Apple Watch possibly as low as £0.00 cost with Vitality health or life insurance depending on monthly activity
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Apple Watch possibly as low as £0.00 cost with Vitality health or life insurance depending on monthly activity

42
Expires on 31/12/2017Found 24th Oct
The deal at the moment is £0.00 upfront payment on the 38mm model - its normally £29 upfront but its £0.00 until December 31st.

And then its between £0 and £12.50 a month depending on your level of activity during the previous month. (you enter into a interest free credit agreement).

You need a life insurance plan through them so it depends on its worth doing for you or not, personally when I did a quote Vitality saved me almost £15 a month compared to my previous life insurance, now I'm paying about £32 a month and I've been with them for about 4 months now and yesterday I've taken out the Apple watch plan. Obviously there is no point changing to vitality insurance if its going to work out significantly more a month than your current insurance otherwise the watch isn't really "free"

At worst if you don't do enough activity then it will be 24x payments of £12.50 which at £300 total is still less than buying an Apple Watch outright.

So, earn 160+ points in a month, the direct debit the following month is £0
Earn 120-159 points in a month the direct debit the following month is £5
earn 80-119 points in a month the direct debit the following month is £7.50
earn 40-79 points in a month and the DD next month is £10
earn 0-39 points in a month and the DD next month is £12.50

maximum you can earn is 8 points a day so to get it for free you need to be having 20 active days a month minimum/ 5 days a week.

there are a few ways to earn points and its a bit of a minefield to understand but the easiest way (for me) is through your daily steps - doesn't matter if you are just walking round the shops or going for a run all steps add up

All adults can earn 3 points for reaching 7,000 steps, 5 points for reaching 10,000 steps and 10 points for reaching 12,500 steps per day (this is changing to the maximum 8 points per day).

So if you do 12,500 steps most days in a week you will get the watch for free. You can also get extra points from buying healthy food at Ocado, going on Park Runs, regular medical check ups etc.

And the good thing is it doesn't matter if you have a bad month (illness, go on holiday etc) and earn 0 points, you will pay £12.50 for one month but potentially £0.00 in the other 23 months.

42 Comments

I think this is a great idea - BUT - it's not really realistic for someone who might be quite overweight to start with or have other issues.

12,500 steps for the average person is around 6 miles which, for a lot of people, will be too far.

Also, Ocado is one of the most expensive places to shop as well so that's another thing to factor in.

As I said, great idea, but it's not quite as "free" as it sounds.

My brother is doing this at the moment and is able to meet the required steps per month without great difficulty.

Although, that was for the 42mm watch and he had to pay £59 upfront.

I’ve got the policy and it’s really good. Saved me 50% off my gym membership which made my policy free pretty much. Plus free Starbucks and cinema tickets every week and some other benefits. Change all the time. Had discount merlin passes when I first joined.

So how does this work in theory? Do I need an apple phone for it to work properly

Great deal if you walk at lot for work e.g. Postie or in warehouse etc

Was tempted on this a couple weeks back, all in I’m not sure if it’s such a good deal. I got a quote off their site and must have had a dozen or more calls from them to get me to sign up. You need a health insurance plan to get this so minimum monthly is like 20-30 quid ,not really free.

It’s not difficult. I got one last year. The idea is you need to earn 160 points a month and you can earn a maximum of 40 points a week, I haven’t missed a point yet. You get 3 points for 7000 steps, 5 points for 10,000 step and 10 points for 12,500 steps. You can alternatively get 5 / 10 points for a gentle 30 / 60 minute workout ie a fast walk / slow swim or 10 points for a vigorous 30 minute workout or run, cycle, cross trainer or fast swim.
Obviously you need to take out their insurance, but I already had it, so it was a bit of a no brainer for me.
Edited by: "RidleyDeckard" 24th Oct

I'm a postie so do 24,000 steps a day. Shame it's not a Samsung watch.

emiratesstadium11 m ago

I'm a postie so do 24,000 steps a day. Shame it's not a Samsung watch.


Think there will be an offer which doesn’t include it having to be an Apple Watch. My friend ended up getting a Garmin which as a fitness watch is better than the Apple Watch. Have to see what offers they have.

