1. The promoter of this promotion is Columbus Insurance Services Ltd, trading as Columbus Direct, registered in England with company number 06338784, whose registered address is Cutlers Exchange, 123 Houndsditch, London, EC3A 7BU (referred to as the “Promoter”).
  2. The promotion is not available with any other offers.
  3. The promotion may only be used for one reward per household.
  4. The reward for purchasing a Columbus Direct Income Insurance policy in accordance with these Terms and Conditions will be a Marks & Spencer e-gift card up to the value of £50.
  5. The amount of the reward will be dependent on the purchased policy monthly premium as follows:
    Policy Monthly Premium Voucher Amount
    Up to £10.00 £5.00
    £10.01-£20.00 £10.00
    £20.01-£30.00 £20.00
    £30.01-£40.00 £30.00
    £40.01-£50.00 £40.00
    £50.01+ £50.00
  6. E-gift card will be sent 60 days after the start date of the policy.
  7. You must keep your e-gift card number secure. Your number is unique and the total value can only be redeemed once.
  8. To spend your e-gift card online, enter the 16 digit card number at the check-out, selecting the gift card option at payment. You will also need to enter your PIN as provided with the e-gift card.
  9. To spend your e-gift card in store simply print out and present at the till. You DO NOT need your PIN.
  10. The e-gift card can only be redeemed at the Marks & Spencer stores in the United Kingdom and Channel Islands (incl. Outlets but excl. BP stores) and online subject to terms and conditions.
  11. The e-gift card may be exchanged for goods of a higher price than the face value of the e-gift card on payment of the difference.
  12. If any product purchased with an e-gift card is subsequently exchanged for a product of a lower price or a refund, any money owing will be added to the remaining balance on the e-gift card.
  13. The e-gift card cannot be exchanged for cash or used to pay for M&S Money services, products or outstanding card balances, made to measure shirts, cosmetic appliances, personalised cards or M&S Energy.
  14. If you do not spend the entire balance on the e-gift card the remaining balance will be updated after each transaction and shown on your printed till receipt in store.
  15. The e-gift card has a maximum value of £500.
  16. The e-gift card can be topped up to the maximum value limit by the customer.
  17. The e-gift card will be valid for 24 months from the last transaction (transactions include balance enquiries). Any remaining balance will be cancelled on expiry of the validity period.
  18. Please check in store or online for balance enquiries or contact Marks & Spencer by phone (local rates apply) on 0333 014 8777.
  19. Please treat the e-gift card as cash as Marks & Spencer and the Promoter will not accept liability for lost, stolen or damaged e-gift cards.
  20. Should you lose your e-gift card please contact Columbus Insurance Services customer service team on 0800 082 1272 or 0203 056 7316.
  21. The e-gift card shall be subject to the applicable Marks & Spencer terms and conditions and Marks & Spencer reserve the right to amend the terms and conditions of the e-gift card at any time and to take appropriate action, including the cancellation of the e-gift card if at its discretion it deems such action necessary. This does not affect your statutory rights.
  22. Columbus Insurance Services Ltd reserve the right to amend these terms and conditions and/or discontinue the promotion at any time. This does not affect your statutory rights.