Terms and conditions for our year's free cover competition

Taking part

• To enter, complete the SMS sign-up pop-up on our website and agree to receive SMS alerts from HEA.

• The promotion runs from 27/10/2026 - 31/12/2026. We may announce further monthly draws after this date.

• You must be aged 18 or over and live in the UK.

• You don't need to buy a policy to enter.

• Each monthly entry period closes at 23:59 UK time on the last day of the month.

• Your entry will only be included in the draw for the month you sign up. It won't be carried over to future draws.

• Only one entry per person and one prize per household.

• HEA employees and their family members can't enter.

Choosing and contacting the winner

• One winner will be selected for each monthly draw by the 5th of the following month.

• The winner will be chosen at random from eligible entries using a random number generator. The adjudicator's decision is final, and we won't enter into correspondence about the result.

• We'll contact the winner by phone or SMS within 5 days of the monthly entry period closing using the number provided when entering.

• If we can't reach you by phone, we'll send an SMS asking you to contact us. If you don't respond within 7 days of that message, we'll draw another winner.

• It's your responsibility to provide a correct contact number.

Your prize

• If you haven't purchased cover from us, you'll receive one year of Supercharged Complete Cover, worth £107.20, with a £95 excess (boiler service not included).

• If you've purchased a qualifying product and paid annually, we'll refund your premium up to a maximum of £107.20.

• If your annual premium is less than £107.20, we'll refund it in full. You won't receive the difference between your premium and £107.20.

• If your annual premium is more than £107.20, your refund will be £107.20.

• If you've chosen to pay monthly for a qualifying product, we'll stop the remaining payments for that policy year, and refund any monthly payments you've already made, up to a value of £107.20.

• We may need additional information to arrange your cover, process your refund or stop your monthly payments. It’s your responsibility to provide the information we request.

• When we contact you, we’ll confirm the details needed to arrange your prize, including your free cover start date or the timing of your refund and any changes to monthly payments.

• Any cover awarded is subject to the policy’s eligibility requirements, terms, limits and exclusions, including the £95 excess. We’ll provide the relevant policy information when arranging your cover.

• The prize cannot be transferred to someone else. No cash alternative is available, except for the policy refund described above.

Your information and SMS alerts

• We’ll use your information to administer the prize draw and contact you if you win. You can find more information in our privacy policy.

• The SMS sign-up will explain which alerts you’re agreeing to receive and how to unsubscribe. You can withdraw your consent at any time.

Other terms

• We reserve the right to disqualify entries that we reasonably believe do not meet these terms and conditions, or anyone we reasonably believe has interfered with the fair running of the prize draw.

• The relevant policy terms, terms of business and cancellation conditions continue to apply.

• If circumstances beyond our reasonable control make changes to the promotion necessary, we’ll communicate those changes and take reasonable steps to avoid disadvantaging entrants.

• You can request the winner’s surname, initial and county of residence by emailing marketing@homeemergencyassist.com. Winners can object to this information being shared or ask us to limit what we share.

• The promoter is HEA, Arena Business Centre, Holyrood Close, Poole, Dorset, BH17 7FJ.