Period.
7. If you are eligible to enter this Promotion as an Eligible Customer, Tower will automatically enter you into the Promotion unless we receive notification from you that you do not wish to participate in the Promotion.
8. Eligible Customers will receive one entry per Eligible Policy purchased in accordance with these Terms (i.e., purchase two Eligible Policies and receive two entries).
9. There will be one prize winner in respect of each Draw Period (each, a “Prize Winner”), and each Prize Winner can only win one prize during the Promotion.
10. The prize for each Draw is a one-off discount on the first year’s premium payable for the Prize Winner’s Eligible Policy as quoted at the time of purchase of that Eligible Policy (“Premium”) up to the lower of (i) the value of the Premium (including GST, fees and levies) or (ii) NZ$1,000 (including GST, fees and levies) (each a “Prize”). Depending on the value of their Premium, a Prize Winner may receive (at Tower’s discretion) a credit or refund of any Premium they have actually paid before the Draw Date.
11. In the event that any Prize Winner’s Premium is more than NZ$1,000 (including GST, fees and levies), that Prize Winner must pay the remaining balance of their Premium.
12. The Prizes are non-exchangeable, non-refundable, non-transferable, non-negotiable and cannot be redeemed for cash.
13. The Prize Winners will be notified by Tower via email or by phone within 2 working days from the Draw Date. If, for any reason: a. Tower is unable to contact a Prize Winner within 10 working days of the Prize Winner b. Tower has not received payment of a Prize Winner’s Premium (either in full for annual payment or at least the first instalment if the payment method is otherwise) prior to the Draw Date; or c. a Prize Winner’s Eligible Policy is not in force on the Draw Date, Tower reserves the right to withdraw the Prize and/or re-draw a new Prize Winner.
14. Each Prize Winner grants Tower the right to use their personal information for marketing and publicity purposes in connection with this Promotion on Tower’s website and/or social media networks, and in communications. Please refer to our Privacy Policy on our website for more information.
15. By purchasing an Eligible Policy during any Draw Period, you are deemed to have accepted these Terms.

Win a share of $10,000

Multi-pet discount

1. Discount is 5% for each additional Tower Pet Insurance policy purchased.
2. Discount excludes optional Dental Care cover.
3. Discount may exclude GST and/or government levies.

Be in to win a $500 Prezzy card promotion

1. These terms and conditions (Terms) apply to the "Be in to win a $500 Prezzy card" Promotion (Promotion). The General Terms above also form part of these Terms.
2. In these Terms "Tower" means Tower Limited.
3. The Promotion commences at 12am Wednesday 22nd December 2021 and ends at 11:59pm Friday 30^th September 2022 (Promotion Period).
4. This Promotion is open to you if you hold an Eligible Policy with Tower and you have received the Email (as defined in clause 6 below) for this Promotion (Eligible Customer).
5. For the purposes of this Promotion, an "Eligible Policy" means a Tower car, contents or house insurance policy and excludes Tower commercial car, commercial contents and rural insurance policies.
6. If you are an Eligible Customer, you can enter this Promotion by pressing the ‘be in to win’ button on the "Quick check-in - and your chance to win" promotion email sent to you by Tower for this Promotion during the Promotion Period (Email) within 14 days of receiving it. If you click on the ‘be in to win’ button within this timeframe, you’ll be taken to a landing page which will confirm you are in the relevant month’s prize draw (Entry).
7. Tower’s employees and their respective immediate families are not eligible to enter this Promotion.
8. Only one Entry per policyholder during the Promotion Period is allowed. For the avoidance of doubt, even if you hold two or more Eligible Policies, you will qualify for one Entry only.
9. Any Entry received outside of the Promotion Period will not be accepted.
10. There is one Prize per calendar month to be won for this Promotion and each winner of a Prize (Prize Winner) will receive one Prezzy Card valued at $500 (Prize).
11. Each Prize is subject to Prezzy Card terms and conditions found here.
12. Each month’s Prize Winner will be determined by a random Draw (Draw) by Tower within the first 3 business days of each month from all valid Entries received in the previous calendar month, or if required pursuant to clause 14(b) of these Terms, on the date where any new Prize Winner is selected (Draw Date).
13. Tower will announce each Prize Winner via email. The Prize Winner will be notified after 12.00pm on the Draw Date.
14. Each Prize Winner must email Tower and provide their full contact details (including first name, last name, email address, phone number and address) within 5 business days of that Prize Winner being announced to claim their Prize.
15. If, for any reason, Tower does not receive an email containing the required information from a Prize Winner within the stated timeframe, the Prize Winner forfeits their Prize and Tower may (at its sole and absolute discretion): (a) withdraw the Prize; and/or (b) select a new Prize Winner from all valid entries. The same 5 business day contact time frame will apply to any such Prize Winner.
16. Each Prize Winner will be sent their Prize by courier.
17. By claiming a Prize, each Prize Winner grants Tower the right to use their personal information (including their name, photograph, city and/or town) for marketing and publicity purposes in connection with this Promotion on Tower’s website, Facebook page, other social media networks and email communications. Please refer to Tower’s Privacy Policy for more information.
18. The Prizes are non-exchangeable, non-refundable, non-transferable, non-negotiable and cannot be redeemed for cash. If a Prize is not available for any reason, Tower reserves the right to substitute the Prize with another prize of a similar value.
19. If for any reason this Promotion is not capable of running as planned, Tower may suspend, cancel or modify this Promotion. Tower reserves the right at its sole and absolute discretion to amend these Terms or change or cancel this Promotion at any time without notice.
20. 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.
21. By entering this Promotion, you are deemed to have accepted these Terms.
22. Prizes are awarded by Tower in its absolute discretion and any questions or concerns relating to this Promotion or these Terms are to be addressed to Tower.