Was interested in this.

Filled out details form for health insurance, instaquote for £85pcm without knowing anything about me. Wasn't sure what options to change to reduce quote (would love one about £30 /40 as people mentioned above). So closed the window.

20 mins later got a sales call Couldn't take so asked if I could phone them back when free, they insisted on phoning me back at a more convenient time. Said no, I'll phone them back, and she got all arsey then hung up on me

Get free Starbucks - lol, that's healthy!!!

I cycle to work - do you know if Vitality allow this to be declared? (Especially the bloody great hill first thing in the morning!)

How do they actually track the data from the watch? is there an app you need to have installed on your iphone?

Surely there must be a way of pretending you've done loads of steps...

Strapped mine to the dogs leg happy days.

Shame they don't do an Android Wear equivalent (or if the Apple Watch worked with Android, it's the one piece of kit by Apple that I want )

robertoegg19 m ago

Get free Starbucks - lol, that's healthy!!! I cycle to work - do you know …Get free Starbucks - lol, that's healthy!!! I cycle to work - do you know if Vitality allow this to be declared? (Especially the bloody great hill first thing in the morning!)


If it's longer than 30 minutes at the required heart rate then yes.

I have had vitality for the past 3/4 years, I got to platinum a couple of times but they keep changing the maximum points per week and how many points activities are awarded. Considering you are signing up to an agreement for 2 years it's possible it might change further.

_Darren_32 m ago

How do they actually track the data from the watch? is there an app you …How do they actually track the data from the watch? is there an app you need to have installed on your iphone?Surely there must be a way of pretending you've done loads of steps...


You need to install the Vitality for iphone app and give it permission to read the apple health data. Then every day or so open the vitality app to sync the data.

Original Poster

stevodevine1 h, 23 m ago

Was tempted on this a couple weeks back, all in I’m not sure if it’s such a …Was tempted on this a couple weeks back, all in I’m not sure if it’s such a good deal. I got a quote off their site and must have had a dozen or more calls from them to get me to sign up. You need a health insurance plan to get this so minimum monthly is like 20-30 quid ,not really free.


It doesn't need to be a health insurance plan, I've signed up to life insurance only which is a requirement of my mortgage anyway. But yes you are right the minimum is £30 but I was previously spending £46 a month with Aviva.
im now spending less a month, gaining the free Starbucks and cinema tickets and as of yesterday when I signed up an Apple Watch that could potentially be free. As I go running 4 times a week I'll easily clock up enough steps, although I'm not stupid and realise I might have a bad month if I'm ill etc so I might pay a small monthly payment every now and then.
Edited by: "shakerstevens" 24th Oct

HankHandsome1 h, 33 m ago

I think this is a great idea - BUT - it's not really realistic for someone …I think this is a great idea - BUT - it's not really realistic for someone who might be quite overweight to start with or have other issues.12,500 steps for the average person is around 6 miles which, for a lot of people, will be too far.Also, Ocado is one of the most expensive places to shop as well so that's another thing to factor in.As I said, great idea, but it's not quite as "free" as it sounds.


40 points a week can be made up of 5 days of 10k steps and 2 days of 12500, or a few other permutations. I find wearing teh watch all day means I get up to 6/7K steps a day without even trying and I sit/stand at a desk all day. Fitting in 4 or 6k more steps is only about a 30min walk. Also, 30mins of exercise at 70% of your max heart rate gives 10 points too, so there's plenty of ways to hit teh allowance. Worst possibility is that you pay RRP for the watch, personally I'm finding it a nice motivation to be more active.

Original Poster

robertoegg55 m ago

Get free Starbucks - lol, that's healthy!!! I cycle to work - do you know …Get free Starbucks - lol, that's healthy!!! I cycle to work - do you know if Vitality allow this to be declared? (Especially the bloody great hill first thing in the morning!)


Starbucks is an odd one I admit! But nothing to stop you having a skinny filter coffee - 3 calories!
and yes 30 minutes of cycling a day is classed as workout there are loads of ways to get the points, I've highlighted the steps here because thats the route I'm using.
Edited by: "shakerstevens" 24th Oct

I CAN PROVIDER COVER CHEAPER THAN GOING DIRECT

Anyone knows much about the life insurance. What are the chances you get insured with some previously medium serious health problems. Ok now x

You need an optimiser in your plan to qualify for this. Either £3.50 or £5 extra pcm.

