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Gift Terms

Gift Offer Terms And Conditions

Please read the gift offer and competition terms and conditions below.

These terms and conditions are promoted by BusinessCoverExpert.com, whose registered office is 11 Funtley Court, Funtley Hill, Fareham, Hampshire PO16 7UY.

From time to time we may, on selected products or campaigns for BusinessCoverExpert.com and our partners, offer vouchers or other incentives. BusinessCoverExpert.com and our partners have agreed to offer vouchers based on the following terms and conditions.

To be eligible you must a purchase a business life insurance policy through BusinessCoverExpert.com or through one of our carefully selected partners via a referral through us.

The value of the vouchers that you qualify for will directly relate to the value of your monthly premium and the term of the policy. You will receive two months worth of your premium in vouchers for example:

  • A £30 monthly premium will qualify for £60 worth of vouchers.
  • A £25 monthly premium will qualify for £50 worth of vouchers.
  • A £20 monthly premium will qualify for £40 worth of vouchers.
  • A £15 monthly premium will qualify for £30 worth of vouchers.
  • A £10 monthly premium will qualify for £20 worth of vouchers.
  • Minimum monthly premium of £10 and a policy term of 12 years or more is required.

An Amazon Kindle, offered on selected Business Life Insurance policies, requires a minimum monthly premium of £30.

An iPad Mini, offered on selected Key Man Insurance policies, requires a minimum monthly premium of £130 and a policy term of 12 years or more. Where a iPad Mini is not available vouchers to the Apple store to the value of £270 will be offered as an alternative.

Only one voucher will be issued per policy and per individually named person and multiple voucher claims are not allowed under this offer. BusinessCoverExpert.com reserves the right to withhold a voucher or gift if sufficient proof is not provided from the individual in question.

The value of the vouchers you can receive will be confirmed upon application and will be delivered as soon as they have proof of your identity and confirmation that the policy has been active for 6 months.

You will receive an email from BusinessCoverExpert.com within 30 days from the 6th premium payment via the email address you provided to us. The email will have a link to an online claim form where you will have to fill out your details. The voucher will be sent within 28 days of the customer choosing the voucher. If the voucher is not received within 28 days please email info@businesscoverexpert.com with your full name, address and contact details.

The incentive is subject to maintaining premiums for 24 months. Therefore there will be a contractual obligation to maintain your premiums for this period of time. If a policy is cancelled before this period and you have received the chosen incentive, you are liable to pay this back to BusinessCoverExpert.com.

If the monthly premium has been price matched by your advisor you will not be entitled to the incentive. Please check with your advisor who will be able to confirm.

Vouchers are also subject to your adviser's terms and conditions of business and individual advisers may apply additional terms and conditions to the offer.

The voucher you select will be subject to the issuer’s own terms and conditions (which will be different from ours). It is very important that you read and understand these terms and conditions carefully.

You are under no obligation to take the voucher.

Reviews.co.uk Competition
The Reviews.co.uk monthly prize draw will start will re-start on the 1st of each calendar month and the closing time for the entries is 23:59 (GMT) at end of the last day of the month. Any entries made after the closing time will be included in the following month prize draw. The winner will be chosen randomly and announced on or around the 5th of the following month in our newsletter and/or via social media and the winner of prize draw will be notified by email within 28 working days from the draw date. Only one entry per person and repeat entries in different months will not be valid. If there are no valid reviews or entries in a particular month, there will be no winner selected or announced.

In addition to the specific competition terms and conditions outlined above, all the competitions on BusinessCoverExpert.com are subject to these terms and conditions:

  • The competition is open for only UK residents over 18 and only one entry will be accepted per individual.
  • By submitting an entry, you have agreed that it might be published on our social media pages, website and newsletter.
  • The prize is non-transferable and there is no cash alternative available.
  • BusinessCoverExpert.com retain the right to alter the terms of this competition at any time.
  • Entry into the competition is deemed acceptance of these terms and conditions.
  • Only one entry per person and repeat entries in different months will not be valid.

Newsletter November 2018 Offer

To be eligible for four times your monthly premium in vouchers as stated in the November Newsletter from BusinessCoverExpert.com you must purchase a new Business Life Insurance, Critical Illness or Private Medical Insurance policy through BusinessCoverExpert.com or through one of our carefully selected partners via a referral through us.

This deal is only eligible for new policies and cannot be redeemed on any current policy held through us.

The value of the vouchers that you qualify for is based directly on the value of your monthly premium and the term of the policy. For details of eligibility for vouchers, please refer to the top of this gift offer and competition terms.

In order to qualify for four months worth of your premium, instead of the normal two months, you will need to take out a new policy and then leave us a review at our company profile page on reviews.co.uk. An email will be sent to claim your vouchers once you have paid your sixth monthly premium. If the monthly premium has been price matched by your advisor you will not be entitled to the incentive. Please check with your advisor who will be able to confirm.
One only voucher will be issued per policy and per individually named person.

This offer does not include the Amazon Kindle or iPad Mini that may be offered with some policies.
This offer will end on 14th December 2018 at 23:59 (GMT).

Referral Scheme

Business Cover Expert’s referral scheme is open to any existing customer, who is a UK resident and over 18. To be eligible for £100 referral vouchers you must provide the contact details of a friend, relative or colleague who may be interested in purchasing a Life Insurance, Critical Illness or Private Medical Insurance Policy. Your referral must not be an existing customer with Business Cover Expert or our associated 3rd party partners.

You will receive your vouchers after their 3rd premium payment has been paid and the policy is still active. You will be contacted by Business Cover Expert via email when you are eligible to receive your vouchers.

Business Cover Expert reserve the right to withdraw this offer at any time, however those recommended prior to the offer being withdrawn will still be eligible to take part.

BusinessCoverExpert.com does not accept any responsibility or liability under or in connection with these terms and conditions (including without limitation as a result of technical fault, computer or electronic malfunction, or incomplete, illegible, lost or fraudulent entries).

BusinessCoverExpert.com reserves the right to cancel or modify these terms and conditions at any time and at its sole discretion.

If any paragraph in these terms and conditions is found by any court or administrative body of competent jurisdiction to be invalid or unenforceable, such invalidity or unenforceability shall not affect the other paragraphs of these terms and conditions, which shall remain in full force and effect. Amazon, Apple and other gift/competition providers are not a sponsor of this promotion. The gift vouchers may be redeemed on the voucher retailer website towards the purchase of eligible products. The vouchers cannot be reloaded, resold, transferred for value, redeemed for cash or applied to any other account.

These gift offer terms were last updated on the 30th November 2018.