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NZDF staff, friends and family discount

  1. These terms and conditions (Offer Terms), Tower's General Promotion terms and conditions (available here), and Tower's General Terms (available here), apply to the "NZDF staff, friends and family discount" offer (Offer), referred to together as Terms.
  2. In these Offer Terms:
    1. Tower means Tower Limited.
    2. Tower Premium means the amount of premium retained by Tower and excludes any taxes, levies and other charges collected by Tower on behalf of third parties (such as GST, Fire and Emergency levies, and Natural Hazards Insurance levies).
  3. Subject to these Terms, this Offer applies and you will be an eligible customer if you:
    1. permanently reside in New Zealand;
    2. are at least 18 years old;
    3. are a 'Current Employee' of NZDF. A 'Current Employee' is any person who is currently employed by NZDF under a full-time, part-time, or other employment contract; or
    4. are an NZDF veteran; and
    5. are a friend or family member of a 'Current Employee' of NZDF or an NZDF veteran; and
    6. purchase an Eligible Policy (as defined in clause 6 of these Offer Terms) from Tower through your NZDF Serving Personnel Tower portal or NZDF Friends and Family portal, 

    Eligible Customer.

  4. If you are an Eligible Customer, then a discount of up to 10% will be deducted from the annual Tower Premium for each Eligible Policy purchased for one year, unless by doing so the Tower Premium would be reduced below Tower's minimum premium (see clause 8 of these Offer Terms). The Discount does not apply to taxes or levies.
  5. The Discount may be renewed after each one year term, provided that you continue to be an Eligible Customer. Upon request, the Discount can be applied to existing Eligible Policies, however, the Discount will only be effective from the next renewal date of any Existing Policy.
  6. For the purposes of this Offer, an Eligible Policy means the following Tower policies acquired via your organisation's unique online quote portal:
    1. Standard, Plus, Premium, and Landlord's Plus House Insurance;
    2. Standard, Plus, and Premium Contents Insurance;
    3. Comprehensive, Third Party, Fire and Theft, and Third Party Car Insurance;
    4. Comprehensive Boat Insurance;
    5. Comprehensive and Third party only Commercial Vehicle Insurance,

      but excludes:

    6. Lifestyle block and farm insurance policies;
    7. Contract Works - Renovation cover policies; and
    8. any other insurance policies underwritten by Tower.
  7. The Discount may be subject to change at any time at Tower's sole discretion.
  8. Tower has a minimum premium for each policy type. If the Discount will reduce the Tower Premium below Tower's minimum premium, the Discount will be capped so that the Tower Premium is equal to the minimum premium for that policy type.
  9. If an Eligible Policy does not run for a full 12-month policy period, the Discount applied will be pro-rated to the period for which the policy was active.
  10. Unless Tower advises otherwise, the Discount cannot be used in conjunction with any other offer, discount, or promotion, except for the Tower multi-policy discount (if applicable). If applicable, the Discount may be applied after any other discounts have been applied. 
  11. The Discount cannot be transferred or exchanged for cash or any other benefit. 
  12. You are deemed to have accepted these Terms by purchasing a new Eligible Policy in accordance with these Terms. 
  13. Tower policy excesses, terms, conditions, exclusions, limits, minimum premiums, and underwriting criteria apply in respect of all Eligible Policies. 
  14. To the maximum extent permitted by law, Tower Limited and NZDF and their applicable related companies and affiliates, employees and agents will not be liable for any loss, damage, personal injury or cost suffered by any person arising directly or indirectly out of or in connection with this Offer. 
  15. Tower reserves the right to, at its absolute discretion:
    1. revoke the Offer in relation to any customers where it considers they have not complied with the Terms; and
    2. vary any of the terms applying to this Offer at any time or to modify, extend, terminate or suspend this Offer without notice.
  16. The Promoter is Tower Limited trading as Tower.