These rules and any other rules specified by HIC or any
of its group of companies (the “Company”)
from time to time (“Competition Rules”)
apply to any competition which is run by or on behalf of the Company
By taking part in a Competition, you agree to be bound by the
Competition Rules and by the decisions of the Company which are final
in all matters relating to the Competition. The
Company reserves the right to disqualify any entrant and/or winner in
its absolute discretion for any reason and without notice in
accordance with the Competition rules.
All entries must be received at the place specified
during the period in which the Competition is open and late or
incomplete entries will be disqualified. Proof of posting (if
relevant) shall not be deemed proof of delivery. No responsibility
can be accepted for entries which are lost, delayed, misdirected or
corrupted during delivery to the place specified for any reason
Entries must be submitted by an individual (not via any
agency or similar) and, unless otherwise stated, are limited to one
per household. Prizes may be provided by a third party sponsor of the
Competition. The Company reserves the right in its sole discretion to
substitute any prize with cash or a prize of comparable value.
The winning entry will be that which has met the entry
criteria and which most closely meets the Competition criteria
Unless otherwise stated, each Competition is open to all
GB residents of 18 years and over, except employees of: (a) the
Company; and (b) any third party appointed by the Company to organise
and/or manage the Competition; and (c) the Competition sponsor(s).
By entering a Competition you:
grant the Company, any third parties appointed by the
Company for the purpose of organising and/or managing the Competition
and the Competition sponsor(s) permission to use your name and
likeness for the purpose of organising and/or managing the
Competition, for announcing the winner of the Competition and for
related promotional purposes; and
grant the Company and any Competition sponsor(s) the
right to use your personal information to send you information about
their respective products and services which may be of interest to
you. If you do not wish to receive this information, please follow
the instructions given.
accept that all entries will become the property of the
Company upon receipt and will not be returned. You will retain all
rights you have in the copyright and other intellectual property
rights comprising the Competition entry but, by entering the
Competition, you grant the Company and its licensees the right free
of charge to republish your Competition entry;
waive any moral rights or similar rights you have in
your Competition entry whether such rights arise pursuant to the
Copyright, Designs and Patent Act 1988 (the “Act”) or equivalent
legislation anywhere in the world; and
warrant to the Company that the Competition entry is
wholly original to you and not wholly or substantially copied from
any other material and that the Competition entry does not defame,
cause injury to or invade the privacy of or otherwise infringe or
violate any statutory, common law, regulatory or intellectual
property rights of any third party.
You may be offered the chance to subscribe for a free
newsletter or other service of the Company but failing to do this
will not disqualify you from a Competition.
If you are a winner, you may have to provide additional
information (including, without limitation, proof of age or identity)
and/or complete additional documents and return them to the Company
within a specified period. Failure to provide additional information
and/or complete additional documents within the required time period,
or notification returned as undeliverable as addressed will result in
your disqualification as a winner and an alternative winner will be
The name(s) of the winner(s) and details of the winning
entry or entries will be sent to anyone who requests the same within
three (3) months of the closing date of the Competition. Requests
should be sent to the postal or email address for competition entries
and, if postal, should be accompanied by an SAE.
you are a winner of a Competition:
the receipt by you of any prize is conditional upon you
complying with any and all applicable laws, rules and regulations
including, without limitation, the Competition Rules;
you acknowledge and agree that neither the Company or
any Competition sponsor(s) or any of their employees, agents or
subcontractors shall have any liability to you whatsoever in
connection with your use and/or possession of your prize, provided
that nothing in these Competition Rules shall exclude or limit the
liability of any party for personal injury or death caused by
negligence or for anything else which cannot be excluded or limited
If the winner cancels the Herts Insurance policy no refund will be given and he/she agrees to be bound by the Herts Insurance policy terms and conditions as detailed in the policy booklet, including the payment of any cancellation fees.
If the winner decides to cancel his/her current car insurance policy, Herts Insurance will not pay any cancellation fees as set out by the winner’s current insurance provider in order to transfer the winner to the Herts Insurance policy.
The prize cannot be transferred and no cash alternative is available.
Herts Insurance reserves the right, at their discretion, to:
amend these terms and conditions; and
disqualify any entrants who do not comply with these terms and conditions or has acted fraudulently in any way; and
suspend or, cancel the competition, at any time and without providing any prior notice. If in its opinion it is deemed necessary or if circumstances arise outside its control; and
substitute the prize or any element of the prize in the event that the prize cannot be provided to the winner.
Unless otherwise stated, the Company is the promoter of
If any of these rules are deemed to be illegal, invalid
or otherwise unenforceable, the affected rules shall be deleted from
these Competition Rules but the remaining rules shall continue in
full force and effect.
These Competition Rules and each Competition are
governed by English law. Any disputes arising between the Company and
any third party in relation to these Competition Rules and/or a
Competition shall be subject to the exclusive jurisdiction of the
courts of England and Wales (save that the Company shall be entitled
to take action against a third party in any other jurisdiction).
I found HIC to be one of the best insurance companies I have dealt with over the years. I dealt with a great person who spent time finding out my insurance requirements and matched these to the best policy. She was very clear and precise in all aspects of the quote so that I was fully aware of all requirements yet was most pleasant in her approach.