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Terms & Conditions

Use of this Website (the Site) is subject to the Conditions of Use and Privacy Policy Statement that appear below; please read them carefully. By accessing the Site you are agreeing to these terms. If you do not agree to these terms, please leave the site immediately.

Principal & Registered Office: Kings Court, London Road, Stevenage, Herts SG1 2TP. 

UIA (Insurance) Ltd is a member of the Association of British Insurers and is registered under the Industrial and Provident Societies Act - No. 2898R. Principal Office in England at the address above. UIA (Insurance Services) Ltd is registered under the Companies Act - No. 2998952. Registered Office in England at the address above. CWU Insurance, Unison Insurance, Unite Insurance, BFAWU Insurance, Napo Insurance, Ramblers Insurance, RMT Insurance and Usdaw Insurance are trading names of UIA (Insurance) Ltd and UIA (Insurance Services) Ltd. UNISON, Unite, GMB, CWU, NASUWT, Usdaw, Ramblers' Association, BFAWU, NAPO, RMT and FBU, are Introducer Appointed Representatives of UIA (Insurance) Ltd and UIA (Insurance Services) Ltd.  UIA (Insurance) Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. UIA (Insurance Services) Ltd is authorised and regulated by the Financial Conduct Authority. Our Financial Services Registration numbers are 110863 and 307925.
Click here to check our entries. 

Conditions of use 

Access to the site
The information on the Site is directed solely to residents of Great Britain and Northern Ireland. 

Ownership of the site
All information on the Site, including all trademarks, service marks and trade names, is owned by UIA (Insurance) Ltd and subsidiary companies or its licensors. No licence, assignment or permission is granted by this site to use any such mark or trade name. 

Except as expressly provided for below, you may not reproduce, modify or in any way use any of the information on the Site. 

You may retrieve and display, print and store the information in electronic form on disk solely for your own personal use. 

Product information
The descriptions of products offered by UIA contained in the Site are for information purposes only, and do not constitute a full description of the terms of those products. Full details of the terms applicable to each of our products are available on request. 

Fraud Prevention and Claims History
In order to prevent and detect fraud we may at any time: 

  • Share information about you with other organisations and public bodies including the police
  • Check and/or file your details with fraud prevention agencies and databases, and if you give us false or inaccurate information and we suspect fraud, we will record this 

We and other organisations may also search these agencies and databases to: 

  • Help make decisions about the provision and administration of insurance, credit and related services for you and members of your household
  • Trace debtors or beneficiaries, recover debt, prevent fraud and to manage your accounts or insurance polices
  • Check your identity to prevent money laundering, unless you furnish us with other satisfactory proof of identity
  • Undertake credit searches and additional fraud searches 

We can supply on request further details of the database we access or contribute to. 

Claims history 

  • Under the conditions of your policy you must tell us about any Insurance related incidents (such as fire, water damage, theft or an accident) whether or not they give rise to a claim. When you tell us about an incident we will pass information to CUE (Claims and Underwriting Exchange) where it will be recorded on a national database
  • We may search these databases when you apply for insurance, in the event of any incident or claim, or at time of renewal to validate your claims history or that of any other person or property likely to be involved in the policy or claim 

You are entitled to receive a copy of the information we hold about you for a small fee. If you have any questions or you would like to find out more about this notice you can write to the Data Protection Officer at the address below or telephone 01438 761 761

Data Protection Officer UIA (Insurance) Ltd Kings Court London Road Stevenage Hertfordshire SG1 2TP 

Exclusions and limitations
We do not give warranties of any kind in respect of the Site or its contents. 

We will not be liable for damages arising out of or in connection with the use of the Site or the information in it. This limitation of liability applies to all damages of any kind including (but not exclusively) compensatory, direct or consequential losses caused by or arising from loss of income or profit and loss of or damage to property. 

For the avoidance of doubt, liability for death or personal injury resulting from the negligence of UIA, its directors, employees or agents is not excluded. In addition, nothing in these Conditions of Use seeks to exclude any liability we have under the FSA Rules. 

We give no warranty that the Site and content are free from viruses or anything else that has contaminating or destructive properties. 

Alterations
We may from time to time revise the contents of the Site including these Conditions of Use. By using the Site, you agree now to be bound by the Conditions of Use in force at the time you use the Site. 

We recommend you regularly revisit this page to ensure you have seen and are aware of our latest terms. 

