Airpoints terms and conditions

Tower Insurance Air New Zealand AirpointsTM terms and conditions

  1. Airpoints DollarsTM will be available to Tower Insurance customers from 16 January 2017.
  2. To be eligible to earn Airpoints DollarsTM you must fulfil all of the following criteria:
    1. Purchase or renew an eligible Tower policy (see section 3-4).
    2. Be a policyholder on the eligible policy.
    3. Be an Air New Zealand AirpointsTM programme member.
    4. Register your Airpoints number with Tower.

Policies eligible to earn Airpoints Dollars

  1. The policies listed in section 4 are eligible to earn Airpoints Dollars on condition that:
    1. they’re bought directly from Tower in New Zealand. A policy purchased through FinTel, Kiwibank, ANZ, TSB Bank, Westpac, ASB or Trade Me Insurance is not considered to be bought directly from Tower;
    2. they’re not bought through a broker; and
    3. the policy is not held for a Body Corporate.
  2. Policies eligible to earn Airpoints Dollars:
    1. Car
    2. House
    3. Contents
    4. Boat (pleasure craft)
    5. Caravan
    6. Motorcycle
    7. Farm cover – where any of the above listed from 4(a) to 4(f) is added to the cover.
    8. Commercial vehicle

Registering your Airpoints number

  1. You can register your Airpoints number:
    1. online at
    2. by calling our Customer Care team on 0800 847 010
    3. when buying your policy cover over the phone or on our website
  2. When purchasing your policy online, the Airpoints number will only apply to the customer reference number associated to the policy purchased.
  3. If you have other policies under a different customer reference number that you’d like to register your Airpoints number to, you’ll need to let us know.
  4. Once you’ve completed the registration process, we will apply your Airpoints number to the customer reference number provided, and eligible policy/ies linked to it.
  5. You can request to change the Airpoints number registered to your customer reference at any time.
  6. It is your responsibility to provide us with accurate details of your Airpoints account, and to let us know of any changes to your Airpoints account name or number.
  7. Tower will not be liable for any loss of benefits resulting from your details being out of date, inaccurate or otherwise.

Airpoints Dollars rewards

  1. Eligible customers will earn 1 Airpoints Dollar for every $100 spent on an eligible policy premium, calculated at time of purchase or at the time of renewal. Premium does not include levies, taxes and fees. Any adjustment to your policy following purchase or renewal that results in a change to your premium will not earn you additional Airpoints Dollars in that premium year.
  2. The earning rate for Airpoints Dollars is subject to change.
  3. This offer is not transferable or redeemable for cash.
  4. You may also be eligible to earn additional Airpoints Dollars through special offers or promotions, subject to the offer or promotion terms.

Airpoints Dollars allocation

  1. If you’re already a Tower customer, from 16 January 2017 you will start earning Airpoints Dollars from the next renewal date of your current policy/ies (after you have registered your Airpoints number with Tower). Airpoints Dollars will be allocated based on your premium payable at renewal. Airpoints Dollars will not be awarded retrospectively.
  2. Airpoints Dollars  will be awarded to your Airpoints account within 30 days of the premium being paid (either in full for annual payment or first instalment if the payment method is otherwise) for both new purchases and renewal of policy/ies.
  3. Eligible policies must be active when the allocation of Airpoints Dollars is made.

Deduction of Airpoints Dollars

  1. If for any reason, the payment that earned you Airpoints Dollars is refunded or dishonoured, or your policy is cancelled, Tower reserves the right to deduct the Airpoints Dollars earned with Tower from your Airpoints Account.


  1. Our standard privacy terms available at apply.
  2. In addition, by registering your Airpoints number with Tower and/or by earning Airpoints Dollars through Tower, you agree that your personal information:
    1. will be disclosed to and held by Air NZ and its contractors, and accessed by Tower;
    2. may be anonymised and disclosed by Air NZ in a limited manner to other third party partners of the Airpoints Programme (“Airpoints Partners”);
    3. may be collected by Air NZ and/or Airpoints Partners, anonymised and accessed by Tower in a limited manner,

    to enable us or Air NZ to identify and present you with information and offers relating to products and services that may be of interest to you (including by sending commercial electronic messages, including by email) and generally to operate and develop Tower, Air NZ’s or Airpoints Partner’s businesses.

  3. The personal information collected may include information that you provide to us (such as your name, address and email address) and information we collect when you purchase goods or services from us.
  4. You have the right to access and request correction of information that Air NZ holds about you. To contact Air NZ for this purpose, please refer to Air NZ’s privacy policy on Air NZ’s website.


  1. We may stop awarding Airpoints Dollars to you at any time at our absolute discretion, including if:
    1. we cease to be a partner in Air New Zealand’s Airpoints Programme; or
    2. you are no longer eligible to earn Airpoints Dollars through Tower.


  1. We are not responsible and accept no liability for any breach by Air New Zealand or its Airpoints Partners of its obligations to you in respect of the Airpoints Programme.


  1. Tower reserves the right to change these terms and conditions at any time without prior notice. 

Terms and conditions for 30,000 Airpoints Dollars prize draw

  1. The General Terms and Conditions apply to this draw.
  2. Tower Insurance Air New Zealand AirpointsTM Terms and Conditions apply to this draw.
  3. To be automatically eligible for a prize entry you must have taken out an eligible policy from Tower Insurance before 11.59pm 30 June 2017 and comply with the policy terms, conditions and normal underwriting criteria.
  4. Eligible insurance policies are any Tower Insurance insurance policies that are eligible to earn Airpoints Dollars. These policies can be found at
  5. You will receive one entry to the prize draw per eligible policy taken out or currently held with Tower Insurance provided you have registered your Airpoints details with us by 11.59pm 30 June 2017.
  6. FinTel, Trade Me Insurance, Kiwibank, TSB Bank, Westpac, ASB and ANZ policies are not eligible policies for this promotion.
  7. The promotion commences on 12.00am 2 April 2017 and concludes 11.59pm 30 June 2017.
  8. The prize is 30,000 Airpoints Dollars.
  9. One prize winner will be drawn at random on 7 July 2017.
  10. Tower will contact the prize winner by phone or email. If for any reason Tower cannot contact the prize winner within one week of the prize draw, Tower reserves the right to either:
    1. Withdraw the prize offer; or
    2. Withdraw the prize offer and redraw a new prize winner at random.
  11. The Tower decision is final with respect to all matters relating to this offer and no further correspondence or discussions will be entered into.
  12. The prize winners agree for their name to be used to promote the prize draw on social media networks, and in Tower email communications.
  13. The prize is not transferable and cannot be taken for cash.
  14. The prize will be deposited into the winner’s Air New Zealand Airpoints account.
  15. Tower reserves the right to change applicable terms and conditions at any time provided that no participant is prejudiced by the change.
  16. Airpoints Dollars can be spent at the Airpoints Store, and on flights in the Air New Zealand and Star Alliance networks, all flights subject to availability. Flights on the Star Alliance network must be booked via the Air New Zealand Call centre.
  17. Air New Zealand’s legal terms and conditions apply, available at
  18. Neither Tower nor any other person or party associated with this promotion shall be liable for any loss or damage whatsoever suffered (including but not limited to indirect or consequential loss) or personal injury suffered or sustained in connection with either participation in this promotion or with any prizes offered.
  19. Any entries into the competition will be deemed to constitute acceptance of these terms and conditions.