Insurance Refer-a-Friend Offers

Provider

Simply Business

£25 gift card

Let's be straight about this one: it's only worth a look if business, shop or landlord insurance is already on your shopping list. Buy a 12-month policy directly through the referral link and, once both policies have ticked over 60 days with premiums paid, you get a £25 e-voucher to spend at Amazon, John Lewis or M&S. The sums that matter: this is a real insurance commitment, not free money; the reward email can take up to 90 days to land; and you've got 90 days to claim it before the link dies. Bought through a partner? Doesn't count. Had a Simply Business policy in the last 12 months? Doesn't count either. Their live terms have the final word, as always.

Requirement: 12-month business, shop or landlord policy bought direct via the referral link — partners don't count

Provider

Vitality

£100 gift card

Here's the honest version first: this is only worth touching if health or life cover is already on your agenda. Take out a qualifying Vitality personal health or life plan directly through the referral link, pay at least £25 a month, and once Vitality has collected your first three monthly premiums, you can claim a £100 Amazon or John Lewis gift card. Do the sums before you start: you'll have paid at least £75 in premiums before anything arrives, the reward email lands 30 days after the third premium is collected, and you've got 90 days to claim it. Cover bought through a third party doesn't count, and both sides must meet Vitality's eligibility rules. Vitality's live terms call the shots.

Requirement: Qualifying personal health or life plan with at least a £25 monthly premium; first three monthly premiums collected