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Member limited offer terms and conditions

Before we beat your current insurer’s quote, we need to make sure both plans are a like-for-like match. We’re always happy to help if you have any questions about any of the terms below. Get in touch with the team

VitalityCar Guarantee To Beat & Amazon.co.uk Gift Card offers - terms and conditions

The following terms and conditions relate to the VitalityCar Guarantee To Beat Limited Offer and the Amazon.co.uk Gift Card Limited Offer (together the "Limited Offers") valid from 7 October 2021 until 31 December 2021 inclusive ("Limited Offer Term").

For "VitalityCar Plans" purchased outside of the "Limited Offer Term", the standard "Offers" terms and conditions apply.

1. The Offers are open to all Eligible Participants who comply with these terms and conditions.

a. "Annual Premium" means the base annual price of a single car insurance plan, as stated in the insurance contract. The Annual Premium can include the price of no claims discount protection and/or motor legal protection if these covers are provided by your existing insurer. The Annual Premium does not include:

  • Add-on products, such as - but not limited to - breakdown cover and replacement car cover, whether purchased or included as standard
  • Interest charges
  • Any other extra costs

b. "Amazon.co.uk Gift Card Offer" means one (1) Amazon.co.uk Gift Card for each VitalityCar Plan. You can redeem a Gift Card on up to a maximum of three (3) VitalityCar Plans bought by you. The amount will vary depending on your Vitality Healthy Living status on the date you buy a VitalityCar Plan. You can’t exchange the Gift Card and there is no cash equivalent. This Limited Offer is only valid during the Limited Offer Term.

c. "Guarantee To Beat Limited Offer" or "GTB Limited Offer" means Vitality will beat the Annual Premium on your Renewal Premium Quote or your Previous Premium Quote by at least £1 on a Like-For-Like plan. This is subject to our underwriting criteria. This Limited Offer is only valid during the Limited Offer Term.

d. "Like-For-Like" means that the VitalityCar Plan will include the same core cover as your existing car insurance plan. This excludes any add-on products such as - but not limited to - breakdown cover and replacement car cover, whether purchased or included as standard. “Like-For Like” will include no claims discount protection and/or motor legal protection if these covers are included in your existing car insurance plan. The matching details on your current plan must include (but are not limited to):

  • Personal details
  • Your car's details
  • Years of No Claims Discount
  • Total excess amount

e. "Renewal Premium Quote" means the price you paid last year as shown on your Renewal Invite. We may also ask for any other appropriate renewal invitation documentation to determine your Previous Premium Quote. You must give evidence of this to qualify for the Limited Offers. This price can include no claim discount protection and/or motor legal protection but must exclude any other add-on products such as - but not limited to - breakdown cover and replacement car cover, whether purchased or included as standard.

f. "Renewal Invite" means the invite sent to you with details of your Renewal Premium Quote and Previous Premium Quote by your existing car insurer. The Renewal Invite can be an electronic version of a paper copy.

g. "Renewal Premium Quote" means the quoted price on your Renewal Invite. We may also ask for any other appropriate renewal invitation documentation to determine your Renewal Premium Quote. You must give evidence of this to qualify for the Limited Offers. This price can include no claim discount protection and/or motor legal protection but must exclude any other add-on products such as - but not limited to - breakdown cover and replacement , whether purchased or included as standard.

h. "Amazon.co.uk Gift Card" or "Gift Card" means an Amazon.co.uk Gift Card.

i. "Eligible Participant", "you" or "your" means:

  • a resident of England, Wales or Scotland;
  • an existing Member with a valid Vitality membership number whose Plan is active before the End Date for Limited Offers; and
  • (subject to the above) a Member who buys a VitalityCar Plan direct during the Limited Offer Term.

j. "Member" means an individual who is covered under a Plan which is underwritten or administered by Vitality or another member of Vitality's group.

k. "End Date for Limited Offers" means a VitalityCar Plan bought on or before 23:59 on 31 December 2021 (inclusive);

l. "Plan" means an active insurance plan administered by Vitality or a member of Vitality’s group with an active Vitality membership number.

m. "Vitality", "we" or "our" means Vitality Corporate Services Limited (company number 05933141) of 3 More London Riverside, London SE1 2AQ trading as VitalityHealth, VitalityLife, VitalityCar and VitalityInvest.

n. "VitalityCar Plan" means an insurance contract for the provision of car insurance to a Member, administered by Vitality, relating to a single car.

2. All quotes are subject to our underwriting criteria. This means if we decline your quote, unfortunately you can't redeem either of the Limited Offers.

