Login
Register

Current Promotions | Terms & 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.

Find out more about:

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 as "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, minimum premiums, 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

Multi-policy discount terms and conditions can be found here.

Win a year's premium on us terms and conditions

  1. These terms and conditions (Terms), Tower's General Promotion terms and conditions (available at the top of this page), 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 commences at 8:00am on Sunday 26 November 2023 and ends at 6:00am on Sunday 18 February 2024. (Promotion Period).
  4. There are 10 prizes to be won for this Promotion. 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).
  5. Prize winners (Prize Winners) will receive a one-off refund and/or credit on the total premium payable for the first year of the relevant Eligible Policy. The prize will be calculated based on the annualised premium paid or payable by the customer when that policy was purchased (Premium). The prize amount will not be adjusted to reflect any changes a Prize Winner subsequently makes to its policy which increase or decrease the Premium. The prize amount will be the lower of:
    1. the Premium (including GST, fees and levies); or
    2. NZ$2,500 (including GST) (Prize).
  6. Depending on how you pay your Premium, the Prize will be delivered as:
    1. a refund on Premium paid as at the Draw Date; and/or
    2. a credit to the Premium if there is a balance owing on the Eligible Policy.
  7. If a Prize Winner's Premium is more than NZ$2,500 (including GST, fees and levies), that Prize Winner must pay the remaining balance of their Premium.
  8. Subject to these Terms, this Promotion is available to you if:
    1. you purchase an Eligible Policy (as defined in clause 10 below) directly from Tower during the Promotion Period; and
    2. the period of insurance for the Eligible Policy begins within 90 days of the date the Eligible Policy was purchased; and
    3. the Eligible Policy (as defined in clause 10 below) has commenced and is in force on the Draw Date (as defined in clause 17 below); and
    4. by the Draw Date, Tower has received all payments due in respect of your premium for such policy, either:
      1. in full for an annual payment; or
      2. at least the first instalment and any subsequent payments due if your payment method is by instalments.
        (Eligible Customer).
  9. This Promotion does not apply to the following:
    1. Tower's employees.
    2. Trade Me Insurance policies.
  10. For the purposes of this Promotion, an Eligible Policy means the following newly purchased (and not renewing) Tower branded policies:
    1. House (Premium, Plus, and/or Standard policies);
    2. Landlord (Plus policy); and
    3. Contents (Premium, Plus, and/or Standard policies),
      but excludes:
    4. Lifestyle block and farm insurance policies;
    5. Contract works - Renovation cover policies; and
    6. any other insurance policies underwritten by Tower.

    Further, a policy will only be an Eligible Policy if the customer has not held that specific type of Tower policy for the relevant asset insured during the three months prior to the start of the Promotion Period.

  11. If this Promotion applies and you are an Eligible Customer, Tower will automatically enter you into the Promotion. Eligible Customers agree to be bound by these Terms unless they contact us to advise that they do not wish to participate in the Promotion.
  12. Unless Tower advises otherwise, this Promotion cannot be used in conjunction with any other offer, discount or promotion, except for the Tower multi-policy discount. See the multi-policy discount terms and conditions for more details.
  13. Each Prize Winner can only win one Prize during the Promotion.
  14. If an Eligible Customer has more than one Eligible Policy entered into the Promotion, Prizes will be determined based on the relevant Eligible Policy that has been drawn.
  15. The Prize is non-exchangeable, non-refundable, non-transferable, non-negotiable, and cannot be redeemed for cash or any other benefit.
  16. If an Eligible Policy is cancelled during its term, the Prize will be forfeited. If the Prize Winner is owed a refund on any premium paid in respect of the Eligible Policy, the refund will be calculated in accordance with Tower's policy terms.
  17. The Prize Winners will be determined by a random draw by Tower from all valid entries on Monday 25 March 2024 (Draw), and if required pursuant to clause 18 of these Terms, on the date where any new Prize Winner is selected (Draw Date). The Prize Winners will be notified by Tower by email or phone within two working days from the Draw Date.
  18. If, for any reason:
    1. Tower is unable to contact a Prize Winner within 10 working days of the Draw Date; or
    2. the terms of clause 8 are not met; or
    3. a Prize Winner's Eligible Policy is not in force on the Draw Date,
      Tower reserves the right to withdraw the Prize and re-draw a new Prize Winner.
  19. Policy terms, conditions, exclusions, sub-limits, minimum premiums and underwriting criteria apply in respect of all policies.
  20. Tower reserves the right to:
    1. cancel this Promotion prior to expiry of the Promotion Period;
    2. add policies to the list of Eligible Policies; and/or
    3. change any other aspect of the Promotion at any time, at its sole discretion. 