"Win a share of 2,500 Airpoints™ Dollars" promotion terms and conditions

1. These terms and conditions ("Terms"), and Tower’s General Terms above, apply to the “Win a share of 2,500 Airpoints™ Dollars" promotion ("Promotion").
2. In these Terms “Tower” means Tower Limited.
3. This Promotion commences at 12.00am, Friday 15^th July 2022 and ends at 11.59pm, Saturday 6^th August 2022 ("Promotion Period").
4. To enter this Promotion, you must have:
   1. purchased any Eligible Policy (as defined in clause 5 below) online through the Tower website in a single transaction (“Eligible Customer”);
   2.  that Eligible Policy is still in force on the Draw Date; and
   3. used the promo code "AP500" ("Promo Code") during the Promotion Period.
5. If so, Tower will automatically enter you into the Draw (as defined in clause 12 below). A one-off discount of NZ$50 per Eligible Policy will also be deducted from the first year’s annual premium for each Eligible Policy purchased in the same transaction ("Discount"). The Discount will not apply to any renewal of the Eligible Policy and you must not have held that specific type of Tower policy for the relevant asset insured in the three months prior to the start of the Promotion Period.
6. For the purposes of this Promotion, an “Eligible Policy” means any new Tower House, Landlord, Contents, Boat, and Motor insurance policies, but excludes:
   1. Tower Travel Insurance policies;
   2. Pet Insurance policies;
   3. any Tower Rural and Commercial policies;
   4. any other insurance policies with Tower purchased by any means other than online through Tower’s website using the Promo Code.
7. Tower employees and employees of Tower’s partners, brokers, or advisers, are not eligible to enter this Promotion.
8. The Promo Code cannot be used conjunction with any other offer, discount, or promotion, except for the Tower multi policy discount (if applicable). The Promo Code must only be used once per Eligible Policy. Any Discount cannot be exchanged for cash or any other benefit.
9. Eligible Customers will receive one entry per Eligible Policy purchased in accordance with these Terms (i.e., purchase two Eligible Policies and receive two entries).
10. An entry received outside of the Promotion Period will not be accepted.
11. There are 5 prizes in total to be won for this Promotion and each winner of a prize (“Prize Winner”) will receive 500 Airpoints™ Dollars each (“Prize”). Each Prize Winner can only win one Prize.
12. The Prize is subject to Air New Zealand Airpoints™ terms and conditions found here.
13. The Prize Winners will be determined by a random draw by Tower from all valid entries on and if required pursuant to clause 14(b) of these Terms, on the date where any new Prize Winner is selected (“Draw Date”). The Prize Winner will be notified after .
14. Tower will contact the Prize Winner via email or phone notifying the Prize Winner that they have won the Prize. The Prize Winner . The Prize Winner will be asked to provide Tower with their full name associated with the Prize Winner’s Airpoints™ number and confirmation of their Airpoints™ number (if not already received at time of purchase) within one week of that Prize Winner being announced via email or over the phone to claim their Prize.
15. If, for any reason:
    1. Tower is unable to contact the Prize Winner within two weeks of the Prize Winner being drawn; or
    2. the Prize Winner’s Eligible Policy is not in force on the Draw Date,
    3. Tower reserves the right to withdraw the Prize and/or re-draw a new Prize Winner at any time at its absolute discretion. The same one-week timeframe will apply to the new Prize Winner.
16. Once the Prize Winner has accepted the Prize and confirmed their Airpoints™ details in accordance with clause 13 above, Tower will automatically apply the Prize to the Prize Winner’ Airpoints™ account.
17. By claiming a Prize, the Prize Winner grants Tower the right to use their personal information (including their name, photograph, city and/or town) for marketing and publicity purposes in connection with this Promotion on Tower’s website, Facebook page, other social media networks and email communications. Please refer to Tower’s Privacy Policy for more information.
18. The Prize is non-exchangeable, non-refundable, non-transferable, non-negotiable and cannot be redeemed for cash. If a Prize is not available for any reason, Tower reserves the right to substitute the Prize with another prize of a similar value.
19. 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.
20. 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 Prize, except where such Loss cannot be excluded by law.
21. By purchasing any Eligible Policy online using the Promo Code during the Promotion Period in accordance with our standard transaction process, you are bound by these Terms. If you do not agree to be bound by these Terms, then you must not use the Promo Code when purchasing an Eligible Policy.
22. We reserve the right, in our reasonable discretion, to revoke the Discount in relation to particular customers where we consider that the Terms of this Discount have been dishonoured or not been complied with. We reserve the right to extend, change or terminate this Promotion at any time without notice.
23. Policy terms, conditions, exclusions, and underwriting criteria apply in respect of all policies.
24. The Prize is awarded by Tower in its absolute discretion and any questions or concerns relating to this Promotion or these Terms are to be addressed to Tower.

