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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.

You've got a choice promotion

  1. These terms and conditions (“Terms”) apply to the “You've got a choice promotion" ("Promotion"). The General Terms above also form part of these Terms.
  2. This Promotion commences at 12pm 7th March 2021 and ends at 11.59pm 9 May 2021 (“Promotion Period”).
  3. To enter this Promotion you must purchase a new eligible policy online through the Tower website using either the promo code "SAVE50" or "AIR50" (“Promo Code”) during the Promotion Period.
  4. Eligible policies are Standard, Plus, Premium and Landlord’s Plus House Insurance; Standard, Plus and Premium Contents Insurance; Comprehensive, Third Party Fire and Theft, Third Party and Commercial Vehicle Insurance but exclude:
    a. Tower Cover4Travel;
    b. Trade Me Insurance and TSB policies; and
    c. any policies purchased through our advisor network.
  5. If the "SAVE50" promo code is used, NZ$50 will be deducted from your total premium in respect of the first year only for each eligible policy purchased in accordance with these Terms.
  6. If the "AIR50" promo code is used, 50 Airpoints Dollars™ will be applied to your Airpoints account provided that an active and valid Airpoints number is given at the time of purchase of the relevant policy online and the premium for that policy has been paid (either in full if such premium is payable on an annual basis or the first instalment if payable on a non-annual basis). Tower Limited Air New Zealand Airpoints™ terms and conditions also apply.
  7. Tower employees and employees of Tower’s partners are not eligible to enter this Promotion.
  8. The Promo Codes cannot be used in conjunction with any other offer except the Tower insurance multi policy discount (if applicable).
  9. Only one Promo Code can be used to redeem a discount or obtain Airpoints Dollars™ per eligible policy. Any discounts and Airpoints Dollars™ cannot be exchanged for cash or any other benefit.
  10. Customers that buy a new eligible policy online using the promo code "SAVE50" or "AIR50" during the Promotion Period in accordance with these Terms will also go into a draw to win 500 Airpoints Dollars™. Refer to the "Win 500 Airpoints Dollars" competition terms and conditions for more details.
  11. Policy terms, conditions, exclusions and normal underwriting criteria apply in respect of all eligible policies.
  12. By purchasing a new eligible policy using a Promo Code during the Promotion Period, you are deemed to have accepted these Terms.

500 Airpoints Dollars competition - as part of 'You've got a choice' promotion

  1. These terms and conditions ("Terms") apply to the "Win 500 Airpoints Dollars™” competition ("Competition") in which customers who have purchased an eligible policy online in accordance with the terms of the “You’ve got a choice” promotion (“Promotion”) will go into a draw to win 500 Airpoints Dollars™. The General Terms above also form part of these Terms.
  2. The Competition commences at 12pm 7th March 2021 and ends at 11.59pm 9 May 2021 (“Competition Period”).
  3. To be eligible for this Competition you must:
    a. be 18 years or older;
    b. have taken out an eligible policy online within the Competition Period in accordance with the terms and conditions relating to the Promotion (“Promotion Terms”) and such policy is active on the Draw Date (as defined below); and
    c. have given your valid Air New Zealand Airpoints registration number to Tower before the end of the Competition Period.
  4. Tower employees and employees of Tower’s partners are not eligible to enter the Competition.
  5. If you are eligible to enter this Competition in accordance with clause 4, Tower will automatically enter you into the Competition at the end of the Competition Period (unless we receive notification from you that you do not wish to participate in the Competition, in which case we will not enter you into the Competition). You will receive one entry per eligible policy purchased in accordance with the Promotion Terms.
  6. There is one prize of 500 Airpoints Dollars™ ("Prize").
  7. One winner of the Prize (“Prize Winner”) will be determined by a random draw from all valid entries on 15 May 2021 (“Draw Date").
  8. The Prize Winner will be notified by Tower via email using the Prize Winner’s last-known contact details provided to Tower.
  9. The Prize Winner will be awarded 500 Airpoints Dollars™ to their Airpoints account within 30 days from the later of the Draw Date or the date on which Tower has received payment of the premium for the Prize Winner’s eligible policy (either in full if such premium is payable on an annual basis or the first installment if payable on a non-annual basis).
  10. If for any reason Tower cannot contact the Prize Winner within one week of the Draw Date, the Prize Winner’s eligible policy is not active on the Draw Date, or Tower has not received payment of the relevant premium, Tower reserves the right to withdraw the Prize and/or redraw a new prize winner from all valid entries at random.
  11. The 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.
  12. The Prize is non-exchangeable, non-refundable, non-transferable, non-negotiable and cannot be redeemed for cash.
  13. Tower Limited Air New Zealand Airpoints terms and conditions also apply to this Competition.
  14. You are deemed to have accepted these Terms by purchasing an eligible policy in accordance with the Promotion Terms.

