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Refer a friend programme terms

Last updated July 2026

1. Introduction

These Refer a Friend Programme Terms and Conditions (“Programme Terms”) govern participation in the Lassie Pet Health Limited (“Lassie”, “we”, “our”) Refer a Friend programme (the “Programme”), which allows existing Lassie customers to refer friends and family to Lassie’s pet insurance products in return for a reward.

These Programme Terms should be read together with our Terms of Use and Privacy Policy, both available on our Platforms. If there is any conflict between these Programme Terms and our Terms of Use, these Programme Terms shall prevail in relation to the Programme only.

By taking part in the Programme, you agree to be bound by these Programme Terms.

2. Who Can Take Part

To refer a friend under the Programme (a “Referrer”), you must:

  • hold an active Lassie pet insurance policy underwritten by Newline Insurance Company Limited (“Newline”);

  • be aged 18 or over and resident in the United Kingdom; and

  • share your own unique referral link or code, issued to you via the Lassie app or website.

To be referred under the Programme (a “Referred Friend”), a person must:

  • be aged 18 or over and resident in the United Kingdom; and

  • take out a new Lassie pet insurance policy using the Referrer’s unique referral link or code.

You must not refer yourself, use a false identity, or create multiple accounts to generate additional referrals or rewards. We may refuse or withdraw a reward, and suspend or close accounts, where we reasonably believe the Programme is being misused.

3. How the Programme Works

  • You share your unique referral link or code with a friend.

  • Your friend uses the link or code when requesting a quote or taking out a Lassie pet insurance policy.

  • Your friend gets their discount immediately upon purchase using the unique referral link or code.

  • If your friend pays monthly, their discount is spread across the first twelve (12) invoices adding up to the full discount. If your friend pays annually, the full discount is deducted from their payment right away. 

  • Your reward kicks in once your friend’s first payment is made. It’s a flat discount applied to your policy and deducted by your next open invoice. 

  • If the reward is larger than your invoice, the remainder of the reward rolls onto the following invoices.

  • See Section 4 for what happens at the end of your insurance year.

4. Rewards

For each pet your Referred Friend insures with Lassie using your referral link or code, you will receive a reward of £60 off your own Lassie insurance premium for your current insurance year.

There is no fixed limit on the number of friends or pets you can refer. Your total reward for the year cannot reduce your own annual premium below £0. If the discount you have earned in an insurance year exceeds your annual premium, the excess is carried forward and applied to your next insurance year rather than paid out in cash or refunded.

Your Referred Friend will also receive a one-off reward of £40 off their own premium once their policy incepts using your referral link or code, subject to Section 5. Their reward is spread across their payments for their first insurance year, rather than paid as a single lump sum.

Rewards apply per policy. 

If you insure more than one pet of your own, your reward will be applied to the policy with the highest premium.

5. When Rewards Are Paid

See Section 3 for how the programme works and Section 4 for what happens at the end of your insurance year.

A reward becomes payable once your Referred Friend has made their first premium payment under a new policy taken out using your referral link or code. 

If you pay your Lassie premium monthly, your reward will be deducted from your next monthly instalment (and, if it exceeds that instalment, from subsequent instalments within the same insurance year). If you pay annually, or have no further instalments due in the insurance year, you will receive your reward as a refund within a few days after the discount becomes valid.

If your Referred Friend cancels their policy during the statutory 14-day cancellation period (in accordance with ICOBS and our Terms of Use), any reward already applied in connection with that referral may be reversed or clawed back.

6. Restrictions

Because your reward cannot exceed your own annual premium (see Section 4), we do not currently impose a separate limit on the number of referrals you can make. If additional fraud controls are wanted, Lassie has the right to limit a Referrer to no more than 5 Rewards within any 24-hour period and no more than 50 Rewards within any rolling 12-month period.

Rewards are non-transferable and have no cash alternative unless we state otherwise, and cannot be combined with other offers or promotions unless we say so. The Programme is void where prohibited by law.

7. Exclusions and Our Right to Refuse or Withdraw a Reward

We may refuse, suspend, or claw back a reward (including one already applied) where:

  • we reasonably suspect fraud, abuse, or a breach of these Programme Terms, including the Restrictions in Section 6;

  • the Referred Friend’s policy is voided, cancelled, or lapses; or

  • the Programme is amended, suspended, or withdrawn in accordance with Section 11.

We may ask you to provide evidence of your eligibility, or your Referred Friend’s eligibility, before a reward is issued. Our decision on all matters relating to the Programme is final; we will not enter into correspondence about individual decisions, save as set out in our complaints process in Section 13.

8. Tax

Any tax liability arising from a reward you receive under the Programme is your responsibility. If you are unsure of your position, we recommend seeking independent tax advice.

9. This Is Not Advice

Referring a friend to Lassie is not the giving of advice or a personal recommendation regulated by the Financial Conduct Authority (“FCA”). When referring a friend, you must not represent yourself as acting on behalf of Lassie, or as an authorised or regulated person, and you must not give your friend advice about whether a Lassie product is suitable for them.

Lassie (FCA reference number 1045889) acts as an Appointed Representative of Advent Solutions Management Ltd (“OneAdvent”), which holds the relevant FCA Part IV permission. Insurance policies referred under the Programme are underwritten by Newline.

10. Data Protection

We will use your friend’s details in accordance with our Privacy Policy, available on our Platforms. We will let your friend know, when we first contact them, that their details were provided by you, and how they can exercise their data protection rights.

We will use your own details, including your referral activity and any rewards earned, to administer the Programme, in accordance with our Privacy Policy.

11. Changes to the Programme and These Terms

We may amend, suspend, or withdraw the Programme, or these Programme Terms, at any time. We will publish any changes on the Platforms. A change will not affect a reward you have already become entitled to under these Programme Terms at the time of the change, unless we withdraw that reward under Section 7.

12. Limitation of Liability

Nothing in these Programme Terms affects any right you have under our Terms of Use, or any statutory right that cannot be excluded or limited under applicable law. To the fullest extent permitted by law, our liability to you in connection with the Programme is limited to the value of the reward you were entitled to receive.

13. Complaints

If you have a complaint about the Programme, please contact us using the details in Section 15. We will handle your complaint in accordance with the complaints process set out in our Terms of Use, including your right to refer unresolved complaints to the Financial Ombudsman Service.

14. Governing Law and Jurisdiction

These Programme Terms are governed by the laws of England and Wales, and are subject to the same jurisdiction provisions set out in Section 12 of our Terms of Use.

15. Contact Us

If you have any questions about the Programme or these Programme Terms, please contact us:

  • Email: hello@lassie.co

  • Post: Lassie Pet Health Limited, First Floor, Woolgate, 25 Basinghall Street, London, EC2V 5HA