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Win Home Insurance + Netflix T&C

The competition made available to new and present customers of Laferla Insurance Agency Ltd., which is defined in these Terms and Conditions (hereinafter the ‘Competition’) is hosted by Laferla Insurance Agency Ltd. (a company registered in Malta with registration no. C-14529) of 204A, Old Bakery Street, Valletta.VLT1453.Malta (hereinafter, ‘Laferla Insurance’). In these Terms and Conditions (hereinafter the ‘Terms’), "You", "Your" and “Yourself” means You the person who is seeking to enter and participate in the Competition or who has entered and participated in the Competition; and, “Prize” means the prize specified in Clause 16 of these Terms which will be awarded to the winner/s of the Competition. These Terms shall be binding on You when You enter and participate in the Competition. Entry and participation in the Competition by You shall be deemed an unconditional acceptance by You of all these Terms and Conditions.


1. To enter and participate in the Competition You must Renew Your Home Insurance from Laferla on or before December 22nd. 2017

2. Participation in the Competition is open to the Maltese general public (current Laferla customers)

3. Laferla Insurance employees and their respective relatives are excluded from entering the Competition. This includes subsidiary companies, as well as representatives and agents.

4. You must be at least 18 years of age on the date You enter the Competition and, if requested by Laferla Insurance, shall provide evidence of Your age to Laferla Insurance’s reasonable satisfaction.

5. The closing date for entries to the Competition is 23:59 (CET) on the 22nd of December 2017. Late entries (i.e. entries received after the latter closing date) will not be accepted.

6. Proof of eligibility to enter into the Competition must be provided to Laferla Insurance on request.

7. You must enter the Competition using your legal name and email address. Laferla Insurance reserves the right to disqualify anyone entering into the Competition using a false name. By entering the Competition, You hereby warrant that all information submitted by You is true, current and complete.

8. If You provide an incorrect name, age, address or any other incorrect information in relation to the Competition entry, then Laferla Insurance reserve the absolute right to treat that entry as invalid. If the fraud, deceit, misconduct or other action is only discovered after the Prize has been released, You undertake to return the same (or provide compensation) to Laferla Insurance forthwith upon notification by Laferla Insurance.

9. Laferla Insurance reserve the right to verify the validity of entries and to disqualify any entrant who tampers with the entry process or who submits an entry that is not in accordance with these Terms.

10. Laferla Insurance reserves the right to immediately withdraw Your place on the Competition or the Prize if they believe You to be in breach of any of Your obligations, or representations and warranties under these Terms or if You otherwise conduct Yourself in a manner which is inappropriate or unsuitable (as determined in the discretion of Laferla Insurance).

11. Any costs associated with accessing the Competition or accepting and receiving the Prize if You are chosen as the winner, are Your responsibilities.

12 By entering the Competition You warrant and confirm that You are not breaching any laws regarding the legality of entering into the Competition.

13. Laferla Insurance will on the 7th, 14th and 21st of December 2017 at 12:00 noon (CET) choose up to 3 individual participants from among all the eligible Competition participants at random by such means and methods (which may be manual or computerized) as Laferla Insurance may determine. The participants so selected will be contacted by Laferla Insurance via email that they have provided.  

13.1 In the event that: i. any of the participants so selected is disqualified for not meeting any requirement set out in these Terms; or, iii. Laferla Insurance are unable to contact any of the selected participants within a reasonable period of such a participant having been selected; or, iv. any of the winners is unable for whatever reason to accept the Prize; or, v. any of the winners does not claim the Prize within 28 days of notification by Laferla Insurance; then Laferla Insurance shall proceed to select another individual from among all the eligible Competition participants at random by such means and methods (which may be manual or computerized) as Laferla Insurance may determine.

14. There will be 10 winners for the entire Competition.

15. If You are the winner of the Competition, failure to claim Your Prize in the time or manner specified will make any claim invalid.

16. The winners of the Competition shall be awarded with Free Netflix Yearly Premium Plan Subscription up to the value of €11.99 per month.

17. Handing over of the Prize to the winner shall release Laferla Insurance from any obligation to the fullest extent permitted by law.

18. The individuals selected as per Clause 13 and the winners of the Prize will be notified via telephone and email and published on Facebook and other media. Laferla Insurance’s decision is final and no correspondence will be entered into.

19. In order to enable Laferla Insurance to correctly identify genuine claims to the Prize and to eliminate non-genuine, deceitful or fraudulent claims, Laferla Insurance reserve the right to request proof of identity, age and address in the form of Your passport or driving licence or government identity card, and proof of Your address. Laferla Insurance may also carry out an interview in order to validate such a Prize claim. Interviews may be by telephone or in person with You and may be recorded.

20. The Prize is non-transferable and may not be given, assigned or sold to another person. 

21. Laferla Insurance do not accept any liability if the Prize is lost, delayed or damaged in the post or otherwise not validly received by You. 

22.  Laferla Insurance are not liable in any way for any costs, expenses, damages, liability or injury suffered by You arising out of or in any way connected with the Competition or Prize other than those costs and expenses specifically provided for in the Prize (if any). This exclusion does not include any liability for (i) negligence; (ii) death or personal injury (iii) fraud or fraudulent misrepresentation; or (iv) any liability that cannot be excluded or limited by law. Laferla Insurance accept no liability (and excludes all liability) for any loss of profit, business, contracts, revenues or anticipated savings or for special, direct, indirect or consequential loss of any nature howsoever arising. 

