Mutual benefits 2025

Terms and conditions

General Terms and Conditions applicable to the Mutual Benefits offer 2025 (the “Offer”).

  1. The Offer applies only to insurance policies sold by Wesleyan.
  2. The Offer is only available to customers who are qualifying members of the Society and With Profits policyholders (excluding those whose only policy is a pension policy).
  3. The Offer is only available through our advised service for which a fee applies.   There is no guarantee that the money you could save by using the Offer will be more than the cost of using this advised service.
  4. To claim the Offer, please let Wesleyan know that you are entitled to a reduction in your insurance premiums when you apply for an insurance policy.
  5. The Offer does not affect your statutory cancellation rights.
  6. No cash alternative will be offered.
  7. We are unable to offer insurance in the Channel Islands or the Isle of Man.
  8. Any offer of insurance is dependent on the risks being acceptable to underwriters and exclusions may apply.
  9. If the policy is cancelled the refund will be calculated in relation to the proportion of time you held the policy before any refund is paid on cancellation, after the discount and less any charges or fees.
  10. These Terms and Conditions apply in addition to the Wesleyan General Insurance Terms of Business Agreement and are subject to the law of England and Wales and the exclusive jurisdiction of the English and Welsh courts.
  11. Personal data supplied during the course of these Offers will be processed in accordance with Wesleyan's privacy policy.
  12. None of Wesleyan or any of their agents or distributors will in any circumstances be responsible or liable to compensate participants or accept any liability for any loss, damage, personal injury or death occurring as a result of taking up the Offer(s) except where it is caused by the negligence of Wesleyan or their employees. Your statutory rights are not affected. 
  13. Participants are deemed to have accepted and agreed to be bound by these terms and conditions upon taking out a relevant policy. 
  14. Wesleyan reserve the right to refuse to award the Offers to anyone in breach of these terms and conditions. 
  15. These Terms and Conditions apply in addition to the Wesleyan Financial Services Ltd General Insurance Terms of Business Agreement.   
  16. Wesleyan reserves the right to replace the product options with an alternative or withdraw the Offer(s) at any time in its absolute discretion.
  17. In the event of fraud, abuse, and/or an error affecting the proper operation of the Offers, Wesleyan reserves the right to end or suspend the Offers and/or amend these terms and conditions.  
  18. Limits, exclusions and charges do apply. Full terms and conditions of the relevant policies and cover, including the policy benefits and exclusions, will be contained in the relevant policy wording and policy summary.

Specific Terms and Conditions applicable to the Offer 2025.

  1. Members qualifying to receive the Offer will be entitled to 20% off the total premium of the insurance policy only excluding any ancillary products, fees and charges (subject to the limit set out at paragraph 9 below).
  2. The Offer can only be used by the Member for an insurance policy where they are the policyholder and it is not transferable.
  3. The Offer can be used alongside additional discounts that may be offered by Wesleyan.
  4. The Offer can only be redeemed against applications for: a. home insurance (buildings, contents or combined), car insurance (including family fleet), high value home insurance, high value car insurance, non-standard home insurance, landlord's insurance and specialist home insurance. b. travel insurance made online. c. surgery insurance and other commercial insurance products.
  5. If you would like a list of all personal and commercial insurance products that we offer, please contact us on 0808 301 4440.
  6. The Offer is only valid in respect of insurance policies which come into effect on or after 1 January 2025 and before midnight on 31 December 2025.
  7. The Offer is only available with approved policy applications.
  8. The Offer is only available as one discount per policy, but you can use your Mutual Benefit discount on multiple products.   
  9. The maximum total discount that can be claimed under the Offer is £25,000 across all products.