Links
Any links to other World Wide Web sites contained within the Site are included solely for convenience; there is no implied endorsement by us of sites provided by independent third parties. We are not responsible for the availability, content, accuracy or completeness of such sites. UIA does not take any responsibility for the content, accuracy or completeness of web sites that link to UIA's Site. 

Choice of law and jurisdiction
The Conditions of Use and Privacy Policy Statement set out above shall be governed by, and construed in accordance with English law and the courts of England shall have exclusive jurisdiction in any dispute connected with them. 

Contact details
UIA (Insurance) Ltd & UIA (Insurance Services) Ltd
Kings Court
London Road
Stevenage
Hertfordshire
SG1 2TP 

Telephone and email
Telephone: +44 (0)1438 761761
Email: info@uia.co.uk 

For quality and protection, your call will be recorded. We exchange information with other insurance companies and the police to prevent fraud. 

UIA - Third Party Providers
UIA Motor Insurance is arranged and administered by Autonet Insurance Services Ltd. Registered in England No. 3642372, Registered Office, Nile Street, Burslem, Stoke-On-Trent, ST6 2BA, United Kingdom. Authorised and Regulated by the Financial Conduct Authority under firm reference number 308213, you can check this on the Financial Services Register by visiting the FCAs website www.fca.org.uk or by contacting the FCA on 0800 111 6798. Autonet Insurance Group is a trading name of Autonet Insurance Services Ltd. 

UIA Mutual Travel Insurance is arranged and administered by AllClear Insurance Services Limited, registered in England No. 4255112. Registered Office: AllClear House, 1 Redwing Court, Ashton Road, Romford, RM3 8QQ. Authorised and Regulated by the Financial Conduct Authority firm reference number 311244. AllClear is a registered trade mark. 

UIA Pet Insurance is arranged and administered by Petwise, which is a trading name of Ultimate Insurance Solutions Limited. Ultimate Insurance Solutions Limited are authorised and regulated by the Financial Conduct Authority (No. 311368).  Registered in England and Wales Number 3299891.  Registered office: 45 Westerham Road, Bessels Green, Sevenoaks, Kent, TN13 2QB.  Pet insurance will be underwritten by Zenith Insurance plc, registered in Gibraltar (No. 84085) with registered office address at 846-848 Europort, Gibraltar  and authorised by the Gibraltar Financial Services Commission and subject to a limited regulation by the Financial Conduct Authority and Prudential Regulation Authority in respect of underwriting business in the UK (register number: 211787). You can check this by visiting the Financial Services Register at www.fca.org.uk/register or contacting the Financial Conduct Authority on 0800 111 6798.

Home Emergency Cover is administered by ARAG plc on our behalf. ARAG plc is authorised and regulated by the Financial Conduct Authority, registration number 452369. This can be checked by visiting the FCA website at https://register.fca.org.uk/  

Legal Protection and Identity Theft Protection is administered by ARAG plc on our behalf. ARAG plc is authorised and regulated by the Financial Conduct Authority, registration number 452369. This can be checked by visiting the FCA website at https://register.fca.org.uk/ 

UIA affinity partners main office contact details 

UNISON
UNISON Centre
130 Euston Road
London
NW1 2AY 

Unite
35 King Street
Covent Garden
London
WC2E 8JG 

GMB
GMB National Office
22 Stephenson Way
Euston
NW1 2HD 

CWU
150 The Broadway
Wimbledon
SW19 1RX 

NASUWT
Hillscourt Education Centre
Rose Hill
Rednal
Birmingham
B45 8RS 

Usdaw
188 Wilmslow Road
Manchester
M14 6LJ 

Ramblers' Association
2nd Floor
Camelford House
87-90 Albert Embankment
London SE1 7TW 

Bakers, Food & Allied Workers' Union
Stanborough House
Great North Road
Stanborough
Welwyn Garden City
AL8 7TA 

Napo
4 Chivalry Road
London
SW11 1HT 

RMT
Unity House
39 Chalton Street
London
NW1 1JD 

FBU
Bradley House
68 Coombe Road
Kingston upon Thames
Surrey
KT2 7AE 

Offer Terms and Conditions  

£50 Love2shop Reward - Terms and Conditions (29th March 2017 until 31st March 2018) 