Mada069 h, 50 m ago

If it's longer than 30 minutes at the required heart rate then yes.I have …If it's longer than 30 minutes at the required heart rate then yes.I have had vitality for the past 3/4 years, I got to platinum a couple of times but they keep changing the maximum points per week and how many points activities are awarded. Considering you are signing up to an agreement for 2 years it's possible it might change further.


I’m fairly certain they’ve reduced the points / steps ratio but i cannot find anything online. I always thought you got 10pts for 10k not 5 pts

Original Poster

ms20054 m ago

You need an optimiser in your plan to qualify for this. Either £3.50 or £5 …You need an optimiser in your plan to qualify for this. Either £3.50 or £5 extra pcm.


Yes you are correct sorry I should have put that in the original text.
I think there other ways of qualifying for it too, such as the health plans rather than just the life insurance + optimiser that I have, the optimser at £3.50 also got me just over the £30 a month minimum requirement.

Original Poster

ms20057 m ago

I’m fairly certain they’ve reduced the points / steps ratio but i cannot fi …I’m fairly certain they’ve reduced the points / steps ratio but i cannot find anything online. I always thought you got 10pts for 10k not 5 pts


the one thing they have changed is the maximum number of daily points from 10 to 8, everything else has stayed the same (or least in the 3 or 4 months I've been with vitality)

uksparky9 h, 40 m ago

40 points a week can be made up of 5 days of 10k steps and 2 days of …40 points a week can be made up of 5 days of 10k steps and 2 days of 12500, or a few other permutations. I find wearing teh watch all day means I get up to 6/7K steps a day without even trying and I sit/stand at a desk all day. Fitting in 4 or 6k more steps is only about a 30min walk. Also, 30mins of exercise at 70% of your max heart rate gives 10 points too, so there's plenty of ways to hit teh allowance. Worst possibility is that you pay RRP for the watch, personally I'm finding it a nice motivation to be more active.


I'm aware of what's involved in getting the points, by my point is that someone who may be 20 stone plus, or more, isn't going to be suitable for that level of exercise and activity so this deal, while good, won't be for everyone.

HankHandsome6 m ago

I'm aware of what's involved in getting the points, by my point is that …I'm aware of what's involved in getting the points, by my point is that someone who may be 20 stone plus, or more, isn't going to be suitable for that level of exercise and activity so this deal, while good, won't be for everyone.


I think the same can be said for anything.

HankHandsome7 h, 34 m ago

I'm aware of what's involved in getting the points, by my point is that …I'm aware of what's involved in getting the points, by my point is that someone who may be 20 stone plus, or more, isn't going to be suitable for that level of exercise and activity so this deal, while good, won't be for everyone.


Then that's their problem, it's about time we stop pandering to people like this. People need to take their health more seriously. It's completely unacceptable to be 20 stone plus.

Banned

Mada0614 h, 37 m ago

Then that's their problem, it's about time we stop pandering to people …Then that's their problem, it's about time we stop pandering to people like this. People need to take their health more seriously. It's completely unacceptable to be 20 stone plus.


What if you are 7ft 3?

Banned

HankHandsome24th Oct

I think this is a great idea - BUT - it's not really realistic for someone …I think this is a great idea - BUT - it's not really realistic for someone who might be quite overweight to start with or have other issues.12,500 steps for the average person is around 6 miles which, for a lot of people, will be too far.Also, Ocado is one of the most expensive places to shop as well so that's another thing to factor in.As I said, great idea, but it's not quite as "free" as it sounds.


What has this got to do with Ocado?

Thought this sounded like a deal and liked the idea so filled in the quote to then get bombarded with phone calls yesterday and today. Works out that this cover is around £180 more a year (costing £420 annually) than what I have with AXA. If you opt out of the cover just for a discount on the watch, you pay the month plus £40 termination fee, so a minimum of £75 including the first month. They could only say that their cover was better and the benefits outweighed the additional cost, but looking at both policies side by side I struggled to see their point of view... Once I made that point, they turned pretty rude and weren't interested.

