Promotions terms and conditions

General promotion terms and conditions

  1. These terms and conditions ("Terms") apply to all promotions, competitions and offers listed below.
  2. In these Terms, Tower means Tower Insurance Fiji Limited ("Tower"), at times referred to "we" or "us".
  3. All promotions, competitions and offers are only open to residents of Fiji aged at least 18 years.
  4. By entering or taking up any Tower competition, promotion or offer you agree to unconditionally accept all Terms, as well as the specific conditions set out below for the relevant competition, promotion or offer.
  5. Where relevant, policy terms, conditions and exclusions, and normal underwriting criteria apply.
  6. Information on how to enter the specific promotion, and all instructions appearing on advertisements, printed material or websites will form part of the Terms for entry into these competitions and promotions and offers. To the extent of any inconsistency in the information shown on the advertisements, printed material or websites, these Terms will prevail.
  7. All information submitted by you in respect of any promotion, competition or offer becomes the property of Tower. Tower will collect, hold and use your personal information in accordance with its Privacy Policy.
  8. All individuals have the right to access and correct their personal information held by Tower.
  9. From time to time Tower may also use your information to provide you with communications updating you on the full range of services it offers. If you do not want to receive this information please let us know at any time by calling Tower on +679 322 5880 or by emailing info@towerinsurance.com.fj.
  10. Where a prize is to be given, Tower reserves the right to request winners of any prizes to provide proof of identity, proof of residency at the nominated prize delivery address and/or proof of entry validity. In the event that such proof is not provided by the prize winner, or is not satisfactory to Tower, then that prize winner shall forfeit their rights to any prize.
  11. Tower reserves the right to change, suspend or cancel applicable Terms for a competition, promotion or offer at any time. All decisions of Tower shall be final and binding in all matters related to the Promotion.
  12. Tower will not be liable for any loss, claim, cost, expense, liability or injury suffered by any person in any way associated with any promotions, competitions or offers, or for any Prizes, except where such loss cannot be excluded by law. Tax obligations, if any, are your responsibility.
  13. This Terms are bound by the laws of Fiji and any disputes will be subject to the jurisdiction of the courts of Fiji.

$50 off when you buy online with the promo code

  1. These Terms apply to the "Save $50 when you buy online" campaign ("Promotion").
  2. This Promotion commences at 9am on Monday 25 January 2021 and will run for a limited time only ("Promotion Period").
  3. To be eligible for this Promotion you must purchase a new eligible policy through the Tower website using the promo code: SAVE50 during the Promotion Period.
  4. Tower employees and the employees of Tower Alliance partners are not eligible to enter this Promotion. Tower reserves the right to request any further information to determine eligibility at its absolute discretion.
  5. The promo code SAVE50 cannot be used in conjunction with any other offer except the Tower Insurance Multi Policy Discount if applicable.
  6. FJ$50 will be deducted from your total premium in respect of the first year only for each eligible policy purchased in accordance with these Terms.
  7. Eligible policies are Tower’s Comprehensive, Third Party Fire and Theft, Third Party and Commercial Vehicle Insurance purchased in accordance with these Terms.

