Trade Direct Insurance - Price Freeze Promotion Terms & Conditions

1. Promotion Overview

Customers purchasing a new business policy under the Zurich Scheme - Classic or Zurich Scheme - Plus will benefit from a price freeze at their first renewal. This means the premium paid at policy inception will remain unchanged for the first renewal, giving customers two years of fixed pricing.

2. Eligibility Criteria

To qualify for the price freeze:

• The policy must be a new business policy (not a renewal or mid-term adjustment).
• The policy must be purchased under one of the following: 

- Zurich Scheme - Classic

- Zurich Scheme - Plus

• All applicable Add-Ons & Endorsements must be purchased at the same time as the Public Liability (PL) policy to be included in the price freeze promotion. These include the optional package covers below that is over and above what is already included in your Classic or Plus policy:

- Tools Cover

- Contract Works

- Temporary Total Disablement Benefit

- Professional Indemnity

- Stock In Transit

- Plant Cover

- Jury Service Cover

- Electrical Wiring Professional Indemnity

- Failure To Perform (Efficacy) Cover

- Third Party Financial Loss

- Wood Working Machinery Cover

- Use Heat Cover

- Aerial Erection Cover

Note: Partial purchases or add-ons bought separately will not qualify. 

3. Exceptions to Price Freeze

The price freeze will not apply if:

• The customer makes a Mid-Term Adjustment (MTA) to the policy (e.g. change of address, business activities, or cover levels).
• The customer makes a claim during the policy period.
• The customer downgrades their policy package.
• The customer removes any add-ons that were originally included with the Classic or Plus policy.

4. Promotion Validity

• The promotion is valid for policies with an inception date between [Start Date] and [End Date].
• Policies can be purchased online or offline. There is no difference in eligibility based on purchase channel.

5. Renewal Terms

• The price freeze applies to the base premium* and included add-ons at renewal, provided no disqualifying changes (as listed in Section 3) have occurred.

- *The base premium refers to the cost of the insurance policy excluding Insurance Premium Tax (IPT), administrative fees, any applicable charges and any fees or interest accrued when paying via monthly instalments. It represents the net amount payable for the core coverage provided under the policy, prior to the addition of statutory taxes and service-related fees.

• Taxes, fees, or regulatory changes may still affect the final renewal price.

6. General Conditions

• This offer is non-transferable and applies only to the original policyholder.
• All standard policy terms and underwriting criteria apply.
  You are not eligible for this promotion if:

- You reside outside the UK

- You are under 18 years of age

• For any queries regarding this promotion, please contact:  enquiries@tradedirectinsurance.co.uk
• Trade Direct Insurance reserves the right to identify and decline fraudulent or manipulated claims. This includes, but is not limited to, cross-referencing customer details with public platforms used to exploit promotional offers.
• Trade Direct Insurance reserves the right to amend or withdraw any part of this offer at any time without prior notice.
• All decisions made by Trade Direct Insurance regarding this promotion are final. No correspondence will be entered into.
• These terms and conditions are governed by the laws of England and Wales. The Courts of England and Wales shall have exclusive jurisdiction.

Promoter: Trade Direct Insurance, Mill Pool House, Mill Lane, Godalming, Surrey, GU7 1EY