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Up to 10% off Coastguard discount

  1. These terms and conditions (General Terms), Tower's General Promotion terms and conditions (available here), and Tower's General Terms (available here), apply to the "up to 10% off Coastguard Discount" offer (Offer).
  2. In these Terms, Tower refers to Tower Limited.
  3. To be eligible for the Offer, you must:
    1. be a New Zealand resident;
    2. be at least 18 years old;
    3. purchase a new Tower Boat insurance policy through Coastguard's corporate portal (Eligible Policy).

    The Eligibility Criteria

  4. A discount will be applied to the premium of the Eligible Policy as quoted at the time of purchase at the current discount rate of up to 10% (Discount Rate) for one year (Discount).
  5. The Discount only applies to the Tower premium amount. The Discount does not apply to aspects of the premium that are collected by Tower but are not the Tower premium, including taxes and levies. The Discount Rate may be subject to change at any time at Tower's sole and absolute discretion.
  6. The Discount does not apply to any other policies and cannot be used in conjunction with any other offer, discount, or promotion, except the Tower Multi-Policy Discount (if applicable).
  7. Tower has a minimum premium for each policy type. This Discount will be applied only to the extent that the Tower premium is above the minimum premium and it does not reduce the Tower premium for a particular policy below the minimum premium for that type of policy. If the full Discount would reduce a Tower premium below the minimum premium for a particular type of policy, the Discount will be capped so that the Tower premium payable is equal to the minimum premium for that policy type.
  8. If an Eligible Policy does not run for the full annual policy period (i.e., there is a mid-term cancellation), the Discount applied will be pro-rated to your policy length. Where you are due a refund of any premium, we may deduct any Discount originally applied to your premium from any refund owing to you.
  9. Discounts cannot be transferred or exchanged for cash or any other benefit.
  10. The Offer does not apply to the respective families of a 'Current Employee'.
  11. Tower reserves the right, at its sole and absolute discretion, to change or revoke this Discount to ensure that the discount applied to the Tower premium is correct for the purposes of these Terms.
  12. Tower reserves the right to:
    1. change or cancel this Discount or the methodology for applying and/or calculating this Discount for any or all Eligible Policies;
    2. add policies to or remove policies from the list of Eligible Policies;
    3. change any other aspect of the Discount or these terms at any time.
  13. All decisions made by Tower are final with respect to all matters relating to the Offer, and no further correspondence or discussions will be entered into.
  14. By purchasing or renewing a Tower Boat insurance policy using the Discount in accordance with these Terms, you are bound by these Terms. If you do not agree to be bound by these Terms, then you must not use the Discount when purchasing a Tower Boat insurance policy.
  15. Tower policy terms, conditions, and exclusions, and underwriting criteria apply in respect of the Tower Boat insurance policy.