23. You agree to indemnify Laferla Insurance and their employees against all costs, losses, damages, expenses and liabilities (including for loss of reputation and goodwill and professional advisors fees) suffered by Laferla Insurance respectively arising as a result of a breach by You of Your obligations under these Terms or in any way in connection Your failure to follow Laferla Insurance’s reasonable instructions with regard to Your entry into the Competition or taking of the Prize. 

24. Laferla Insurance shall not be liable to perform any of their obligations under the Competition or in respect of the Prize where they are unable to do so as a result of circumstances beyond its reasonable control and whilst Laferla Insurance may endeavor to provide an alternative Prize, they shall not be liable to compensate You in such circumstances.

25. You undertake the Competition at Your own risk. If You are the winner of the Competition You take the Prize at Your own risk.

26. In the event that You post ideas, opinions, statements, content of any messaging or other materials consisting of text, graphics, images, audio, video, software, data compilations or other materials (Submission), or send such Submission to Laferla Insurance by email or otherwise in the context of the Competition, You grant to Laferla Insurance the perpetual and unconditional right and entitlement to use, alter, copy and commercially exploit such Submission in whole or in part or any alteration thereof, in any form and media, to the fullest extent and free of charge worldwide. Laferla Insurance shall not be bound by any confidentiality obligation in respect of the Submission. You hereby indemnify and hold Laferla Insurance harmless from and against all actions, claims and liabilities, suffered, incurred or sustained by Laferla Insurance as a result of the posting, use or exploitation of the material infringing the (intellectual property) rights of any third party or otherwise being unlawful towards a third party.

27. For the avoidance of doubt, all rights in the name and title of the Competition and the format rights for the Competition will vest exclusively in Laferla Insurance for their own use (in their absolute discretion).

28. Any personal data submitted by You will be used solely in accordance with the Data Protection Act (Chapter 440 of the Laws of Malta). Laferla Insurance’s privacy policy is available at https://laferla.com.mt/terms-and-conditions.

29. Your information may be used for direct marketing purposes, which you may opt out of at any time.

30. Where for purposes of the Competition You provide personal information about another person ("Third Party Information") - You must: i. advise that person of Laferla Insurance’s privacy policies available as described above; and, ii, obtain that persons permission before supplying his/her personal information to Laferla Insurance. You acknowledge that Laferla Insurance will collect, use, store, and disclose that Third Party Information in accordance with the aforementioned Laferla Insurance Privacy Policy (as if the Third Party Information were obtained from that person directly), and You warrant and represent that Laferla Insurance are authorised to do so by the person to whom the Third Party Information relates.

31. The Competition and these Terms shall be governed, construed, enforced and interpreted in accordance with the Laws of Malta. Any disputes, controversies and/or claims arising out of or in connection with the Competition and/or these Terms shall be exclusively subject to the jurisdiction of the Courts of Malta.

32. If You are the winner of the Competition You shall participate in all publicity required by Laferla Insurance and/or third parties connected with the Competition.

33. If You are the winner of the Competition, You acknowledge and agree that Laferla Insurance may publish Your name on any and all media.

34. You acknowledge that the interests and good reputation of Laferla Insurance are paramount and Laferla Insurance may, at their discretion, require You to cease to have any involvement in the Competition if it believes it is in the best interests of Laferla Insurance to do so.

35. Laferla Insurance shall be entitled, in their discretion, to cancel (and/or recommence), terminate, modify or suspend the Competition with immediate effect without any liability in respect thereof.

36. You will comply with the instructions and directions of Laferla Insurance or their representatives. Failure to do so may lead to immediate disqualification or withdrawal of the Prize, at Laferla Insurance’s discretion.

37. You agree You will not by any act or omission do anything, which might bring Laferla Insurance into disrepute. You represent and warrant that You do not have any criminal convictions or criminal record and have not undertaken any past act or conduct which could adversely affect the reputation of the Competition or Laferla Insurance.

38. Laferla Insurance reserve the right to vary, modify, delete or add to these Terms at any time and without any prior notice. It is Your responsibility to familiarise Yourself with these Terms to ensure that You are aware of any changes.

39. Laferla Insurance are not responsible for any problems or technical malfunction of any telephone network or lines, computer on line systems, servers, or providers, computer equipment, software, technical problems or traffic congestion on the internet or at any web site, or any combination thereof, (including but not limited to) any injury or damage to Your or any other person’s computer related to or resulting from participation in or down-loading any materials in the Competition.

40. These Terms represent the entire agreement between You and Laferla Insurance relating to the Competition and the Prize (unless otherwise expressly confirmed in writing by Laferla Insurance) and supersede all prior representations, agreements, negotiations or understandings (whether oral or in writing).

41. If any part of these Terms is determined to be invalid or unenforceable pursuant to applicable law, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of these Terms shall continue in effect.

42. These Terms are not intended to nor shall create any rights, entitlements, claims or benefits enforceable by any person that is not a party to them.

43. Competition entries will not be returned to You. 

44. Headings are for convenience of reference only and shall not be considered in the interpretation of these Terms.

We recommend that You print these Terms for Your records.