Blythin & Brown Prize & Price Match T&C's

Blythin & Brown Prize Draw – Terms and Conditions

1. Eligibility:

• The prize draw is open to all individuals, whether they attend the BBSA event or not.
• The draw is open from 20th October 2024 to 29th October 2024.
• Automatically qualify for our commercial insurance offer

2. How to Enter:
   Participants can enter the prize draw through the following methods:

• Hole-in-One Entry (Event Attendees Only): Any person who scores a hole-in-one at Blythin & Brown’s Golf Competition during the BBSA event at Stand S22 will receive 1 entry into the prize draw.
• Schedule of Cover Submission: Submit a valid Schedule of Cover (either in person at the event or via email) to receive 3 entries into the prize draw.
  • How to Submit: Submit your Schedule of Cover at Stand S22 during the event or email it to rpicton@blythinandbrown.co.uk.
• Relevant Life Insurance Quote Request: Request a Relevant Life Insurance quote from Blythin & Brown Corporate Solutions Ltd to receive 3 entries into the prize draw.
  • How to Request: Request the quote at Stand S22 or via email to rpicton@blythinandbrown.co.uk.
• Business Insurance Renewal Month Submission: Provide the renewal month of your business insurance policy to receive 1 entry into the prize draw.
  • How to Submit: Provide your renewal month at the event or email it to rpicton@blythinandbrown.co.uk.

3. Maximum Entries:

• Each participant can receive a maximum of 7 entries in total:
  • 1 entry for a hole-in-one (event attendees only),
  • 3 entries for submitting a Schedule of Cover,
  • 3 entries for requesting a Relevant Life Insurance quote,
  • 1 entry for providing your business insurance renewal month.

4. Submission Deadline:

• All entries, whether submitted at the event or via email, must be received by 29th October 2024 to be eligible for the prize draw.

5. Prize Details:

• 1st Prize: £200 Amazon voucher.
• 2nd Prize: £100 Amazon voucher.
• 3rd Prize: £50 Amazon voucher.

6. Prize Draw Date:

• The prize draw will take place Nov 6th 2024 via an online tournament draw system.
• Winners will be randomly selected from all eligible entries.

7. Notification of Winners:

• Winners will be notified by email in November 2024.
• Prizes will be sent directly to the winners within 10 business days after the draw.

8. General Terms:

• Blythin & Brown reserves the right to verify the eligibility of all entries.
• Participants can only receive a maximum of 7 entries, regardless of how many methods of entry they engage with.
• Blythin & Brown’s decision regarding any aspect of the prize draw is final and binding.
• The competition is subject to change or cancellation at the discretion of Blythin & Brown.

Blythin & Brown Price Match Offer – Terms and Conditions

1. Eligibility for Price Match

• This price match offer is available to both new and existing commercial customers of Blythin & Brown Insurance Brokers Limited.
• The offer applies to insurance policies due for renewal between 1st March 2023 and 28th February 2024 (2023-2024 renewal period).
• Customers must provide proof of their existing insurance policy and premium for the 2023-2024 period, which can include the policy’s Schedule of Cover or Renewal Notice.

2. Price Match Criteria

• Blythin & Brown will match the premium amount of the customer’s existing 2023-2024 insurance policy on a like-for-like basis. This means the cover and terms offered must be identical to those of the existing policy.
• A discount may be offered on the matched premium for BBSA members who qualify for the % discount.
• Like-for-like basis refers to matching the level of coverage, excesses, exclusions, and any specific terms, conditions, or warranties in the policy.
• If the customer requests increased or additional cover (beyond what is outlined in the existing policy), additional premiums may apply.

3. Additional Premiums for Increased Cover

• If there is a change in circumstances, risk profile, or if the customer requires additional or increased coverage compared to their 2023-2024 policy, Blythin & Brown reserves the right to charge an additional premium.
• Such changes may include (but are not limited to) requests for higher indemnity limits, expanded geographical cover, or additional coverage not included in the previous policy.
• The customer will be informed of any additional premiums in advance and provided with a revised quotation before accepting the updated policy.

4. Submission Process for Price Match

• To qualify for the price match offer, customers must submit their 2023-2024 Renewal Notice or Schedule of Cover to Blythin & Brown before or during the renewal process for the upcoming year.
• Submissions can be made via email to rpicton@blythinandbrown.co.uk or in person at Blythin & Brown offices or stands at relevant events.
• The price match offer must be requested before the start of the new policy period. No retroactive price matches will be allowed once the new policy period begins.

5. FCA Compliance and Customer Suitability

• As an FCA-regulated business, Blythin & Brown Insurance Brokers Limited ensures that all policies offered, including those under the price match guarantee, are suitable for the customer’s needs.
• Before confirming the price match, a suitability assessment will be conducted to ensure the proposed insurance policy is appropriate for the client’s individual circumstances and risk profile. If the policy is not suitable, Blythin & Brown will discuss alternative options.
• Blythin & Brown will provide customers with all relevant documentation as required by the Insurance Distribution Directive (IDD), ensuring customers fully understand the cover offered, including any limitations or exclusions.

6. No Obligation to Accept Price Match

• Customers are under no obligation to accept the price match offer provided by Blythin & Brown.
• If the customer chooses not to accept the price match or if the cover offered is not suitable for their needs, Blythin & Brown will not proceed with any policy changes, and there will be no fees for obtaining the price match quote.

7. Exclusions

• This offer is limited to commercial insurance policies and does not apply to personal insurance products.
• This offer cannot be combined with any other discounts or offers unless expressly stated by Blythin & Brown.
• Price matching does not apply to policies where the customer’s existing insurer has offered a one-time discount or special arrangement as part of a promotional or retention offer that does not reflect the standard premium.

8. Documentation and Record Keeping

• Blythin & Brown Insurance Brokers Limited will keep accurate records of all price match offers, including customer submissions, renewal notices, and quotes provided.
• These records will be maintained in accordance with the FCA’s Principles for Businesses, ensuring transparency, fairness, and accountability in all dealings with customers.

9. Complaints and Dispute Resolution

• If a customer has a complaint regarding the price match process or the outcome of their price match request, they are entitled to lodge a complaint in accordance with Blythin & Brown’s Complaints Procedure.
• Blythin & Brown is committed to resolving complaints in a fair and timely manner. If a satisfactory resolution cannot be reached, customers may escalate their complaint to the Financial Ombudsman Service.

10. Regulatory Information

• Blythin & Brown Insurance Brokers Limited is authorized and regulated by the Financial Conduct Authority (FCA), Firm Reference Number: 301664.
• Customers can verify this information by visiting the FCA website or by contacting the FCA directly.