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2-Year Fixed Premium - Terms and Conditions

  • The 2-year fixed premium option is available for new Freedom Elite and Freedom Essentials policies with a start date of 1st October 2019 onwards.
  • If any changes are made to the policy which result in a change to the premium, the amended premium will be held for the remainder of the fixed price period. 
  • A 6% discount will apply to each year if the full annual premium is paid in advance. If you change your payment frequency from annually to monthly between the two policy years, the 6% annual payment discount will be lost in the second year.
  • Any change to the rate of Insurance Premium Tax (IPT) will be included in the renewal premium following the change.
  • This option is based on two separate, consecutive 12-month contracts.
  • We reserve the right to withdraw this option for new business at any time and without notice.
  • Excludes company policies.