HOMEDEAL Discount terms and conditions

  1. These terms and conditions (Terms), Tower's General Promotion terms and conditions (available at the top of this page), and Tower's General Terms available here apply to the "HOMEDEAL Discount" Promotion (Promotion).
  2. In these Terms, Tower means Tower Limited.
  3. The Promotion commences at 8:00am on Sunday 1 October 2023 and ends at 11:59pm on Saturday 25 November 2023. (Promotion Period).
  4. Subject to clause 5, this Promotion applies if:
    1. you:
      1. purchase any Eligible policy (as defined in clause 6 below) directly from Tower (online or over the phone) or over the phone following a referral from a Tower partner, broker, or advisor during the Promotion Period; or
      2. save an online quote for any Eligible Policy (as defined in clause 6 below) during the Promotion Period and purchase the policy within 30 days of expiry of the Promotion Period; and
    2. you use/quote the promo code "HOMEDEAL" (Promo Code); and
    3. the period of insurance for the Eligible Policy begins within 90 days of the date the Eligible Policy was purchased.
  5. This Promotion does not apply to the following:
    1. Tower's employees.
    2. Customers of Tower's partners who purchase through an online partner portal (including, but not limited to, Trade Me Insurance).
    3. Employees of Tower's partners.
  6. For the purposes of this Promotion, an Eligible Policy means the following Tower-branded policies:
    1. House (Premium, Plus, and/or Standard policies);
    2. Landlord (Plus policy); and
    3. Contents (Premium, Plus, and/or Standard policies),
      but excludes:
    4. Lifestyle block and farm insurance policies;
    5. Contract works - Renovation cover policies; and
    6. any other insurance policies underwritten by Tower.

    Further, a policy will only be an Eligible Policy if the customer has not 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 this Promotion applies, then a one-off discount (in the amount specified below) will be deducted from the first year's annual premium for each Eligible Policy purchased. For the avoidance of doubt, if you pay your premiums for an Eligible Policy in instalments, the Discount will be spread across the instalments. The relevant discount for each Eligible Policy is as follows (Discount):
    1.  Tower House: NZ$100 per Eligible Policy
    2. Tower Landlord: NZ$100 per Eligible Policy
    3. Tower Contents: NZ$50 per Eligible Policy
  8. If an Eligible Policy does not run for the full annual policy period (for example, if there is a mid-term cancellation), the Discount applied will be pro-rated to the length of the Eligible Policy. If you are due a refund of any premium, we may deduct any Discount originally applied to your premium from any refund owing to you.
  9. If you have saved a quote but not completed the purchase, prior to commencement of the Promotion Period, this Promotion will not automatically apply to the saved quote.
  10. The Promo Code must only be used once per Eligible Policy.
  11. The Discount will not apply to any renewal of an Eligible Policy. The premiums due on renewal of an Eligible Policy will be assessed and set at the prevailing rates at the time of each such renewal.
  12. Unless Tower advises otherwise, the Promo Code cannot be used in conjunction with any other offer, discount, or promotion, except for the Tower multi-policy discount and/or no claims bonus benefit (if applicable). If applicable, the Discount will be applied after any applicable Tower multi-policy discount and/or no claims bonus benefit has been applied.
  13. The Discount cannot be exchanged for cash or any other benefit.
  14. The Discount will be deducted from the Tower Premium* and GST will then be added to result in a maximum total discount of $50 or $100 (as applicable) on each Eligible Policy.
  15. Policy terms, conditions, exclusions, limits, sub-limits, minimum premiums, and underwriting criteria apply in respect of all policies.
  16. By purchasing an Eligible Policy using the Promo Code during the Promotion Period in accordance with our standard transaction process,, you agree to be 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.
  17. Tower reserves the right to:
    1. change or revoke the Promotion to ensure that the Discount applied is correct for the purposes of these Terms;
    2. cancel this Promotion prior to expiry of the Promotion Period;
    3. add policies to or remove policies from the list of Eligible Policies; and/or
    4. change any other aspect of the Promotion at any time,
  18. at its sole discretion.

*Tower Premium means the amount of premium retained by Tower and does not include:

