Cook Islands Protect Your Home Prize Draw

  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 "Cook Islands Protect Your Home Prize Draw" Promotion (Promotion).
  2. In these Terms, Tower means Tower Insurance (Cook Islands) Limited.
  3. The Promotion begins at 12:01am on 20 December 2023 and ends at 11:59pm on 29 February 2024 (Promotion Period).
  4. There are three prizes to be won for this Promotion. Eligible Customers (see clause 6 below) will receive one entry per Eligible Policy (see clause 7 below) purchased in accordance with these Terms (i.e., purchase two Eligible Policies and receive two entries).
  5. Prize winners (Prize Winners) will receive one NZD$100 voucher from Cook Islands Trading Corporation Limited (CITC) (Prize).
  6. Subject to these Terms, this Promotion is available to you if:
    1. you buy an Eligible Policy directly from Tower (including following a referral from a partner of Tower), via the Tower website or via a Tower branch or office in Cook Islands, during the Promotion Period; and
    2. the period of insurance for the Eligible Policy begins during the Promotion Period; and
    3. the Eligible Policy has begun and is in force on the Draw Date (see clause 14 below); and
    4. by the Draw Date, Tower has received all payments due from you in respect of your premium, either:
      1. in full for an annual payment; or
      2. at least the first instalment and any subsequent payments due if you pay by instalments.
        (Eligible Customer).
  7. For the purposes of this Promotion, an Eligible Policy means a newly purchased (and not renewing) Tower branded House policy (Plus and/or Standard). The following policies are not Eligible Policies:
    1. Cyclone response cover policies.
    2. Any insurance policy underwritten by Tower purchased through one of Tower's brokers.
    3. Any policy underwritten by Tower which is not purchased directly from Tower (either online or via a Tower branch or office in Cook Islands).
    4. If you held the same type of Tower policy for the same asset in the three months immediately before the Promotion Period, then any new replacement policy will not be eligible.
    5. Any other insurance policies underwritten by Tower.
  8. Tower's employees and their immediate families are not eligible to win a Prize.
  9. If this Promotion applies and you are an Eligible Customer, Tower will automatically enter you into the Promotion. 
  10. 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.
  11. 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.
  12. Each Prize Winner can only win one Prize during the Promotion.
  13. The Prize is non-exchangeable, non-refundable, non-transferable, non-negotiable, and cannot be redeemed for cash or any other benefit.
  14. The Prize Winners will be determined by a random draw by Tower from all valid entries on 1 April 2024 (Draw), 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.
  15. The Prize Winners will be asked to provide Tower with their contact details (including first name, last name, email address, phone number, and address) within 10 working days of that Prize Winner being contacted by Tower to advise that they are a Prize Winner.
  16. Tower reserves the right to withdraw the Prize and re-draw a new Prize Winner if:
    1. Tower is unable to contact a Prize Winner within 10 working days of the Draw Date; or
    2. the terms of clause 6 are not met.
  17. Tower will obtain written permission prior to using any Prize Winners' personal information (including their name, photograph, city and/or town) for marketing and/or publicity purposes in connection with this Promotion. If consent is provided, this information may be published on Tower's website and/or social media networks, and in communications. Please refer to Tower's Privacy Policy for more information.
  18. 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.
  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. substitute a Prize with another prize of a similar value; 
    3. add policies to the list of Eligible Policies; and/or
    4. change any other aspect of the Promotion at any time,
      at its sole discretion.
  21. The Prize is subject to Cook Islands Trading Corporation Limited's terms and conditions. 
  22. Tower explicitly disclaims and does not accept liability in relation to any terms and conditions (or any change to the terms and conditions) relating to the Prize, including in relation to the expiry date. 
  23. Tower explicitly disclaims and does not accept any liability in relation to the provisions of goods or performance of services by Cook Islands Trading Corporation Limited.