SMEi Christmas Countdown Competition Star Prize!

The Countdown to Christmas competition is now over. Congratulations to Gillian York who was randomly selected to win our Star Prize, £100 to spend on  Thank you to Gillian and everyone else who took part.  Please keep an eye out for more competitions.

PRIZE: £100 to spend at Late Rooms

Star Question

Every entry during the SMEI Countdown to Christmas competition receives an extra chance to win £100 to spend on a holiday with Late Rooms. What a lovely way to unwind after Christmas! All competitions other than the Christmas hamper will remain open until midnight on Christmas Eve so feel free to go back and enter any you have missed.

Good luck to everyone and have a wonderful Christmas from all of us at SME Insurance.

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 Countdown to Christmas Star Prize.

  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 Friday 15 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.

Twitter: @SMEInsurance


  • Incomplete entries, entries on behalf of another person and joint or syndicate entries will not be accepted.
  • Images that fulfil the criteria laid out in the Terms and Conditions will be shared by SMEi’s social media channels. Entrants whose images do not fulfil the criteria will not be shared.
  • 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.
  • One entry will be selected at random to receive £100 of vouchers, and will not be judged on any criteria.


  1. Competition entry requirements:
  1. This competition involves entrants submitting entries during day 1 to 10 of the Countdown to Christmas.


  1. Twitter: @SMEInsurance
  2. Facebook:
  • The winners will be selected at random, with each entrant gaining a single entry for each day of the competition.
  • 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 number of retweets, likes and shares will not be a deciding factor.
  • 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. All entrants will be sent a direct message via Twitter or Facebook to gain contact details once the random winner have been chosen. These details will not be published online or sold to third parties.
  • The prizes for the one winners will be:
  • One winner will receive £100 of 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 Friday 10 November 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:
  • By taking part and submitting an entry, entrants agree to the use of their photo submission by SMEi (and its advertising, promotion and other agencies) to use in its advertising, marketing, publicity or promotional materials. Entrants therefore grant a worldwide licence to the use of their photo submission and all personal details included.
  • 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.
  • Entrants confirm that they are the owner of the photo and therefore able to grant this licence to use it, and entrants are also providing giving permission on behalf of themselves, their family, friends and others who are seen in the photo and entrants confirm that they agree to this licence.
  • If requested by SMEi, entrants agree to sign (and arrange for the others in the photo to sign) any documents to confirm this.
  • Entrants agree that the photo is original and is not a copy of anyone else’s, and the use of the photo will not infringe any rights (such as intellectual property, privacy, confidentiality or data protection) belonging to others, and the details you submit are true.
  • 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

Log your renewal
Need a reminder?

Fancy a friendly reminder?

If you want one less thing to worry about, simply log your renewal and we’ll remind you nearer the time.

Log your renewal
Quotes from well-known and specialist insurers, including
Facebook Twitter LinkedIn