Tower Insurance Facebook Competitions

  1. The Promotion Terms and Conditions above apply to all Tower Insurance Facebook post competitions (each a ‘Facebook Competition’).
  2. By entering a Facebook Competition you agree to be bound by these terms and conditions.
  3. To be eligible for entry into a Facebook Competition you must: a) follow all instructions outlined in the relevant Facebook Competition post; and b) be a Fiji permanent resident.
  4. Each Facebook Competition will be open for entry until the closing date stipulated in the relevant Facebook Competition post (‘Closing Date’) and subject to any conditions or instructions stated in the relevant Facebook Competition post. Any entries outside of the stipulated entry period will not be accepted and Tower does not accept any responsibility for late, lost or misdirected entries.
  5. To the extent of any inconsistency between these terms and conditions and in the information shown on a Facebook Competition post, these terms and conditions will prevail.
  6. Only one entry per Facebook member is permitted, unless stated otherwise on the Facebook Competition post.
  7. A random draw to determine the winner for each Facebook Competition will take place on the Closing Date, unless stated otherwise on the post itself.
  8. Winners will be announced by Tower in the comments for the relevant Facebook Competition post as soon as reasonably practicable after the competition ends.
  9. The winner must message Tower to accept the relevant prize within 5 working days once they’ve been announced as detailed in point 8. If the winner does not message Tower within that timeframe, Tower may, at their discretion, arrange for another random draw to determine a new winner for the Facebook Competition or withdraw the prize.
  10. The prize for each Facebook Competition will be detailed in the relevant Facebook Competition post. Prizes are non-exchangeable or transferable and cannot be redeemed for cash.
  11. By uploading or submitting content (such as text, data, images, photos or names) (‘Content’) to a Facebook Competition, you acknowledge that you have right to use, upload and/or submit the Content.
  12. By entering a Facebook Competition you grant Tower the right to use the Content and your personal information (including name, city or town) for publicity purposes in connection with this promotion and agree to Tower’s use of your personal information to contact you in relation to the Facebook Competition.
  13. Tower will not be liable for any loss, claim, cost, expense, liability or injury (‘Loss’) suffered by any person in any way associated with a Facebook Competition including as a result of entry into a Facebook Competition or winning a Facebook Competition prize, except where such Loss cannot be excluded by law.
  14. Tower’s decision on all matters relating to a Facebook Competition is final and no correspondence will be entered into.
  15. Tower reserves the right to change applicable terms and conditions of a Facebook Competition at any time, provided that no participant is prejudiced by the change.
  16. Facebook Competitions are in no way endorsed, sponsored, administered by, or associated with, Facebook, and you fully release Facebook from any liability or responsibility for in connection with a Facebook Competition.

Refer a friend to get a reward and go in the draw to win

  1. These terms and conditions ("Terms") apply to the "Refer a friend" campaign ("Promotion").
  2. This Promotion commences at 12:01am on 1 July 2021 and ends at 11:59pm on 20 August 2021, unless otherwise stated or while stocks last ("Promotion Period").
  3. To be eligible for this Promotion, you must:
    1. hold an active policy with Tower during, and at the end of, the Promotion Period (“Customer”); and
    2. refer another person to Tower during the Promotion Period (“Referee”).
  4. Tower employees and the employees of Tower partners are not eligible to enter this Promotion.
  5. Each Customer and their Referee will receive a $25 voucher (“Voucher”) if that Referee purchases an Eligible Policy (as defined below) during the Promotion Period.
  6. Eligible policies are new Tower personal domestic house, car and contents insurance policies (each an “Eligible Policy”) but exclude any:
    1. business or commercial insurance policies;and
    2. policies purchased through our advisor or broker network.
  7. A Voucher will be provided to each Customer and Referee following Tower’s receipt of the premium (either in full for annual payment or the first instalment if the payment method is otherwise) for that Referee’s Eligible Policy. Each Customer and Referee must allow up to 30 working days from Tower’s receipt of the relevant premium to receive their Voucher.
  8. Tower will not be responsible for replacing any lost, damaged or stolen Voucher.
  9. Tower reserves the right to charge any Referee a fee of $25 if that Referee cancels their Eligible Policy within three months of that Eligible Policy being taken out.
  10. As part of this Promotion each Customer who meets the eligibility criteria in clause 3 above will be automatically entered in a draw (“Draw”) to win a one-off prize of $500 (“Prize”). Each Customer will receive one entry for each active Eligible Policy it holds with Tower.
  11. One winner of the Prize (“Winner”) will be determined by a random draw from all valid entries on Tuesday 24 August 2021 (“Draw Date").
  12. The Winner will be notified by Tower using the Winner’s last-known contact details provided to Tower.
  13. If for any reason Tower cannot contact the Winner within two weeks of the Winner being drawn, Tower reserves the right to withdraw the Prize and/or redraw a new prize winner from all valid entries at random.
  14. By accepting the Prize or any Voucher, each Customer and Referee agrees to be bound by these Terms and grants Tower the right to use their personal information (including name and address) for marketing and publicity purposes in connection with this Promotion on Tower’s website and/or social media networks, and in Tower communications.
  15. The Prize and the Vouchers are non-exchangeable, non-refundable, non-negotiable and cannot be redeemed for cash.
  16. The general promotion terms and conditions above form part of these Terms. The Vouchers may also be subject to the terms and conditions of the supplier of those Vouchers in addition to these Terms.
  17. If you are entering into this Promotion as a Customer, you are deemed to have accepted these Terms by referring another person to Tower during the Promotion Period.
  18. If you are entering into this Promotion as a Referee, you are deemed to have accepted these Terms by purchasing an Eligible Policy during the Promotion Period.