  • To be eligible for this Promotion, you need to purchase a new Combined Home Insurance policy (excludes Contents only & Buildings only), and be accepted by us.
  • This promotion is not available to customers who purchase their insurance offline – i.e. over the telephone or by any means other than online through our website – or customers who are renewing a policy.
  • This promotion is only available to domestic customers (not business customers) who are resident in Great Britain or Northern Ireland, and who are not employees of UIA (Insurance) Limited.
  • Only one reward per customer.
  • All transactions must be validated by us before the reward can be issued.
  • Policyholders must retain their policy for 90 days (“Qualifying Period”) before being eligible for the reward.
  • Policyholders will receive their online reward within 45 days of completion of the Qualifying period.
  • We are unable to respond to queries about non-receipt of the reward claim email until 90 days after the policy purchase date.
  • We reserve the right to replace the reward with another reward of equivalent value at any time during the promotion in the event the original reward offered is not available.
  • If you believe you are eligible for a reward but have not received one, we will investigate your claim provided we receive your enquiry within 60 days of the promotion closure date, which will be determined by us as per the Terms & Conditions. In this case it may take longer to issue you with a reward.
  • If you have any queries with regard to the Reward and/or this Promotion, please contact the rewards customer services team using this enquiry form.
  • Please note this promotion is being monitored. We reserve the right to suspend or cancel transactions suspected of being fraudulent and such customers may have their details passed to the relevant authorities for further investigation.
  • We accept no liability for lost entries and no responsibility for difficulties experienced in submitting an entry to this promotion, including any technical, hardware or software failures of any kind or lost or unavailable network connections which may limit or prohibit an ability to participate in the promotion.
  • To the maximum extent permitted by law, we accept no liability for any loss, damage and/or personal injury suffered by participating in this promotion and/or arising out of the enjoyment of the reward.
  • This promotion is not available for use in conjunction with any other promotion. During the period that these Terms & Conditions apply, we reserve the right to alter, amend or terminate the promotion at any stage without prior notice. This promotion is administered by Optimise Media (UK) Limited on behalf of UIA Insurance Limited.

Prize Draws and Competitions - Terms and Conditions 

Member Survey - £100 M&S Gift Card Prize Draw - Terms and Conditions (14th May 2018 until 6th July 2018) 

  • To be eligible for this draw, you must have submitted your response to our 2018 Member Survey by 6th July 2018
  • All survey participants will automatically be entered into this prize draw
  • The draw is not open to employees of UIA (Insurance) Ltd and UIA (Call Centres) Ltd, their agents or families
  • The prize is a £100 M&S gift card, no alternative prize is available.
  • The winner of the draw will be selected at random on 13th July 2018 and notified in writing within 7 days
  • The winner may be asked to participate in promotional publicity relating to this promotion
  • For details of the winners, please send an stamped address envelope, no later than 31st July 2018 to: Member Survey - £100 M&S Gift Card Prize Draw, Marketing Dept., UIA (Insurance) Ltd, Kings Court, London Rd, Stevenage SG1 2TP.

Any queries relating to this should be sent to the Marketing Department at the above address. The winner may be asked to participate in promotional publicity relating to this promotion.

UIA (Insurance) Ltd reserves the right in its reasonable discretion to substitute any prize with an alternative prize of equal value.

UIA (Insurance) Ltd reserves the right to amend the prize draw terms and conditions and to withdraw the prize at any time.

Win £300 to spend at B&Q Prize Draw (UNISON, Unite & GMB Mail pack) - Terms and Conditions (26th March 2018 until 26th September 2018) 

  • To be eligible for this draw, you must have received a UNISON, Unite, or GMB mail pack and purchased a Home Insurance policy from us by 26th September 2018
  • All policies purchased online will be automatically be entered into this prize draw without the need to enter a promotional code online
  • One entry is permitted per household. The draw is not open to employees of UIA (Insurance) Ltd and UIA (Call Centres) Ltd, their agents or families
  • The prize is a £300 B&Q gift card, no alternative prize is available
  • The winner of the draw will be selected at random on 12th November 2018 and notified in writing within 7 days
  • The winner may be asked to participate in promotional publicity relating to this promotion
  • For details of the winners, please send an stamped address envelope, no later than 19th November 2018 to: Win £300 to spend at B&Q prize draw, Marketing Dept., UIA (Insurance) Ltd, Kings Court, London Rd, Stevenage SG1 2TP.