    1. Toka Tū Ake EQC levy;
    2. Fire and Emergency New Zealand levy; and
    3. Goods and Services Tax (GST).

Win one of three $500 Prezzy Cards Promotion terms and conditions

  1. These terms and conditions (Terms) and Tower's General Terms above, apply to the "Win one of three $500 Prezzy Card" Promotion (Promotion).
  2. In these Terms, Tower means Tower Limited.
  3. The Promotion commences at 12:00am on Monday 6 November 2023 and ends at 11:59pm on Friday 1 December 2023 (Promotion Period).
  4. To enter this Promotion, you must be an existing Tower customer and have clicked through to enter from the email sent to you in the week commencing 6 November 2023.
  5. There are three prizes in total to be won for this Promotion and each winner of a prize (Prize Winner) will receive one $500 Prezzy Card (Prize). Each Prize Winner can only win one Prize. One entry is available per policy held regardless of the number of policy holders listed.
  6. The Prize Winners will be determined by a random draw by Tower from all valid entries (Draw) by no later than Friday 8 December 2023 and, if required, pursuant to Clause 8 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.
  7. Tower will contact the Prize Winner via email or phone notifying the Prize Winner that they have won a Prize. The Prize Winner will be asked to provide Tower with their full name and email in order to claim their Prize.
  8. 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. An additional two-week timeframe will apply if Tower cannot contact the new Prize Winner.
  9. 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.
  10. 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.
  11. By entering this Promotion, you are deemed to have accepted these Terms.
  12. Entry into the Promotion is not available for customers who cancel their policy within the Promotion Period.
  13. Tower will not be liable for any loss, claim, cost, damage, 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.
  14. Each Prize Winner is responsible for ensuring that they comply with any applicable internal company policies regarding receipt and/or redemption of any Prize.
  15. Tower may refuse to award a Prize to a Prize Winner who, in Tower's view, has acted fraudulently or not complied with these Terms or the terms and conditions of their Tower insurance policy.
  16. 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.
  17. Tower's employees, contractors, and their respective immediate families, and employees of Tower's partners, brokers, or advisors, are not eligible to enter this Promotion.
  18. Terms and conditions apply to the use of the Prezzy Card and these can be found here.
  19. Tower explicitly disclaims and does not accept any liability in relation to the provision of goods and performance of services by epay New Zealand Limited.
  20. Tower reserves the right to:
    1. cancel this Promotion prior to expiry of the Promotion Period;
    2. change any other aspect of the Promotion or Terms at any time, at its sole discretion.

Be in to win a $250 Prezzy Card Promotion

  1. These terms and conditions (Terms) apply to the "Be in to win a $250 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 8:00am on Tuesday 19 September 2023 and ends at 6:00pm on Friday 22 September 2023 (Promotion Period).
  4. To enter this Promotion, you must:
    1. be a Tower partner, broker, or advisor; and
    2. attend the KAN Professional Development Day at Christchurch or Wellington or Waikato or Auckland (Events) and complete the virtual form presented to you at the Events (Form).
  5. Only one entry per person is allowed.
  6. An entry received outside the Promotion Period will not be accepted and Tower does not accept any responsibility for late, lost, or misdirected entries.
  7. There is one prize to be won for this Promotion and the winner (Prize Winner) will receive one Prezzy Card valued at $250 (Prize).
  8. The Prize is subject to Prezzy Card terms and conditions found here.
  9. The Prize Winner will be determined by a random draw by Tower from all valid entries on Tuesday 26 September 2023, and if required pursuant to clause 11b 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.
  10. 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 contact details (including first name, last name, email address, phone number, and address) within one week of that Prize Winner being notified via email or over the phone to claim their Prize.
  11. If, for any reason Tower is unable to contact a Prize Winner within one week of the Prize Winner being drawn, Tower reserves the right to (at its sole and absolute discretion):
    1. withdraw the Prize; and/or
    2. 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.
  12. The Prize Winner will be sent their Prize by email or courier (at Tower's sole discretion).
  13. 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. 
  14. If for any reason this Promotion is not capable of running as planned, Tower may suspend, cancel, or modify this Promotion.

Be in to win a $500 Prezzy Card Promotion

  1. These terms and conditions (Terms) and Tower's General Terms available here apply to the "Be in to win a $500 Prezzy Card" Promotion (Promotion).
  2. In these Terms, Tower means Tower Limited.
  3. The Promotion commences at 12:00am on Monday 19 December 2022 and ends at 11:59pm on Thursday 30 November 2023 (Promotion Period). The Promotion will consist of 11 separate monthly draws (each, a Draw) with draw periods as follows:
    1. Entries to the first monthly Draw will open at 12:00am on Friday 16 December 2022 and close at 11:59pm on Tuesday 31 January 2023.
    2. Entries for each of the 10 subsequent monthly Draws open at 12:00am on the first day of each subsequent calendar month and close at 11:59pm on the last day of each calendar month during the Promotion Period.

    (Each, a Draw Period).

  4. There will only be one prize winner in respect of each Draw Period (each, Prize Winner), and each Prize Winner can only win one prize during the Promotion.
  5. Each Prize Winner will be determined by a random draw within three business days of the end of each Draw Period from all valid Entries received in the relevant Draw Period, or if required pursuant to clause 17 of these Terms, on the date where any new Prize Winner is selected (Draw Date).
  6. The Prize for each Draw is one Prezzy Card valued at $500 (Prize), and there are 11 Prizes to be won over the Promotion Period.
  7. Entry into a Draw is open to you if:
    1. you hold an Eligible Policy (as defined in clause 9 below) with Tower,
    2. that Eligible Policy (as defined in clause 9 below) is still in force on the relevant Draw Date; and
    3. you have received the Email (as defined in clause 10 below) for this Promotion.

    (Eligible Customer).