36th America's Cup Competition

  1. These terms and conditions apply to the "36th America's Cup Tickets" (Competition) in which customers who purchase a new Tower Insurance Boat Comprehensive policy by 11:59pm 7 February 2021 will go into the draw to win a gift voucher for 2 x tickets to the "On the water spectactor America's Cup - Harbour Sailing Fleet" experience (The Event) on Sunday 14 March 2021.
  2. The Competition commences at 11:00am 14 January 2021 and ends at 11:59pm 7 February 2021 (Competition Period).
  3. Only one entry is permitted per person.
  4. To enter this Competition you must:
    a. Be 18 years or older, and
    b. Be able to attend and travel independently to the event in Auckland on Sunday 14 March 2021, and
    c. You must take out a Boat Insurance Comprehensive Cover policy by 11:59pm 7 February 2021 to go in the draw.
  5. Tower employees and the employees of Tower’s Partners are not able to enter the Competition.
  6. The prize is a gift voucher for 2 x adult tickets to the 'On the water spectator America's Cup - Harbour Sailing Fleet' experience on Sunday 14 March 2020, including a picnic box lunch (The Prize).
  7. In the case that you win The Prize, you are required to make a premium payment prior to 7 March 2021 to receive the gift voucher which will be sent via email on the 8 March 2021.
  8. Terms and conditions of Explore Limited apply and are included with the ticket information which will be sent to the winner.
  9. The winner will be selected via a random draw and contacted on the 15 February 2021 by email. If the winner does not respond by 20 February 2021, a new winner will be selected at random.
  10. If the winner does not make a payment by 7 March 2021, a new winner who has made payment will be randomly drawn.
  11. Tower policy terms, conditions and exclusions and underwriting criteria apply in respect of all eligible policies.
  12. The Prize is non-exchangeable, non-refundable, non-transferable, non-negotiable and cannot be redeemed for cash.
  13. Tower accepts no liability in the case that the race is cancelled or does not proceed for whatever reason, and will not issue any refunds of premium or costs that may have been paid in reliance upon this Competition, or be required to provide any alternative Prize.

Save10 Promo Code

  1. These terms and conditions apply to the "SAVE10 Promo Code" (Promotion) in which eligible policies bought online using Promo Code "SAVE10" during the promotion period will receive 10% off the company premium per policy.
  2. The Promotion commences on 22nd February 2021 and ends at 11.59pm 28th March 2021 (Promotion Period).
  3. To be eligible for this Promotion you must purchase a new eligible policy through the Tower website and enter the promo code "SAVE10" on the Quote Customise Page within the Promotion Period.
  4. A 10% discount will be deducted from your company premium in respect of the first year only for each eligible policy purchased in accordance with these Terms. No discount applies to fees or levies.
  5. Tower employees and the employees of Tower alliance partners are not eligible to enter this Promotion.
  6. The promo code SAVE10 cannot be used in conjunction with any other offer except the Tower Insurance Multi Policy Discount if applicable.
  7. Eligible policies are Standard, Plus, Premium and Landlord’s Plus House Insurance; Standard, Plus and Premium Contents Insurance; Comprehensive, Third Party Fire and Theft, Third Party and Commercial Vehicle Insurance purchased in accordance with these Terms but exclude:
    a. Tower Cover4Travel; and
    b. FinTel, Trade Me Insurance, Kiwibank, TSB, Westpac, ASB policies, and policies purchased through our advisor network.
  8. You are deemed to have accepted these Terms by purchasing a new eligible policy in accordance with these Terms.

AIA Adviser

  1. These terms and conditions ("Terms") apply to the "Win free insurance for a year" promotion ("Promotion") in which customers who take out a new eligible policy with Tower following a referral from an AIA adviser will go into the draw to win a one-off discount to their premium up to the value of NZ$2,000 (including GST). Tower’s general promotion terms and conditions above also form part of these Terms.
  2. The promotion period starts at 8am, Monday 15 March 2021 and ends at 5pm, Friday 11 June 2021 ("Promotion Period").
  3. To be eligible for this Promotion, you must have been referred to Tower by an AIA adviser and have taken out a new policy with Tower (other than Tower Cover4Travel or any FinTel or Trade Me insurance policies) during the Promotion Period.
  4. If you are eligible to enter this Promotion in accordance with clause 3, Tower will automatically enter you into the Promotion at the end of the Promotion Period (unless we receive notification from you that you do not wish to participate in the Promotion, in which case we will not enter you into the Promotion). You will receive one entry per eligible policy purchased in accordance with these Terms.
  5. One prize winner will be determined by a random draw from all valid entries on 18 June 2021.
  6. The prize is a one-off discount to the premium payable on one eligible policy in respect of the first year only ("Premium") up to the lower of (i) the value of the Premium or (ii) NZ$2,000 (including GST) ("Prize"). In the event that the Premium is more than NZ$2,000, the winner of the Prize ("Prize Winner") must pay the balance of the Premium. If the Prize Winner has taken out multiple eligible policies with Tower, the Prize will apply to the eligible policy with the highest premium.
  7. If the Prize Winner has paid their Premium prior to the Announcement Date (as defined below), the Prize Winner will receive a refund of the Premium equal to the lower of (i) the value of the Premium paid or (ii) NZ$2,000 (including GST), provided that the relevant eligible policy is active.
  8. The Prize is non-exchangeable, non-transferable, non-negotiable and cannot be redeemed for cash.
  9. The Prize Winner will be announced, in collaboration with AIA, on 18 June 2021 ("Announcement Date") and notified by Tower.
  10. If, for any reason, Tower is unable to contact the Prize Winner within 14 days of the Announcement Date or the Prize Winner’s eligible policy is not active on the Announcement Date, Tower reserves the right to withdraw the Prize and/or re-draw a new prize winner.
  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.
  12. By purchasing a new eligible policy during the Promotion Period, you are deemed to have accepted these Terms.