Fiji 150 Years Prize Draw

  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 "Fiji 150 Years Prize Draw" promotion (Promotion), referred together as Terms.
  2. If you are an Eligible Customer (see clause 7), Tower will automatically enter you into the Promotion and you are deemed to have accepted the Terms unless you request otherwise. If you wish to be removed from this Promotion, please contact us using any of the options available here.
  3. The promoter is Tower Insurance (Fiji) Limited (Tower).
  4. The Promotion begins at 12:01am on 4 December 2024 and ends at 11:59pm on 17 December 2024 (Promotion Period).
  5. There are fifteen prizes to be won for this Promotion. Eligible Customers will receive one entry per Eligible Policy (see clause 8 below) purchased in accordance with these Terms (i.e., purchase two Eligible Policies and receive two entries).
  6. Subject to clauses 18(b) and 19, prize winners (Prize Winners) will receive one of fifteen prizes of FJD$150 voucher from Vision Investments Limited trading as Courts Fiji (Courts) which will be allocated at random (Prize).
  7. Subject to these Terms, this Promotion is available to you and you will be an eligible customer if:
    1. you purchase or hold 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 agent in Fiji, during the Promotion Period; and
    2. the period of insurance for the Eligible Policy begins before or during the Promotion Period; and
    3. the Eligible Policy has begun and is in force on the Draw Date (see clause 12 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).
  8. For the purposes of this Promotion, an Eligible Policy means the following Tower branded policies:
    1. House (Plus and/or Standard); and
    2. Contents (Plus and/or Standard); and
    3. Motor (Comprehensive, Third Party, Fire, and Theft, and/or Third Party only),

      but excludes the following:

    4. Commercial vehicle and other business insurance policies.
    5. Cyclone response cover policies.
    6. Any insurance policy underwritten by Tower purchased through one of Tower's brokers.
    7. Any policy underwritten by Tower which is not purchased directly from Tower (either online or via a Tower branch or office in Fiji). 
    8. Any other insurance policies underwritten by Tower.
  9. Tower's employees and their immediate families are not eligible to win a Prize.
  10. Each Prize Winner can only win one Prize during the Promotion (even if they have purchased more than one Eligible Policy).
  11. The Prize is non-exchangeable, non-refundable, non-transferable, non-negotiable, and cannot be redeemed for cash or any other benefit.
  12. The Prize Winners will be determined by a random draw by Tower from all valid entries on 18 December 2024, and, if required, 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.
  13. The Prize Winners will be asked to provide Tower with their contact details (including first name, last name, email address, phone number, and address) and choice of Prize within five working days of that Prize Winner being contacted by Tower to advise that they are a Prize Winner.
  14. 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 5 working days of the Prize Winner being drawn; or
    2. the terms of clause 7 are not met.
  15. 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.
  16. 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.
  17. Policy terms, excesses, conditions, exclusions, limits, minimum premiums and underwriting criteria apply in respect of all policies.
  18. Tower reserves the right to, at its absolute discretion:
    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, extend, suspend, terminate or re-schedule part or all of the Promotion at any time.
  19. The Prize is subject to Courts' terms and conditions (as applicable). 
  20. Tower expressly 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.
  21. Tower explicitly disclaims and does not accept liability in relation to the provision of goods or performance of services by Courts.
  22. To the maximum extent permitted by law, Tower and its 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 entering this Promotion or accepting a Prize.