Terms and conditions

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1. If an equivalent or better level of cover is not available for a better price, or without accepting new medical exclusions, we will negotiate with your current insurer on your behalf. If this also does not give you a better price without reducing cover levels, then we will send you £50.

2. For us to negotiate on your behalf with your current insurer, we will need to be appointed as the broker on your current policy. This does not cost you anything, but means we are authorised to speak with the insurer on your behalf.

3. If you are eligible for the £50 cheque, this will be posted to you within 30 days of the end of our negotiations with your current insurer.

4. This offer is only available to UK residents, aged 18 or over, who have appointed us (Howden Life & Health Limited) as the broker on an existing personal Private Medical Insurance policy, after enquiring through Confused.com.

5. No purchase necessary.