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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 Samoa (“NPI”), at times referred to “we” or “us”.
  3. All Promotions are only open to residents of Samoa 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 +685 20 481 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 Samoa and any disputes will be subject to the jurisdiction of the courts of Samoa.

Get a voucher when you buy house, car, or contents insurance in March offer

  1. These terms and conditions (“Terms”) apply to the “Get a WST$50 gas voucher when you buy house, car or contents insurance in March” campaign (“Promotion”). 
  2. This Promotion commences at 12:01am on 8 March 2021 and ends at 11:59pm on 31 March 2021, unless otherwise stated or while stocks last (“Promotion Period”). 
  3. To be eligible for this Promotion you must purchase a new Tower personal domestic house, car or contents insurance policy (“Eligible Policy”) during the Promotion Period.
  4. Eligible Policies exclude any: 
  5. business or commercial insurance policies;  
  6. compulsory third-party insurance policies; and   
  7. policies purchased through our advisor or broker network. 
  8.  Each customer who purchases an Eligible Policy during the Promotion Period in accordance with these Terms (“Eligible Customer”) will receive a WST$50 gas voucher (“Voucher”), provided that Tower employees and the employees of Tower partners are not eligible to enter this Promotion. 
  9. The Voucher will be delivered to each Eligible Customer following Tower’s receipt of the premium for that Eligible Customer’s Eligible Policy. Each Eligible Customer must allow up to 30 working days from the date from Tower’s receipt of the relevant premium to receive their Voucher. 
  10. Vouchers are non-exchangeable, non-refundable, non-negotiable and cannot be redeemed for cash.   
  11. Tower will not be responsible for replacing any lost, damaged or stolen Voucher. 
  12. Tower reserves the right to charge a customer a fee of WST$50 if that customer cancels their Eligible Policy within three months of that Eligible Policy being taken out. 
  13. The General Terms above form part of these Terms. A Voucher may also be subject to the terms and conditions of the supplier of that Voucher in addition to these Terms.   
  14. By purchasing a new Eligible Policy during the Promotion Period, you are deemed to have accepted these Terms. 

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 Samoa 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.

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 NPI during, and at the end of, the Promotion Period (“Customer”); and
    1. refer another person to NPI during the Promotion Period (“Referee”).
  4. NPI employees and the employees of NPI 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 NPI personal domestic house, car and contents insurance policies (each an “Eligible Policy”) but exclude any:
    1. business or commercial insurance policies; and
    1. policies purchased through our advisor or broker network.
  7. A Voucher will be provided to each Customer and Referee following NPI’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 NPI’s receipt of the relevant premium to receive their Voucher.
  8. NPI will not be responsible for replacing any lost, damaged or stolen Voucher.
  9. NPI 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 NPI.
  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 NPI using the Winner’s last-known contact details provided to NPI.
  13. If for any reason NPI cannot contact the Winner within two weeks of the Winner being drawn, NPI 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 NPI the right to use their personal information (including name and address) for marketing and publicity purposes in connection with this Promotion on NPI’s website and/or social media networks, and in NPI 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 NPI 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.