1. Who can take up this Offer?

• You need to have switched your home insurance policy from another insurer to Clydesdale Bank. You must have received a cancellation charge from your previous insurer for the switching.
• You must have switched to an equivalent type of home insurance policy. For example, if you are switching from a combined buildings and contents policy, you need to have switched to a combined buildings and contents policy.
• The buildings and/or contents must belong to the policy holder(s) only.
• The first-named policy holder must be the same for your previous and new policies.
• You can only take part in this Offer once a year. You can only take part for one household.
• Unfortunately, you can’t take part if:
  - you are employed by RSA.
  - you are switching between Clydesdale Bank and Yorkshire Bank policies.
  - you already have a Clydesdale Bank or Yorkshire Bank home insurance policy. For example, if you are taking out an additional policy for a second home.
  - you change your mind about taking out your new policy within the 14-day cooling off period.
  

2. How do you take up this Offer?

• You’ll need to complete and e-mail us your switcher claim form. Send your form to the RSA e-mail address (cancellation.refund@uk.rsagroup.com) noted on the form. You have 90 days from when you receive your cancellation charge. You’ll need to include any evidence we’ve requested too.
• If you do not have access to an email address, you can post your form to: RSA, Level 2, Newhall Place, Old Hall Street, Liverpool, L69 3EN
• If you are claiming for more than one cancellation charge, use one claim form. We’ll treat this as one claim.

3. What is the Offer?

• We will pay your policy cancellation charges, up to £100.
• If you are cancelling two separate policies, you might incur two separate charges. For example, if you have separate buildings and contents policies. If this is the case, the maximum total we will pay is £100.
• We can only pay cancellation charges. This means we can’t pay any other expenses or fees.
• You can only take up this Offer once for each Clydesdale Bank policy.

4. How do I receive my payment?

• We will send your payment by cheque. We will send this within 30 days of receiving your valid claim form.
• Cheques are made out to the policy holder(s). RSA will send these to the address we have registered for the policy holder(s).

5. What else do you need to know about our Home Insurance?

• Clydesdale Bank Home insurance policies are underwritten and administered by our partners at RSA.
• We don’t provide advice in relation to home insurance policies. This means that you will need to make sure the policy covers your needs.
• When you are cancelling any home insurance policy, check your timescales to make sure you have cover in place at all times.
• If you cancel your existing policy before it’s due to end, you might not benefit from any “no claims” benefit under that policy. We aren’t responsible is this happens.
• Our home insurance policy terms and eligibility criteria apply to any policy you take out. You can find more details here

6. What else do you need to know about this Offer?

• We’ll use your personal information to help us run this Offer. You can find out more in our privacy notice at https://secure.cbonline.co.uk/site-information/legal-privacy/fair-processing-notice/
• Only English law applies to this Offer.
• If something goes wrong, we’ll try to fix it. If we can’t because it’s something we can’t reasonably control, or it’s not our fault, then we may have to make changes to this Offer. This includes suspending or ending it early. We can make such changes without giving you notice. However, we’ll try our best to avoid making changes. And we’ll try to minimise any disappointment to you when we make changes.
• We expect to provide this Offer on an ongoing basis, but we can withdraw it at any time without notice.
• On the odd occasion, disputes happen in relation to Offers. We really hope to avoid them! If any problems come up, we will try to resolve them quickly. We’ll make the final decision in relation to any issues relating to the running of this Offer.
• If you have any queries about this Offer, please direct them to us at Virgin Money.

7. Who are we?

• We like to call ourselves Virgin Money but our official name is Clydesdale Bank PLC.
• We’re registered in Scotland at 30 St Vincent Place, Glasgow, G1 2HL.
• Our company number is SC001111.
• Our home insurance is administered and underwritten by Royal & Sun Alliance Insurance PLC (“RSA”). Their registered office is St Mark’s Court, Chart Way Horsham, West Sussex, RH12 1XL.