Be in to win a year’s free RoadWise® roadside assistance promotion

1. These terms and conditions (“Terms”) apply to the "Be in to win a year’s free RoadWise® roadside assistance” promotion (“Promotion”). The General Terms above also form part of these Terms.
2. In these Terms “Tower” means Tower Limited.
3. The Promotion commences at 12:00am Monday 11 July 2022 and ends at 11:59pm Sunday 4 September 2022 (“Promotion Period”).
4. The Promotion consists of eight weekly draws (each, a “Draw”).
5. Entries for each Draw open at 12am on Monday and close at 11:59pm the following Sunday (each, a “Draw Period”).
6. Each Prize Winner (as defined below) will be determined by a random draw on Monday 5 September 2022 (“Draw Date”) from all valid entries from the relevant Draw Periods.
7. Entry to a Draw is open to you if you: a) hold a Tower motor policy with RoadWise® roadside assistance and have had a recent RoadWise® roadside assistance call out; and b) receive an email from Tower during the Promotion Period requesting the completion of a RoadWise® survey (Survey), (“Eligible Customer”). If you are an Eligible Customer, you can enter this Promotion and be in the relevant week’s Draw by completing and submitting the Survey and leaving your email address under question 13 of the Survey, during the Promotion Period.
8. Employees of Tower and NZRA and their respective immediate families are not eligible to enter this Promotion.
9. Only one entry into the Draw per Eligible Customer during the Promotion Period is allowed.
10. Any entry into the Draw received outside of the Promotion Period will not be accepted.
11. There will be one prize winner in respect of each Draw Period (each, a “Prize Winner”).
12. The prize for each Draw is one year’s free RoadWise® roadside assistance while holding a Tower car insurance policy (“Prize”). A Prize Winner will receive a refund of any RoadWise® roadside assistance premium they have paid before the Draw Date.
13. The Prizes are non-exchangeable, non-refundable, non-transferable, non-negotiable and cannot be redeemed for cash. If a Prize is not available for any reason, Tower reserves the right to substitute the Prize with another prize of a similar value.
14. Each Prize Winner will be determined by a random draw on the Draw Date by Tower from all valid entries from the relevant Draw Period , and if required pursuant to clause 16(b) of these Terms, on the date where any new Prize Winner is selected.
15. The Prize Winner will be notified by Tower via email or by phone within 10 working days of the Draw Date.
16. If, for any reason, Tower is unable to contact a Prize Winner within 10 working days of drawing the Prize Winner, the Prize Winner forfeits their Prize and Tower may (at its sole and absolute discretion): a. withdraw the Prize; and/or b. re-draw a new Prize Winner from all valid entries. The same contact timeframe will apply to any such Prize Winner.
17. By claiming a Prize, each Prize Winner grants Tower the right to use their personal information for marketing and publicity purposes in connection with this Promotion on Tower’s website and/or social media networks, and in email communications. Please refer to Tower’s Privacy Policy for more information.
18. If for any reason this Promotion is not capable of running as planned, Tower may suspend, cancel or modify this Promotion.
19. By entering this Promotion, you are deemed to have accepted these Terms.
20. Prizes are awarded by Tower in its absolute discretion and any questions or concerns relating to this Promotion or these Terms are to be addressed to Tower.

