I wouldn't lock anything in for above 12 months apart from my marriage.
Divides off WOW shares would be almost as good as fixed interest and you can flick them in a heartbeat if you need the money.
Sorry that it doesn't answer your question but I've been burnt a few times by assuming that they look after their customers.
On second thoughts if you have a reasonable amount you want to lock away for 3 years you would probably be better off splitting it into 2 bundles and buy shares in 2 of the big 4.
