Monthly prize draw following completion of a new Kit & Personal Possessions Insurance policy for a chance to win a Samsung Galaxy S10e (the “Prize Draw”).

When entering the Prize Draw, you agree to be bound by these terms and conditions (the “T&C’s”)


  1. Members of the general public are not eligible to enter the Prize Draw and any entries received will not be included in the Prize Draw. Only serving or ex-military personnel (including Reserve Forces) and their immediate family members are eligible.
    Visit org/about/#eligible to find out who is eligible to join Forces Mutual. All persons entering the Prize Draw must be over the age of 18 years and have a place of permanent residency in the UK. If the winner is found to be ineligible, we reserve the right to award the prize to another participant and to require the return of any prize already awarded.
  2. For the avoidance of doubt, the Prize Draw is not open to employees or contractors of the Police Mutual group or their direct family members.
  3. Previous winners of the Prize Draw are not eligible to win a further prize and will be excluded from any further draws within this promotion.


  1. The Prize Draw will consist of a total of three, monthly prize draws.
  2. Each monthly prize draw has a different Qualifying Period as set out below:

Qualifying Period


Closing Date

Prize Draw Date

Period one

00.00 01- Sep-19

23.59 30-Sep-19


Period two

00.00 01-Oct-19

23.59 31-Oct-19

10-Nov 19

Period three

00.00 01-Nov-19

23.59 30-Nov-19



  1. Forces Mutual reserves the right to disqualify late, misdirected, incomplete, corrupted, lost, illegible or invalid entries.

The promoter

  1. The promoter of the Prize Draw is PMGI Limited, Alexandra House, Queen Street, Lichfield WS13 6QS (“Forces Mutual”). PMGI Limited is a wholly owned subsidiary of Police Mutual Assurance Society Limited and a member of the Police Mutual group of companies.

The Prize Draw

  1. Each Prize Draw winner will win one Samsung Galaxy S10e mobile phone.

How to Enter

  1. Entry to the Prize Draw is automatic, upon purchase of a new Forces Mutual Kit & Personal Possessions insurance policy.
  2. Only one entry per person.
  3. You will be automatically entered into a Prize Draw, according to the Qualifying Period in which your new Kit & Personal Possessions policy commences. (See paragraph 5 for Qualifying Periods).
  4. Entrants are requested to read these T&C’s before entering.
  5. All entrants will be offered the chance to opt-in to receive further marketing communications from Forces Mutual.
  6. Information provided by participants in registering for this Prize Draw will be used in line with the Forces Mutual’s Privacy Policy. Your personal details will be held by Forces Mutual and may only be disclosed to parties within the Police Mutual Group of companies.
  7. Entries must be made personally. No applications from agents, third parties, organised groups or applications automatically generated by computer will be accepted. No incomplete or corrupted entries will be accepted. Entries will only be accepted if they comply with all entry instructions.
  8. During the Qualifying Period, participants will have a chance to win a Samsung Galaxy S10e mobile phone.

Selection of Winners

  1. Winners will be drawn at random from all qualifying entrants in each Qualifying Period. Prize Draw dates are outlined in the table displayed under point 5.
  2. There will be one winner for each Prize Draw.
  3. Winners will be chosen at random from all complete, eligible properly submitted entries received before the end of the applicable closing date of the Qualifying Period.
  4. The Prize Draw gifts may be subject to further terms and conditions which will be confirmed when the prize is awarded.
  5. The prizes are non-transferable.
  6. In the event of the prize being unavailable Forces Mutual reserve the right to supply an alternative prize without notice.
  7. The winners of a Samsung Galaxy S10e mobile phone will be notified by phone or email.
  8. The promoter’s decision is final and no correspondence will be entered into. Legal review is excluded.
  9. The winners will be automatically excluded from any future prize draws that form part of this campaign.
  10. If a prize is declined or unclaimed by a selected winner, or if a winner cannot be contacted from the details supplied within ten days of attempting to contact the winner, the prize will be forfeited. In such circumstances, Forces Mutual reserves the right to select another winner at random from the eligible entrants who will be notified by Forces Mutual in the same manner described in 23.


  1. Subject to these T&C’s of the Prize Draw, Forces Mutual shall not retain any personal data for longer than is reasonably necessary to manage and promote this Prize Draw. This will include reasonable publicity in the legitimate interests of Forces Mutual, provided that such publicity does not infringe data protection right. For example, this may include publishing details of the winner on our website and in promotional press releases. If you have consented to receive marketing in the future, please see our privacy policy for details on how your data will be used. You can find our privacy policy at org/about/privacy-policy.
  2. Individuals have the right to object to such publicity if it is likely to impact on their rights or freedoms by contacting Forces Mutual, Kit Insurance Prize Draw campaign, Marketing, Alexandra House, Queen Street, Lichfield WS13 6QS.
  3. The winners may be required to submit valid identification before receiving the prize. If the winner has not claimed their prize by the date specified in the notification of winning, Forces Mutual reserves the right to conduct a further random draw to award the prize to another participant.
  4. Forces Mutual accepts no responsibility if a prize, is defective, faulty, nor any disappointment caused as a result of this. Forces Mutual is not responsible for any problems or technical malfunctions of any prizes. Forces Mutual will not be responsible for any replacements or repair units. Nothing shall exclude Forces Mutual’s liability for death or injury as a result of its negligence.
  5. To request the name(s) of the Prize Draw winner(s), please send a stamped addressed envelope to Forces Mutual, Kit Insurance Prize Draw campaign, Marketing, Alexandra House, Queen Street, Lichfield WS13 6QS by 31 December 2019. No other correspondence will be entered into.
  6. Forces Mutual accepts no responsibility for any damage, loss liabilities, injury or disappointment incurred or suffered by you as a result of entering the Prize Draw or accepting the prize.
  7. Forces Mutual reserves the right at any time and from time to time to modify or discontinue temporarily or permanently, this Prize Draw with or without prior notice due to reasons outside its control (including, without limitation, in the case of anticipated, suspected or actual fraud).
  8. Forces Mutual accepts no responsibility for any costs associated with the prize that are not expressly included in the prize.
  9. Forces Mutual shall not be liable for any failure to comply with its obligations where the failure is caused by something outside its reasonable control. Such circumstances shall include, but not limited to, weather conditions, fire, flood, hurricane, strike, industrial dispute, war, hostilities, political unrest, riots, civil commotion, inevitable accidents, supervening legislation or any other circumstances amounting to force majeure.
  10. These Terms & Conditions are governed by English law.

      PMGI Limited (PMGI), trading as Forces Mutual, is registered in England & Wales No. 1073408. Registered office: Alexandra House, Queen Street, Lichfield, Staffordshire WS13 6QS.

      PMGI is authorised and regulated by the Financial Conduct Authority. Universal International Freephone Number (UFIN) - local connection charges may apply, please check with your telephone provider.

      Calls to 03 numbers usually cost no more than to geographic numbers (01 or 02) and are usually included in your call packages, please check with your phone company if they are included in your package.

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