Coastguard membership promo code

1. These terms and conditions (Terms), apply to Coastguard’s “Eligible Customer promotion" (Promotion).
2. This Promotion commences at 12.00am, 1st November 2021 and ends at 11.59pm, 30 November 2022 (Promotion Period).
3. The Promotion applies if you purchase a Tower Boat Insurance policy (Eligible Policy) online through the Tower website or over the phone from Tower during the Promotion Period (Eligible Customer).
4. If you purchase an Eligible Policy in accordance with these Terms, you will receive a promotional code (Promo Code) for $30 off an annual Individual Coastguard Membership, which can be purchased online here through the Coastguard website or over the phone from Coastguard. The Promo Code for the $30 off discount will be included in your policy letter.
5. One Promo Code per Eligible Policy and each code can only be used once. Any discount cannot be exchanged for cash or any other benefit.
6. By using the Promo Code to purchase an Individual Coastguard Membership, you are bound to Coastguard’s membership terms and conditions. If you do not agree to be bound by the membership terms and conditions, then you must not use the Promo Code.
7. Policy terms, conditions, exclusions, and underwriting criteria apply.
8. We reserve the right, in our reasonable discretion, to revoke the Promo Code in relation to particular customers where we consider that the Terms of this Promotion have been dishonoured or not been complied with. We reserve the right to extend, change or terminate this Promotion at any time without notice.
9. By entering this Promotion, you are deemed to have accepted these Terms.

Coastguard staff and volunteer discount terms and conditions

1. These terms and conditions ("Terms") apply to the "Coastguard New Zealand Volunteer and Staff Discount" offer (“The Offer”).  
2. In these Terms, "Tower" refers to Tower Limited. 
3. To be eligible for the Offer, you must:
   a. Be a New Zealand resident;
   b. Be at least 18 years old;
   c. Be a ‘Current Employee or Volunteer' of Coastguard New Zealand. A ‘Current Employee’ is any person who is currently employed by or Volunteer with Coastguard New Zealand under a full-time, part-time or other employment contract;
   d. Purchase an eligible Tower insurance policy (“Eligible Policy”). 

The “Eligibility Criteria” 

4. A Discount will be applied to the premium at the current Discount Rate of 15% ("Discount Rate") for one year ("Discount"). The Discount may be renewed after each one year term, provided that you continue to meet the Eligibility Criteria. 
5. The Discount only applies to the company premium amount and does not apply to taxes or levies. The Discount Rate may be subject to change at any time at Tower’s sole and absolute discretion.  
6. The Discount is only available on certain Policies (“Eligible Policies”). Eligible Policies are Tower Standard, Plus, Premium and Landlord’s Plus House Insurance; Tower Standard, Plus and Premium Contents Insurance; Tower Comprehensive, Third Party Fire and Theft and Third Party Car Insurance; Tower Boat Insurance.
7. The Discount does not apply on any other policies and cannot be used in conjunction with any other offer, except the Tower Insurance Multi Policy Discount if applicable. To see if you apply for the Tower Insurance Multi Policy Discount., there are separate terms and conditions available on Tower’s website. 
8. Tower reserves the right at its sole and absolute discretion to amend these Terms or change or cancel this Offer at any time without notice.  
9. By purchasing any Eligible Policy online using the Discount in accordance with our standard checkout process, you are bound by these Terms. If you do not agree to be bound by these Terms, then you must not use the Discount when purchasing an Eligible Policy.
10. Tower policy terms, conditions and exclusions and underwriting criteria apply in respect of all Eligible Policies. 
11. This Offer is bound by the laws of New Zealand and any disputes will be subject to the exclusive jurisdiction of the courts of New Zealand. 

