1. 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 is the promoter of this Promotion (referred to as the “Promoter”).
  2. This Promotion is open to all residents of the United Kingdom aged 18 years or over.
  3. This Promotion will run from 00:00am on 14/01/2017 to 00:00am on 13/01/2018 only (the “Promotional Period”). Any travel insurance referral or purchase received by the Promoter outside the Promotional Period will not be entitled to any gift or discount.
  4. To enter the Promotion, an existing customer of Columbus Direct (the “Introducer”) has to refer a friend who is aged 18 years or over to purchase a Columbus Direct travel insurance policy (“Policy”). There will be two routes for the Introducer to refer a friend:
    1. 4.1: within a week after purchasing a Policy, an email will be sent to such existing customer who has opted-in to receive marketing communications from Promoter about this Promotion; or
    2. 4.2: immediately after purchasing Columbus Direct travel insurance, a button on the confirmation page will allow the Introducer to click through to a page where they can enter their friend’s email address.
  5. All friends referred by the Introducer must be new customers to the Promoter.
  6. The referred friend will receive an email with details of how to purchase a Policy with the Promoter and be provided with a promotional code to claim a 10% discount on the travel insurance policy.
  7. Eligible friends who are purchasing policies under the terms of this offer are eligible for a 10% discount on the Policy.
  8. Discounts do not apply to any additional medical conditions or policy options attracting additional premium to the policy.
  9. By entering into this Promotion, the Introducer agrees that the Promoter will reveal his/her name to the friends referred.
  10. The details the Introducer provides for his/her friends will only be used to inform them that they have been recommended to purchase Columbus Direct travel insurance; they will not receive any further communications unless they opt-in to receive marketing materials from the Promoter.
  11. Once the referred friend has purchased a Policy and the cooling off period has expired, which is 14 days after their policy documentation is received, the Introducer will be emailed with an M&S e-gift card.
  12. The Introducer will receive an M&S e-gift card for every friend who uses the offer and meets the requirements of these terms and conditions. For the avoidance of doubt, the Introducer shall be entitled to M&S e-gift card for EACH policy referral being purchased by a referred friend. The value of a Policy cannot be combined with other friends’ travel policies’ value.
  13. The value of the M&S e-gift card will vary based on the value of the policy purchased by the referred friend as follows:
    Policy price M&S e-gift card


    £25-£49 £5.00
    £5099 £10.00
    £100+ £15.00
  14. In the unlikely event that the M&S e-gift card becomes unavailable, a suitable substitute of equal value will be supplied. Cash alternatives are not available.
  15. The Promoter reserves the right to cancel any e-gift cards if it discovers or suspects the terms of the offer are being abused.
  16. The Promoter reserves the right at any time to cancel, modify or terminate the Promotion in their sole discretion, if the Promotion is not capable for being conducted as specified.
  17. The Promoter will not accept referral entries that are:
    1. 16.1: automatically generated by computer;
    2. 16.2: completed by third parties or in bulk;
    3. 16.3: illegible, have been altered, reconstructed, forged or tampered with; or
    4. 16.4: incomplete.
  18. By entering into the Promotion, the Introducer confirms that he/she and his/her friends are eligible to do so and eligible to claim the M&S e-gift card. The Promoter may require the Introducer or friends to provide proof that they are eligible to enter the promotion.
  19. Insofar as is permitted by law, the Promoter will not in any circumstances be responsible or liable to compensate the Introducer or accept any liability for any loss, damage, personal injury or death occurring as a result of claiming the M&S e-gift card except where it is caused by the negligence of the Promoter. Customers statutory rights are not affected.
  20. This Promotion cannot be used in conjunction with any other promotions.
  21. Promoter accepts no responsibility or liability for loss or damage arising from an inability to participate in the Promotion due to computer failure, viruses, bugs and other such similar causes, lost, delayed or incomplete entries howsoever arising.
  22. By participating, all existing customers agree to abide by each and all these Terms and Conditions. Misrepresentative or fraudulent entries will invalidate an entry. Promoter reserves the right, with or without cause, to exclude entrants and withhold the Promotion for violating any of these Terms and Conditions. Promoter reserves the right to amend these Terms and Conditions.
  23. The Promoter reserves the right to retain any data gathered via the Promotion but this will be done in strict accordance with data protection regulations.
  24. The Introducers/referred friend will hold the Promoter, its employees, officers, directors, licensees, distributors, affiliates, subsidiaries, advertising, promotion or other agencies harmless and shall fully indemnify the same from any and all costs, expenses, liabilities and damages whatsoever that may arise as a result of (i) their participation in the Promotion or (ii) their acceptance of the M&S e-gift card. For the avoidance of doubt, under no circumstances will Promoter be liable for any breach of laws that may occur as a result of their participation in the Promotion.
  25. This Promotion and any dispute or claim arising out of or in connection with it or its subject matter or formation (including non-contractual disputes or claims) will be governed by English law. Any dispute or claim arising out of or in connection with the Promotion or its formation (including non-contractual disputes or claims) will be subject to the exclusive jurisdiction of the English Courts.
  26. If any provision of these Terms and Conditions is held invalid by any law, rule, order or regulation of any government, or by the final determination of any court of a competent jurisdiction, such invalidity shall not affect the enforceability of any other provisions not held to be invalid
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