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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.

Win a car

  1. These terms and conditions ("Terms"), and Tower’s General Terms available here, apply to Tower’s "Win a car promotion" ("Promotion").
  2. In these Terms “Tower” means Tower Insurance (Fiji) Limited.
  3. This Promotion commences at 12:01am, 2 March 2022 and ends at 11:59pm, 30 April 2022 ("Promotion Period").
  4. The Promotion consists of one draw (“Draw”). The draw date will be Wednesday 4 May 2022 (“Draw Date”).
  5. To enter this Promotion you must: a. complete and save a quote for an Eligible Policy (as defined in clause 6 below) (“Quote”) online at www.towerinsurance.com.fj for one entry into the Draw (limited to one entry per person); and/or b. purchase an Eligible Policy (as defined in clause 6 below) online at www.towerinsurance.com.fj to receive one additional entry into the Draw per Eligible Policy purchased (i.e., purchase two Eligible Policies and receive two additional entries into the Draw).
  6. For the purposes of this Promotion, an “Eligible Policy” means any new Tower House, Motor and/or Contents insurance policy but excludes: a. any Tower Business or Commercial insurance policies; b. Tower Travel insurance policies; and c. any other insurance policies with Tower purchased by any means other than online at www.towerinsurance.com.fj.
  7. Tower employees and immediate families and employees and immediate families of Tower’s partners, brokers and advisers are not eligible to enter this Promotion.
  8. The prize for the Draw is a Toyota Rush SUV valued at over FJ$49,900 (“Vehicle”), the initial road user charges for the Vehicle and a Tower Motor insurance policy for the Vehicle for a 12 month period beginning on the Draw Date, subject to relevant underwriting criteria (“Prize").
  9. There will be one prize winner in respect of the Draw (“Winner”) who will be determined by a random draw from all valid entries, on the Draw Date.
  10. The Winner will be notified by Tower using the Winner’s last-known contact details provided to Tower and Tower will arrange for delivery of the Prize with the Winner.
  11. If for any reason Tower cannot contact the Winner within two weeks of the Draw Date, Tower reserves the right to withdraw the Prize and/or redraw a new prize winner from all valid entries at random.
  12. By accepting the Prize the Prize Winner agree to be bound by these Terms and grants Tower the right to use their personal information for marketing and publicity purposes in connection with this Promotion on Tower’s website and/or social media networks, and in communications.
  13. The Prize is non-exchangeable, non-refundable, non-negotiable and cannot be redeemed for cash.
  14. If the Prize is not available for any reason, Tower reserves the right to substitute the Prize with another prize of a similar value.
  15. By saving a Quote or purchasing an Eligible Policy online during the Promotion Period in accordance with our standard transaction process, you are deemed to have accepted 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.

Win a smartphone

  1. These terms and conditions ("Terms"), and Tower’s General Terms available here, apply to Tower’s "Win a smartphone" promotion ("Promotion").
  2. In these Terms “Tower” means Tower Insurance (Fiji) Limited.
  3. This Promotion commences at 12:01pm, 10 May 2022 and ends at 11:59pm, 30 May 2022 ("Promotion Period").
  4. The Promotion consists of one draw (“Draw”). The draw date will be Thursday 2 June 2022 (“Draw Date”).
  5. To enter this Promotion, you must register an account on My Tower online during the Promotion Period at www.towerinsurance.com.fj/mytower (“Eligible Customer”).
  6. Tower employees and the employees of Tower partners are not eligible to enter this Promotion.
  7. If you are eligible to enter this Promotion as an Eligible Customer Tower will automatically enter you into the Draw unless we receive notification from you that you do not wish to participate in the Promotion.
  8. Eligible Customers will receive one entry into the Draw.
  9. This Promotion is run concurrently with the “Win a $50 shopping voucher promotion” (see the “Win a $50 shopping voucher promotion” terms and conditions below for more details). Each Eligible Customer may only win one Prize across the “Win a $50 shopping voucher promotion” and this Promotion.
  10. The prize for this draw is an iPhone 12 Pro 256GB valued at approx. NZD$1,500 (“Prize").
  11. There will be one prize winner in respect of the Draw (“Prize Winner”) who will be determined by a random draw from all valid entries, on the Draw Date.
  12. The Prize Winner will be notified by Tower using the Prize Winners’ last-known contact details provided to Tower and Tower will arrange for delivery of the Prize with the Prize Winner.
  13. If for any reason Tower cannot contact the Prize Winner within two weeks of the Draw Date, 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 the Prize Winner agrees to be bound by these Terms and grants Tower the right to use their personal information for marketing and publicity purposes in connection with this Promotion on Tower’s website and/or social media networks, and in communications.
  15. The Prize is non-exchangeable, non-refundable, non-negotiable and cannot be redeemed for cash and Tower accepts no liability or responsibility for lost, stolen, misplaced or damaged Prizes.
  16. If the Prize is not available for any reason, Tower reserves the right to substitute the Prize with another prize of a similar value.

Win a $50 shopping voucher

  1. These terms and conditions ("Terms"), and Tower’s General Terms available here, apply to Tower’s "Win a $50 shopping voucher" promotion ("Promotion").
  2. In these Terms “Tower” means Tower Insurance (Fiji) Limited.
  3. This Promotion commences at 12:01pm, 11 May 2022 and ends at 11:59pm, 30 May 2022 ("Promotion Period").
  4. The Promotion consists of one draw (“Draw”). The draw date will be Thursday 2 June 2022 (“Draw Date”).
  5. To enter the Draw, you must register an account on My Tower online during the Promotion Period at towerinsurance.com.fj/mytower (“Eligible Customer”).
  6. Tower employees and the employees of Tower partners are not eligible to enter this Promotion.
  7. If you are eligible to enter this Promotion as an Eligible Customer Tower will automatically enter you into the Draw unless we receive notification from you that you do not wish to participate in the Promotion.
  8. Eligible Customers will receive one entry into the Draw.
  9. This Promotion is run concurrently with the “Win a smartphone promotion” (see the “Win a smartphone promotion” terms and conditions above for more details). Each Eligible Customer may only win one Prize across the “Win a smartphone promotion” and this Promotion.
  10. There are five prizes to be won for this Promotion and the winners (each a “Prize Winner”) will receive a $50 shopping voucher (to a shop of Tower’s choice) (“Prize”).
  11. The Prize Winners will be determined by a random draw from all valid entries, on the Draw Date. Each Eligible Customer may only win one Prize.
  12. Each Prize Winner will be notified by Tower using the Prize Winners’ last-known contact details provided to Tower and Tower will arrange for delivery of each Prize with each Prize Winner.
  13. If for any reason Tower cannot contact a Prize Winner within two weeks of the Draw Date, Tower reserves the right to withdraw any Prize and/or redraw a new prize winner from all valid entries at random.
  14. By accepting a Prize each Prize Winner agrees to be bound by these Terms and grants Tower the right to use their personal information for marketing and publicity purposes in connection with this Promotion on Tower’s website and/or social media networks, and in communications.
  15. The Prizes are non-exchangeable, non-refundable, non-negotiable and cannot be redeemed for cash and Tower accepts no liability or responsibility for lost, stolen, misplaced or damaged Prizes.
  16. If a Prize is not available for any reason, Tower reserves the right to substitute the Prize with another prize of a similar value.

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.