Competition Terms and Conditions

General Terms and Conditions

1. These rules and any other rules specified by Sterling Insurance or any of its group of companies (the “Company“) from time to time (“Competition Rules“) apply to any competition which is run by or on behalf of the Company (“Competition“). By taking part in a Competition, you agree to be bound by the Competition Rules and by the decisions of the Company which are final in all matters relating to the Competition. The Company reserves the right to disqualify any entrant and/or winner in its absolute discretion for any reason and without notice in accordance with the Competition rules.
2. All entries must be received at the place specified during the period in which the Competition is open and late or incomplete entries will be disqualified. Proof of posting (if relevant) shall not be deemed proof of delivery. No responsibility can be accepted for entries which are lost, delayed, misdirected or corrupted during delivery to the place specified for any reason whatsoever.
3. Entries must be submitted by an individual (not via any agency or similar) and, unless otherwise stated, are limited to one per household. Prizes may be provided by a third party sponsor of the Competition. The Company reserves the right in its sole discretion to substitute any prize with cash or a prize of comparable value.
4. The winning entry will be that which has met the entry criteria and which most closely meets the Competition criteria specified.
5. Unless otherwise stated, each Competition is open to all GB residents of 17 years and over, except employees of: (a) the Company; and (b) any third party appointed by the Company to organise and/or manage the Competition; and (c) Competition sponsor(s).
6. By entering a Competition you:
   1. grant the Company, any third parties appointed by the Company for the purpose of organising and/or managing the Competition and the Competition sponsor(s) permission to use your name and likeness for the purpose of organising and/or managing the Competition, for announcing the winner of the Competition and for related promotional purposes; and
   2. grant the Company and any Competition sponsor(s) the right to use your personal information to send you information about their respective products and services which may be of interest to you. If you do not wish to receive this information, please follow the instructions given.
   3. accept that all entries will become the property of the Company upon receipt and will not be returned. You will retain all rights you have in the copyright and other intellectual property rights comprising the Competition entry but, by entering the Competition, you grant the Company and its licensees the right free of charge to republish your Competition entry;
   4. waive any moral rights or similar rights you have in your Competition entry whether such rights arise pursuant to the Copyright, Designs and Patent Act 1988 (the “Act”) or equivalent legislation anywhere in the world; and
   5. warrant to the Company that the Competition entry is wholly original to you and not wholly or substantially copied from any other material and that the Competition entry does not defame, cause injury to or invade the privacy of or otherwise infringe or violate any statutory, common law, regulatory or intellectual property rights of any third party.
7. You may be offered the chance to subscribe for a free newsletter or other service of the Company but failing to do this will not disqualify you from a Competition.
8. If you are a winner, you may have to provide additional information (including, without limitation, proof of age or identity) and/or complete additional documents and return them to the Company within a specified period. Failure to provide additional information and/or complete additional documents within the required time period, or notification returned as undeliverable as addressed will result in your disqualification as a winner and an alternative winner will be selected.
9. The name(s) of the winner(s) and details of the winning entry or entries will be sent to anyone who requests the same within three (3) months of the closing date of the Competition. Requests should be sent to the postal or email address for competition entries and, if postal, should be accompanied by an SAE.
10. If you are a winner of a Competition:
    1. the receipt by you of any prize is conditional upon you complying with any and all applicable laws, rules and regulations including, without limitation, the Competition Rules;
    2. you acknowledge and agree that neither the Company or any Competition sponsor(s) or any of their employees, agents or subcontractors shall have any liability to you whatsoever in connection with your use and/or possession of your prize, provided that nothing in these Competition Rules shall exclude or limit the liability of any party for personal injury or death caused by negligence or for anything else which cannot be excluded or limited by law.
11. Unless otherwise stated, the Company is the promoter of the Competition.
12. If any of these rules are deemed to be illegal, invalid or otherwise unenforceable, the affected rules shall be deleted from these Competition Rules but the remaining rules shall continue in full force and effect.
13. These Competition Rules and each Competition are governed by English law. Any disputes arising between the Company and any third party in relation to these Competition Rules and/or a Competition shall be subject to the exclusive jurisdiction of the courts of England and Wales (save that the Company shall be entitled to take action against a third party in any other jurisdiction).
14. Sterling Insurance reserve the right to publish the pictures on social feeds.

Win the cost of your Learner Driver insurance policy back competition

This is a competition to win the cost of your Learner Driver insurance policy back by following Sterling on Instagram.

1. The winner of this competition will be announced on the Sterling Insurance Social Media account within the first 5 days of the month. 
2. If the winner doesn’t claim their prize within 48 hours of the announcement Sterling Insurance reserves the right to reallocate the prize to another entrant.
3. The winner of this Competition will get the cost of their insurance policy back;
   1. If the winner has paid monthly they will be refunded any premium already paid within 14-21 days of the winner being announced and the rest of the premium will be paid in full by Sterling Insurance.
   2. If the winner has paid their annual premium in full this will be refunded within 14-21 days of the winner being announced. 
4. The entry will be reviewed to ensure all stages have been completed. 
5. Each calendar month represents a new round of the competition, with a new prize. All entries posted on Instagram before or after that calendar month will not count for that round.
6. When entering on the competition page the email given must be the one on your policy.
7. One competition entry per policy.
8. The Competition is open to all new customers who purchase a learner driver policy and follow Sterling Insurance Instagram account. 
9. This Competition is ongoing and there will be a winner announced monthly. 
10. By entering the competition, the winner consents to take part in any publicity accompanying or resulting from this promotion, and for his/her name and county to be used for publicity purposes by Sterling Insurance in printed and/or online formats
11. The prize must be accepted as offered, is not transferable nor refundable
12. No cash alternative is available
13. Maximum amount allowed for the free insurance is £500
14. Sterling Insurance reserve the right to publish the pictures on social feeds, the Sterling Insurance website, and public posts relating to the competition
15. Sterling Insurance reserve the right to feature the name of the prize winner in future promotions
16. This prize is in no way affiliated with Instagram