1,000, 2,500 5,000, 7,500 or 10,000 cover Cover extends to such incidents occurring in Great Britain and NI. Claimsline A 24/7 claims service

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1 Motor Products Theft Protect : Insurer courtesy vehicle programs are not always able to provide a suitable replacement vehicle, so Nice 1 created Theft Protect. Subject to the customers own insurance policy being unable to provide a suitable vehicle under the courtesy vehicle program, this policy will provide a vehicle for a selected period (14, 21 or 28 days). Replacement Vehicle: Subject to the customers own insurance policy being unable to provide a suitable vehicle under the courtesy vehicle program, this policy will provide a vehicle for a selected period (3,7,14, 21 or 28 days). We will arrange and pay for a hire vehicle if your vehicle is: stolen, or undriveable following attempted theft damage by fire, vandalism vehicle interference following incident where vehicle is a total loss or if declared a total loss following any of these events. All the benefits of Theft Protect PLUS:- following an accident where your vehicle is a total loss or repairable Misfuel Protect: It can be worryingly easy to Misfuel. This is particularly common in households with access to more than one vehicle and companies with fleets of vehicles running on different fuel types. A moment's inattention can lead to a costly mistake.. 150,000 motorists misfuel every year. Key Protect : Designed to look after your customers should their keys be lost, stolen or broken. Theft or loss of your vehicle or house keys. The policy will reimburse cost of your key or lock replacement up to the policy limit. Annual aggregate limits available. Reprogramming of immobilisers, infra-red handsets and alarms is also covered. Tools in Transit Cover : Losing or damaging tools can have a serious financial effect on a tradesman s ability to earn. Our Tools in Transit cover creates peace of mind when tools and equipment are lost, damaged or stolen whilst in transit or overnight, for a policyholder is still able to continue with their trade. Cars, vans and motorcycles Roadside assistance companies charge 200+ (Exc fuel). The cost to drain petrol, repair parts and replace diesel fuel can come to anything up to 3,000 a) 350 in Policy Period (No excess) b) 1000 in Policy Period (No excess) c) 1500 in Policy Period ( 50 excess) Up to 1,500 locksmith charges p.a. New locks and keys Car hire & onward transport costs 1,000, 2,500 5,000, 7,500 or 10,000 cover Cover extends to such incidents occurring in Great Britain and NI. Claimsline A 24/7 claims service RTI & CV Finance Gap: In the unfortunate event of a vehicle being stolen and not recovered or in an accident and declared a total loss, very few customers will receive back from their motor insurer the amount they originally paid, and this may mean they have to buy a lower spec vehicle or struggle to replace this vehicle at all. Why Should GAP Insurance be the Preserve of car Dealerships? It needn t. With Nice 1 s GAP Protect, you can offer the same protection for up to half the price. RTI (Return To Invoice) & CV Finance Gap versions available 24, 36 & 48 month policies. No restriction on age or mileage Vehicles up to 150,000 value Claim benefits* (*subject to policy chosen) between 10,000 & 25,000 Private cars, motorcycles and light commercial vehicles up to 35cwt. Includes up to 250 motor excess

2 Private Motor: With XS Protect you will no longer have to worry about being out of pocket for the excess. Once the claim is settled by your insurance company, XS Protect will refund your excess. Many customers find that the higher the excess the lower the premium on the core policy will be. This figure is almost totally dependent the insured, their age and insurance claim history. Choosing the right amount of excess can help make sure you get the best deal. Commercial Vehicle: In the case of commercial vehicle motor insurance, the type(s) of vehicle to be covered and the driving history will have an effect on the policy excess applied by the insurance company. This policy can cover vehicles up to 44 tonnes and fleets of up to 30 vehicles and includes caravans & motorhomes Business Car: In the case of Business Car insurance, the type(s) of vehicle to be covered and the driving history will have an effect on the policy excess applied by the insurance company. Designed for the company or individual using their vehicle for business use. Brokers report this is a particularly useful tool to convert business use opportunities. Caravan & Motorhome: In the case of Caravan & Motorhome insurance, the type(s) of vehicle to be covered and the driving history will have an effect on the policy excess applied by the insurance company. Depending on client profile, the policy may be self-funding i.e. increased excess saves more than the cost of the policy (although this is not the primary reason for taking cover) Minibus: If you need to make a claim on an insurance policy. XS insurance will ensure your excess is paid back to you up to a pre-agreed limit. Covers any excess up to the Motorcycle: In the case of Motorcycle insurance, the type(s) of vehicle to be covered and the driving history will have an effect on the policy excess applied by the insurance company. Motorcycle XS Protect is included within our Private Car XS policy. Covers any excess up to the

3 Motor Traders: In the case of Motor Traders insurance, the type(s) of vehicle to be covered and the driving history will have an effect on the policy excess applied by the insurance company. Motor Traders XS Protect is provided within our specialist Commercial XS Protect policy. Exclusive to and created by Nice 1 in response to broker requests. Driving Instructor: In the case of Driving Instructors insurance, the type(s) of vehicle to be covered and the driving history will have an effect on the policy excess applied by the insurance company. Driving Instructor XS Protect is included within our Private Car XS policy. Fleet: Fleet XS Protect is provided within our specialist Commercial XS Protect policy and refunds the excess you may have to pay in the event of a claim on your motor policy. Available for small fleets of 1 4 vehicles. Ask about our fleet & commercial combined policy, discounted for blocks of 5, 10, 15 & 20 vehicles. Commercial Combined: Designed to protect the insurance excesses that apply in the business sector. Covers any excess up to the annual aggregate limit. Covers: Material Damage, Business Interruption, Employers Liability, Public Liability, Product Liability, Contract Works, E & O Insurance. Ideal for small fleets up to 4 vehicles Fleet & Commercial combined for mixed car/van with excess cover levels from 1,000 to 6,500 Excess cover levels 300, 500, 1,000 & 2,500. Covers any excess up to the Multi Car: Designed for the multi car family fleet Up to three vehicles from the same household covered on one policy. Proving very popular with brokers who insure or want to insure more than one person within a household. Excellent product for growing customer base with minimal effort. Excess cover levels 250, 500, 750 & 1,000. Covers any excess up to the Tradesman: Designed to protect the insurance excesses that apply to liability policies that cover tradesmen. Excess cover levels 250, 300, 500, 1,000 & 2,500. Covers any excess up to the annual aggregate limit.

