Terms & Conditions

• The promoter of this offer is Personal Group Benefits Ltd. PG Protect is a trading name of Personal Group Benefits Ltd.
• It is the customer’s responsibility to provide a valid and active email address at the time of sign-up. PG Protect is not responsible for undelivered or misdirected emails.
• PG Protect reserves the right to withdraw or amend this offer at any time without prior notice.
• The offer is limited to one Gift Card per customer. Customers who have previously taken out and cancelled a PG Protect plan may not be eligible for this promotion.
• PG Protect may request proof of identity in line with anti-fraud and anti-money laundering regulations before fulfilling any Gift Card.
• We reserve the right to withhold or cancel a Gift Card where there is evidence or reasonable suspicion of misuse or abuse of the offer.
• This promotion is not transferable and cannot be used in conjunction with any other offer.

About this offer

This promotion gives you a Love2Shop Gift Card based on 6 months gross premiums paid (inclusive of IPT – Insurance Premium Tax), rounded up to the nearest £5, capped at £300.

To qualify, you must:

• Take out a new plan online before 31 December 2025
• Pay your monthly premiums by Direct Debit
• Keep your plan active for at least 6 months, paying six monthly premiums

How it works

• You pay your premiums each month as normal
• After your sixth monthly payment, we’ll send you a Love2Shop Gift Card up to the value of 6 months’ premiums. Minimum value £75, maximum value £300. Values will be rounded to the nearest £5.
• Your Love2Shop Gift Card will be sent to you within 30 days.

Other important things to know

• The offer is only for new customers who sign up online.
• If you cancel your plan before you’ve made 6 monthly payments, you won’t get a Gift Card. This does not affect any entitlement to a refund due where the plan is cancelled within the 30-day cooling-off period.
• The Gift Card is for the value of your premiums only – it doesn’t include claims or other payments.
• This promotion ends on 31 December 2025.

Love2Shop Gift Card Terms (Summary)

• For purchases exceeding the gift card balance, the difference must be paid using another method.
• The gift card balance is not protected by the Financial Services Compensation Scheme but is held on trust. Details are available on the Love2Shop website.
• The gift card must not be resold.
• By using the card, you are deemed to accept the full Love2Shop terms and conditions, which can be found on their website.