3. We’ll only Guarantee To Beat a Renewal Premium Quote or Previous Premium Quote, whichever is lower, as shown on your Renewal Invite for a Like-For-Like plan by £1. This price can include no claims discount protection and/or motor legal protection if these covers are included in your existing car insurance plan but it excludes add-on products such as - but not limited to - breakdown cover and replacement car cover, whether purchased or included as standard. This price also excludes interest charges and any other extra costs.

4. Your Renewal Premium Quote or Previous Premium Quote must have a minimum premium of at least £150.

5. Your Renewal Premium Quote must have a minimum total excess of at least £150.

6. This Limited Offer expires for all Eligible Participants on the End Date for Limited Offers.

7. You must have an active Plan administered by Vitality and only you can redeem the Limited Offer.

8. You can use this Limited Offer on a maximum of three VitalityCar Plans, in your name only.

9. This Limited Offer isn't available if your current insurer declines to offer a renewal price for any reason. Your current risk details also must not have changed from the details that the Renewal Premium Quote was based on.

10. You must complete a quote either direct on vitality.co.uk or with our telephone sales team before you can redeem this Limited Offer.

11. You must send Vitality your Renewal Invite. from your existing insurer. The Renewal Invite will need to show your Renewal Premium Quote and your Previous Premium Quote, personal details, details of any named drivers, the car and level of cover. This list is not exhaustive, and we may also ask you to send more details if we need to.

12. You must email the Renewal Invite and any other requested details to Vitality at renewalproof@vitalitycar.co.uk within 14 days of the inception date of your VitalityCar Plan. We won't accept proof sent via post.

13. We reserve the right to withdraw this offer if you fail to send the required documentation within 14 days from inception date of your VitalityCar Plan or if the documentation doesn't meet the qualifying criteria. If this is the case, we also reserve the right to either cancel your VitalityCar Plan or, with your agreement, we can amend it and charge you at the correct rate.

14. The Amazon.co.uk Gift Card Limited Offer expires for all Eligible Participants on the End Date for Limited Offers.

15. You must have an active Plan administered by Vitality and only you can redeem the Amazon.co.uk Gift Card Limited Offer.

16. You can use the Amazon.co.uk Gift Card Limited Offer on a maximum of three VitalityCar Plans, in your name only.

17. We'll check if your VitalityCar Plan is still in force 15 days after your cover start date. If you've cancelled your VitalityCar Plan, you won't be eligible to receive your Gift Card.

18. Amazon.co.uk Gift Card restrictions apply, see www.amazon.co.uk/gc-legal

19. Buy a VitalityCar Plan direct on vitality.co.uk or with our telephone sales team.

20. We'll send your Gift Card via email no later than 30 days after the cover start date of the VitalityCar Plan.

21. The Gift Card value will vary based on your Vitality Healthy Living status on the date you buy a VitalityCar Plan, as stated below:

  • Platinum - £75
  • Gold - £70
  • Silver - £60
  • Bronze - £50

22. These Limited Offers exclude members living in Northern Ireland as our underwriters don’t insure postcodes in this region.

23. These Limited Offers are only available direct via the vitality.co.uk or via our telephone sales teams, and explicitly exclude availability via aggregators or affiliates.

24. These Limited Offers cannot be used alongside any other offer.

25. Unless otherwise agreed, you must pay your VitalityCar Plan’s Annual Premium, and any other added charges, in line with the terms of your VitalityCar Plan.

26. Any decisions made by Vitality over eligibility or otherwise in relation to the Limited Offers are final. These decisions will not be open to dispute and no further correspondence will be entered into.

27. Insofar as is permitted by law Vitality, its agents, or distributors, will not in any circumstances be responsible or liable to compensate any person or accept any liability for any loss, damage, personal injury or death occurring as a result of any individual taking up the Limited Offers, except where it is caused by the negligence of Vitality, or that of its employees. Your statutory rights are not affected.

28. Vitality reserves the right to void, vary, extend, suspend or withdraw the Limited Offers at any time, including in the event of fraudulent behaviour by any Eligible Participants.

29. Vitality reserves the right to amend these terms and conditions on the provision of written notice or via Vitality’s web site.

30. These terms and conditions shall be governed by English law and the parties agree to submit to the exclusive jurisdiction of English and Welsh courts and tribunals with regard to any dispute or claim arising under these terms and conditions.

These terms were updated on 1 December 2021 and are reviewed on a quarterly basis.

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