  8. For the purposes of this Promotion, an Eligible Policy means any Tower Car, Contents, or House insurance policy, but excludes:
    1. Tower Travel, Pet, Landlord, and Boat insurance policies;
    2. any Tower Commercial or Rural insurance policies; and
    3. any other insurance policies with Tower purchased by any means.
  9. If you are Eligible Customer, you can enter a Draw 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 the Draw Period in which you receive 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 Draw (Entry).
  10. Tower's employees and their respective immediate families are not eligible to enter this Promotion.
  11. 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.
  12. Any Entry received outside of the Promotion Period will not be accepted.
  13. Each Prize is subject to Prezzy Card terms and conditions found here.
  14. The Prize Winners will be notified by Tower by phone or email within three working days of the relevant Draw Date.
  15. 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 10 working days of that Prize Winner being announced via email or over the phone to claim their Prize.
  16. If, for any reason:
    1. Tower is unable to contact a Prize Winner within 10 working days of the Prize Winner being drawn; or
    2. a Prize Winner's Eligible Policy is not in force on the Draw Date,

    Tower reserves the right to withdraw the Prize and/or redraw a new Prize Winner.

  17. Each Prize Winner will be sent their Prize by courier.
  18. 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 on our website for more information.
  19. The Prizes are non-exchangeable, non-refundable, non-transferable, non-negotiable, and cannot be redeemed for cash. Tower reserves the right to substitute the Prize with another Prize of a similar value.
  20. If, for any reason, this Promotion is not capable of running as planned, Tower may suspend, cancel, or modify this Promotion. 
  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 its Terms are to be addressed to Tower.

Be in to win a $1,000 Prezzy Card Promotion

  1. These terms and conditions (Terms), Tower's General Promotion terms and conditions (available at the top of this page), and Tower's General Terms available here apply to the "Be in to win a $1,000 Prezzy Card" Promotion (Promotion).
  2. In these Terms:
    1. Tower means Tower Limited; and
    2. Allianz Partners means AWP Services New Zealand, trading as Allianz Partners.
  3. The Promotion commences at 12:00am on Thursday 1 June 2023 and ends at 11:59pm on Thursday 31 August 2023 (Promotion Period).
  4. The Promotion will consist of three separate monthly draws (each, a Draw) with draw periods as follows:
    1. Entries to the first monthly Draw open at 12:00am on Thursday 1 June 2023 and close at 11:59pm on Friday 30 June 2023.
    2. Entries to the second monthly Draw open at 12:00am on Saturday 1 July 2023 and close at 11:59pm on Monday 31 July 2023.
    3. Entries to the third monthly Draw open at 12:00am on Tuesday 1 August 2023 and close at 11:59pm on Thursday 31 August 2023.

    (Each, a Draw Period).

  5. There will only 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.
  6. Each Prize Winner will be determined by a random draw on or before the 10th day of the calendar month following each Draw Period from all valid Entries of the relevant Draw Period, or if required pursuant to clause 17 of these Terms, on the date where any new Prize Winner is selected (Draw Date).
  7. The Prize for each monthly Draw is one Prezzy Card valued at $1,000 (including any fees and GST) (Prize), and there are three Prizes to be won over the Promotion Period.
  8. Entry into a monthly Draw is open to you if:
    1. you purchased a new Eligible Policy (as defined in clause 9) from Tower during any Draw Period;
    2. that Eligible Policy (as defined in clause 9) has not been cancelled at the relevant Draw Date; and
    3. Allianz Partners has received payment of your premium on behalf of Tower for such Eligible Policy in full at the relevant Draw Date.

    (Eligible Customer). References to you in these terms means the person identified as "Adult 1" on the application for the Eligible Policy.

  9. For the purposes of this Promotion, an Eligible Policy means any new Tower Travel insurance policy and excludes any other insurance policies with Tower purchased by any means. Tower Travel insurance is issued and managed by AWP Services New Zealand Limited, trading as Allianz Partners, and underwritten by Tower Limited.
  10. Tower and Allianz Partners employees, and their respective immediate families and/or people residing with them, are not eligible to enter this Promotion.
  11. 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 this Promotion.
  12. Eligible Customers will receive one entry per Eligible Policy purchased in accordance with these Terms (i.e., purchased two Eligible Policies, and receive two entries).
  13. The Prize is subject to Prezzy Card terms and conditions found here.
  14. The Prizes are non-exchangeable, non-refundable, non-transferable, non-negotiable, and cannot be redeemed for cash. Tower reserves the right to substitute the Prize with another Prize of a similar value.
  15. The Prize Winners will be notified by Tower by email within two working days from the relevant Draw Date.
  16. 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 ten working days of that Prize Winner being notified.
  17. If, for any reason:
    1. Tower is unable to contact a Prize Winner within ten working days of the Prize Winner being notified;
    2. Allianz Partners has not received payment of a Prize Winner's premium on behalf of Tower in full prior to the Draw Date; or
    3. a Prize Winner's Eligible Policy has been cancelled prior to the Draw Date,

    Tower reserves the right to withdraw the Prize and/or redraw a new Prize Winner.

  18. 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 and/or social media networks and in communications. Please refer to Tower's Privacy Policy on our website for more information.
  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. If, for any reason, this Promotion is not capable of running as planned, Tower may suspend, cancel, or modify this Promotion. 
  21. Tower reserves the right to request confirmation of each Prize Winner's identity in the form of government issued photo (i.e., drivers' licence, passport).
  22. By purchasing an Eligible Policy during the Promotion Period, you are deemed to have accepted these Terms.
  23. Policy terms, conditions, exclusions, minimum premiums, and underwriting criteria apply in respect of all policies.
  24. Prizes are awarded by Tower in its absolute discretion, and any questions or concerns relating to this Promotion or its Terms are to be addressed to Tower.