10% off Coastguard discount terms and conditions

1. These terms and conditions (“Terms”) apply to the “10% off Coastguard Discount” offer (“Offer”).
2. In these Terms, “Tower” refers to Tower Limited.
3. To be eligible for the Offer, you must:
   a. be a New Zealand resident;
   b. be at least 18 years old;
   c. purchase a new Tower Boat insurance policy through Coastguard’s corporate portal.
   The “Eligibility Criteria”
4. A discount will be applied to the premium as quoted at the time of purchase at the current discount rate of 10 % (“Discount Rate”) for one year (“Discount”).
5. The Discount only applies to the company premium amount and does not apply to applicable taxes or levies. The Discount Rate may be subject to change at any time at Tower’s sole discretion.
6. The Discount does not apply to any other policies and cannot be used in conjunction with any other offer, discount or promotion, except the Tower Multi-policy Discount (if applicable). To see if you qualify for the Tower Multi-policy Discount, see the multi-policy discount terms and conditions available on Tower’s website.
7. The Discount is non-exchangeable, non-refundable, non-transferable, non-negotiable and cannot be redeemed for cash or any other benefit.
8. The Offer does not apply to the respective immediate families of a ‘Current Employee’.
9. Tower will collect, hold and use your personal information in accordance with the Privacy Act 2020 (as amended, replaced or supplemented from time to time) (“Privacy Act”), and Tower’s privacy policy. In accordance with the Privacy Act, you have the right to request access to and correction of your personal information held by Tower.
10. Tower reserves the right at its sole discretion to amend these Terms or change or cancel this Offer at any time without notice.
11. All decisions made by Tower are final with respect to all matters relating to the Offer, and no further correspondence or discussions will be entered into.
12. By purchasing a Tower Boat insurance policy using the Discount in accordance with these Terms, you are bound by these Terms. If you do not agree to be bound by these Terms, then you must not use the Discount when purchasing a Tower Boat insurance policy.
13. Tower policy terms, conditions and exclusions and underwriting criteria apply in respect of the Tower Boat insurance policy.
14. This Offer 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 one of 10 $500 Airpoints™ Dollars" promotion terms and conditions

1. These terms and conditions ("Terms"), and Tower’s General Terms above, apply to the “Win one of 10 $500 Airpoints™ Dollars" promotion ("Promotion").
2. In these Terms “Tower” means Tower Limited.
3. This Promotion commences at 12.00am, Wednesday 3rd August 2022 and ends at 11.59pm, Sunday 25th September 2022 ("Promotion Period").
4. To enter this Promotion, you must:
   (a) be one of Tower’s Advisers (as defined in clause 5 below), and
   (b) make a referral through the approved Tower process (“Referral”),
   (“Eligible Referrer”).
5. For the purposes of this Promotion, an “Adviser” means any independent adviser registered with Tower as a referring partner who is able to refer to Tower using the approved referral process.
6. If you are eligible to enter this Promotion as an Eligible Referrer, Tower will automatically enter you into the Promotion unless we receive notification from you that you do not wish to participate in the Promotion.
7. Each Eligible Referrer will receive one entry into the Draw (as defined in clause 11 below) per Referral in accordance with these Terms.
8. An entry received outside of the Promotion Period will not be accepted.
9. There are 10 prizes in total to be won for this Promotion and each winner of a prize (“Prize Winner”) will receive 500 Airpoints™ Dollars each (“Prize”). Each Prize Winner can only win one Prize.
10. The Prize is subject to Air New Zealand Airpoints™ terms and conditions found here and the terms and conditions of any other supplier or service provider relating to the Prize.
11. The Prize Winners will be determined by a random draw by Tower from all valid entries (“Draw”) on 29th September 2022, and if required pursuant to clause 12 of these Terms, on the date where a new Prize Winner is selected (“Draw Date”). The Prize Winner will be notified after 12:00pm on the Draw Date.
12. Tower will contact the Prize Winner via email or phone notifying the Prize Winner that they have won the Prize. The Prize Winner will be asked to provide Tower with their full name associated with the Prize Winner’s Airpoints™ number and confirmation of their Airpoints™ number within one week of that Prize Winner being announced via email or over the phone to claim their Prize.
13. If for any reason Tower is unable to contact the Prize Winner within two weeks of the Prize Winner being drawn, Tower reserves the right to withdraw the Prize and/or re-draw a new Prize Winner at any time at its absolute discretion. The same two-week timeframe will apply to the new Prize Winner.
14. Once the Prize Winner has accepted the Prize and confirmed their Airpoints™ details in accordance with clause 12 above, Tower will automatically apply the Prize to the Prize Winners’ Airpoints™ account.
15. By claiming a Prize, the Prize Winner grants Tower the right to use their personal information (including their name, photograph, city and/or town) for marketing and publicity purposes in connection with this Promotion on Tower’s website, Facebook page, other social media networks and email communications. Please refer to Tower’s Privacy Policy for more information.
16. The Prize is non-exchangeable, non-refundable, non-transferable, non-negotiable and cannot be redeemed for cash. If a Prize is not available for any reason, Tower reserves the right to substitute the Prize with another prize of a similar value.
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 Prize, except where such Loss cannot be excluded by law.
18. Each Prize Winner is responsible for ensuring that they comply with any applicable internal company policies regarding receipt and/or redemption of any Prize.
19. The Prize is awarded by Tower in its absolute discretion and any questions or concerns relating to this Promotion or these Terms are to be addressed to Tower.
20. By entering this Promotion, you are deemed to have accepted these Terms.

