Terms and Conditions – AXA Commercial Direct (Business Insurance) Christmas Competition 2024

AXA Services Limited, a company incorporated in England and Wales under company number 00446043 whose registered office is at 20 Gracechurch Street, London, EC3V 0BG is the “Promoter” of this competition (the “Competition”). The Promoter is part of the AXA Group. 

(The “AXA Group” means AXA UK plc and its subsidiary companies, any holding company of AXA UK plc and any subsidiary companies of such holding company, as such terms are defined in section 1159 of the Companies Act 2006.)

  1. There will be 12 Winners (defined below), who will each receive a full refund in respect of the price paid for their annual Business Insurance policy (the “Prize”).
  2. The Promoter reserves the right to withdraw or amend this Competition at any time without notice.
  3. To enter the Competition, the Entrant (defined below) must:
    • purchase a Business Insurance policy (“Policy”) directly from AXA Insurance UK plc (not via a broker), within the Competition Window (defined below);
    • pay the premium in full within the Competition Window; and
    • not cancel the Policy within the 14-day ‘cooling off period’
    • (an entry complying with the conditions in this Clause 3 is a “Valid Entry”).
  4. The commencement time and date for the Competition is 00:01 am GMT on 1st December 2024, and the closing time and date for entries is 11.59pm GMT on 31st December 2024 (“Competition Window”). For the avoidance of doubt, a policy purchased after the Competition Window cannot constitute a Valid Entry and will not be entered into the draw
  5. Entrants must be residents in the UK and aged 18 or over. Proof of age may be required. Entries on behalf of another person will not be accepted. Only one entry per person will be accepted. Multiple or incomplete entries will be deemed to be invalid. The Competition excludes:
    • an employee of any company within the AXA Group (“AXA Employee”) and any company owned by an AXA Employee or which is an associate, affiliate or subsidiary thereof, and any AXA Employee’s family member, agent or appointed representatives;
    • anyone connected with or involved in the administration of the Competition; or
    • customers who purchase Policy using a cashback website (including but not limited to TopCashback and Quidco);
    • (an individual complying with the conditions in this Clause 5 is an “Entrant”).
  6. Upon purchase of a Policy, an entrant complying with Clause 3 above shall be automatically entered into the Prize Draw (defined below).
  7. By entering the Competition, the Entrant is deemed to accept these Terms and Conditions and those of any relevant third party. Entries not complying with these Terms and Conditions will be invalid and will result in disqualification from the Competition. If these Terms and Conditions are not accepted in full, then Entrants should not enter the Competition.
  8. The Promoter will determine the winning Entrants by the first 12 Valid Entries chosen at random (each winning Entrant a “Winner”) (the “Prize Draw”). The Promoter’s decision shall be final and legally binding on all Entrants. No correspondence will be entered into. Details of the name of the Winner can be obtained by writing to AXA Services Limited, using martin.coughlin@axa-insurance.co.uk.
  9. The Prize Draw will take place within 90 days of the end of the Competition Window, and each Winner will be notified before the end of that period. The Promoter will contact each Winner by telephone and email, whereupon they may be asked to confirm the details of the account into which the funds should be paid. If the Winner does not wish to participate in the Competition or if the Winner does not within 30 days respond to the Promotor when contacted, the Prize shall be deemed forfeit and Promoter may (at its discretion) reallocate the Prize to a different Entrant by making another selection at random.
  10. If for any reason, after making payment to the Winner, the payment is remitted to the Promoter, it is the Winner’s responsibility to contact the Promoter to resolve the issue and must do so within 30 days of remittance, otherwise the Winner shall forfeit the Prize and the Promoter will be entitled to dispose of the Prize as it thinks fit.
  11. The Promoter accepts no responsibility for any damage, loss, injury or disappointment suffered by any person as a result of entering the Competition or as a result of accepting the Prize. The Promoter gives no warranty or guarantee in relation to the Prize. Nothing in these Terms and Conditions shall exclude the liability of the Promoter for death or personal injury as a result of its negligence.
  12. The Prize will only be sent to the Winner if and when the Promoter is satisfied of the Winner’s eligibility. The Promoter may at its discretion disqualify any Entrant if it has reasonable grounds to believe the Entrant has breached any of these Terms and Conditions. The Promoter may also exercise this discretion to select an alternative winner.
  13. The Promoter reserves the right to delay, postpone or cancel the Competition in the event of circumstances outside its reasonable control, which it considers make it necessary for it to do so.
  14. The Prize may be liable to tax. Any tax liability shall be the responsibility of the Winner. 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.
  15. The instructions provided at the point of entry form part of the Terms and Conditions of the Competition, and in the event of a conflict, these Terms and Conditions take precedence. The Promoter reserves the right to amend these Terms and Conditions at any time. Revised Terms and Conditions will be available at https://www.axa.co.uk/xmas-terms-and-conditions-2025. Please keep these Terms and Conditions for future reference. If an entrant does not wish to take part in the draw, they may contact martin.coughlin@axa-insurance.co.uk whereupon the entrant’s details will no longer be processed for the purpose of this Competition.
  16. If any of these Clauses should be determined to be illegal, invalid or otherwise unenforceable then the relevant Clause shall be severed and deleted from these Terms and Conditions and the remaining Clauses shall survive, remain in full force and effect.
  17. These Terms and Conditions shall be governed by and construed in accordance with English law and any disputes arising from these Terms and Conditions shall be subject to the exclusive jurisdiction of the Courts of England and Wales