Any queries relating to this should be sent to the Marketing Department at the above address. The winner may be asked to participate in promotional publicity relating to this promotion.

UIA (Insurance) Ltd reserves the right in its reasonable discretion to substitute any prize with an alternative prize of equal value.

UIA (Insurance) Ltd reserves the right to amend the prize draw terms and conditions and to withdraw the prize at any time. 

May Prize Draw "Win an INSTAX WIDE 300 Instant Camera Wedding Bundle " - Terms and Conditions (23rd May 2018 until 3rd June 2018)

  • To be eligible for this draw you must enter your UIA Mutual policy number in the space on the entry form before the closing date
  • The closing date for entries is 4 June 2018 at 23:59
  • One entry is permitted per household. The draw is not open to employees of UIA (Insurance) Ltd and UIA (Call Centres) Ltd, their agents or families
  • The prize is: one (1) INSTAX WIDE 300 Instant Camera Wedding Bundle
  • All prizes have a zero cash value, no alternative prizes are available and cannot be transferred
  • The winner of the draw will be selected at random on 11th June 2018 and notified by email or phone within 7 working days of the draw
  • The winner may be asked to participate in promotional publicity relating to this promotion

The Promoter will use each winner’s, and each entrant’s, personal details for the purpose of administering this Promotion. Please see our Privacy Policy on this page (www.uia.co.uk/cookies-and-privacy) for further details.

The winner agrees to allow the Promoter to use their name and likeness for advertising and publicity purposes without additional remuneration. The winner will take part in reasonable publicity and PR activity at Promoter’s request.

This Promotion, and any dispute or claim arising out of or in connection with (including the prize), shall be governed by and construed in accordance with English law. You irrevocably agree that the courts of England and Wales shall have exclusive jurisdiction to settle any dispute or claim that arises out of or in connection with this Promotion (including the prize).

The 'Promoter' is UIA (Insurance) Ltd, whose registered office is UIA (Insurance) Ltd, Kings Court, London Rd, Stevenage, SG1 2TP.

June Prize Draw "Win a new gas BBQ " - Terms and Conditions (12th June 2018 until 1st July 2018)

  • To be eligible for this draw you must enter your UIA Mutual policy number in the space on the entry form before the closing date
  • The closing date for entries is 1st July 2018 at 23:59
  • One entry is permitted per household. The draw is not open to employees of UIA (Insurance) Ltd and UIA (Call Centres) Ltd, their agents or families
  • The prize is: one (1) Outback gas BBQ
  • All prizes have a zero cash value, no alternative prizes are available and cannot be transferred
  • The winner of the draw will be selected at random on 9th July 2018 and notified by email or phone within 7 working days of the draw
  • The winner may be asked to participate in promotional publicity relating to this promotion

The Promoter will use each winner’s, and each entrant’s, personal details for the purpose of administering this Promotion. Please see our Privacy Policy on this page (www.uia.co.uk/cookies-and-privacy) for further details.

The winner agrees to allow the Promoter to use their name and likeness for advertising and publicity purposes without additional remuneration. The winner will take part in reasonable publicity and PR activity at Promoter’s request.

This Promotion, and any dispute or claim arising out of or in connection with (including the prize), shall be governed by and construed in accordance with English law. You irrevocably agree that the courts of England and Wales shall have exclusive jurisdiction to settle any dispute or claim that arises out of or in connection with this Promotion (including the prize).

The 'Promoter' is UIA (Insurance) Ltd, whose registered office is UIA (Insurance) Ltd, Kings Court, London Rd, Stevenage, SG1 2TP.

Feedback Questionnaire Monthly Prize Draw Marks and Spencer's Vouchers - Terms and Conditions  

  • This competition is open to anyone who completes our feedback questionnaire
  • Winners are selected randomly each month
  • Only one voucher is permitted per household, per entry
  • There are no alternatives to the Marks and Spencer's vouchers
  • Any queries regarding vouchers should be directed to the Marketing Department, UIA (Insurance) Ltd, Kings Court, London Rd, Stevenage, SG1 2TP or please call 01438 761776.

Any queries relating to this should be sent to the Marketing Department at the above address. The winner may be asked to participate in promotional publicity relating to this promotion.

UIA (Insurance) Ltd reserves the right in its reasonable discretion to substitute any prize with an alternative prize of equal value.