Allianz Partners staff discount terms and conditions

1. These terms and conditions (“Terms”) apply to the “Allianz Partners Staff Discount” offer (“The Offer”).
2. In these Terms, “Tower” refers to Tower Limited.
3. To be eligible for the Offer, you must:
   a. Be a New Zealand resident;
   b. Be at least 18 years old;
   c. Be a ‘Current Employee' of AWP Services New Zealand Limited t/a Allianz Partners (Allianz Partners). A ‘Current Employee’ is any person who is currently employed by Allianz Partners under a full-time, part-time or other employment contract;
   d. Purchase an eligible Tower insurance policy (“Eligible Policy”).

The “Eligibility Criteria”

4. A Discount will be applied to the premium at the current Discount Rate of 15 % (“Discount Rate”) for 1 year (“Discount”). The Discount may be renewed after each 1 year term, provided that you continue to meet the Eligibility Criteria.
5. The Discount only applies to the company premium amount and does not apply to taxes or levies. The Discount Rate may be subject to change at any time at Tower’s sole and absolute discretion.
6. The Discount is only available on certain Policies (“Eligible Policies”). Eligible Policies are Tower Standard, Plus, Premium and Landlord’s Plus House Insurance; Tower Standard, Plus and Premium Contents Insurance; Tower Comprehensive, Third Party Fire and Theft and Third Party Car Insurance acquired on the Tower website.
7. The Discount does not apply on any other policies and cannot be used in conjunction with any other offer, except the Tower Insurance Multi Policy Discount if applicable. To see if you apply for the Tower Insurance Multi Policy Discount., there are separate terms and conditions available on Tower’s website.
8. Tower reserves the right at its sole and absolute discretion to amend these Terms or change or cancel this Offer at any time without notice.
9. By purchasing any Eligible Policy online using the Discount in accordance with our standard checkout process, you are bound by these Terms. If you do not agree to be bound by these Terms, then you must not use the Discount when purchasing an Eligible Policy..
10. Tower policy terms, conditions and exclusions and underwriting criteria apply in respect of all Eligible Policies.
11. This Offer is bound by the laws of New Zealand and any disputes will be subject to the exclusive jurisdiction of the courts of New Zealand.

AIA staff discount terms and conditions

1. These terms and conditions (“Terms”) apply to the “AIA Staff Discount” offer (“The Offer”).
2. In these Terms, “Tower” refers to Tower Limited.
3. To be eligible for the Offer, you must:
   a. Be a New Zealand resident;
   b. Be at least 18 years old;
   c. Be a ‘Current Employee' of AIA, A ‘Current Employee’ is any person who is currently employed by AIA under a full-time, part-time or other employment contract;
   d. Purchase an eligible Tower insurance policy (“Eligible Policy”).

The “Eligibility Criteria”

4. A Discount will be applied to the premium at the current Discount Rate of 15 % (“Discount Rate”) for 1 year (“Discount”). The Discount may be renewed after each 1 year term, provided that you continue to meet the Eligibility Criteria.
5. The Discount only applies to the company premium amount and does not apply to taxes or levies. The Discount Rate may be subject to change at any time at Tower’s sole and absolute discretion.
6. The Discount is only available on certain Policies (“Eligible Policies”). Eligible Policies are Tower Standard, Plus, Premium and Landlord’s Plus House Insurance; Tower Standard, Plus and Premium Contents Insurance; Tower Comprehensive, Third Party Fire and Theft and Third Party Car Insurance acquired on the Tower website.
7. The Discount does not apply on any other policies and cannot be used in conjunction with any other offer, except the Tower Insurance Multi Policy Discount if applicable. To see if you apply for the Tower Insurance Multi Policy Discount., there are separate terms and conditions available on Tower’s website.
8. Tower reserves the right at its sole and absolute discretion to amend these Terms or change or cancel this Offer at any time without notice.
9. By purchasing any Eligible Policy online using the Discount in accordance with our standard checkout process, you are bound by these Terms. If you do not agree to be bound by these Terms, then you must not use the Discount when purchasing an Eligible Policy..
10. Tower policy terms, conditions and exclusions and underwriting criteria apply in respect of all Eligible Policies.
11. This Offer is bound by the laws of New Zealand and any disputes will be subject to the exclusive jurisdiction of the courts of New Zealand.

