Terms and Conditions

Terms and Conditions related to MIAB competitions, prize draws or special offers.

Refer a Friend promotion – Personal Protection – March and April 2018

  1. The offer is promoted by The Medical Insurance Advisory Bureau Ltd (‘MIAB’), registered in England and Wales no. 7217140, registered office 64 Wilbury Way, Hitchin, Hertfordshire, SG4 0TP.
  2. From the March 19th to the April 30th 2018, MIAB are offering the opportunity to enter a prize draw to win a £50 ‘Love2Shop’ voucher to customers who refer friends, colleagues and family members for Income Protection, Critical Illness Cover, Private Medical Insurance or Life Insurance policies, or any combination thereof, through MIAB.
  3. To enter the draw you must:
    1. Pass Paula Storey’s contact details (paula.storey@miab.co.uk, 01438 730211) to friends, colleagues and family members and ensure they mention your name when contacting Paula, OR
    2. Obtain agreement from friends, colleagues and family members that they are happy to be contacted by Paula Storey, and pass their contact details, including full name, phone number and email address, to Paula Storey.
  4. The people you refer MUST take out a plan with MIAB for you to qualify into the prize draw.
  5. You can refer as many people as you like. You will gain one prize draw entry per policy taken out by an individual.
  6. The prize draw will take place on May 1st 2018.
  7. The winner will be contacted on May 1st 2018 to arrange for the voucher to be sent.
  8. MIAB will dispatch the voucher through a tracked mail service, but will not be held responsible for vouchers that are not received. For example, lost in transit.
  9. Employees of MIAB, and any immediate family members or co-habitants of such employees, are not eligible for this offer.
  10. MIAB may request that you participate in any publicity or promotion and will contact you in advance to gain your consent to do so.
  11. Vouchers cannot be refunded for the monetary equivalent.
  12. MIAB reserve the right to substitute the vouchers for an alternative of equal or greater value.
  13. The decision of MIAB is final on all matters relating to this offer and these terms and conditions, and no correspondence will be entered into in this regard.

Receive a £50 ‘Love2shop’ voucher when you purchase a Personal Protection policy: Terms and Conditions (February 2018)

  1. The offer is promoted by The Medical Insurance Advisory Bureau Ltd (‘MIAB’), registered in England and Wales no. 7217140, registered office 64 Wilbury Way, Hitchin, Hertfordshire, SG4 0TP.
  2. From the 30th of January to the 28th of February 2018, MIAB are offering a £50 ‘Love2Shop’ voucher to customers purchasing Income Protection, Critical Illness Cover, Private Medical Insurance or Life Insurance policies, or any combination thereof, through MIAB.
  3. For the offer to apply you must:
    1. Book a telephone appointment with MIAB’s Specialist Insurance Adviser for Personal Protection to be held within the period of 30th of January 2018 and 28th of February 2018 (inclusive), AND
    2. Confirm within the period of 30th of January 2018 and 28th of February 2018 (inclusive) your acceptance of a quote for at least one of the following policies: Income Protection, Critical Illness Cover, Private Medical Insurance or Life Insurance, AND
    3. The Premium must be a minimum of £50 per month to qualify.
  4. This offer can only be used once per person or joint application. Couples who book separate appointments within the eligibility period and confirm acceptance of separate policies within the eligibility period are entitled to receive one voucher each.
  5. This offer applies to Income Protection, Life Insurance, Private Medical Insurance and Critical Illness Cover policies only.
  6. Vouchers will be dispatched following confirmed receipt of the first three months’ premium(s) by the insurer(s). The timing of the first premium payment may be dependent on underwriting considerations by the insurers and is not linked to the eligibility period of 30th of January and 28th of February 2018 (inclusive).
  7. If multiple policies are accepted through multiple insurers, the date of the first confirmed receipt of the first month’s premium will be considered as the trigger for the dispatch of the vouchers.
  8. MIAB is not responsible for checking if premiums have been received by the insurers.
  9. MIAB will dispatch vouchers through a tracked mail service but will not be held responsible for vouchers that are not received. For example, lost in transit.
  10. Employees of MIAB, and any immediate family members or co-habitants of such employees, are not eligible for this offer.
  11. MIAB may request that you participate in any publicity or promotion and will contact you in advance to gain your consent to do so.
  12. Vouchers cannot be refunded for the monetary equivalent.
  13. MIAB reserve the right to substitute the vouchers for an alternative of equal or greater value.
  14. The decision of MIAB is final on all matters relating to this offer and these terms and conditions, and no correspondence will be entered into in this regard.

20% discount off the broker’s commission for Personal Protection policies: Terms and Conditions (January 2018)

  1. From the 1st of January to the 31st of January 2018, MIAB are offering a 20% discount off the broker’s commission on Income Protection, Critical Illness Cover and Life Insurance policies and passing the savings onto you.
  2. By applying the discount code to your enquiry you are accepting these terms and conditions, and agreeing to be bound by them.
  3. The discount is promoted by The Medical Insurance Advisory Bureau Ltd (‘MIAB’), registered in England and Wales no. 7217140, registered office: 64 Wilbury Way, Hitchin, Hertfordshire, SG4 0TP.
  4. The decision of MIAB is final on all matters relating to this discount and these terms and conditions, and no correspondence will be entered into in this regard.
  5. You must book an appointment within the period between the 4th of January 2018 and the 31st of January 2018 for the offer to apply. Any enquiries that come through on or after the 1st of February 2018 will not be eligible.
  6. This offer can be used once per policy, including group protection policies.
  7. The offer applies to Income Protection, Life Insurance and Critical Illness Cover.
  8. The offer does not apply to Private Medical Insurance.
  9. By accepting the discount you are aware that it applies only to the broker commission reduction, and no other charge within the policy (e.g. premium reduction).
  10. Employees of MIAB, and any immediate family members or co-habitants of such employees, are not eligible to use the code.
  11. MIAB will not be responsible for discount codes that are not received. For example, appointment requests that were delivered to our email inbox.
  12. MIAB may request that you participate in any publicity or promotion.
  13. This discount cannot be used in conjunction with any other offers.

Fitness Tracker Prize Draw Terms and Conditions (September 2017)

  1. By entering the prize draw you are accepting these terms and conditions, and agreeing to be bound by them.
  2. The prize draw is promoted by The Medical Insurance Advisory Bureau Ltd (‘MIAB’), 64 Wilbury Way, Hitchin, Hertfordshire, SG4 0TP.
  3. The decision of MIAB is final on all matters relating to this prize draw and these terms and conditions, and no correspondence will be entered into in this regard.
  4. No purchase is necessary in order to participate in this prize draw.
  5. Participation in this prize draw is free and open to persons who are 18 years or over, United Kingdom resident, and who are employed by a GP practice whose LMC area is a member of the LMC Buying Groups Federation. Only one entry per GP practice is permitted.
  6. Employees of MIAB, and any immediate family members or co-habitants of such employees, are not eligible to enter the prize draw.
  7. To enter the prize draw you must submit your practice Locum Insurance or Surgery Insurance renewal dates or renewal months to MIAB by email.
  8. MIAB will not be responsible for entries that are not received.
  9. Winners will each receive one of five fitness tracker devices. The prize is subject to availability and MIAB may at its discretion substitute the prize for a suitable alternative. No cash or other alternative can be requested by the winner.
  10. The prize draw will take place on 5pm on Friday 29th September 2017 and winners will be drawn at random by MIAB.
  11. Winners will be notified within five working days.
  12. By accepting the prize, winners agree that MIAB may publish their names, GP practice and address towns/counties in any media in connection with the prize draw. The names of winners will be available on written request to MIAB.