Offer- Terms and Conditions

We guarantee to beat your renewal quote by at least £50 – terms and conditions

1. This offer applies to new Post Office® Home Insurance customers only, purchasing either a Buildings, Contents or Combined Buildings & Contents Insurance policy up to and including 30^th September 2012. Customers who are renewing or amending an existing policy are not eligible for this offer. This date represents an extension to the original offer closing date of 31^st March 2012 which no longer applies.

2. This offer excludes properties suffering from subsidence.

3. The policy must be purchased directly with Post Office® Insurance and is not available via price comparison websites. Policies purchased directly with Post Office® using a quote reference obtained from the comparison website, will not be eligible for the offer.

4. Your insurance quotation with Post Office® must be on an equivalent basis matching your cover levels with your existing insurer including the voluntary excess, but excluding any additional products, instalment charges and fees.

5. Subject to the qualifying criteria we guarantee to beat the renewal premium offered by your existing insurer and save you at least £50 provided you purchase the policy.

6. If the Post Office® quotation is the same as your existing insurer, then we will pay you back £50 only.

7. If the Post Office® quotation is less than £50 cheaper than your existing insurer, we will pay you the difference to make up the value of £50.

8. If the Post Office® quotation is more than £50 cheaper than your existing insurer, you are not eligible for the payment.

9. Your premiums will be based on your initial insurance quotation and the guarantee payback will only apply once the qualifying criteria is satisfied.

10. To qualify for the offer you will be required to send us a copy of the documentation to prove your existing cover levels and premium details with your current insurer. You will be advised in your policy documentation where to send your documents to. You must send your documents within 30 days of purchasing your policy. Post Office® will not be able to return any documentation sent to us in conjunction with this offer.

11. If you fail to provide documentation or where the documentation does not meet the qualifying criteria, Post Office® will not make any guarantee payback and the policy will continue to be charged at the quoted rate and will be subject to standard charges and fees.

12. The guarantee payback will be paid into the account or refunded onto the debit/credit card upon which the initial payment was made within 60 days after the policy has been in force and provided the policy has not been cancelled during this period or where the premium is being paid on a monthly basis all instalments are up to date.

13. No guarantee payback is payable in respect of any subsequent amendments made to the policy.

14. . If the policy is cancelled for any reason within 12 months of the commencement date, we reserve the right to reclaim any guarantee payback, together with the standard charges and fees as set out in your policy documents.

15. This offer is open up to and including 30^th September 2012, however, we reserve the right to vary, withdraw or extend this offer at any time.

16. This offer and your quotation are subject to standard underwriting criteria. Policy terms and conditions apply and will be provided within the documentation when a policy is taken out.

17. This offer is not available in conjunction with any other offer.