Appendix 1: CSC 1Team Members Discount terms and conditions

1. These terms and conditions (“Terms”) apply to the “CSC 1Team Members Discount” offer (“Offer”).
2. In these Terms, “Tower” means Tower Limited.
3. To be eligible for the Offer, you must:
   a. be a New Zealand resident;
   b. be 18 years or over;
   c. be a Customer of CSC Buying Group Limited and
   d. purchase a new Eligible Policy (as defined in clause 4 below) online through the Tower website via the 1Team app before July 2025.
   (collectively, the “Eligibility Criteria”)
4. Eligible policies are Tower house standard, plus, premium and landlord’s plus insurance policies; Tower contents standard, plus and premium insurance policies; and Tower car comprehensive, third party fire and theft, and third party insurance policies but exclude Tower Cover4Travel (each an “Eligible Policy” and together, the “Eligible Policies”).
5. Tower policy terms, conditions, exclusions and underwriting criteria apply in respect of all Eligible Policies.
6. If you meet all the Eligibility Criteria, you are entitled to a discount of 10% off the policy/ies total not including levies in respect of the first year for each Eligible Policy purchased in accordance with these Terms (“Discount”).
7. The Discount may be applied after the first year of your Eligible Policy if that Eligible Policy is renewed.
8. The Discount only applies to the company premium amount, and does not apply to any taxes, fees or levies.
9. The Discount is non-exchangeable, non-refundable, non-transferable, non-negotiable and cannot be redeemed for cash.
10. The Discount cannot be used in conjunction with any other discount, offer, competition or promotion except the Tower multi policy discount.
11. Tower will collect, hold and use your personal information in accordance with the Privacy Act 2020 (as amended, replaced or supplemented from time to time) (“Privacy Act”) and our privacy policy. In accordance with the Privacy Act, you have the right to request access to and correction of your personal information held by Tower.
12. All decisions made by Tower are final with respect to all matters relating to the Offer, and no further correspondence or discussions will be entered into.
13. Tower reserves the right to change (including, without limitation, the rate of the Discount), suspend or cancel the terms and conditions relating to the Offer at any time and without notice.
14. Except for any liability that may not by law be excluded, Tower will not be liable for any loss, claim, cost, expense, liability or injury suffered by any person in any way associated with the Offer.
15. The Offer is bound by the laws of New Zealand and any disputes will be subject to the exclusive jurisdiction of the courts of New Zealand.
16. By purchasing a new eligible policy online through the Tower website via the 1Team app you are deemed to have accepted these Terms.

