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 Health Kit 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 providing access to the two months premium free offer and fulfilling any Health Kit.
• We reserve the right to withhold or cancel a Health Kit 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 the first two months premium free and a free Health Kit. The Health Kit is subject to the payment of your first premium following the two months premium free period. To qualify, you must:

• Take out a new plan online between 1 January and 31 March 2026.
• Pay your monthly premiums by Direct Debit.
• Keep your plan active for at least 1 month and pay one monthly premium following the two month free period.

How it works

• The first two months of cover are provided free of charge (“Free Period”). No premium payments will be collected during this time.
• Premium payments will commence from the third month following the policy start date. By enrolling, you authorise PG Protect to begin collecting premiums from the nominated payment method from month three onwards.
• After your first monthly payment has been successfully collected, a Health Kit will be sent by post 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 your first monthly payment, you will not be eligible to receive a Health Kit. This does not affect any entitlement to a refund due where the plan is cancelled within the 30-day cooling off period.
• This promotion ends on 31 March 2026.