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SAVEONLINE discount

  1. These terms and conditions (Terms), Tower's General Promotion terms and conditions (available here), and Tower's General Terms (available here) apply to the "SAVEONLINE Discount" Promotion (Promotion).
  2. In these Terms Tower means Tower Limited.
  3. The Promotion commences at 7:00am on Sunday 2 April 2023 and ends at 11:59pm on Saturday 24 June 2023 (Promotion Period).
  4. This Promotion applies if:
    1. you purchase any Eligible Policy (as defined in clause 8 below) online through the Tower website; and
    2. you use the promo code SAVEONLINE (Promo Code); and
    3. the period of insurance for the Eligible Policy begins,
      during the Promotion Period.
  5. 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.
  6. 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 each instalment. The relevant discount for each Eligible Policy is as follows (Discount):
    • House: NZ$100 (incl GST) per Eligible Policy.
    • Landlord: NZ$100 (incl GST) per Eligible Policy.
    • Contents: NZ$50 (incl GST) per Eligible Policy.
    • Pet: NZ$50 (incl GST) per Eligible Policy.
    • Boat: NZ$50 (incl GST) per Eligible Policy.
    • Motor (Private Car and Commercial Car): NZ$50 (incl GST) per Eligible Policy.
  7. 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.
  8. For the purposes of this Promotion, an Eligible Policy means any new Tower House, Landlord, Contents, Pet, Boat, and/or Motor insurance policy in New Zealand, but excludes:
    1. Tower Travel insurance policies;
    2. Tower Rural and (non-Motor) Commercial policies; and
    3. any other insurance policies underwritten by Tower purchased through Tower's partners, brokers, or advisers, or by any means other than online through Tower's website using the Promo Code.Further, 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.
  9. Tower's employees, and employees of Tower's partners, brokers, or advisers are not eligible to use the Promo Code.
  10. 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 multi-pet discount and/or no claims bonus benefit (if applicable). If applicable, the Discount will be applied after any applicable Tower multi-policy discount, multi-pet discount and/or no claims bonus benefit has been applied.
  11. The Promo Code must only be used once per Eligible Policy.
  12. The Discount cannot be exchanged for cash or any other benefit.
  13. 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.
  14. If an Eligible Policy does not run for the full annual policy period (i.e., 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.
  15. Policy terms, conditions, exclusions, 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 are bound by these Terms. If you do not agree to be bound by these Terms, then you must not use the Promo Code when purchasing an Eligible Policy.
  17. Tower reserves the right to:
    1. change or revoke the Promotion to ensure that the Discount applied to the Tower Premium 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,
      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).