1. There is a minimum number of participants required before the lucky draw happens.

2. Minimum number of participants for the draw may change from time to time. Please contact HIFA Insurance for more details.

3. The value and type of gift card may change from time to time. Please contact HIFA Insurance for more details.

4. There is a limit of 1 entry per household per year. When they get a quote for the next year for the next renewal, they would become eligible for the next lucky draw then.

5. Winner will be randomly selected and contacted by HIFA Insurance.

6. Decisions made by HIFA Insurance are final and are not subject to appeal.

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