Thank You Bonus Terms & Conditions

Full Terms & Conditions

• These terms and conditions form part of your buildings and contents home insurance policy conditions underwritten by us, St Andrew's Insurance plc.  If there is a difference between the two, these terms and conditions will apply.
• These terms and conditions set out all the rights and obligations that apply to the Thank You Bonus (the "Offer").  Please note that we do not provide the Offer in conjunction with any other offer.
• Subject to the terms and conditions set out below, under the Offer we will pay you £50 when you are first accepted for both buildings and contents cover under a home insurance policy and £50 each time you renew that policy.
• The Offer is available to new applicants for buildings and contents cover under a home insurance policy.
• The Offer only applies to home insurance policies which include both buildings and contents cover.
• You can qualify for the Offer only once regardless of the number of home insurance policies you have with us.
• If you apply for or renew a policy under the Offer with another person, we will make only one payment to the first named policyholder.
• Any application for a policy under the Offer and any policy issued under the Offer will be subject to our normal underwriting rules.
• If the Offer has been withdrawn but a quotation for a buildings and contents home insurance policy was provided before the Offer was withdrawn, then the Offer will apply to a policy issued as a direct result of that quotation provided that no material changes were made to the material facts on which that quotation was based after the Offer finished.
• If either your buildings or contents cover under your policy is cancelled during an insurance period so that only one cover continues under your policy, or if your policy is cancelled altogether, the Offer will end at the next renewal date.  You will not be entitled to any further payments under the Offer for any subsequent insurance period.  If you cancel either your buildings or contents cover or your policy as a whole within 60 days of the policy start date for a new policy or the renewal date for an existing policy, the £50 cashback will not be payable for that insurance period.  If you cancel either your buildings or contents cover or your policy as a whole after 60 days, we may recover the £50 cashback paid within that insurance period on a proportionate basis.
• If you move home, we will cancel your policy. We will offer you a new policy using our normal underwriting rules and take into account any offers available at that time (including the Offer, if it is still available).
• If we are required to pay a claim under your policy, the Offer will end at the next renewal date.  You will not be entitled to any further payments under the Offer for any subsequent insurance period.  We will not seek to recover any payment already made under the Offer. However, if you make a claim under home emergency cover or legal expenses cover, this will not affect your rights under the Offer.
• If we cancel your policy for any reason (unless you are moving home), you will not be able to rejoin the Offer.
• Optional cover such as home emergency cover can be added or removed without affecting your rights under this Offer.
• Each £50 cashback will be issued no sooner than 60 days after the policy start date for a new policy or the renewal date for an existing policy.
• This Offer does not affect our ability to change the terms and conditions of your policy (including any excesses or limits of cover) on renewal to reflect changes in our claims experience.
• £50 cashback offer only available online and over the phone

Please keep these Terms and Conditions with your Policy Booklet for future reference.