UIA (Insurance) Ltd reserves the right to amend the prize draw terms and conditions and to withdraw the prize at any time. 

Unite Insurance Advertising Competition – Terms and Conditions 

  • This competition is open to Unite branches
  • You can enter by sending your entry by email to info@uia.co.uk or alternatively post to: The Marketing Department at UIA (Insurance) Ltd, Kings court, London Rd, telling us: your name, your branch, branch address, email address and telephone number
  • The closing date for entries is 14 December 2018
  • No liability can be accepted for entries lost, delayed or damaged either entered on-line or posted.
  • The competition includes one prize of £300 cash
  • No alternative prizes are available.
  • The winners of the draw will be selected at random on 17 December 2018 and notified in writing within 7 days.
  • UIA's decision is final, no correspondence will be entered into
  • For details of the winner, please send an SAE, no later than 31 January 2019 to: Unite Insurance Advertising Competition Winner, Marketing Dept., UIA (Insurance) Ltd, Kings Court, London Rd, Stevenage SG1 2TP.

Any queries relating to this should be sent to the Marketing Department at the above address. The winner may be asked to participate in promotional publicity relating to this promotion. 

UIA (Insurance) Ltd reserves the right in its reasonable discretion to substitute any prize with an alternative prize of equal value. 

UIA (Insurance) Ltd reserves the right to amend the prize draw terms and conditions and to withdraw the prize at any time. 

UIA Insurance -  UNISON Advertising Competition -Terms and Conditions 

  • This competition is open to UNISON branches
  • You can enter by sending your entry by email to info@uia.co.uk or alternatively post to: The Marketing Department at UIA (Insurance) Ltd, Kings court, London Rd, telling us: your name, your branch, branch address, email address and telephone number
  • The closing date for entries is 14 December 2018
  • No liability can be accepted for entries lost, delayed or damaged either entered on-line or posted
  • The competition includes one prize of £500 cash and a second prize of £200 cash
  • No alternative prizes are available
  • The winners of the draw will be selected at random on the 17 December 2018 and notified in writing within 7 days
  • UIA's decision is final, no correspondence will be entered into.
  • For details of the winner, please send an SAE, no later than 31 January 2018 to: UIA Advertising Competition Winner, Marketing Dept., UIA (Insurance) Ltd, Kings Court, London Rd, Stevenage SG1 2TP 

Any queries relating to this should be sent to the Marketing Department at the above address. The winner may be asked to participate in promotional publicity relating to this promotion. 

UIA (Insurance) Ltd reserves the right in its reasonable discretion to substitute any prize with an alternative prize of equal value. 

UIA (Insurance) Ltd reserves the right to amend the prize draw terms and conditions and to withdraw the prize at any time. 

UNISON National Delegates Conference "Win an LG 43” Smart 4K Ultra HD TV - Terms and Conditions (Closes 17:00 on 20th June 2018)

  • To be eligible for this draw you must either complete a home insurance quote via the following URLs www.unisoninsurance.co.uk/UNDC or www.unisoninsurance.co.uk/pos before the closing date or if you’re an existing policyholder you can email us your name, postcode and a testimonial of your experience with UIA to info@uia.co.uk using the following subject line: UNDC
  • The closing date for entries is 20th June 2018 at 17:00
  • One entry is permitted per household. The draw is not open to employees of UIA (Insurance) Ltd and UIA (Call Centres) Ltd, their agents or families
  • The prize is: one (1) LG 43” Smart 4K Ultra HD TV
  • All prizes have a zero cash value, no alternative prizes are available and cannot be transferred
  • The winner of the draw will be selected at random on Friday 22nd June 2018 and notified by email or phone within 7 working days of the draw
  • The winner may be asked to participate in promotional publicity relating to this promotion

The Promoter will use each winner’s, and each entrant’s, personal details for the purpose of administering this Promotion. Please see our Privacy Policy on this page (www.uia.co.uk/cookies-and-privacy) for further details.

The winner agrees to allow the Promoter to use their name and likeness for advertising and publicity purposes without additional remuneration. The winner will take part in reasonable publicity and PR activity at Promoter’s request.

This Promotion, and any dispute or claim arising out of or in connection with (including the prize), shall be governed by and construed in accordance with English law. You irrevocably agree that the courts of England and Wales shall have exclusive jurisdiction to settle any dispute or claim that arises out of or in connection with this Promotion (including the prize).