Data Protection Notice

  1. “Personal Data” and “Processing” shall have the meanings set out in the UK General Data Protection Regulation (“UK GDPR”). Any reference to Personal Data includes a reference to sensitive Personal Data, as applicable, whereby sensitive Personal Data means Personal Data that incorporates such categories of data as are listed in Article 9(1) of the UK GDPR.
  2. By entering the Competition, the Entrant agrees that the Promoter may collect personal information from Entrants under the Data Protection Act 2018. The Entrant agrees that the Promoter may only use the personal information collected for the purposes specified in these Terms and Conditions.
  3. Each Entrant agrees that the Promoter may collect their full name and company email address (and, in the case of the Winner, their billing address, telephone number and bank account number and sort code), and that the Promoter shall only use the Entrant’s Personal Data for the following purposes:
    • to administer the Competition in accordance with these Terms and Conditions;
    • to notify the Winner that they have won the Competition and to arrange delivery of the Prize to them;
    • to notify other Entrants of the Winner should they so request;
    • to confirm with AXA Insurance UK plc that the Entrant is their customer, and the Entrant hereby consents to AXA Insurance UK plc sharing Personal Data with the Promoter for the purpose of this Competition; and
    • for the purposes of confirming the Competition Winner on the Promoter’s website, social media and within promotional emails. The Winner may be asked to participate in PR or publicity activities resulting from the Competition. No compensation shall be awarded for such participation.
  4. Unless the Entrants expressly consented to the use of their personal information for future marketing purposes, the Entrants’ personal information will not be used by the Promoter for any purpose other than those listed above. The Promoter will not use the Entrants’ Personal Data to contact them about AXA Group products or services. 
  5. Personal Data shall be destroyed and/or deleted after the Competition unless otherwise agreed between the Promoter and the Entrant. 
  6. The Promoter shall comply with its obligations under (a) any law, statute, declaration, decree, directive, legislative enactment, order, ordinance, regulation, rule or other binding restriction (as amended, consolidated or re-enacted from time to time) which relates to the protection of individuals with regards to the processing of Personal Data to which a party is subject, including the Data Protection Act 2018 and the UK GDPR, any legislation enacted in the UK in respect of the protection of Personal Data; and (b) any code of practice or guidance published by the relevant regulatory body from time to time.