Multi-pet discount

  1. Discount is 5% for each additional Tower Pet insurance policy purchased.
  2. Discount excludes optional Dental Care cover.

Win one of five luxury getaways Promotion terms and conditions

  1. These terms and conditions (Terms) and Tower's General Terms above, apply to the "Win one of 5 luxury getaways" Promotion (Promotion).
  2. In these Terms, Tower means Tower Limited.
  3. The Promotion commences at 12:00am on Friday 30 June 2023, and ends at 11:59pm on Friday 30 September 2023 (Promotion Period).
  4. To enter this Promotion, you must:
    1. be one of Tower's Advisers (as defined in clause 5 below); and
    2. 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 approval 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 10 below) per Referral in accordance with these Terms.
  8. There are five prizes in total to be won for this Promotion, and each winner of a prize (Prize Winner) will receive a $1,000 Hilton voucher (Prize). Each Prize Winner can only win one Prize and must stipulate where they would like to spend the voucher, either Auckland or Queenstown. The voucher must be used by the expiry date stated on the voucher or supplied with the voucher.
  9. The Prize is subject to terms and conditions of any other supplier or service provider relating to the Prize.
  10. The Prize Winners will be determined by a random draw by Tower from all valid entries (Draw) on Wednesday 4 October 2023, 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.
  11. 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 within one week of that Prize Winner being announced via email or over the phone to claim their Prize.
  12. 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.
  13. 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.
  14. 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 prie of similar value.
  15. 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.
  16. Each Prize Winner is responsible for ensuring that they comply with any applicable internal company policies regarding receipt and/or redemption of any Prize.
  17. 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.
  18. By entering this Promotion, you are deemed to have accepted these Terms.

Coastguard membership promo code

  1. These terms and conditions (Terms) and Tower's General Terms, available here, apply to Coastguard's "Eligible Customer Promotion" (Promotion).
  2. This Promotion commences at 12:00am, 1 November 2021 and ends at 11:59pm, 30 April 2024 (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. 
  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, minimum premiums, 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) and Tower's General Terms available here apply to the "Coastguard New Zealand staff and volunteer discount" offer (the Offer).
  2. In these Terms, Tower refers to Tower Limited.
  3. To be eligible for the Offer, you must:
    1. be a New Zealand resident;
    2. be at least 18 years old;
    3. 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;
    4. purchase an Eligible Policy (as defined in clause 6 of these Terms below).

    The Eligibility Criteria

  4. A Discount will be applied to the premium at the current Discount Rate of up to 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 Tower premium amount. The Discount does not apply to aspects of the premium that are collected by Tower, but are not the Tower premium, including taxes and 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. For the purposes of this Discount, an Eligible Policy means any 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 (Eligible Policies).
  7. The Discount does not apply on any other policies and cannot be used in conjunction with any other offer, except the Tower Multi-Policy Discount (if applicable).
  8. Tower has a minimum premium for each policy type. This Discount will be applied only to the extent that the Tower premium is above the minimum premium and it does not reduce the Tower premium for a particular policy below the minimum premium for that type of policy. If the full Discount would reduce a Tower premium below the minimum premium for a particular type of policy, the Discount will be capped so that the Tower premium payable is equal to the minimum premium for that policy type.
  9. If an Eligible Policy does not run for the full annual policy period (i.e., there is a mid-term cancellation), the Discount applied will be pro-rated to your policy length. Where you are due a refund of any premium, we may deduct any Discount originally applied to your premium from any refund owing to you.
  10. Discounts cannot be transferred or exchanged for cash or any other benefit.
  11. Tower reserves the right, at its sole and absolute discretion, to change or revoke this Discount to ensure that the discount applied to the Tower premium is correct for the purposes of these Terms.
  12. Tower reserves the right to:
    1. change or cancel this Discount or the methodology for applying and/or calculating this Discount for any or all Eligible Policies;
    2. add policies to or remove policies from the list of Eligible Policies;
    3. change any other aspect of the Discount or these terms at any time.
  13. By purchasing or renewing 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.
  14. Tower policy terms, conditions, and exclusions, and underwriting criteria apply in respect of all Eligible Policies.

Up to 10% off Coastguard discount terms and conditions

  1. These terms and conditions (Terms) and Tower's General Terms available here apply to the "up to 10% off Coastguard Discount" offer (Offer).
  2. In these Terms, Tower refers to Tower Limited.
  3. To be eligible for the Offer, you must:
    1. be a New Zealand resident;
    2. be at least 18 years old;
    3. purchase a new Tower Boat insurance policy through Coastguard's corporate portal (Eligible Policy).

