• This offer is available to customers who buy Aviva Protection UK Limited Life Insurance, Critical 3 with Life Insurance or Guaranteed Sixty-Plus Life Insurance via the Royal Bank, Natwest or Ulster website from 27th September 2024 up to and including 30th January 2025. This offer will expire on 31st January 2025.

• The Gift Cards available to choose from are:
  Amazon.co.uk Gift Card*
  Love2Shop* e-Gift Card
  M&S* e-Gift Card
  *All Gift Cards are subject to their own terms and conditions detailed as below.

• The value of the Gift Card will depend on the monthly premium of the policy purchased

  Monthly Premium	Gift Card Value
  Up to £11.99	£50
  £12 and above	£100

• You will be eligible for your Gift Card six months after your policy start date, provided your policy has not been cancelled, your payments are fully up to date, and a claim has not been made.

• The issue of a Gift Card may be cancelled if there is a reasonable suspicion that the terms of the offer are being abused.

• The Promoter can remove or vary this offer in whole or in part at any time and without prior notice.

• If you have previously received a gift for a policy and it has been cancelled, you do not qualify for subsequent gifts.

• A letter, or email from noreply@lifeinsurancerewards.co.uk will be sent to you with details of ‘what happens next’. Please allow 30 days from your policy start date for delivery of this communication.

• A letter, or email from noreply@lifeinsurancerewards.co.uk will also be sent to you with details of ‘how to redeem your Gift’ after you have passed six months. Please allow 30 days from this point for delivery of this communication.

• This offer is limited to one Gift Card per household.

• You have six months from the date we send you the ‘how to claim’ communication to claim your Gift Card or you will not be eligible for this offer.

• The incentive provider could be changed but the monetary value of this offer will not change.

• If you don’t have a valid email address you can ask us to send out your Gift Card via post.

• No cash alternative will be offered.

• The Promoter shall have the sole decision on whether any eligibility requirements have or have not been met.

• This promotion is managed by The Marketing Lounge Partnership (“MLP”), The Cowshed, Walnut Tree Farm, Lower Stretton, Warrington WA4 4PG on behalf of Aviva. All communications regarding this incentive will be provided by MLP, you can call them on 01565 656 392

• Promoter: Aviva Protection UK Limited. Telephone 0345 600 6820. Registered in England and Wales. Number 6367921. Registered address: Aviva, Wellington Row, York, England, YO90 1WR. Aviva Protection UK Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The registration number is 473752.

*Restrictions apply, see www.amazon.co.uk/gc-legal

Love2shop is not a sponsor of this promotion. For complete terms and conditions see https://www.love2shoprewards.co.uk/PDFs/Love2shop-reward-codes-end-user-terms.pdf.

1. M&S is not a sponsor of this promotion.
2. M&S e-Gift Cards may be used to purchase goods of a higher price than the amount on the card, on payment of the difference.
3. Cannot be exchanged for cash or used to pay for M&S Bank services, products or outstanding card balances, made to measure shirts, personalised cards or M&S energy or to buy another Gift Card or e-Gift Card.
4. Can be used in all M&S stores in the UK and Channel Islands, including outlet, railway, motorway and airport stores but not in BP Connect stores.
5. Are valid for 24 months from the last transaction (transactions include balance enquiries).
6. Any remaining balance will be cancelled on expiry of the validity period.
7. Cannot be returned or refunded, except in accordance with your legal rights, for example in the event they are not satisfactory quality.
8. Should be treated as cash, M&S will not accept liability if lost, stolen or damaged.