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Promotions terms and conditions

See the terms and conditions for Airpoints

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.

Be in to win a share of 10,000 Airpoints Dollars™ Competition

  1. These terms and conditions ("Terms") apply to the "Be in to win a share of 10,000 Airpoints Dollars™" ("Competition") in which 10 weekly draws will be undertaken from all valid entries for a prize of 1,000 Airpoints Dollars™ per week.
  2. The General Terms above also form part of these Terms.
  3. The Competition commences at 12:00am 23 May 2021 and ends at 11:59pm 31 July 2021 ("Competition Period").
  4. The Competition will consist of 10 separate weekly draws (each, a "Weekly Draw") and entries for each Weekly Draw open at 12am on Sundays and close at 11:59pm on the following Saturday during the Competition Period (each, a "Weekly Competition Period").
  5. Entry to a Weekly Draw is open to you if: a. you get a quote for any eligible policy in respect of your house, contents, vehicle and/or boat ("Asset") online at Tower.co.nz or over the phone from Tower during the Weekly Competition Period ("Quote"); b. you save the Quote either by clicking the 'Save Quote' button on the online quote journey or request that the Tower agent save the Quote when you receive it over the phone during the Weekly Competition Period. If your Quote has been saved, you will receive an email from us confirming entry into the Weekly Draw; and c. you own (whether solely or jointly) the Asset and such Asset is not insured under an existing policy with Tower.
  6. If you are eligible to enter a Weekly Draw in accordance with clause 5, Tower will automatically enter you into the Weekly Draw at the end of the relevant Weekly Competition Period on your behalf (unless we receive notification from you that you do not wish to participate in the Weekly Draw, in which case we will not enter you into the Weekly Draw).
  7. One entry per person per Asset allowed. Tower may disqualify any entry that does not comply with these Terms.
  8. If you meet the eligibility criteria set out in clause 5 and proceed with purchasing the eligible policy during the Competition Period, you will receive an additional entry into the relevant Weekly Draw.
  9. The prize for each Weekly Draw is 1,000 Airpoints Dollars™ ("Prize") and there are 10 Prizes to be won over the Competition Period.
  10. The winner of each Prize ("Prize Winner") will be selected via a random draw from all valid entries every Tuesday following the end of each Weekly Competition Period and contacted via email or by phone. Only one Prize per Prize Winner is permitted.
  11. If for any reason: a. Tower cannot contact a Prize Winner within 14 days of the Prize Winner being drawn; or b. the Prize Winner does not provide Tower with proof of ownership for the Asset and/or a valid Airpoints™ number that matches the name and contact information provided in the Quote within 14 days of first being contacted by Tower, that Prize Winner forfeits their Prize and Tower reserves the right (at its sole and absolute discretion) to withdraw the Prize and/or redraw a new prize winner from all valid entries at random.
  12. Tower policy terms, conditions and exclusions and underwriting criteria apply.
  13. Eligible policies are Tower house, contents, landlord’s, personal motor and boat insurance policies but exclude: a. Tower Cover4Travel; and b. Trade Me Insurance and TSB policies.
  14. The Prizes are non-exchangeable, non-refundable, non-transferable, non-negotiable and cannot be redeemed for cash.
  15. Tower employees and the employees of Tower’s partners are not eligible to enter the Competition.
  16. Terms and conditions of Airpoints™ also apply and are available here.
  17. By accepting a Prize, each Prize Winner grants Tower the right to use their personal information (including name and address) for marketing and publicity purposes in connection with this Competition on Tower’s website and/or social media networks, and in Tower communications.
  18. You are deemed to have accepted these Terms by getting a Quote and/or buying an eligible policy during the Competition Period.

QUICKQUOTE promo code

  1. These terms and conditions ("Terms") apply to the “Get a quick quote promotion" ("Promotion"). The General Terms above also form part of these Terms.
  2. This Promotion commences at 12am 1 August 2021 and ends at 11.59pm 9th October 2021 ("Promotion Period").
  3. If you purchase a new eligible policy online through the Tower website using the promo code "QUICKQUOTE" ("Promo Code") during the Promotion Period, NZ$50 will be deducted from your total premium in respect of the first year only for that eligible policy ("Discount").
  4. Eligible policies are Tower house, contents, landlord’s, boat and motor insurance policies but exclude: a. Tower Cover4Travel; b. Trade Me Insurance and TSB insurance policies; and
  5. any other insurance policies with Tower purchased through Tower’s partners, brokers or advisers.
  6. Tower employees and employees of Tower’s partners are not eligible to enter this Promotion.
  7. The Promo Code cannot be used in conjunction with any other offer, discount or promotion except the Tower insurance multi policy discount (if applicable) and as specified in clause 8 below.
  8. The Promo Code can only be used once per eligible policy. Any discount cannot be exchanged for cash or any other benefit.
  9. If you buy a new eligible policy online using the Promo Code during the Promotion Period in accordance with these Terms, you will also go into a draw for the "win a year’s insurance premium" competition. See promotion terms and conditions for more details.
  10. Policy terms, conditions, exclusions and underwriting criteria apply in respect of all policies.
  11. By purchasing a new eligible policy online using the Promo Code during the Promotion Period, you are deemed to have accepted these Terms.

