SMEi Christmas Countdown Competition 5 days to go!

The Countdown to Christmas competition is now over. Congratulations to Dawn Facey, winner of day 6 of the competition. You will be receiving a £50 OpenTable voucher. Thank you to Dawn and everyone else  who took part. Please keep an eye out for more competitions.

PRIZE: £50 OpenTable voucher

It’s day six of our Countdown to Christmas competition and we’ve got a £50 OpenTable gift card to give away. The problem is the SMEi elves have hidden gifts all over our website and we’re having trouble locating them. Help us find the Santa Hat and you could win today’s prize. If you need a clue think of where you might reserve a table using the OpenTable service.

Send us your answer with a link to page it's on here

We’ve got four more gifts to give away before Christmas day. Also, everyone that enters any of our Countdown to Christmas competitions will be automatically entered into a special prize draw to win hotel vouchers worth £100. So, follow us on Facebook to make sure you don’t miss any of our daily competitions.

Don't forget we offer insurance for the following businesses. If you're interested in finding out more please click on the links below:

Terms and Conditions:

These Terms & Conditions refer to the SME Insurance Christmas Countdown: Find the Santa Hat competition.

  1. Terms & Conditions:
  • SME Insurance will also be referred to as SMEi,, and the Promoter within these Terms & Conditions
  • The competition is open only to residents of the UK, and entrants are subject to acceptance of these Terms & Conditions.
  • If you are under 18 you must have a parent or legal guardian’s permission to enter.
  • By entering this competition all participants will be deemed to have accepted and be bound by these Terms & Conditions. All entry instructions form part of these Terms & Conditions.
  • All competition entries are subject to Facebook’s and Twitter’s terms of use, which can be viewed at and
  • This promotion is in no way sponsored, endorsed or administered by, or associated with Facebook or Twitter. The information you provide will only be used for the competition by SMEi, not Twitter or Facebook.
  • By entering the competition all participants accept that they will have no claim against SMEi, Facebook or Twitter whatsoever and agree to give SMEi, Facebook or Twitter a complete liability release from any and all legal liability in connection with the promotion.
  • Employees or agencies of, their family members, or anyone else professionally connected with the Promoter or promotion may enter the competition but they will not be selected as a winner.
  • accepts no liability or responsibility for entries lost, delayed, misdirected, incomplete or undelivered, nor any liability for technical errors or communication failures in networks and/or internet access or for any other reason. Proof of submitting an entry will not be accepted as proof of receipt by the Promoter.
  • and partners reserves the right at any time to change, update or amend these Terms & Conditions. An updated version of the Terms and Conditions would be published as soon as possible.
  • The Promoter reserves the right at any time and from time to time to amend, discontinue, temporarily or permanently withdraw this competition and these Terms & Conditions without prior notice due to reasons outside their control, and the entrant agrees that no liability shall be attached to the Promoter as a result thereof.
  • The Promoter reserves the right to cancel or amend the promotion and these Terms and Conditions without notice in the event of a catastrophe, war, civil or military disturbance or any actual or anticipated breach of any applicable law or regulation or any other event outside of the Promoter’s control. Any changes to the promotion will be notified to entrants as soon as possible by the Promoter.
  • This promotion and these Terms & Conditions of entry are governed by UK Law and the courts of the UK shall have exclusive jurisdiction over any dispute arising out of or in connection with this promotion.


  1. Competition details:
  • The promotion begins at 12:00am GMT on Wednesday 20 December 2017 and closes at midnight on Sunday 24 December 2017. Winners will be announced in the days following this closing date.
  • All entries must be submitted between these dates. Any entries received before or after this closing date will not be accepted.
  • Incomplete entries, entries on behalf of another person and joint or syndicate entries will not be accepted.
  • SMEi is not obliged to publish or promote every submitted entry via their social media pages.
  • The promoter reserves the right to refuse any entry that is believed to be in breach of the Terms and Conditions.
  • Entries will not be considered as part of this promotion if, at the sole discretion of, they contain language or images that are in any way threatening, abusive, offensive, defamatory, invasive of another’s privacy, in breach of confidence, embarrassing to any person or likely to deceive any person, hateful, bullying, blasphemous, obscene, vulgar, pornographic, threatening, or racist, sexist, ethnically discriminatory or otherwise objectionable or which constitutes or encourages conduct that would be considered a criminal offence or otherwise contrary to and violate any law.
  • Entries must not contain any material which is defamatory of any person, or is obscene, offensive, discriminatory, illegal, hateful or inflammatory; be threatening, abusive or invade another’s privacy, or cause annoyance, inconvenience or needless anxiety; or be likely to harass, upset, embarrass alarm or annoy any other person. SMEi reserves the right to refuse any entry which it considers contravenes these provisions or for any other reason at its absolute discretion.
  • The entrant agrees to the use of their submission being used for further promotional purposes by SMEi, and for any PR purposes, which may arise regarding the competition.
  • One correct entry will be selected at random to receive £50 of Open Table vouchers, and will not be judged on any criteria.


