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Current Promotions Terms and Conditions

Here you'll find terms and conditions for Tower's current promotions. Some of our promotions run for a limited time only and we archive these terms and conditions when a promotion ends.

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, 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.

Roadies & Boaties Top Tips Facebook Promotion

  1. These terms and conditions (Terms) apply to the "Roadies & Boaties Top Safety Tips” Promotion (Promotion). The General Terms above also form part of these Terms.
  2. In these Terms:
    1. “Tower” means Tower Limited.
    2. “MTA” means Motor Trade Association.
  3. The Promotion commences at 12.00am Monday 8 November 2021 and ends at 11.59pm Wednesday 8 December 2021 (Promotion Period).
  4. To enter this Promotion, you must comment with your road or boat safety tip on one of the six road or boat safety tip posts on Tower’s Facebook page (Posts) during the Promotion Period. Any comments that do not (in Tower’s opinion) contain a road or boat safety tip will not be eligible to enter this Promotion.
  5. Tower’s employees, Tower’s alliance partners, MTA’s affiliates, contractors, and employees and for (each of them) their respective immediate families are not eligible to enter this Promotion.
  6. By commenting, uploading and/or submitting any content (such as text, data, images, photos or names) (Content) in relation to this Promotion, you acknowledge that you have the right to use, upload and/or submit the Content. You must not upload or submit any Content that you do not own or do not have the owner’s consent to upload or submit.
  7. Only one entry per person per post is allowed.
  8. Any entries received outside of the Promotion Period will not be accepted and Tower does not accept any responsibility for late, lost or misdirected entries.
  9. There are 20 prizes in total to be won for this Promotion and each winner of a prize (Prize Winner) will receive one MTA voucher valued at $50 (Prize
  10. The Prizes are subject to MTA’s Gift terms and conditions found here.
  11. The Prize Winners will be determined by a random draw by Tower from all valid entries on Thursday 9 December 2021, and if required pursuant to clause 14(b) of these Terms, on the date where any new Prize Winner is selected (Draw Date).
  12. Tower will announce each Prize Winner through Facebook. The Prize Winners will be notified after 12.00pm on the Draw Date.
  13. Each Prize Winner must privately message Tower via Facebook Messenger and provide their full contact details (including first name, last name, email address, phone number and address) within one week of that Prize Winner being announced on Facebook to claim their Prize.
  14. If, for any reason, Tower does not receive a message 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):
    1. withdraw the Prize; and/or
    2. select a new Prize Winner from all valid entries. The same one week contact time frame will apply to any such Prize Winner.
  15. Each Prize Winner will be sent their Prize by email.
  16. 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.
  17. All entries are the property of Tower.
  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.
  20. 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.
  21. 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.
  22. By entering this Promotion, you are deemed to have accepted these Terms.
  23. 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.

Get a month’s premium on us

  1. These terms and conditions ("Terms"), and Tower’s General Terms available here, apply to Tower’s “Get a month’s premium on us" ("Promotion").
  2. This Promotion commences at 12.00am, 31 October 2021 and ends at 11.59pm, 19 February 2022 ("Promotion Period").​
  3. The Promotion applies if you are: a. a first-time customer to, or a previous customer of, Tower who is purchasing an Eligible Policy (as defined in clause 4 below); or b. an existing customer of Tower who is purchasing an Eligible Policy as a new additional policy; and c. purchasing such Eligible Policy online through the Tower website in a single transaction using the promo code "1MONTH" ("Promo Code") during the Promotion Period, then a one-off discount to the value of 1 month’s premium (excluding fees and levies) per Eligible Policy will be deducted from the first year’s premium for each Eligible Policy purchased in the same transaction ("Discount"). The Discount will not apply to any renewal of the Eligible Policy. Any renewal of premiums will be assessed and set at the prevailing premiums at the time of such renewal.​
  4. For the purposes of this Promotion, an “Eligible Policy” means Tower’s Motor, Contents and Boat insurance policies and excludes: a. Tower’s House, Landlord and Travel insurance policies; and b. any other insurance policies with Tower purchased through Tower’s partners, brokers, or advisers or by any means other than online through Tower’s website using the Promo Code.​ 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.
  5. Tower employees and employees of Tower’s partners are not eligible to participate in this Promotion.
  6. The Promo Code cannot be used conjunction with any other offer, discount, or promotion except the Tower insurance multi policy discount (if applicable). The Promo Code can only be used once per Eligible Policy. Any discount cannot be exchanged for cash or any other benefit.​
  7. By purchasing any Eligible Policy in accordance with clause 3, 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.​
  8. We reserve the right, in our reasonable discretion, to refuse and/or revoke the Discount where we consider that these Terms have not been complied with. We reserve the right to extend, change or terminate this Promotion at any time without notice.