The 'Promoter' is UIA (Insurance) Ltd, whose registered office is UIA (Insurance) Ltd, Kings Court, London Rd, Stevenage, SG1 2TP.

UNISON National Delegates Conference "Win a year’s free Home Insurance" - Terms and Conditions (Closes 21st June 2018 at 23:59)

  • To be eligible for this draw you must convert and purchase your UIA Home Insurance quote which you obtained during the UNISON National Delegates Conference (19th – 21st June 2018) before the closing date or if you’re an existing policyholder you can email us your name, postcode and a testimonial of your experience with UIA to info@uia.co.uk using the following subject line: UNDC
  • The closing date for entries is 21st June 2018 at 23:59
  • One entry is permitted per household. The draw is not open to employees of UIA (Insurance) Ltd and UIA (Call Centres) Ltd, their agents or families
  • The prize is: one (1) years free Home Insurance which will be reimbursed to you in October 2018
  • All prizes have a zero cash value, no alternative prizes are available and cannot be transferred
  • The winner of the draw will be selected at random on Monday 24th September 2018 and notified by email or phone within 7 working days of the draw
  • The winner may be asked to participate in promotional publicity relating to this promotion

The Promoter will use each winner’s, and each entrant’s, personal details for the purpose of administering this Promotion. Please see our Privacy Policy on this page (www.uia.co.uk/cookies-and-privacy) for further details.

The winner agrees to allow the Promoter to use their name and likeness for advertising and publicity purposes without additional remuneration. The winner will take part in reasonable publicity and PR activity at Promoter’s request.

This Promotion, and any dispute or claim arising out of or in connection with (including the prize), shall be governed by and construed in accordance with English law. You irrevocably agree that the courts of England and Wales shall have exclusive jurisdiction to settle any dispute or claim that arises out of or in connection with this Promotion (including the prize).

The 'Promoter' is UIA (Insurance) Ltd, whose registered office is UIA (Insurance) Ltd, Kings Court, London Rd, Stevenage, SG1 2TP.

Affinity Prize Draw "Win a £200 Sainsbury's Voucher" - Terms and Conditions (11th May 2018 until 31st December 2018)

  • To be eligible for this draw you must complete the survey form before the closing date
  • The closing date for entries is 31st December 2018
  • One entry is permitted per household. The draw is not open to employees of UIA (Insurance) Ltd and UIA (Call Centres) Ltd, their agents or families
  • The prize is: one (1) Sainsbury's voucher, worth £200
  • All prizes have a zero cash value, no alternative prizes are available and cannot be transferred
  • The winner of the draw will be selected at random on 14th January 2019 and notified by email or phone within 7 working days of the draw
  • The winner may be asked to participate in promotional publicity relating to this promotion

The Promoter will use each winner’s, and each entrant’s, personal details for the purpose of administering this Promotion. Please see our Privacy Policy on this page (www.uia.co.uk/cookies-and-privacy) for further details.

The winner agrees to allow the Promoter to use their name and likeness for advertising and publicity purposes without additional remuneration. The winner will take part in reasonable publicity and PR activity at Promoter’s request.

This Promotion, and any dispute or claim arising out of or in connection with (including the prize), shall be governed by and construed in accordance with English law. You irrevocably agree that the courts of England and Wales shall have exclusive jurisdiction to settle any dispute or claim that arises out of or in connection with this Promotion (including the prize).

The 'Promoter' is UIA (Insurance) Ltd, whose registered office is UIA (Insurance) Ltd, Kings Court, London Rd, Stevenage, SG1 2TP.

 

Promotions - Terms and Conditions

Recommend a Friend - Member get Member Promotion - £20 M&S Voucher 

  • To qualify for a £20 M&S voucher, you as the referrer must be a UIA Mutual Home Insurance customer and provide the friend you are recommending with your name, address, policy number and promotional code beginning with ‘MGM’ (you will have received your MGM code from us either by email or on a printed flyer)
  • Your friend must take out their new home insurance policy with us over the phone (subject to our usual acceptance and underwriting criteria), clearly stating your name, address, policy number and promotional code beginning with ‘MGM’ as the referrer to UIA Mutual. (Call centre lines open 8.30am-8pm Monday to Friday)
  • There is no limit on how many friends you can recommend
  • If for any reason we are unable to supply you with an M&S voucher, we will send you an alternative voucher to the same value
  • You and your friend will each receive a £20 M&S voucher 30 days from the date that UIA Mutual receives your friend’s full premium or 30 days after their first monthly direct debit is received
  • The vouchers will be sent directly to each of the correspondence addresses supplied
  • This promotion is not valid in conjunction with other Home Insurance promotions 

Any queries relating to this should be sent to the Marketing Department at the above address. The winner may be asked to participate in promotional publicity relating to this promotion. 

