The Go-to expert Competition (the 'Competition') is run by Aviva Insurance Limited registered in Scotland with a company number 2116. Registered Office Pitheavlis, Perth, PH2 0NH, Scotland (“the Promoter”). By entering the Competition, you agree to be bound by these Terms and Conditions (the ‘Terms’). Therefore, please read these carefully.

Terms and Conditions

1. The Competition

1.1. There will be eight (8) winners made up of 4 pairs, the person who commented, and the person they’ve tagged. Each winners will win a £250 retail voucher of their choice, from either John Lewis, Amazon, B&Q, IKEA, Currys PC World. Use of the vouchers will be subject to any restrictions that may apply. The winners will be randomly selected by an automated generator.

2. How to enter

2.1. No purchase necessary to enter the Competition.

2.2. Internet access is required.

2.3. A personal Instagram account is required. Entry cannot be made via any type of non-personal account.

2.4. Enter the Competition by tagging a friend (another person's personal Instagram account) and explaining why that person is their go-to expert in the comments section of the competition post.

2.5. Entrants agree to give Instagram a complete release from any and all legal liability in connection with the Competition. Entrants understand that the Competition is in no way sponsored, endorsed or administered by, or associated with, Instagram.

2.6. Ineligible entries will not be acknowledged so please check to confirm your entry has been uploaded correctly.

2.7. Entrants may enter more than once, however Entrants may not win more than one prize per Competition and the Promoter reserves the right to withhold or reclaim any second or subsequent prize.

3. Start and closing date

3.1. The Competition will open at 2pm GMT on 11th August 2021 and the closing date for receipt of all entries is 2pm GMT 25th August 2021 (“the Closing Date”). Entries received after the Closing Date will not be processed.

4. Eligibility

4.1. The Competition is open to residents of the UK, Channel Islands and the Isle of Man aged over 18 years.

4.2. The Competition is not open to the Promoter’s employees, agencies and anyone else closely connected with the Competition.

4.3. The decision of the Promoter is final and the Promoter will not enter into correspondence relating to any of its decisions.

5. Allocation of prize

5.1. The Promoter will be provided a list of those that have taken part and four (4) pairs of winners will be selected on 27th August by a random generator.

5.2. If a selected winner does not meet the eligibility criteria set out in these Terms and Conditions, the Promoter reserves the right to select an alternative winner.

5.3. The prize is non-exchangeable, non-transferable, and not redeemable for other prizes.

6. Notification of prize

6.1. The Winners will be notified by direct message on Instagram by the Promoter or its fulfilment partner Battenhall Limited within 30 days of the Closing Date to confirm that they have won.

6.2. The Promoter cannot accept responsibility for any direct messages that do not reach the intended recipients for any reason whatsoever.

6.3. The decision of the Promoter is final and no correspondence regarding the prize allocation will be entered into.

6.4. The Promoter accepts no responsibility for any costs associated with the prizes and that are not specifically and expressly included within the prize description.

7. Winners

7.1. If the Winners fail to respond to the Promoter within 10 days of the direct message to accept the prize, then the prize will be forfeited and the Promoter will be entitled to select another winner (and that Winner will have to respond to the direct message sent to them by the Promoter within 10 days of that message or else they will also forfeit their prize).

7.2. The Promoter may ask any of the Winners to provide proof of age.

8. Liability

8.1. Entries not in accordance with the rules of entry will be disqualified. No responsibility is taken for entries that are late, lost, delayed, misdirected or incomplete or cannot be delivered or entered for any technical or other reason.

8.2. Subject to the above, the Promoter accepts no responsibility for any damage, loss, liabilities, injury or disappointment incurred or suffered by you as a result of entering the Competition or accepting the prize.

8.3. The Promoter shall not be liable for any failure to comply with its obligations where the failure is caused by something outside its reasonable control.

8.4. Nothing in these terms and conditions shall exclude the liability of the Promoter for death or personal injury as a result of its negligence, fraud or fraudulent misrepresentation.

8.5. The Promoter retains the right to substitute any of the prizes with another prize of similar value in the event the original prize offered is not available.

8.6. The Promoter reserves the right to modify the Competition at any time without prior notice.

9. Data protection

9.1. Any personal information collected by Aviva in connection with this Competition will be used in accordance with the Privacy Policy.

9.2. Limited personal information will be passed to the fulfilment partner, Battenhall Limited, for fulfilment purposes only and will be processed and destroyed in accordance with the Data Protection Act 2018.  Please also see their own Privacy Policy.

10. Governing law and jurisdiction

10.1. The Competition and these Terms shall be governed by English law and are subject to the exclusive jurisdiction of the English courts.