    The Eligibility Criteria

  4. A discount will be applied to the premium of the Eligible Policy as quoted at the time of purchase at the current discount rate of up to 10% (Discount Rate) for one year (Discount).
  5. The Discount only applies to the Tower premium amount. The Discount does not apply to aspects of the premium that are collected by Tower but are not the Tower premium, including taxes and levies. The Discount Rate may be subject to change at any time at Tower's sole and absolute 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).
  7. Tower has a minimum premium for each policy type. This Discount will be applied only to the extent that the Tower premium is above the minimum premium and it does not reduce the Tower premium for a particular policy below the minimum premium for that type of policy. If the full Discount would reduce a Tower premium below the minimum premium for a particular type of policy, the Discount will be capped so that the Tower premium payable is equal to the minimum premium for that policy type.
  8. If an Eligible Policy does not run for the full annual policy period (i.e., there is a mid-term cancellation), the Discount applied will be pro-rated to your policy length. Where you are due a refund of any premium, we may deduct any Discount originally applied to your premium from any refund owing to you.
  9. Discounts cannot be transferred or exchanged for cash or any other benefit.
  10. The Offer does not apply to the respective families of a 'Current Employee'.
  11. Tower reserves the right, at its sole and absolute discretion, to change or revoke this Discount to ensure that the discount applied to the Tower premium is correct for the purposes of these Terms.
  12. Tower reserves the right to:
    1. change or cancel this Discount or the methodology for applying and/or calculating this Discount for any or all Eligible Policies;
    2. add policies to or remove policies from the list of Eligible Policies;
    3. change any other aspect of the Discount or these terms at any time.
  13. 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.
  14. By purchasing or renewing 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.
  15. Tower policy terms, conditions, and exclusions, and underwriting criteria apply in respect of the Tower Boat insurance policy.

Allianz Partners staff discount terms and conditions

  1. These terms and conditions (Terms) and Tower's General Terms available here apply to the "Allianz Partners Staff Discount" offer (Offer).
  2. In these Terms, Tower refers to Tower Limited.
  3. To be eligible for the Offer, you must:
    1. be a New Zealand resident;
    2. be at least 18 years old;
    3. 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.

    The Eligibility Criteria

  4. A discount will be applied to the premium at the current Discount Rate of up to 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 Tower premium amount. The Discount does not apply to aspects of the premium that are collected by Tower but are not the Tower premium, including taxes and 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. For the purposes of this Discount, an Eligible Policy means any 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 (Eligible Policies).
  7. The Discount does not apply on any other policies and cannot be used in conjunction with any other offer, except the Tower Multi-Policy Discount (if applicable).
  8. Tower has a minimum premium for each policy type. This Discount will be applied only to the extent that the Tower premium is above the minimum premium and it does not reduce the Tower premium for a particular policy below the minimum premium for that type of policy. If the full Discount would reduce a Tower premium below the minimum premium for a particular type of policy, the Discount will be capped so that the Tower premium payable is equal to the minimum premium for that policy type.
  9. If an Eligible Policy does not run for the full annual policy period (i.e., there is a mid-term cancellation), the Discount applied will be pro-rated to your policy length. Where you are due a refund of any premium, we may deduct any Discount originally applied to your premium from any refund owing to you.
  10. Discounts cannot be transferred or exchanged for cash or any other benefit.
  11. Tower reserves the right, at its sole and absolute discretion, to change or revoke this Discount to ensure that the discount applied to the Tower premium is correct for the purposes of these Terms.
  12. Tower reserves the right to:
    1. change or cancel this Discount or the methodology for applying and/or calculating this Discount for any or all Eligible Policies;
    2. add policies to or remove policies from the list of Eligible Policies;
    3. change any other aspect of the Discount or these terms at any time.
  13. By purchasing or renewing 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.
  14. Tower policy terms, conditions, and exclusions, and underwriting criteria apply in respect of all Eligible Policies.

AIA staff discount terms and conditions

  1. These terms and conditions (Terms) and Tower's General Terms available here apply to the "AIA Staff Discount" offer (Offer).
  2. In these Terms, Tower refers to Tower Limited.
  3. To be eligible for the Offer, you must:
    1. be a New Zealand resident;
    2. be at least 18 years old;
    3. 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.

    The Eligibility Criteria

  4. A discount will be applied to the premium at the current Discount Rate of up to 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 Tower premium amount. The Discount does not apply to aspects of the premium that are collected by Tower but are not the Tower premium, including taxes and 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. For the purposes of this Discount, Eligible Policy means any 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 (Eligible Policies).
  7. The Discount does not apply on any other policies and cannot be used in conjunction with any other offer, except the Tower Multi-Policy Discount (if applicable).
  8. Tower has a minimum premium for each policy type. This Discount will be applied only to the extent that the Tower premium is above the minimum premium and it does not reduce the Tower premium for a particular policy below the minimum premium for that type of policy. If the full Discount would reduce a Tower premium below the minimum premium for a particular type of policy, the Discount will be capped so that the Tower premium payable is equal to the minimum premium for that policy type.
  9. If an Eligible Policy does not run for the full annual policy period (i.e., there is a mid-term cancellation), the Discount applied will be pro-rated to your policy length. Where you are due a refund of any premium, we may deduct any Discount originally applied to your premium from any refund owing to you.
  10. Discounts cannot be transferred or exchanged for cash or any other benefit.
  11. Tower reserves the right, at its sole and absolute discretion, to change or revoke this Discount to ensure that the discount applied to the Tower premium is correct for the purposes of these Terms.
  12. Tower reserves the right to:
    1. change or cancel this Discount or the methodology for applying and/or calculating this Discount for any or all Eligible Policies;
    2. add policies to or remove policies from the list of Eligible Policies;
    3. change any other aspect of the Discount or these terms at any time.
  13. By purchasing or renewing 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.
  14. Tower policy terms, conditions, and exclusions, and underwriting criteria apply in respect of all Eligible Policies.

