Commercial and Property Insurance
Eligibility
- This offer is available to both new and existing customers seeking commercial and property insurance arranged through IPH.
- The offer applies to selected commercial and property insurance policies arranged through IPH and designated by IPH as eligible for the IPH Price Match Offer.
- Customers must provide a valid competing quotation or renewal notice from a UK-authorised insurer, broker or intermediary.
- The competing quotation must be current, unexpired, issued by an authorised insurer or intermediary, and based on materially the same risk information, cover, limits, claims history, sums insured, and underwriting information provided to IPH.
- The competing quotation must be submitted with supporting evidence acceptable to IPH, including a quotation, renewal notice, schedule, screenshot, or similar documentation.
Price Match Offer
- IPH may, at its sole discretion, offer an equivalent or lower premium than a valid competing quotation where the cover and terms are considered comparable.
- Price match requests are subject to insurer availability, underwriting criteria, risk acceptance, policy suitability, minimum premiums, and insurer approval where required.
- Quotations containing cashback offers, introductory discounts, voucher codes, loyalty rewards, referral incentives, or other promotional incentives may be excluded from the offer.
- IPH reserves the right to decline any request where the competing quotation contains an error, omission, technical issue, or pricing mistake.
Timing
- Price match requests and supporting documentation must be submitted and approved before the policy is purchased, renewed, or incepted.
- Requests received after policy inception or renewal will not be eligible.
- No retrospective price matching, refunds, premium adjustments, credits, or other educations will be provided after purchase or renewal.
General
- There is no fee for requesting an IPH Price Match quotation.
- If the customer requests additional, increased, or amended cover, an additional premium may apply.
- The IPH Price Match Offer cannot be used in conjunction with any other IPH promotion, discount, incentive or special arrangement unless agreed by IPH.
- IPH reserves the right to amend, suspend, withdraw, or replace this offer at any time.
- IPH’s decision regarding eligibility for, and application of, this offer shall be final.
- Customers are responsible for ensuring that any competing quotation and policy meet their requirements before making a purchasing decision.
- IPH is authorised and regulated by the Financial Conduct Authority (FCA).
- Nothing in these terms affects a customer’s statutory or regulatory rights.