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.

A month's Pet Insurance premium on us promotion

  1. These terms and conditions (“Terms”) apply to the 'A month's Pet Insurance premium on us’ Promotion ("Promotion"). The General Terms above also form part of these Terms.
  2. This Promotion commences at 12am 14 December 2021 and ends at 11.59pm 19 February 2022 (“Promotion Period”).
  3. The Promotion applies if you purchase an Eligible Policy (as defined in clause 4 below) online through the Tower website in a single transaction using the promo code "1MONTH" ("Promo Code") during the Promotion Period, then a one-off discount to the value of 9% of your first year's premium per Eligible Policy will be deducted from the first year’s premium for each Eligible Policy purchased in the same transaction (Discount). The Discount will not apply to any renewal of the Eligible Policy. Any renewal of premiums will be assessed and set at the prevailing premiums at the time of such renewal.​
  4. For the purposes of this Promotion, an “Eligible Policy” means any Tower Pet base policy: Accident Only Plan, Essentials Plan and Comprehensive Plan. The Discount does not apply to any premium relating to optional benefits, such as Dental Care cover.
  5. The Promo Code cannot be used in conjunction with any other offer, discount, or promotion except the Tower insurance multi-pet policy discount (if applicable). The Promo Code can only be used once per Eligible Policy. Any discount cannot be exchanged for cash or any other benefit.
  6. Employees, and the immediate families of such employees, of Tower and AWP Services New Zealand Limited t/a Allianz Partners (Allianz Partners) are not eligible to participate in this Promotion.
  7. By purchasing any Eligible Policy in accordance with clause 3, 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.​
  8. We reserve the right, at our reasonable discretion, to refuse and/or revoke the Discount where we consider that these Terms have not been complied with. We reserve the right to extend, change or terminate this Promotion at any time without notice.

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 30th 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.

Be in to win a $1,000 Mitre 10 voucher terms and conditions

  1. These terms and conditions (Terms) apply to the "Win a $1,000 Mitre 10 Voucher” 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 10th January 2022 and ends at 11.59pm Saturday 19th February 2022 (Promotion Period).
  4. To enter this Promotion, you must have purchased online through the Tower website or over the phone from Tower during the Promotion Period:
    • a new Eligible Policy that is a Tower House or Landlord policy, and you will receive one entry into the Draw; or
    • a new Eligible Policy that is a Tower House or Landlord policy and a new Eligible Policy that is a Tower Contents policy in the same transaction, and you will receive two entries into the Draw; and
    • that Eligible Policy is still in force on the Draw Date; and
    • Tower receives payment of your premium for such Eligible Policy (either in full for annual payment or at least the first instalment if your payment method is otherwise) prior to or within two weeks from the Draw Date.
  1. For the purposes of this Promotion, an “Eligible Policy” means a Tower House, Landlord or Contents insurance policy, and excludes all Tower Commercial and Rural insurance policies.
  2. This Promotion will not apply to the renewal of any existing Tower policy during the Promotion Period 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.
  3. Tower’s employees, partners, brokers and advisors and (each of them) their respective immediate families are not eligible to enter this Promotion.
  4. An entry received outside of the Promotion Period will not be accepted.
  5. If you are eligible to enter this Promotion in accordance with these Terms, Tower will automatically enter you into the Draw (as defined in clause 11 below) unless we receive notification from you that you do not wish to participate in the Promotion.
  6. There is one Prize to be won for this Promotion and the winner (Prize Winner) will receive one Mitre 10 voucher valued at $1,000 (Prize).
  7. The Prize is subject to Mitre 10’s Gift terms and conditions found here.
  8. The Prize Winner will be determined by a random Draw by Tower from all valid Entries on Monday 7 March 2022 (Draw), 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 12.00pm on the Draw Date.
  9. Tower will contact the Prize Winner via email or phone notifying the Prize Winner that they have won the Prize. The Prize Winner may also be announced on Facebook. The Prize Winner will be asked to provide Tower with their full contact details (including first name, last name, email address, phone number and address) within one week of that Prize Winner being announced via email or over the phone to claim their Prize.
  10. If, for any reason:
    • Tower is unable to contact the Prize Winner within one week of the Prize Winner being drawn;
      Tower has not received payment of the Prize Winner’s Premium (either in full for annual payment or at least the first instalment if the payment method is otherwise) prior to or within two weeks from the Draw Date; or
    • the 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 at any time at its absolute discretion. The same one-week timeframe will apply to the new Prize Winner.

