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Terms & Conditions

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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. If you have any questions or you would like to find out more about this notice you can write to us at: UIA (Insurance) Ltd, Kings Court, London Road, Stevenage, Hertfordshire, SG1 2TP, or telephone 01438 761 761.

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 FCA 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 Services is a trading name of UIA (Insurance Services) Ltd. UIA (Insurance Services) Ltd is a Company registered in England and Wales under Companies Act 2006 (Registration Number 02998952). UIA (Insurance Services) Ltd is authorised and regulated by the Financial Conduct Authority (FRN 307925). Principal and Registered Office Address in England at Kings Court, London Road, Stevenage, Hertfordshire, SG1 2TP. The policy is administered by Adrian Flux Insurance Services. Adrian Flux Insurance Services is authorised and regulated by the Financial Conduct Authority (FRN 307071).

UIA Travel Insurance taken out or renewed on or after 1st November 2021 is arranged and administered by ROCK Insurance Services Limited Company number 04255878. Rock Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (FCA No. 300317). 

Rock insurance is underwritten by `Euroins’ AD authorised and regulated by the Bulgarian Financial Supervision Commission. Deemed authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website.   

UIA Mutual Travel Insurance taken out or renewed before 31st October 2021 is arranged and administered by AllClear Insurance Services Limited. AllClear Insurance Services Limited is 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 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 Mutual gadget insurance is arranged by Bastion Insurance Services Ltd, an insurance intermediary authorised and regulated by the Financial Conduct Authority in the UK under registration number 650727. You can visit the Financial Conduct Authority website, which includes a register of all regulated firms, at www.fca.org.uk/firms/systems-reporting/register

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

GFTU
86 Wood Lane
Quorn
Loughborough
LE12 8DB

Offer Terms and Conditions

Prize Draws and Competitions - Terms and Conditions

£20 M&S Gift Card (single Buildings or Contents Insurance) & £40 M&S Gift Card (combined Buildings and Contents Insurance) Usdaw Arena Advert - Terms and Conditions (15th October 2021 until 31st December 2021)

  • This offer is open to new policyholders only
  • To be eligible for this offer, you must have purchased a Home Insurance policy from us via telephone quoting the offer code ‘arena421’ by 31st December 2021
  • All Home Insurance policies purchased via telephone quoting the offer code ‘arena421’ during the qualifying period stated above will automatically receive 1 x £20 M&S gift card for Buildings or Contents Insurance or 1 x £40 M&S gift card for combined Buildings and Contents Insurance
  • The offer is limited to one M&S gift card per household, no alternative is available
  • The offer is not open to employees of UIA (Insurance) Ltd and UIA (Call Centres) Ltd, their agents or families
  • This offer may not be combined with any other offer or promotion
  • In order to prevent fraud and to comply with anti-money laundering regulations, we may ask for proof of identification before fulfilling the offer
  • We will cancel any policy and/or offer should we discover or have reasonable suspicion that the terms of the offer are being abused
  • The offer is not transferable
  • The gift card will normally be fulfilled up to 60 days after policy start date
  • M&S FAQs

Any queries relating to this should be sent to the Marketing Department, UIA (Insurance) Ltd, Kings Court, London Rd, Stevenage SG1 2TP.

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

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

Win £300 to spend at B&Q Prize Draw (UNISON & GMB Mail pack, RMT email) - Terms and Conditions (1st November 2021 until 1st May 2022)

  • To be eligible for this draw, you must have received a UNISON or GMB mail pack, RMT email and purchased a Home Insurance policy from us by 1st May 2022
  • All policies purchased online will be automatically 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 31st May 2022 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 a stamped address envelope, no later than 1st May 2022 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.

Home Insurance Buying Behaviours Survey - Autumn 2021 Terms and Conditions for the Prize Draw for a Portal from Facebook (Closes 15th October 2021)

  • To be eligible for this draw you must be a member of one of our Union Partners and complete our online survey - no purchase is necessary
  • The closing date for this prize draw is 11.45pm on 15th October 2021
  • 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 draw is for a Portal from Facebook
  • The winner of the draw will be selected at random on 18th October 2021 and notified by email within 2 working days
  • The winner may be asked to participate in promotional publicity relating to this promotion
  • For details of the winner, please send a stamped address envelope, no later than 30th October 2021 to: ‘Home Insurance Buying Behaviours 2 Prize Draw, 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 a ‘DeWalt Cordless Combi Drill’ Prize Draw Member Newsletter - Terms and Conditions (19th August 2021 until 30th September 2021)