UIA (Insurance) Ltd reserves the right in its reasonable discretion to substitute any prize with an alternative prize of equal value. 

UIA (Insurance) Ltd reserves the right to amend these terms and conditions and to withdraw the prize at any time. 

Marks and Spencer's Incentive Vouchers Promotion - Terms and Conditions

  • To qualify for a £20 M&S voucher a policy must be taken out before the closing date stated. For a policy voucher please allow 30 days from the date that UIA receives your full premium or the first monthly direct debit for delivery
  • For a renewal voucher please allow 70 days from the date that UIA receives your full premium, or the first monthly direct debit following the renewed policy for delivery
  • Only one voucher is permitted per household, per offer
  • There are no alternatives to the Marks and Spencer's vouchers
  • The vouchers will be sent directly to the correspondence address supplied

Any queries relating to this should be sent to the Marketing Department at the above address. The winner may be asked to participate in promotional publicity relating to this promotion. 

UIA (Insurance) Ltd reserves the right in its reasonable discretion to substitute any prize with an alternative prize of equal value. 

UIA (Insurance) Ltd reserves the right to amend these terms and conditions and to withdraw the promotion at any time. 

Lowest Rates Ever on Home Insurance Promotion- Terms and Conditions

  • Lowest ever rates apply to Flexi and Signature Home Insurance products 

Up to 40% off Home Insurance Promotion - Terms and Conditions 

  • Up to 40% off Home Insurance is an introductory promotion and applies to new customers only for the first 12 months of the policy
  • Offer is subject to our usual acceptance and underwriting criteria
  • The maximum of 40% discount is available if you have not made a claim in the past five years (including claims which were not met).  The following discounts apply if you have not made a claim between one and four years (including claims which were not met): 4 years - 35%, 3 years - 25%, 2 years - 10% and 1 year - 5%.  Proof of no claims may be required
  • This quotation is based on the rate charged when you applied. As our prices are updated regularly this quote may be subject to change.
  • A minimum premium is applicable to this promotion
  • If electing to pay by direct debit, the premium will be split over 10 monthly instalments
  • This promotion is not available in conjunction with any other offer
  • UIA reserves the right to withdraw the discount given, if it is found that inaccurate or incomplete information was knowingly given by the customer when answering questions about the property or their circumstances at the start of the policy

Reimbursement of Switching Fees – Terms and Conditions

  • Should your Mortgage Company or current home insurance provider charge you for switching to UIA, we will reimburse for any reasonable costs up to £50.
  • In order to reimburse you, we will need documentation sent to us at: Kings Court, London Road, Stevenage, Herts SG1 2TP or emailed to us at sales@uia.co.uk.
  • The documentation must appear on company headed paper and relate to a specific cancellation fee that has been paid in full.
  • You will receive the refund 30 days from the date that UIA Mutual receives your full premium or 30 days after your first monthly direct debit is received.
  • Minimum premiums apply.
  • Offer is subject to our usual acceptance and underwriting criteria.
  • UIA reserves the right to withdraw the discount given if it is found that inaccurate or incomplete information was knowingly given by the customer when answering questions about the property or their circumstances at the start of the policy.

These terms and conditions were updated on this site in June 2018.

CWU, FBU, GMB, NASUWT, RMT, UNISON, UNITE, USDAW, Ramblers' Association, BFAWU, and NAPO are Introducer Appointed Representatives of UIA (Insurance) Ltd and UIA (Insurance Services) Ltd. UIA Mutual is a trading name of UIA (Insurance) Ltd. UIA (Insurance) Ltd is a member of the Association of British Insurers and is a registered society under the Co-operative and Community Benefit Societies Act 2014. UIA (Insurance) Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. CWU Insurance, Unite Insurance and Usdaw Insurance are trading names of UIA (Insurance) Ltd and UIA Insurance Services Ltd. Principal Office Address: Kings Court, London Road, Stevenage, Hertfordshire, SG1 2TP