  1. The Prize Winner will be sent their Prize by email or courier (at Tower’s sole discretion).
  2. 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.
  3. 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.
  4. If for any reason this Promotion is not capable of running as planned, Tower may suspend, cancel or modify this Promotion.
  5. 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.
  6. 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.
  7. By entering this Promotion, you are deemed to have accepted these Terms.
  8. 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.

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” 

  1. 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. 
  2. 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.  
  3. 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.
  4. 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. 
  5. 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.  
  6. 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.
  7. Tower policy terms, conditions and exclusions and underwriting criteria apply in respect of all Eligible Policies. 
  8. 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. 

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”

  1. 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.
  2. 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.
  3. 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.
  4. 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.
  5. 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.
  6. 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..
  7. Tower policy terms, conditions and exclusions and underwriting criteria apply in respect of all Eligible Policies.
  8. 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”

  1. 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.
  2. 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.
  3. 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.
  4. 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.
  5. 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.
  6. 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..
  7. Tower policy terms, conditions and exclusions and underwriting criteria apply in respect of all Eligible Policies.
  8. 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.

CSC 1Team 'A year's premium on us' promotion terms and conditions

  1. These terms and conditions (“Terms”) apply to the "A year's premium on us” promotion ("Promotion").
  2. Tower’s general promotion terms and conditions at Promotional terms and conditions | Tower Insurance NZ also form part of these Terms.
  3. The promotion period starts at 12:00am, Wednesday 1 December 2021 and ends at 11:59pm, Monday 31 January 2022 (“Promotion Period”).
  4. The Promotion applies to you if:
    a. you are a 1Team or CSC Member; and
    b. you purchase any new Tower Insurance policy through CSC’s Corporate Portal or over the phone from Tower during the Promotion Period (“Eligible Policy”); and
    c. that Eligible Policy is still in force on the Draw Date; and
    d. Tower receives payment of your premium for such Eligible Policy (either in full for annual payment or at least the first instalment if your payment method is otherwise) before the Draw Date.
  5. Policies purchased through Tower‘s referring partners, brokers or advisers, through any other channel and/or any renewal of an existing policy purchased are excluded from this Promotion.
  6. If you are eligible to enter this Promotion in accordance with these Terms, Tower will automatically enter you into the Draw (as defined in clause 9 below) unless we receive notification from you that you do not wish to participate in the Promotion.
  7. One entry per new Eligible Policy purchased in accordance with these Terms.
  8. There is one prize in total to be won of a one-off discount to the value of the full year’s premium payable for the renewal of the Eligible Policy (“Premium”) up to a maximum discount of NZ$1,000 (including GST, fees and levies) (“Prize”). In the event that the Prize Winner’s Premium is more than NZ$1,000 (including GST, fees and levies), the Prize Winner must pay the remaining balance of their Premium.  If the Prize Winner has paid their annual Premium in full in advance before the Draw Date, they will receive a refund of the Premium paid to the value of their Prize or if their Premium is paid by instalments, a credit of the value of their Prize shall be applied to their account.
  9. The Prize Winner (“Prize Winner”) will be determined by a random draw (Draw) from all valid entries on 14 February 2022 (“Draw Date”) and notified by Tower via email or by phone within 10 working days. If, for any reason:
    a. Tower is unable to contact the Prize Winner within 10 working days of the Prize Winner being drawn;
    b. Tower has not received payment of the 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. the 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 at any time in its absolute discretion.
  10. The Prize is non-exchangeable, non-refundable, non-transferable, non-negotiable and cannot be redeemed for cash.
  11. The 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 Tower’s Privacy Policy on its website for more information.
  12. By purchasing an Eligible Policy during the Promotion Period, you are deemed to have accepted these Terms.

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.