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Refer a Friend and Win! – Contest Rules


Click here for the contest page.



The winning entrant will select either one (1) Apple Watch Series 3 (approximate retail value over $500), or one (1) $500 Gas Card.



Drawing December 15 2019.



No purchase necessary. This contest is intended for Munn Insurance customers only and will be interpreted according to Canadian law. To enter entrants must submit their name and contact information, as well as the name and contact information of a referral. Referrals must not reside within the same household as the entrant. Referrals must reside in either Newfoundland and Labrador, or Nova Scotia. Referrals must be over the age of 25 years old before the Drawing Date.



To be eligible, entrants must be existing Munn Insurance customers who have submitted an entry during the contest period. This contest is open to all residents of Newfoundland & Labrador and Nova Scotia who have reached the age of majority according to the laws of the Province where they reside. This contest does exclude employees of Munn Insurance its affiliated companies. Entrants will receive one entry per referral provided. Referrals must be valid and will be checked to ensure contact details of the referral are accurate. Any referral where the contact details are incorrect, missing or do not match the person contacted will be considered invalid. There is no limit on the number of referrals a person can provide.



A random draw for all prizes will take place at the Munn Insurance St. John’s office on or about December 15, 2019 (after 12:00 pm EST). The selected entrant(s) will be notified by email within five business days. If the selected entrants cannot be reached within five (5) business days, or if the selected entrants do not meet all of the contest rules, another entrant will be selected from the remaining eligible entries. The winning entrant of the prize must sign a standard Release form confirming compliance with the Contest Rules and releasing Munn Insurance and its directors, officers, partnership interest holders, representatives, advertising and promotional agencies from any and all liability arising out of, pursuant to, or as a result of the carrying out of the contest including liability arising from the acceptance of and usage of the prizes as awarded. Failure to comply with the Contest Rules or to sign and return the Release form within 5 days of receipt will result in disqualification and another entry will be drawn.



All entries become the property of Munn Insurance. Munn Insurance assumes no responsibility for lost, stolen, delayed, damaged or misdirected entries or for any failure of the website, for any problems or technical malfunction of any computer online systems, servers, access providers, computer equipment, software, failure of any e-mail or entry to be received by Munn Insurance on account of technical problems or traffic congestion on the Internet or at any website, or any combination thereof including any injury or damage to an entrant’s or any other person’s computer related to or resulting from this contest. Munn Insurance reserves the right, at its sole discretion, to change, cancel or suspend this contest should a virus, bug or other cause beyond the reasonable control of Munn Insurance and its advertising and promotional agencies, corrupt the security or proper administration of the contest or for any other reason. Entries are subject to verification and will be declared invalid if they are illegible, mechanically reproduced, mutilated, forged, falsified, altered or tampered with or unlawful in any way. Entries submitted by unauthorised means or by spamming will be disqualified. In the event that it has been determined that an entry has been made in a manner not sanctioned by these rules and/or an entrant has submitted more than the number of entries permitted by these rules, the entrant and all of his/her entries will be disqualified. Entrants agree to abide by the contest rules and the decisions of the contest judges, which are final. This contest is subject to all applicable laws and regulations.



By entering and participating in the contest, entrants acknowledge that they are providing their personal information to Munn Insurance through one of Munn Insurance’ fulfillment partners. By entering the contest, entrants consent to the use of their names, city of residence, photograph, voice and/or image for publicity purposes in all media used by Munn Insurance, without payment or compensation. Entrants agree to Munn Insurance’s use of the entrants’ personal information that may include contacting you regarding limited time offers, promotional offers and/or surveys.


Click here for the contest page.