Refer a Friend – Terms and Conditions

1.1 The Refer a Friend scheme (“the Scheme”) is open to customers who hold an active Care Plan with us at the time of referral (“Referrer”).

1.2 The person being referred (“Friend”) must be a genuinely new customer who has never previously held a Care Plan with us.

1.3 Employees, contractors, and immediate family members of employees are not eligible to participate as a Referrer or a Friend.

1.4 You may not refer yourself, and each Friend may only be referred once. If a Friend is referred by more than one Referrer, the reward will be paid to whoever referred them first, as determined by our records.

2.1 Each active Care Planholder will be issued a unique Refer a Friend code.

2.2 To take part, the Referrer gives their unique code to a Friend, who must call our team and quote the code during the same call in which they take out their Care Plan.

2.3 The referral will only be recognised and rewarded if the code is quoted during that call. We are unable to apply a code retrospectively, including to a Care Plan already taken out in a previous call.

3.1 If the Friend takes out a Care Plan with us using the Referrer’s code, and both the Referrer’s and the Friend’s policies remain active and in good standing for a continuous period of 90 days from the Friend’s Care Plan start date, we will pay £40 in cash to both the Referrer and the Friend.

3.2 “Active and in good standing” means the Care Plan has not been cancelled, lapsed, or suspended, and all payments due have been made, throughout the 90-day qualifying period.

3.3 If either Care Plan is cancelled, lapses, or falls into arrears at any point during the 90-day qualifying period, the reward will not be paid to either party.

3.4 Rewards will be paid within 30 days of the qualifying period ending, will be paid to the bank account linked to the Direct Debit details associated with your account, unless otherwise agreed by us

3.5 There is no limit to the number of times a Referrer can take part in the Scheme, provided each referral involves a different, eligible Friend.

3.6 Rewards are not transferable and cannot be exchanged for an alternative reward, credit, or cash equivalent beyond the £40 stated.

4.1 It is the responsibility of the Referrer and the Friend to determine whether any tax liability arises from receipt of the reward. We do not provide tax advice.

5.1 We reserve the right to withhold or reclaim a reward, and to suspend a Referrer or Friend from the Scheme, where we reasonably suspect fraudulent, abusive, or manipulative behaviour, including but not limited to fake referrals or attempts to circumvent these terms.

5.2 We reserve the right to verify the eligibility of any referral before paying a reward.

6.1 We reserve the right to amend these terms, withdraw, or suspend the Scheme at any time. Any changes will not affect referrals made in good faith prior to the change, provided they otherwise meet these terms.

6.2 We reserve the right to change the reward amount for new referrals at any time; the amount applicable will be that in place at the date the Friend’s Care Plan is purchased.

8.1 The Scheme is offered at our discretion and does not form part of any contractual entitlement under your Care Plan.

8.2 These terms are governed by the laws of England and Wales.

8.3 If any part of these terms is found to be invalid or unenforceable, the remaining terms will continue to apply in full.