Appendiz 1: CSC 1Team members discount terms and conditions

  1. These terms and conditions (Terms) and Tower's General Terms available here apply to the "CSC 1Team Members Discount" offer (Offer).
  2. In these Terms, Tower refers to Tower Limited.
  3. To be eligible for the Offer, you must:
    1. be a New Zealand resident;
    2. be 18 years or over;
    3. be a Customer of CSC Buying Group Limited; and
    4. purchased 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. This Offer is only available on certain policies. For the purposes of this Offer, an Eligible Policy means any 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 (Eligible Policy).
  5. The Discount does not apply on any other policies and cannot be used in conjunction with any other offer, except the Tower Multi-Policy Discount (if applicable).
  6. Tower policy terms, conditions, exclusions, and underwriting criteria apply in respect of all Eligible Policies.
  7. If you meet all the Eligibility Criteria, you are entitled to a discount of up to 10% off the premiums in respect of the first year for each Eligible Policy purchased in accordance with these Terms (Discount). 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 Tower premium amount. The Discount does not apply to aspects of the premium that are collected by Tower but are not the Tower premium, including taxes and levies. The Discount Rate may be subject to change at any time at Tower's sole and absolute discretion.
  9. Discounts cannot be transferred or exchanged for cash or any other benefit.
  10. Tower has a minimum premium for each policy type. This Discount will be applied only to the extent that the Tower premium is above the minimum premium and it does not reduce the Tower premium for a particular policy below the minimum premium for that type of policy. If the full Discount would reduce a Tower premium below the minimum premium for a particular type of policy, the Discount will be capped so that the Tower premium payable is equal to the minimum premium for that policy type.
  11. If an Eligible Policy does not run for the full annual policy period (i.e., there is a mid-term cancellation), the Discount applied will be pro-rated to your policy length. Where you are due a refund of any premium, we may deduct any Discount originally applied to your premium from any refund owing to you.
  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, at its sole and absolute discretion, to change or revoke this Discount to ensure that the discount applied to the Tower premium is correct for the purposes of these Terms.
  14. Tower reserves the right to:
    1. change or cancel this Discount or the methodology for applying and/or calculating this Discount for any or all Eligible Policies;
    2. add policies to or remove policies from the list of Eligible Policies;
    3. change any other aspect of the Discount or these terms at any time.
  15. 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.
  16. By purchasing or renewing any 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) and Tower's General Terms available here 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:
    1. be a New Zealand resident;
    2. be at least 18 years old;
    3. 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
    4. purchase or renew an Eligible Policy (as that term is defined in clause 6 below) through Baker Tilly's corporate portal,

    the Eligibility Criteria

  4. A discount will be applied to the premium at the current discount rate of up to 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 Tower premium amount. The Discount does not apply to aspects of the premium that are collected by Tower but are not the Tower premium, including taxes and 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. For the purposes of this Discount, an Eligible Policy means any 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 (Eligible Policies).
  7. The Discount does not apply on any other policies and cannot be used in conjunction with any other offer, except the Tower Multi-Policy Discount (if applicable).
  8. Tower has a minimum premium for each policy type. This Discount will be applied only to the extent that the Tower premium is above the minimum premium and it does not reduce the Tower premium for a particular policy below the minimum premium for that type of policy. If the full Discount would reduce a Tower premium below the minimum premium for a particular type of policy, the Discount will be capped so that the Tower premium payable is equal to the minimum premium for that policy type.
  9. If an Eligible Policy does not run for the full annual policy period (i.e., there is a mid-term cancellation), the Discount applied will be pro-rated to your policy length. Where you are due a refund of any premium, we may deduct any Discount originally applied to your premium from any refund owing to you.
  10. Discounts cannot be transferred or exchanged for cash or any other benefit.
  11. The Offer does not apply to the respective immediate families of a 'Current Employee'.
  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:
    1. change or cancel this Discount or the methodology for applying and/or calculating this Discount for any or all Eligible Policies;
    2. add policies to or remove policies from the list of Eligible Policies;
    3. change any other aspect of the Discount or these terms at any time.
  14. 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.
  15. By purchasing or renewing 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.
  16. Tower policy terms, conditions, exclusions, and underwriting criteria apply in respect of all Eligible Policies.