Save 10%

  1. These terms and conditions ("Terms") apply to the “Save 10%" campaign ("Promotion").
  2. This Promotion commences at 12:01am on 22 August 2021 and ends at 11:59pm on 16 October 2021, unless otherwise stated or while stocks last ("Promotion Period").
  3. Tower Insurance (“Tower”) employees and the employees of Tower partners are not eligible to enter this Promotion.
  4. This Promotion is offered to all new and existing Tower customers who purchases an Eligible Policy (as defined below) during the Promotion Period.
  5. Eligible policies are new Tower personal domestic house, car and contents insurance policies (each an “Eligible Policy”) but exclude any:
    a. business or commercial insurance policies; and
    b. CTP insurance policies; and
    c. policies purchased through our advisor or broker network.
  6. By purchasing a policy with a 10% discount, the Customer agrees to be bound by these Terms and grants Tower the right to use their personal information (including name and address) for marketing and publicity purposes in connection with this Promotion on Tower’s website and/or social media networks, and in Tower communications.
  7. This Promotion cannot be used in conjunction with any other offer or discount.
  8. The discount is non-exchangeable, non-refundable, non-negotiable and cannot be redeemed for cash.
  9. The general promotion terms and conditions above form part of these Terms.

Win with Tower

  1. These terms and conditions ("Terms") apply to the "Win with Tower" campaign ("Promotion").
  2. This Promotion commences at 12:01am on 3 November 2021 and ends at 11:59pm on 17 December 2021, unless otherwise stated or while stocks last ("Promotion Period").
  3. To be eligible for this Promotion, you must:
    1. hold an active policy with Tower during, and at the end of, the Promotion Period (“Customer”)
  4. Tower employees and the employees of Tower partners are not eligible to enter this Promotion.
  5. Eligible policies are new Tower personal domestic house, car and contents insurance policies (each an “Eligible Policy”) but exclude any:
    1. business or commercial insurance policies;and
    2. policies purchased through our advisor or broker network.
  6. As part of this Promotion each Customer who meets the eligibility criteria in clause 3 and clause 5 above will be automatically entered in a draw (“Draw”) to win a one of five prizes, including a Major prize of $1,500 and one of four minor prizes of $750 (“Prize”). Each Customer will receive one entry for each active Eligible Policy it holds with Tower. Winning customers will not be re-entered into further draws.
  7. Prize winners (“Winners”) will be determined by random draws from all valid entries, except previous winners of this competition, on Monday 20 December 2021 (“Draw Date").
  8. The Winners will be notified by Tower using the Winners’ last-known contact details provided to Tower.
  9. If for any reason Tower cannot contact the Winner within two weeks of the Winner being drawn, Tower reserves the right to withdraw the Prize and/or redraw a new prize winner from all valid entries at random.
  10. By accepting the Prize or any Voucher, each Customer and Referee agrees to be bound by these Terms and grants Tower the right to use their personal information (including name and address) for marketing and publicity purposes in connection with this Promotion on Tower’s website and/or social media networks, and in Tower communications.
  11. The Prize is non-exchangeable, non-refundable, non-negotiable and cannot be redeemed for cash.
  12. The general promotion terms and conditions above form part of these Terms.
  13. If you are entering into this Promotion as a Customer, you are deemed to have accepted these Terms by referring another person to Tower during the Promotion Period.