  1. Competition entry requirements:
  • This competition involves entrants finding the Santa Hat located on the SME Insurance website and filling in the answer and requested details on the entry form:
  1. Website:
  • Entries must be submitted and live by the closing date of midnight of Sunday 24 December 2017.
  • The winners will be selected at random, with each entrant gaining a single entry.
  • The competition prize is eligible only to entrants living in the UK.
  1. Safety and precautions:
  • will not be liable for any accidents or injuries to the entrants or other parties sustained as a result of this competition.
  • By entering the competition the participant agrees to release the Promoter from any liability whatsoever for any claims, costs, injuries, losses, or damages of any kind arising out of or in connection with the promotion or with the acceptance, possession, attendance at or use of any prize (except death or personal injury caused by the Promoter’s negligence, for fraud, or otherwise as prohibited by law).
  • Please only send an entry which you are happy to be included on our social pages and in our online gallery.
  1. Competition winners:
  • There will be one winner selected at random from entries that satisfy the criteria listed in the Terms & Conditions.
  • The competition winners will be selected at random and will not be based on any elements of the entry submitted, and the adhering to the Terms & Conditions.
  • The winners will be selected and notified by SMEi after the closing date of midnight of Sunday 24 December 2017 and as soon as possible thereafter.
  • The winners will be notified by email using the details provided on the entry form. These details will not be published online or sold to third parties.
  • The prizes for the one winner will be:
  • One winner will receive £50 of Open Table vouchers
  • Prizes will be issued as soon as reasonably practicable following notification, however winners should allow for at least four weeks before they receive their prize.
  • In the event of unforeseen circumstances or availability the promoter reserves the right to substitute any prize or provide alternative prizes of equal or greater value without giving notice.
  • The prizes are non-transferable.
  • In all cases the promoter’s decision is final and no correspondence about this decision will be entered into.
  • To ensure fairness and the integrity of the promotion to all participants, the Promoter will not enter into discussions regarding the running of this promotion via Facebook or Twitter or through direct contact.
  • Any entrant posting or seen to be posting comments, images to SMEi’s website, Facebook or Twitter pages, or elsewhere during the competition that are considered bullying, spiteful or upsetting to other contestants or directly aimed at the entrants or models featured in the entrant’s photo submission, or the Promoter and/or intended to damage the reputation or goodwill of SMEi will have their comments removed and will be disqualified from the competition. We reserve the right to alert Facebook and Twitter to any such behaviour and you may have your account frozen pending investigation.
  • If the promoter is unable to contact the prize winners within 30 days of the winner being announced (having taken reasonable steps to do so), the prize will be forfeited. A new prize winner will then be selected at random from the remaining entries.
  • Losing entries will not receive any notification.
  • Winners will be notified via email from midnight of Sunday 24 December 2017 requesting the necessary details via email for the delivery of the prize. These subsequent contact details will be treated with the utmost care in accordance with the Data Protection Act 1998, and will not be re-used for promotional material or sold to any third parties.
  • By entering this competition and submitting your email address you have opted into future communication from the promoter via email.
  • The winners will be promoted on SMEi’s social media pages, including Facebook and Twitter, along with their winning photo.
  • It is a condition of entry that all Terms and Conditions are accepted as final and all entrants agree to abide by these Terms and Conditions.
  1. Disclaimer:
  • Entrants agree to take part in any post-competition publicity, including photography, video interviews and telephone interviews. Entrants may also on occasion, be asked to provide journalists with personal details such as name and occupation.
  • By entering the competition, entrants agree that SMEi can collect, save and process the personal data and images provided, in media relations and social media, for the sole purposes of the competition.
  • This permission covers all forms of use including without limit television, print, online (including SMEi’s website and social channels), newspapers, magazines, digital and social media and all other forms of media now and in the future anywhere in the world.
  • The licence is royalty-free, irrevocable and the period of usage is unlimited.
  • By entering this competition entrants agree to participate in media interviews should it be requested.
  • Entrants hereby agree to defend, indemnify and hold SMEi harmless from and against any and all losses, and all claims by third parties, resulting from an entrant’s breach of any of these terms and conditions.
  • SMEi shall not be liable for any delay in performing or partial or total failure to perform any of its obligations to the winner under these terms if such delay or failure is caused by circumstances beyond its reasonable control, including without limitation; delays, changes, disruptions, cancellations, diversions or substitutions howsoever caused including without limitation as a result of war, terrorist action or threatened terrorist action, strikes, hostilities, civil commotions, accidents, fire, flood and natural catastrophes. Without prejudice to the foregoing, neither the Promoter nor its partners shall be liable for damage of any nature suffered from (or in connection with) participating in the Promotion and/or prize, to the extent permitted by law.
  • If for any reason any aspect of this promotion is not capable of running as planned, including by reason of infection by computer virus, network failure, bugs, tampering, unauthorised intervention, fraud, technical failures or any cause beyond the control of the Promoter which corrupts or affects the administration, security, fairness, integrity or proper conduct of this promotion, the Promoter may in its sole discretion cancel, terminate, modify these Terms and Conditions or suspend the promotion, or invalidate any affected entries. 

These terms and conditions are governed by UK law. Promoter: The Promoter of this competition is SME Insurance Services Ltd, Registered Office: Chantrell House, The Calls, Leeds, West Yorkshire, LS2 7HA

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