2degrees staff discount terms and conditions

  1. These terms and conditions (Terms) and Tower's General Terms available here apply to the "2degrees Staff Discount" offer (Offer).
  2. In these Terms, Tower refers to Tower Limited.
  3. To be eligible for the Offer, you must:
    1. be a New Zealand resident;
    2. be at least 18 years old;
    3. be a 'Current Employee' of 2degrees. A 'Current Employee' is any person who is currently employed by 2degrees under a full-time, part-time, or other employment contract; and
    4. purchase or renew an Eligible Policy (as that term is defined in clause 6 below) through the 2degrees corporate portal,

    the Eligibility Criteria

  4. A discount will be applied to the premium at the current discount rate of up to 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 Tower premium amount. The Discount does not apply to aspects of the premium that are collected by Tower but are not the Tower premium, including taxes and 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. For the purposes of this Discount, an Eligible Policy means any 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 and Commercial Car insurance; Tower Boat insurance (Eligible Policies).
  7. The Discount does not apply on any other policies and cannot be used in conjunction with any other offer, discount or promotion, except the Tower Multi-Policy Discount (if applicable).
  8. Tower has a minimum premium for each policy type. This Discount will be applied only to the extent that the Tower premium is above the minimum premium and it does not reduce the Tower premium for a particular policy below the minimum premium for that type of policy. If the full Discount would reduce a Tower premium below the minimum premium for a particular type of policy, the Discount will be capped so that the Tower premium payable is equal to the minimum premium for that policy type.
  9. If an Eligible Policy does not run for the full annual policy period (i.e., there is a mid-term cancellation), the Discount applied will be pro-rated to your policy length. Where you are due a refund of any premium, we may deduct any Discount originally applied to your premium from any refund owing to you.
  10. Discounts cannot be transferred or exchanged for cash or any other benefit.
  11. The Offer does not apply to the respective immediate families of a 'Current Employee'.
  12. Tower reserves the right, at its sole and absolute discretion, to change or revoke this Discount to ensure that the discount applied to the Tower premium is correct for the purposes of these Terms.
  13. Tower reserves the right to:
    1. change or cancel this Discount or the methodology for applying and/or calculating this Discount for any or all Eligible Policies;
    2. add policies to or remove policies from the list of Eligible Policies;
    3. change any other aspect of the Discount or these terms at any time.
  14. 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.
  15. By purchasing or renewing 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.
  16. Tower policy terms, conditions, exclusions, and underwriting criteria apply in respect of all Eligible Policies.

Vodafone staff discount terms and conditions

  1. These terms and conditions (Terms) and Tower's General Terms available here apply to the "Vodafone Staff Discount" offer (Offer).
  2. In these Terms, Tower refers to Tower Limited.
  3. To be eligible for the Offer, you must:
    1. be a New Zealand resident;
    2. be at least 18 years old;
    3. be a 'Current Employee' of Vodafone. A 'Current Employee' is any person who is currently employed by Vodafone under a full-time, part-time, or other employment contract; and
    4. purchase or renew an Eligible Policy (as that term is defined in clause 6 below) through the Vodafone corporate portal,

    the Eligibility Criteria

  4. A discount will be applied to the premium at the current discount rate of up to 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 Tower premium amount. The Discount does not apply to aspects of the premium that are collected by Tower but are not the Tower premium, including taxes and 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. For the purposes of this Discount, an Eligible Policy means any 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 and Commercial Car insurance; Tower Boat insurance (Eligible Policies).
  7. The Discount does not apply on any other policies and cannot be used in conjunction with any other offer, discount or promotion, except the Tower Multi-Policy Discount (if applicable).
  8. Tower has a minimum premium for each policy type. This Discount will be applied only to the extent that the Tower premium is above the minimum premium and it does not reduce the Tower premium for a particular policy below the minimum premium for that type of policy. If the full Discount would reduce a Tower premium below the minimum premium for a particular type of policy, the Discount will be capped so that the Tower premium payable is equal to the minimum premium for that policy type.
  9. If an Eligible Policy does not run for the full annual policy period (i.e., there is a mid-term cancellation), the Discount applied will be pro-rated to your policy length. Where you are due a refund of any premium, we may deduct any Discount originally applied to your premium from any refund owing to you.
  10. Discounts cannot be transferred or exchanged for cash or any other benefit.
  11. The Offer does not apply to the respective immediate families of a 'Current Employee'.
  12. Tower reserves the right, at its sole and absolute discretion, to change or revoke this Discount to ensure that the discount applied to the Tower premium is correct for the purposes of these Terms.
  13. Tower reserves the right to:
    1. change or cancel this Discount or the methodology for applying and/or calculating this Discount for any or all Eligible Policies;
    2. add policies to or remove policies from the list of Eligible Policies;
    3. change any other aspect of the Discount or these terms at any time.
  14. 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.
  15. By purchasing or renewing 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.
  16. Tower policy terms, conditions, exclusions, and underwriting criteria apply in respect of all Eligible Policies.