Terms and Conditions for Refer a Member

Applies only to referrals received by PG Mutual before 31st December 2024.
When you apply for a policy using the Refer-a-Friend Scheme, we will send a One4All gift card (subject to availability) 90 days after the policy has started and full premium payments received.
The person you introduce must be admitted as a member of PG Mutual and complete 90 day’s membership.
Excludes cover uplifts.
The ‘friend, family or colleague’ must not be an existing member or employee of PG Mutual.
If the new policy is cancelled within the 30 day ‘cooling off’ period, gift cards will not be sent.
Gift card type is subject to availability and an alternative may be sent.
Gift cards cannot be issued on a retrospective basis. Applicant must inform us of their referrer at the time of application in order to qualify for a gift card.
The Society reserves the right to withdraw or amend this offer at any time without notice.
The promoter of this offer is PG Mutual.