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Terms and conditions

For promotional terms and conditions, please visit this page.

Bound By Use

By accessing TOWER’s website, http://www.towerinsurance.com.pg, (‘the website’ or ‘TOWER’s website’) you agree that the following terms and conditions apply to your use of the website.

TOWER may change or update the content of the website, including these terms and conditions applicable to the website, at any time without prior notice.  In these terms and conditions, all references to ‘we’, ‘us’, ‘our’ and ‘TOWER’ are references to TOWER Insurance (PNG) Limited and all TOWER Group companies, being its related companies as defined in the Companies Act 1997. These terms and conditions are in addition to, and do not replace, any specific terms and conditions applicable to any TOWER product, service, marketing and / or promotion.

Use of TOWER’s website

You are granted a non-exclusive license to access the website and the information it contains.  By accessing the website you agree not to use the website for any commercial or competitive advantage; any illegal, defamatory or objectionable purpose; or any purpose which brings or could bring TOWER’s reputation into disrepute.

You also agree not to decompile, reverse engineer or try to decompile or reverse engineer any part of the website, including the secure sites. Anyone found breaching the user rights will be prosecuted to the full extent of the law.

General disclaimer

Although all reasonable care has been taken in producing the information contained on the website, it is of a general nature only, and does not take into account any individual’s particular circumstances, financial, medical or otherwise.  While we try to ensure that the content of the website is up to date and free from error, we do not give any guarantee or other assurance of the currency of any information on the website or its accuracy, adequacy, completeness or suitability for your intended use.  The website is not intended to provide a substitute for comprehensive or specific professional advice.  You should not act in reliance upon any information contained on the website without first obtaining professional, independent advice relevant to your individual circumstances.  By accessing the website, you confirm you have taken such advice or decided against it.

Accuracy of information

Information provided on the website is provided in good faith and is derived from sources believed to be reliable and accurate.  However, certain information may be selective, and TOWER advises that it may not be complete for the purposes of any individual or company.


To the fullest extent legally possible, neither TOWER Insurance (PNG) Limited nor any of its related companies, or their directors, employees, agents, independent contractors, nor any other person, accepts any liability or responsibility for any loss, damage, cost or expense (including but not limited to financial loss, loss of revenue, loss of profits or savings, indirect or consequential losses) arising in contract, tort (including negligence) or otherwise, that may result from any error, omission or misrepresentation on the website or reliance on information contained on the website or from any use of or access to the website,

TOWER makes no representation or warranty about the accuracy or completeness of information and accepts no liability or responsibility in respect of errors in or omissions from information contained on the website, to the extent permitted by law.

To the fullest extent legally possible, we exclude every warranty and condition of any kind that might otherwise apply in relation to the website, its content and functions.


Information may be contained on the website about the products or services of third parties.  TOWER makes no representation or warranty as to the quality of any of those products or services or their suitability to your circumstances.

From time to time the website may contain links to other websites.  These links are provided for convenience only, and do not represent any endorsement by TOWER of the products or services offered by the site owner.  TOWER makes no representations and accepts no responsibility or liability in relation to the contents of any website linked to this website that is not under the direct control of TOWER.

Changes to content

You may not do anything or permit anything to be done which may alter the website, or interfere with or affect its operation.  This includes, without limitation, removing any information from the website, adding any information to the website, linking it to or from another website, distributing any part of the website to any other person or copying any part of it for any commercial or illegal purpose.  Any website providers wishing to link to this site may formally request to do so by emailing us at [email protected]

Viruses and cookies

Although all reasonable care has been taken to prevent the introduction of viruses and other destructive materials on the website, TOWER does not guarantee that the website is free from such destructive features.  TOWER accepts no responsibility or liability in relation to any harm attributable to such destructive features.  If you rely on any materials available through the website, you do so at your own risk.

Cookies are small data files that a website host computer sends to a website user’s computer. TOWER may use cookies on its website from time to time to help it remember information you enter, by passing a unique ID between your computer and the TOWER website that identifies you. The practice of holding sensitive data in cookies is avoided. Cookies are either automatically removed at completion of the browser session or are set to expire after a predefined period.

Site access

TOWER does not guarantee the continued availability of the website or the continuation of services provided on it. Access to the website and to any saved information may be interrupted, restricted, delayed or unavailable from time to time. TOWER accepts no responsibility or liability in relation to any loss suffered in these circumstances.


The information, images, screens, web pages, logos and brands on the website and the general content of the website are the property of TOWER, who holds copyright in it. The information may not be copied or reused (other than as expressly intended by this website) without the prior written consent of TOWER. In particular, in no circumstances should the TOWER brand or the TOWER logo be used without the written consent of TOWER.

Privacy policy

We may use any information that you directly or indirectly transmit to us to help ensure that we provide you with quality service, and to enable us to keep you informed and up to date with reports, newsletters and details of product changes.  In addition, we may use your information to provide additional information to you about the full range of services we offer.  If you do not want to receive this information you can let us know by emailing [email protected]

The information you provide will be stored physically or electronically (including via cloud storage) by us or our suppliers in Papua New Guinea, New Zealand or elsewhere. We will take reasonable steps to ensure that any personal information that we collect is stored securely. You may request access to, or correction of the information we hold about you.


With the exception of parts of the website, unless otherwise stated, the content of the website has been prepared in accordance with Papua New Guinea law for the supply of products and services to persons resident in Papua New Guinea only.  Unless otherwise stated, references to any currency are to Papua New Guinea kina.

The content of the website, and these terms and conditions are governed by and construed in accordance with Papua New Guinea law and Papua New Guinea Courts have jurisdiction.

Comments and complaints

If you would like to make any comments or complaints about the website or any of the information or services available on the website, please contact us. We will try to resolve any complaint as soon as possible.


In designing the website, TOWER has incorporated security procedures and practices that we consider are consistent with Papua New Guinea industry practice. We review our security procedures from time to time and update these when relevant. Pages on the website that require the mandatory entry of personal information and/or user name and password are protected by 128-bit encryption.  The username, password and personal data are encrypted when transiting over the Internet which prevents tampering with these details.

© 2021 TOWER Insurance (Papua New Guinea) Limited. All rights reserved.