If it's too good to be true, then it probably is. And in this case, you're paying more for the privilege of a watch and then some.

Original Poster

Pretronaas2 h, 18 m ago

What has this got to do with Ocado?


Ocado is one of the places you can gain extra vitality points, if you buy healthy food from them.
When I posted the deal I just mentioned this was one of the ways to get points (its not just about getting the most steps in a day), but the Ocado hater on here just moaned about it, I wish I hadn't bothered! I don't use Ocado either I was just mentioning it as a way to earn points but I was shotdown by "HankHandsome"

Original Poster

CrispyColonel1 h, 8 m ago

Thought this sounded like a deal and liked the idea so filled in the quote …Thought this sounded like a deal and liked the idea so filled in the quote to then get bombarded with phone calls yesterday and today. Works out that this cover is around £180 more a year (costing £420 annually) than what I have with AXA. If you opt out of the cover just for a discount on the watch, you pay the month plus £40 termination fee, so a minimum of £75 including the first month. They could only say that their cover was better and the benefits outweighed the additional cost, but looking at both policies side by side I struggled to see their point of view... Once I made that point, they turned pretty rude and weren't interested.If it's too good to be true, then it probably is. And in this case, you're paying more for the privilege of a watch and then some.


Well definitely in your case its not worth doing! For me I'm saving £15 a month/almost £200 a year or thereabouts compared to my previous life insurance company AND gaining free weekly starbucks vouchers/cinema tickets AND gaining a free or heavily discounted Apple watch so its worth it, but like car insurance companies, one company will do better quotes for one person than the next, but hopefully this "deal" will work out as well for others as it did for me.

If I was to do this how do I do it

Original Poster

Gaynor.C.4 h, 52 m ago

If I was to do this how do I do it


You would need to sign up a life insurance (mortgage insurance) or a health plan. so long as it meets criteria such £30 a month minimum and a couple of other things you can then sign up for the Apple watch plan

Here is a link to get the life insurance quote

join.vitality.co.uk/lif…606


And here is the link to get the Apple watch


vitality.co.uk/rew…ch/

You can probably do both at the same time but I already had the life insurance plan I took out about 3 or 4 months ago but I only opted for the Apple watch a week ago.

Original Poster

An update folks, I've had my Apple watch a week now from Vitality.
Very happy with it, I don't have to start earning points until December so it gives me a month to work out how to get enough points to get it for free. I'm easily achieving 3-5 points a day (7,000 to 10,000 steps a day) with an office job and on the days I go for a run I'm achieving the maximum 10 points, so getting 40 points week/160 a month to get it for free should be easy.
If I don't then my first payment won't be until February.
I can't believe how cold this post went for an Apple Watch 3 that can potentially be free yet people are going mad for an Apple Watch 2 deal thats around £250 !
I guess the insurance quotes might not work for a lot of people but my life insurance with Vitality is almost £15 a month less than who I had it with previously.

I did a quote for the life insurance and it came to £9.51 a month....and the minimum requirement is £30 a month to qualify for the Apple Watch. No point for me, I might as well get an Apple Watch on finance!

Original Poster

pez5551 h, 18 m ago

I did a quote for the life insurance and it came to £9.51 a month....and …I did a quote for the life insurance and it came to £9.51 a month....and the minimum requirement is £30 a month to qualify for the Apple Watch. No point for me, I might as well get an Apple Watch on finance!


Bargain ! you could still use vitality and get some of the other incentives, although I can't remember if there is a minimum payment for those too. I get a free starbucks a week and a free cinema ticket a week although I don't use them often enough !

Hi all,

I work closely with vitality and a number of my customers have opted to take the plan, its not for everyone but if it works for you there are some great savings to be had.

If anyone would like to ask a question or get a quote (without being bombarded with sales calls) please drop me an email (info@rm-financial.co.uk).

We have £100 cash back on all policies taken before christmas. Couple of free months for most people!

Thanks,

Rhys

Is this for new customers only or do existing customers qualify for this promotion?
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