Win a year's premium promotion

  1. These terms and conditions ("Terms") apply to the "Win a year's premium" promotion ("Promotion").
  2. Tower’s general promotion terms and conditions at www.tower.co.nz/promo/terms-and-conditions/ also form part of these Terms.
  3. The promotion period starts at 12:00am, Sunday 1 August 2021 and ends at 11:59pm, Saturday 09 October 2021 ("Promotion Period").
  4. The Promotion consists of 10 weekly draws (each, a "Draw"). Entries for each Draw open at 12am on Sundays and close at 11:59pm on the following Saturday during the Promotion Period (each, a "Draw Period").
  5. Entry to a Draw is open to you if:
    a. you purchase an eligible policy online at Tower.co.nz or over the phone from Tower during any Draw Period, that policy is still in force on 11 November 2021 ("Draw Date") and Tower receives payment of your premium for such policy (either in full for annual payment or at least the first instalment if your payment method is otherwise) before the Draw Date ("New Eligible Customer"); or
    b. an eligible policy you hold with Tower is renewed during any Draw Period, that policy is still in force on the Draw Date and Tower receives payment of your premium for such policy (either in full for annual payment or at least the first instalment if your payment method is otherwise) before the Draw Date ("Existing Eligible Customer"),
    provided that Tower employees are not eligible to enter this Promotion. Policy terms, conditions and exclusions and underwriting criteria apply.
  6. Eligible policies are:
    a. in respect of New Eligible Customers, Tower house, landlord, personal and commercial motor, contents or boat insurance policies but excluding any policies purchased through Tower‘s partners, brokers or advisers;
    b. in respect of Existing Eligible Customers, any Tower insurance policies but excluding any policy purchased through Trade Me Insurance or TSB Bank.
  7. If you are eligible to enter this Promotion as a New Eligible Customer or Existing Eligible Customer in accordance with clause 5, Tower will automatically enter you into the Promotion unless we receive notification from you that you do not wish to participate in the Promotion.
  8. New Eligible Customers and Existing Eligible Customers will receive one entry per eligible policy purchased or renewed in accordance with these Terms.
  9. There will be one prize winner in respect of each Draw Period (each, a “Prize Winner”).
  10. The prize for each Draw is a one-off discount on the first year’s premium payable for the Prize Winner’s eligible policy as quoted at the time of purchase of that eligible policy (“Premium”) up to the lower of (i) the value of the Premium (including GST, fees and levies) or (ii) NZ$1,000 (including GST, fees and levies) (“Prize”). Depending on the value of their Premium, a Prize Winner may receive (at Tower’s discretion) a credit or refund of any Premium they have actually paid before the Draw Date.
  11. In the event that any Prize Winner’s Premium is more than NZ$1,000 (including GST, fees and levies), that Prize Winner must pay the remaining balance of their Premium.
  12. The Prizes are non-exchangeable, non-refundable, non-transferable, non-negotiable and cannot be redeemed for cash.
  13. All the Prize Winners will be determined by a random draw from all valid entries on 11 November 2021 and notified by Tower via email or by phone within 10 working days. If, for any reason:
    a. Tower is unable to contact a Prize Winner within 10 working days of the Prize Winner being drawn;
    b. Tower has not received payment of a Prize Winner’s Premium (either in full for annual payment or at least the first instalment if the payment method is otherwise) prior to the Draw Date; or
    c. a Prize Winner’s eligible policy is not in force on the Draw Date,
    Tower reserves the right to withdraw the Prize and/or re-draw a new prize winner.
  14. Each Prize Winner grants Tower the right to use their personal information for marketing and publicity purposes in connection with this Promotion on Tower’s website and/or social media networks, and in communications. Please refer to our Privacy Policy on our website for more information.
  15. By purchasing or renewing an eligible policy during any Draw 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.