1. This Premium Pay Back for renewing car policies promotion (“Promotion”) is conducted by State, a business division of IAG New Zealand Limited (“State”), NZI Centre, 1 Fanshawe Street, Auckland 1010.
  2. By participating in this Promotion entrants agree to be bound by these terms and conditions.
  3. This Promotion commences on 6 June 2019 and ends at 11:59pm on 30 June 2020 (“Promotion Period”).
  4. Eligibility

  5. Entry is open to residents of New Zealand who are 16 years of age or over as at 6 June 2019 (“Eligible Entrant”).
  6. To enter the Promotion, entrants must renew an existing State car insurance policy (being either Car Comprehensive, Car Third Party Fire & Theft or Third Party only) (“Qualifying Policy”) that is in the entrants own name during the Promotion Period.
  7. For the avoidance of doubt, if a participant renews multiple Qualifying Policies during the Promotion Period, each Qualifying Policy will be eligible for the Promotion.
  8. Prize & Prize Draw

  9. The Prize is that the insurance premium payable for the Qualifying Policy (for the avoidance of doubt, being the policy renewed by the winner in order to enter the Promotion pursuant to paragraph 5 above) will be free for the first year of the renewed policy.
    1. If the winner has selected to have the premium for the applicable Qualifying Policy paid by direct debit, State will pay the first year premium in full.
    2. If the winner has already made full payment of the renewal premium, State will reimburse the Prize winner by direct credit to a valid New Zealand bank account within 14 working days of the Prize Draw (or such later date as required by State).
  10. One prize winner will be drawn each month during the Promotion Period at random from all eligible entries within 5 business days following the last day of that month (“Prize Draw”).
  11. There will be 12 Prize Draws in total during the Promotion Period.
  12. The Prize winners will be contacted by State within three working days of the relevant Prize Draw (or such later date as required by State) by phone.
  13. State will make reasonable efforts to notify winners that they have won. If, after reasonable efforts have been made by State, the winner cannot be contacted within 5 business days of the monthly Prize Draw, State can at its discretion:
    1. deem the prize winner to have forfeited their right to the Prize; and
    2. re-draw another eligible prize winner in accordance with these terms and conditions.


  14. State's decision on any matter regarding this Promotion, the Prize and/or the Prize Draw will be final and no correspondence will be entered into.
  15. The Prize is not transferable, not refundable and cannot be exchanged for cash. The Prize must be taken as stated in these terms and conditions and no compensation will be payable if the winner is unable to use the Prize as stated or if the Prize is lost or stolen.
  16. State reserves the right to terminate, extend or amend this Promotion, including to re-schedule the Prize Draw, at any time without notice to any person, for any reason.
  17. State takes no responsibility for any misdirected, lost, incomplete, damaged, corrupted, incorrectly submitted or late entries or any human error, technical malfunctions, lost or delayed data transmission or any other interruption or failure to any computer or telecommunications network services that may affect the conduct of this Promotion or the Prize Draw.
  18. To the fullest extent permitted by law, State and its related bodies will not be liable for any loss or damage whatsoever (including by not limited to direct or consequential loss) or for the personal injury as a result of entry in the Promotion or winning the Prize.
  19. Privacy

  20. Information collected from all entries will be securely held by State. State may contact any or all entrants for the purpose of the Promotion generally and for marketing and promotional purposes. State may disclose entrants’ personal information to its contractors, partners, and agents in the course of conducting this Promotion and for marketing and promotional purposes. By participating in the Promotion and for marketing and promotional purposes. By participating in this Promotion, entrants grant State exclusive permission to use their names, contact details, post content, photographs and videos for State external and internal marketing, promotion, communication and publicity purposes and entrants waive any claims to royalty, right or remuneration for such use. All entrants have the right to access and correct their personal information in accordance with the Privacy Act 1993 by contacting State in writing at the address in clause 1 above or by calling 0800 80 24 24.

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