Avios Car Insurance - Avios Award

Avios Car Insurance Promotion Terms and Conditions

A. This offer of Avios through the purchase of an Avios Insurance car insurance policy (“Offer”) is provided by Avios Group (AGL) Limited (“AGL”), a company incorporated in England and Wales whose registered office is at Waterside, Speedbird Way, Harmondsworth, United Kingdom, UB7 0GB, registered company no. 02260073 ("we", "us", "our", "AGL"). These terms govern the Avios promotional offer only. The car insurance policy is arranged and administered by Open Insurance Services UK Limited (“Open”) as set out below. These Terms and Conditions are effective from 30 October 2026.

B. To be eligible for this Offer, customers must (“Eligible Participant”):

1. be at least 18 years old;
2. be resident in England, Scotland or Wales;
3. be a member of The British Airways Club (“BAC”) and accept the BAC Terms and Conditions. For full details of the BAC Terms and Conditions please visit https://www.britishairways.com/content/the-british-airways-club/about-the-club/terms-and-conditions;
4. purchase an Avios Insurance car insurance policy; and
5. be the policyholder named on that policy.

C. To collect Avios, an Eligible Participant must link the policy to their BAC account by adding their BAC membership number in the customer portal. Named drivers on the policy are not eligible to collect Avios in respect of that policy. Where an Eligible Participant has already linked their BAC account to their email address on a previous Avios Insurance policy, the link will carry across and they do not need to link again.

D. Avios are issued by Avios Group (AGL) Limited and are subject to acceptance of and compliance with AGL's Terms and Conditions. Avios have no monetary value, are non-transferable, and cannot be refunded nor exchanged, except when redeemed in accordance with AGL's Terms and Conditions. For full details of the Avios Terms and Conditions, please visit https://www.avios.com/en-GB/terms-and-conditions.

E. The Avios award for each eligible policy is the amount shown to the Eligible Participant at the point of sale. For a renewal, the award is the amount shown in the renewal invitation. The award is set by us and may be a fixed amount or calculated as a rate per £1 of premium paid (including Insurance Premium Tax) and may vary by product or on a promotional basis. Any fractional amount is rounded down to the nearest whole Avios. The award is based on the annual premium for the policy as purchased, whether that premium is paid in full or by monthly instalments, and does not change following any later adjustment to the policy during its term. Interest and any charges for paying by instalments are excluded from the amount used to calculate the award.

F. Avios will be issued one hundred and fifty (150) days after the start date of the policy shown on the policy schedule (“Start Date”), provided that on that date:

1. the policy remains in force and has not been cancelled by the Eligible Participant or by the insurer at that date;
2. where the premium is paid by instalments, no instalment is overdue at that date; and
3. the Eligible Participant has linked their BAC account.

If an instalment is overdue on that date, the Avios will instead be issued once the overdue amount has been paid, provided the policy remains in force. Where the BAC account is linked after that date and within the window stated in clause H, Avios will be credited to the Eligible Participant's BAC account following the linking event. It may take up to forty-five (45) days after issue for the Avios to appear in a member's statement.

G. If the policy is cancelled before the date the Avios are due to be issued under clause F, no Avios will be issued. This does not apply where the insurer cancels the policy for reasons that are not the Eligible Participant's fault. In that case the Avios will still be issued on that date. Once the Avios have been issued, they will not be taken back if the policy is later cancelled, unless the insurer cancels the policy, or treats it as never having been in force, because of misrepresentation, non-disclosure, fraud or non-payment of premium, in which case any Avios awarded for that policy may be debited from the Eligible Participant's BAC account.

H. Eligible Participant must link their BAC account within one hundred and fifty (150) days of the Start Date to receive the Avios award. Retrospective claims for Avios after this period are not permitted.

I. This Offer applies to one (1) Avios Insurance car insurance policy per Eligible Participant per vehicle per policy term. Where a policy renews, the renewal is treated as a new purchase for the purposes of these terms and conditions, and the renewal date is treated as both the date of purchase and the Start Date. A renewed policy is eligible for a further Avios award, and clauses B, E, F, G and H apply to it in the same way as they apply to a policy purchased for the first time.

J. AGL reserves the right to modify, suspend, or withdraw this Offer at any time, for whatever reason, and without any liability to Eligible Participant for doing so. Any change will not affect Avios already collected, or any policy purchased or renewed before the change takes effect. The current version of these terms and conditions is published on https://insurance.avios.com/tcs.

K. For missing Avios queries please contact support@e.insurance.avios.com. Missing Avios claims must be made within ninety (90) days of the date the Avios were due to be issued.

L. AGL reserves the right to terminate an Eligible Participant's participation in this Offer if it believes the Eligible Participant is in breach of these Terms and Conditions, or if their use is unauthorised, fraudulent, or otherwise unlawful.

M. Promotional materials form part of these Terms. These Terms and Conditions will prevail in the event of any conflict between these and the promotional materials.

N. Your Avios Insurance car insurance policy is arranged and administered by Open Insurance Services UK Limited, which is authorised and regulated by the Financial Conduct Authority (firm reference number: 988625) and registered in England and Wales (company number: 09365669). You can confirm this on the Financial Services Register at www.fca.org.uk/register. Avios Insurance is a trading name of Avios Group (AGL) Limited, which is an Appointed Representative of Open Insurance Services UK Limited. This Offer is separate from your policy and it does not change the terms of your policy or your rights under it, including your right to cancel the policy. Avios Group (AGL) Limited is registered in England and Wales (company number: 02260073) and is not part of the same corporate group as Open Insurance Services UK Limited. For the terms and conditions of your policy, please visit insurance.avios.com.

O. If any provision (or part of a provision) of these Terms is found to be invalid, unlawful or unenforceable, that provision will apply only to the extent it is valid, or be treated as removed if it cannot apply at all. The remaining provisions will continue in full force and effect. If AGL does not enforce, or delays enforcing, any of its rights under these Terms, that will not mean it has given up that right or any other right, and AGL may still enforce it later.

P. Insofar as is permitted by law, neither AGL (nor any of our agents or distributors) shall in any circumstances be responsible or liable to compensate an Eligible Participant, or accept any liability to an Eligible Participant (whether direct, indirect, special, incidental, exemplary, punitive or consequential) for any loss, damage, personal injury or death arising out of or in connection with their participation in the Offer whether such liability arises from any claim based upon contract, warranty, tort (including negligence), strict liability or otherwise, and whether or not we (or our affiliates) have been advised of the possibility of such loss, damage, personal injury or death. Statutory rights of Eligible Participant are not affected.

Q. By taking part in this Offer, Eligible Participant agree to the personal data they supply being used by AGL and Open, or their agents or subcontractors, for the sole purpose of administering this Offer.

R. This Offer shall be governed by the laws of England & Wales and subject to the exclusive jurisdiction of the English Courts, but not exclusively if the Eligible Participant is a resident of the United Kingdom outside England and Wales; in that case the courts of Scotland or Northern Ireland (depending on the Eligible Participant's jurisdiction) also have jurisdiction.

S. AGL does not assume any responsibility for any typographical, clerical or other error in the administration of the Offer and comply with legal obligations (including tax obligations) as set out in AGL's Privacy Policy and Open's Privacy Notice.

T. AGL's decision regarding any aspect of the Offer is final and binding and we will not enter into correspondence with Eligible Participant (or their representatives) about it.

U. This Offer is non-transferable and cannot be used in conjunction with any other AGL offer or promotion, unless expressly stated otherwise.