  • To be eligible for this draw, you must enter by 11.45pm on 30th September 2021
  • 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 DeWalt Cordless Combi Drill and DeWalt 100-piece mixed drill bit set, no alternative prize is available
  • The winner of the draw will be selected at random on 4th October 2021 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 a stamped address envelope, no later than 20th October 2021 to: DeWalt Cordless Combi Drill 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

UNITE– July 2021 Deal “Win an ULTIMATE EARS Wonderboom Portable Speaker” Terms and Conditions (28th July 2021 until 31st August 2021)

  • This prize draw is not open to existing UIA policyholders
  • The closing date for this prize draw is 23:45 on 31st August 2021
  • 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 an ULTIMATE EARS Wonderboom Portable Speaker (subject to availability), no alternative prize is available
  • The winner of the draw will be selected at random on 1st September and notified by telephone and / or email within 7 days
  • The winner may be asked to participate in promotional publicity relating to this promotion
  • For details of the winner, please send a stamped address envelope, no later than 30th September 2021 to: UNITE – July 2021 – ULTIMATE EARS Wonderboom Portable Speaker Prize Draw, 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.

£20 M&S E-Gift Card (Usdaw Arena Advert) - Terms and Conditions (1st September 2021 until 12th November 2021)

  • This offer is open to new policyholders only
  • To be eligible for this offer, you must have purchased a Home Insurance policy from us via telephone quoting the offer code ‘arena321’ by 12th November 2021
  • All Home Insurance policies purchased via telephone quoting the offer code ‘arena321’ during the qualifying period stated above will automatically receive 1 x £20 M&S E-Gift Card
  • The offer is limited to one £20 M&S E-Gift card per household, no alternative is available
  • The offer is not open to employees of UIA (Insurance) Ltd and UIA (Call Centres) Ltd, their agents or families
  • This offer may not be combined with any other offer or promotion
  • In order to prevent fraud and to comply with anti-money laundering regulations, we may ask for proof of identification before fulfilling the offer
  • We will cancel any policy and/or offer should we discover or have reasonable suspicion that the terms of the offer are being abused
  • The offer is not transferable
  • The E-Gift Card will normally be fulfilled up to 28 days after policy start date
  • M&S FAQs

Any queries relating to this should be sent to the Marketing Department, UIA (Insurance) Ltd, Kings Court, London Rd, Stevenage SG1 2TP.

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

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

Win ‘Apple AirPods with Charging Case’ Affinity Blog Readership Prize Draw - Terms and Conditions (1st June 2021 until 30th September 2021)

  • To be eligible for this draw you must be a UIA policyholder and complete our “Affinity Blog Readership Survey” before the closing date.
  • The closing date for entries is 11.45pm on 30th September 2021
  • 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 pair of 2019 Apple AirPods with charging case, no alternative prize is available
  • The winner of the draw will be selected at random on 4th October 2021 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 a stamped address envelope, no later than 4th October 2021 to: Affinity Blog Readership 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 a Humax Smart Android Freeview Play TV Recorder worth £279 Prize Draw (UNISON, Unite & GMB Mail pack, RMT email) - Terms and Conditions (1st April 2021 until 12th November 2021)

  • To be eligible for this draw, you must have received a UNISON, Unite, or GMB mail pack, RMT email and purchased a Home Insurance policy from us by 12th November 2021
  • All policies purchased online will be automatically 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 Humax Smart Android Freeview Play TV Recorder worth £279, no alternative prize is available
  • The winner of the draw will be selected at random on 30th November 2021 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 a stamped address envelope, no later than 30th November 2021 to: Win a Humax Smart Android Freeview Play TV Recorder 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 a Samsung Bluetooth Soundbar worth £349 Prize Draw (UNISON, Unite & GMB Mail pack, RMT email) - Terms and Conditions (1st April 2021 until 12th November 2021)

  • To be eligible for this draw, you must have received a UNISON, Unite, or GMB mail pack, RMT email and purchased a Home Insurance policy from us by 12th November 2021
  • All policies purchased online will be automatically 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 Samsung Bluetooth Soundbar worth £349, no alternative prize is available
  • The winner of the draw will be selected at random on 30th November 2021 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 a stamped address envelope, no later than 30th November 2021 to: Win a Samsung Bluetooth Soundbar 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, RMT email) - Terms and Conditions (1st April 2021 until 12th November 2021)

  • To be eligible for this draw, you must have received a UNISON, Unite, or GMB mail pack, RMT email and purchased a Home Insurance policy from us by 12th November 2021
  • All policies purchased online will be automatically 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 30th November 2021 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 a stamped address envelope, no later than 30th November 2021 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.

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.

Promotions - Terms and Conditions

Recommend a Friend - Member get Member Promotion - £40 M&S Voucher

  • To qualify for a £40 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 9.00am - 6.00pm 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 £40 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.

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 on 12th January 2021.