1. CONTEST FORMAT
To qualify for a Prize a Contestant must correctly guess the Winning Numbers for a specified draw, which will have been preselected by Underwriters prior to the start of the Contest.
a. Prior to the start of the Contest, Underwriters will randomly select the Winning Combination and place it in a sealed security envelope. The security envelope (which will be marked with the time and date of the contest) will be sent to the Insured. The Insured must ensure that it is kept in a secure place and that it remains unopened until confirmation is received from Underwriters.
b. Contestants enter this Contest by making at attempt. An attempt will comprise of guessing a price between £5,000.00 - £14,999.99 to the nearest penny. Numbers may be selected multiple times. For example "£12,345.66". The numbers must be selected in the correct order.
c. All Contestants must complete an entry form (agreed in writing by Underwriters) to make their attempt. Once they have completed their entry form, this will be given to the insured.d. At the end of the Contest the Insured will send a copy of the attempts to Underwriters. Underwriters will check the attempts to see if any of them match the Winning Numbers, in the sealed envelope for the specified draw.
i. If any of the attempts match the Winning Numbers, Underwriters will inform the Insured in writing and the Insured will be required to return the security envelope for the relevant draw unopened. If the security envelope has been tampered with or opened this will result in a denial of any claim for that specified draw.
ii. If none of the attempts match the Winning Numbers, Underwriters will confirm in writing that the Insured may open the sealed envelope for the specified draw. After the sealed envelope has been opened there will be no opportunity to make a valid claim.
e. The terms and conditions of the Contest between the Insured and the Contestants must be agreed in writing with Underwriters. Any further change to the terms and conditions must be first agreed by Underwriters.
f. It is the Insured's responsibility to ensure that the Contest is legal and that any licenses or permits required to run the Contest are in place. Failure to ensure that the Contest is legal will invalidate any claim.
g. If the number of attempts at this Contest exceed the number of attempts specified in the schedule an adjustable premium will be due to Underwriters per additional attempt (as outlined in the schedule). Any additional premium is payable within seven days of the end of the month in which the additional attempts were made.
h. There will be a maximum of 10 attempts by any one Contestant at this Contest. If a Contestant exceeds their 10 attempt limit any additional attempts will be invalid.
2. CLAIMS
All potential claims should be notified to;
Worldwide Hole 'N One Claims Department,
Address: 21 Verulam Road, St Albans, Hertfordshire, AL3 4DG, England
Telephone 01727 843686,
Facsimile 01727 855089
E-mail: claims@wwsr.co.uk
Upon receipt of proof of claim Underwriters may conduct a reasonable investigation including, but not limited to, requiring the Insured to produce the potential Winner and any staff involved in the Contest for polygraph examination as a condition to payment of the claim if in the sole opinion of Underwriters such an examination is warranted by the facts.
Fraudulent claims
If the Insured, or anyone acting on their behalf, make a claim knowing it to be false or fraudulent in amount or in any other respect, this insurance will become invalid. This means Underwriters will not pay the false or fraudulent claim, or any subsequent claim.
1. Arbitration
The Insured agrees that any dispute under this insurance that may result in litigation to be resolved solely and exclusively in an English Court under English Law.
The Insured also agrees that that they are subject to the personal jurisdiction of that court and to the venue as the exclusive one for resolution of disputed claims.
In the event that a dispute cannot be resolved between the Insured and Underwriters necessitating a final court decision, the successful party is entitled to recover reasonable attorney's fees relative to the time expended by counsel.
2. Cancelling this insurance
The Insured can cancel this insurance at any time by contacting Underwriters or your broker.
Underwriters can cancel this insurance by giving the Insured thirty (30) days' notice in writing. Underwriters will only do this for a valid reason (examples of valid reasons are as follows):
3. Refund of Premium
Once the Contest has started there will be no refund of premium under this insurance.
If this insurance is cancelled prior to the start of the Contest provided there have been no attempts at the Contest and the Insured has not made a claim, the Insured will be entitled to a refund of any premium paid, subject to an administration fee, which will be a minimum of £100.
If Underwriters pay any claim, in whole or in part, or if any claim is pending then no refund of premium will be allowed.
4. Language and governing law
This insurance is written in English and all communications about it will be in English. Unless the Insured and Underwriters have agreed otherwise, this insurance will be governed by and construed in accordance with the law of England and Wales, or, if the Insured's registered office is in another part of the United Kingdom, this insurance will be governed by and construed in accordance with the law of that part of the United Kingdom.
5. Rights of Third Parties
A person or organisation who is not a party to this policy has no right under the Contracts (Rights of Third Parties) Act 1999 or any subsequent legislation to enforce any term of this policy but this does not affect any right or remedy of a third party which exists or is available apart from such Act.
Our aim is to ensure that all aspects of your insurance are dealt with promptly, efficiently and fairly. At all times we are committed to providing you with the highest standard of service.
In the event that you wish to make a complaint, you can do so at any time by referring the matter to:
Compliance Department,
Worldwide Hole 'N One Limited,
21 Verulam Road,
St Albans, Herts.
AL3 4DG
Tel: +44(0)1727 843686
In the event that you remain dissatisfied, it may be possible in certain circumstances for you to refer the matter to the Complaints team at Lloyd's. The address of the Complaints team at Lloyd's is:
Complaints
Lloyd's
One Lime Street
London
EC3M 7HA
Tel No: 020 7327 5693
Fax No: 020 7327 5225
e-mail: complaints@lloyds.com
Website: www.lloyds.com/complaints
Should your complaint be in relation to a decision outside of the control of Worldwide Hole 'N One Limited or any other matter we will acknowledge receipt and advise you, which company and/or underwriter will be dealing with your complaint and when you can expect to receive a further response.
Details of Lloyd's complaints procedures are set out in a leaflet "Your Complaint - How We Can Help" available at www.lloyds.com/complaints and are also available from the above address.
If you remain dissatisfied after Lloyd's has considered your complaint, you may have the right to refer your complaint to the Financial Ombudsman Service (FOS).
The contact details for the FOS are: The Financial Ombudsman Service, Exchange Tower, London E14 9SR. Telephone 0800 023 4567 (calls to this number are free from "fixed lines" in the UK) or 0300 123 9123 (calls to this number are charged at the same rate as 01 and 02 numbers on mobile phone tariffs in the UK). Email complaint.info@financial-ombudsman.org.uk
The Financial Ombudsman Service is an independent service in the UK for settling disputes between consumers and business providing financial services. You can find more information on the Financial Ombudsman Service at www.financial-ombudsman.org.uk.
Making a complaint does not affect your right to take legal action.
