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Promotions terms and conditions

General promotion terms and conditions

  1. These terms and conditions (“General Terms”) apply to all promotions, competitions and offers listed below (collectively, “Promotion”).
  2. In these General Terms, Tower means National Pacific Insurance Tonga (“NPI”), at times referred to “we” or “us”.
  3. All Promotions are only open to residents of Tonga aged at least 18 years.
  4. By entering any Promotion you are deemed to accept and agree to be bound by these General Terms, as well as the specific terms and conditions set out below for the relevant Promotion (“Specific Terms”).
  5. Where relevant, policy terms, conditions, exclusions and normal underwriting criteria apply.
  6. Information on how to enter the relevant Promotion, including any instructions in advertisements, printed material or websites will form part of the terms and conditions for the relevant Promotion. To the extent of any inconsistency in the information shown on the advertisements, printed material or websites, the General Terms and Specific Terms will prevail.
  7. NPI will collect, hold and use your personal information in accordance with its privacy policy.
  8. From time to time NPI may also use your information to provide you with communications on the full range of services it offers, or for promotional, marketing and publicity purposes. If you do not want to receive such communications please let us know at any time by calling NPI on +676 24 066 or by [email protected].
  9. Where a Promotion includes a prize, NPI 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, is not received by NPI within a reasonable time after request or is not satisfactory to NPI, then that prize winner shall forfeit their rights to any prize.
  10. NPI reserves the right to change, suspend or cancel applicable terms and conditions for a Promotion at any time without notice.
  11. All decisions made by NPI are final with respect to all matters relating to any Promotion and no further correspondence or discussions will be entered into.
  12. To the maximum extent permitted by law, NPI will not be liable for any loss, claim, cost, expense, liability or injury suffered by any person in any way associated with any Promotions or for any Prizes. Tax obligations, if any, are your responsibility.
  13. All Promotions are bound by the laws of Tonga and any disputes will be subject to the jurisdiction of the courts of Tonga.

Win a $100 shopping voucher

  1. These terms and conditions (“Terms“), and NPI’s General Terms available here,  apply to Tower’s “Win 1 of 5 $100 shopping vouchers” promotion (“Promotion“).
  2. In these Terms “NPI” means National Pacific Insurance (Tonga) Limited, backed by Tower Insurance.
  3. This Promotion commences at 12:01pm, 2 June 2022 and ends at 11:59pm, 31 August 2022 (“Promotion Period“)
  4. The Promotion consists of one draw (“Draw”).  The draw date will be Tuesday 6 September 2022 (“Draw Date”).
  5. Entry into the Draw is open to you if:
    1. you purchase a new Eligible Policy during the Promotion Period; and
    1. that Eligible Policy is still in force on the Draw Date (“Eligible Customer”).
  6. For the purposes of this Promotion an “Eligible Policy” means any new NPI car, house, contents or business insurance policies, but excludes Compulsory Third Party Fire and Theft policies. 
  7. NPI employees and the employees of NPI partners are not eligible to enter this Promotion.
  8. If you are eligible to enter this Promotion as an Eligible Customer, NPI will automatically enter you into the Draw unless we receive notification from you that you do not wish to participate in the Promotion.
  9. Eligible Customers will receive one entry into the Draw per each new Eligible Policy purchased (i.e., purchase two Eligible Policies and receive two entries).
  10. There are 5 prizes in total to be won, and each winner of a prize (“Prize Winner”) will receive one shopping voucher worth $100 (to a shop of NPI’s choice) (“Prize“). Each Prize Winner can only win one Prize.
  11. The Prizes are subject to the shopping voucher’s terms and conditions.
  12. The 5 Prize Winners will be determined by a random Draw by NPI from all valid entries on the Draw Date.
  13. Each Prize Winner will be notified by NPI via email and/or phone, using the Prize Winners’ last-known contact details provided to NPI (please ensure your first name, last name, email address, phone number and address details are up-to date and correct prior to the Draw Date). NPI will then arrange for delivery of the Prize via courier post or delivery in-person to each respective Prize Winner.
  14. If for any reason NPI 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.
  15. By accepting the Prize, each Prize Winner grants NPI the right to use their personal information for marketing and publicity purposes in connection with this Promotion on NPI’s website and/or social media networks, and in communications. Please refer to NPI’s Privacy Policy or more information.
  16. The Prizes are non-exchangeable, non-refundable, non-negotiable and cannot be redeemed for cash, and NPI accepts no liability or responsibility for lost, stolen, misplaced or damaged Prizes or gift voucher codes.
  17. If the Prize is not available for any reason, NPI reserves the right to substitute the Prize with another prize of a similar value.
  18. If for any reason this Promotion is not capable of running as planned, NPI may suspend, cancel or modify this Promotion.
  19. By entering this Promotion, you are deemed to have accepted these Terms.
  20. Prizes are awarded by NPI in its absolute discretion and any questions or concerns relating to this Promotion or these Terms are to be addressed to NPI.

National Pacific Insurance Facebook Competitions

  1. The Promotion Terms and Conditions above apply to all National Pacific Insurance (NPI) 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 Tonga 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 NPI 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 NPI in the comments for the relevant Facebook Competition post as soon as reasonably practicable after the competition ends.
  9. The winner must message NPI 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 NPI within that timeframe, NPI  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 NPI  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 NPI ’s use of your personal information to contact you in relation to the Facebook Competition.
  13. NPI  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. NPI’s decision on all matters relating to a Facebook Competition is final and no correspondence will be entered into.
  15. NPI 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.