Bring A Buddy

1. The Referral Programme encourages all customers who have purchased an insurance policy from Budget Direct Insurance before (collectively, “Customers”, and each a “Customer”) to invite new customers to purchase insurance products from Budget Direct Insurance.
2. When a Customer successfully refers friends and family (collectively, “Buddies”, and each a “Buddy”) who purchase a Car, Motorcycle or Travel Insurance policy from Budget Direct Insurance (“Policy”), the Buddy is eligible to get up to $50 in e-vouchers for any policy bought from Budget Direct Insurance (“Buddy Reward”). The Customer receives $20 in e-vouchers (“Referral Reward”) for any annual policy purchased by the Buddy.
3. Subject to Budget Direct Insurance’s underwriting criteria and requirements, a referral of a Buddy by the Customer is considered successful only where:
   1. the Buddy has never bought a policy from Budget Direct Insurance before;
   2. the Buddy uses the Customer’s Buddy ID to buy a Policy by:
      1. getting a quote for the Policy online via the unique Buddy ID Referral Link received from the Customer; or
      2. providing the Customer’s Buddy ID to the Buddy’s attending Customer Care Executive when getting a quote for the Policy over the phone or in person at our Customer Care Centre prior to payment for the Policy; and
   3. the Buddy buys a Policy, and such Policy is not cancelled before the start date of the Policy.
4. An individual previously or currently insured under a policy issued by Budget Direct Insurance (each, a “Previous Policy” and “Previous Policies” shall mean all of them) will be considered as a Buddy who has never bought a policy from Budget Direct Insurance before where:
   1. the individual was not a policyholder in any of the Previous Policies; and
   2. the individual buys a new Policy as policyholder, through the Referral Programme.

General

1. The incentives given through the Referral Programme will apply on top of any existing promotions, discounts, offers, vouchers, rebates or privileges (except for discounts under Budget Direct Insurance’s Affinity ID Programme).
2. There is no limit to the number of Buddy referrals a Customer can make. For example, if a Customer successfully refers 10 Buddies, the Customer is eligible to receive the Referral Reward 10 times, being $200 worth of e-vouchers.
3. A Customer who has successfully referred a Buddy, and a Buddy who has been successfully referred, will each receive an email from Budget Direct Insurance containing a notification to log into their Policy Manager to redeem their e-vouchers before the redemption link’s expiry date shown on Policy Manager. Budget Direct Insurance will send the notification email to the Customer’s and the Buddy’s email address in our records within 30 days after the start date of the Buddy’s Policy.
4. Budget Direct Insurance is not obliged to re-send the notification email if the Customer’s email address linked to the Customer’s Buddy ID or the email address provided by the Buddy is incorrect or invalid. If the Customer or the Buddy does not redeem the e-vouchers by the redemption link’s expiry date shown on their respective Policy Manager, Budget Direct Insurance is not obliged to re-activate the redemption link for redemption of the e-vouchers.
5. The terms and conditions of this Referral Programme may be amended by Budget Direct Insurance at any time without notice or incurring liability to any party.
6. The decision of Budget Direct Insurance on all matters relating to the Referral Programme is final. Any updates to these terms and conditions will be published on budgetdirect.com.sg.