4 Taxi : In the case of taxi insurance, the type of vehicle to be covered and driving history will have an effect on the policy excess applied by the insurance company. Should the policyholder be unfortunate enough to have to make a claim and be asked to pay their policy excess, they will have peace of mind knowing that the excess will be reimbursed by our Taxi Excess Protect cover. Buildings & Contents (Home) : Should the policyholder be unfortunate enough to have to make a claim on their home insurance and be asked to pay their policy excess, they will have peace of mind knowing that the excess will be reimbursed by our Home Excess Protect cover. Lifestyle : An entirely new product. Its creation puts an end to fears of making claims on high excess policies, by ensuring customers will be reimbursed the excess they have paid. Cover available for up to 5 types of policy: Motor, Home, Medical, Travel & Pet insurance. Our Lifestyle Excess Protect policy will reimburse the insurance excess should a policyholder need to make a claim on any of their home, motor, medical, pet, or travel insurance policies with a range of levels of indemnity to suit. A winner for brokers keen to secure more policy covers from fewer policyholders! Landlord Let Residential Property: Cover is provided for the Excess that you are responsible for following the successful settlement of any claim under Your Landlords Insurance Policy relating to liability, building or subsidence. Cover will only operate when the Excess of your Landlords Insurance Policy is exceeded and following the successful claim payment. Single & multiple properties are accommodated by the product. Exclusive from & created by the team at Nice 1 in response to broker requests. Choose from 3 levels:- Motor & Home Motor Home & Travel Motor, Home, Travel, Medical & Pet 9 Excess cover levels from 250 to 2,000. Covers any excess up to the annual aggregate limit. Cover levels available for single & blocks of premises Banding Excess Limit Single Property 250/ 500/ 1, dwellings dwellings 1, dwellings 3,000

5 Lifestyle Products Multi Appliance: Multi Appliance Protect covers most repair or replacement costs for domestic appliances and consumer electronic products that suffer breakdown as a result of sudden mechanical or electrical failure. To benefit from the cover, all items to be insured should no longer be within the manufacturer guarantee period and be less than 8 years old. See single appliance for items that may be covered. Single Appliance: As multi appliance but cover any ONE of the following domestic appliances or consumer electronic products: Dishwasher, Free Standing Cooker, Freezer, Fridge / Freezer, Hob, Oven, Microwave Oven, Refrigerator, Tumble Dryer, Washer/Dryer, Washing Machine DVD Player/Recorder, Hi-Fi System, LCD/LED/Plasma Television, Digital Receiver (Sky, FreeView, FreeSat), Home Theatre Equipment, Sound servers of Wi-fi MP3 units. Multi Appliance Landlord: You can cover the following domestic appliances: Dishwasher, Free Standing Cooker, Freezer, Fridge / Freezer, Hob, Oven, Microwave Oven, Refrigerator, Tumble Dryer, Washer/Dryer, Washing Machine. Home Emergency (Consumer): Home Emergency insurance provides you with an urgent response should you be faced with an emergency at your home. Covers: cold water supply & drainage system, hot water or central heating system, electricity or gas supply, failure of only working toilet cistern, damage/failure external doors, windows or locks, water subsidence or landslip, impact damage, loss of keys, vermin damage. Home Emergency (Landlord): As consumer product, provides an urgent response when faced with an emergency at property. Covers: cold water supply & drainage system, hot water or central heating system, electricity or gas supply, failure of only working toilet cistern, damage/failure external doors, windows or locks, water subsidence or landslip, impact damage, loss of keys, vermin damage. Gadget All Risks: All Risks Premier Gadget Cover will provide cover without the need to claim on a main motor or household policy, keeping any NCD intact. Policy covers accidental damage, theft, loss & breakdown, liquid damage & unauthorised calls, texts or data use to the three insured gadgets that your client chooses to insure. <12 months old + proof of purchase. A : Domestic appliances (up to 5) Maximum claim 1,000. B: Mixture of domestic appliances and consumer electronic products (up to 10 in all). Maximum claim 3,000. C: As B but maximum claim 5,000. A: Domestic appliance or consumer electronic product. Maximum claim 500. B: Domestic appliance or consumer electronic product. Maximum claim 1,000. C: As C but maximum claim 2,000. A: Only domestic appliances (up to 3 items in all) Maximum claim 1,000 B: As A but maximum of 5 in all. Maximum claim 1,500. Significant/unusual exclusion/limits first 50 of each and every claim. Any claim in the first 30 days No more than 3 claims Heating systems & boilers LPG fuelled, oil fired, solar or un-vented or any air conditioning equipment. No age limit on your boiler as long as all the essential working parts are available. As consumer but also excludes: Any wilful or negligent act or omission by you or your tenant Any costs incurred for work other than by an approved repairer Any property left unoccupied for more than 30 consecutive days