Baker Tilly Staff Discount terms and conditions

1. These terms and conditions (“Terms”) apply to the “Baker Tilly Staff Discount” offer (“Offer”).
2. In these Terms, “Tower” refers to Tower Limited.
3. To be eligible for the Offer, you must:
   a) be a New Zealand resident;
   b) be at least 18 years old;
   c) be a ‘Current Employee' of Baker Tilly. A ‘Current Employee’ is any person who is currently employed by Baker Tilly under a full-time, part-time or other employment contract; and
   d) purchase or renew an eligible Tower insurance policy through Baker Tilly’s corporate portal (“Eligible Policy”). The “Eligibility Criteria”
4. A discount will be applied to the premium at the current discount rate of 15% (“Discount Rate”) for 1 year (“Discount”). The Discount may be renewed after each 1 year term, provided that you continue to meet the Eligibility Criteria.
5. The Discount only applies to the company premium amount and does not apply to applicable taxes or levies. The Discount Rate may be subject to change at any time at Tower’s sole discretion.
6. The Discount is only available on certain policies (“Eligible Policies”). Eligible Policies are Tower Standard, Plus, Premium and Landlord’s Plus House Insurance; Tower Standard, Plus and Premium Contents Insurance; Tower Comprehensive, Third Party Fire and Theft and Third Party Car Insurance; Tower Boat Insurance.
7. The Discount does not apply to any other policies and cannot be used in conjunction with any other offer, discount or promotion, except the Tower Multi-policy Discount (if applicable). To see if you qualify for the Tower Multi-policy Discount, see the multi-policy discount terms and conditions available on Tower’s website. The Discount is non-exchangeable, non-refundable, non-transferable, non-negotiable and cannot be redeemed for cash or any other benefit.
8. The Offer does not apply to the respective immediate families of a ‘Current Employee’.
9. Tower will collect, hold and use your personal information in accordance with the Privacy Act 2020 (as amended, replaced or supplemented from time to time) (“Privacy Act”), and Tower’s privacy policy. In accordance with the Privacy Act, you have the right to request access to and correction of your personal information held by Tower.
10. Tower reserves the right at its sole discretion to amend these Terms or change or cancel this Offer at any time without notice.
11. All decisions made by Tower are final with respect to all matters relating to the Offer, and no further correspondence or discussions will be entered into.
12. By purchasing any Eligible Policy using the Discount in accordance with these Terms, you are bound by these Terms. If you do not agree to be bound by these Terms, then you must not use the Discount when purchasing an Eligible Policy.
13. Tower policy terms, conditions and exclusions and underwriting criteria apply in respect of all Eligible Policies.
14. This Offer is bound by the laws of New Zealand and any disputes will be subject to the exclusive jurisdiction of the courts of New Zealand.

TSB Staff and Family Discount terms and conditions

1. These terms and conditions (“Terms”) apply to the “TSB Staff and Family Discount” offer (“Offer”).
2. In these Terms, “Tower” refers to Tower Limited.
3. To be eligible for the Offer, you must:
   a. be a New Zealand resident;
   b. be at least 18 years old;
   c. be a ‘Current Employee' of TSB or a respective immediate family member of a Current Employee. A ‘Current Employee’ is any person who is currently employed by TSB under a full-time, part-time or other employment contract; and
   d. purchase or renew an eligible Tower insurance policy through the TSB Staff corporate portal. (“Eligible Policy”).
   The “Eligibility Criteria”
4. A discount will be applied to the premium at the current discount rate of 15% (“Discount Rate”) for 1 year (“Discount”). The Discount may be renewed after each 1 year term, provided that you continue to meet the Eligibility Criteria.
5. The Discount only applies to the company premium amount and does not apply to applicable taxes or levies. The Discount Rate may be subject to change at any time at Tower’s sole discretion.
6. The Discount is only available on certain policies (“Eligible Policies”). Eligible Policies are: Tower Standard, Plus, Premium and Landlord’s Plus House Insurance; Tower Standard, Plus and Premium Contents Insurance; Tower Comprehensive, Third Party Fire and Theft and Third Party Car Insurance; Tower Boat Insurance.
7. The Discount does not apply to any other policies and cannot be used in conjunction with any other offer, discount or promotion, except the Tower Multi-policy Discount (if applicable). To see if you qualify for the Tower Multi-policy Discount, see the multi-policy discount terms and conditions available on Tower’s website. The Discount is non-exchangeable, non-refundable, non-transferable, non-negotiable and cannot be redeemed for cash or any other benefit.
8. Tower will collect, hold and use your personal information in accordance with the Privacy Act 2020 (as amended, replaced or supplemented from time to time) (“Privacy Act”), and Tower’s privacy policy. In accordance with the Privacy Act, you have the right to request access to and correction of your personal information held by Tower.
9. Tower reserves the right, in their reasonable discretion, to revoke the Offer in relation to a particular Current Employee or a respective immediate family member of a Current Employee where they consider that the Terms of the Offer have been dishonoured or not been complied with. Tower reserves the right at its sole discretion to amend these Terms or change or cancel this Offer at any time without notice.
10. All decisions made by Tower are final with respect to all matters relating to the Offer, and no further correspondence or discussions will be entered into.
11. By purchasing any Eligible Policy using the Discount in accordance with these Terms, you are bound by these Terms. If you do not agree to be bound by these Terms, then you must not use the Discount when purchasing an Eligible Policy.
12. Tower policy terms, conditions and exclusions and underwriting criteria apply in respect of all Eligible Policies.
13. This Offer is bound by the laws of New Zealand and any disputes will be subject to the exclusive jurisdiction of the courts of New Zealand.