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Terms and Conditions for Champagne and Chocolates promotion

Terms & Conditions for Champagne and Chocolates offer:
1. Free gift is only applicable at inception of a new policy where the annual premium is at least £100.00 provided the balance of the premium is paid by cash, cheque, debit or credit card
2. Only one free gift per new policy
3. Free gift only available by taking out a new policy in the Higos Yeovil, Higos Bridport, Higos Plymouth, Higos Bideford or Courtenay Bude branch
4. Free gift to be collected 7 days after inception of a policy
5. Free champagne is only available for policy holders aged 18 or over
6. Proof of age may be required
7. We reserve the right to withdraw this offer at any time
8. No cash alternatives
9. This offer is not available to Higos Insurance Services Ltd employees.