RTI / Finance Combination Gap

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2 MOTOR PRODUCTS RTI/FINANCE Combination GAP CV Finance GAP RTI Taxi GAP Misfuel Theft Protect Replacement Vehicle Toolguard Personal Accident & Death Benefit Key Protect Licence Assist

3 RTI / Finance Combination Gap In the event of your car being stolen and not recovered or in an accident and declared a total loss, very few customers will receive from their motor insurer the amount they originally paid for the car, or the finance outstanding and this may mean they have to buy a lower spec vehicle or struggle to replace this vehicle at all. GAP Insurance provides valuable benefits for the majority of customers who purchase a new or used vehicle. If a Total Loss of the insured Vehicle occurs within the Territorial Limits during the Period of Insurance, We will pay the difference between the Insured Value (The amount that You receive under Your Motor Insurance Policy in respect of Your Vehicle being a Total Loss) and either the purchase price of the insured Vehicle as confirmed by the Net Invoice Selling Price or the amount of Your Early Settlement Finance Figure, whichever is the greater. Eligibility Requirements You are eligible for cover under this policy provided: 1. You purchase this policy within 180 days of taking ownership of the Vehicle from a VAT Registered Dealership or Internet Broker. 2. The Net Invoice Selling Price does not exceed 150,000 (one hundred and fifty thousand pounds); 3. The Vehicle is listed in Glass s Guide and is less than 8 years old, and has covered less than 80,000, on the day that You purchase Your policy; 4. The Vehicle is not specifically excluded under the terms and condition of this policy. Policy Transfer If You sell Your Vehicle, provided that no claim has been made under this Insurance, You may transfer the remaining cover to the eligible Replacement Vehicle, subject to Our agreement. Where the Purchase Price of the replacement Vehicle is greater than the original Vehicle Purchase Price, an additional premium may be required.

4 CV Finance Gap up to 44t This Commercial Finance GAP Insurance is arranged by Nice 1 Limited. If a Total Loss of the insured Vehicle occurs within the Territorial Limits during the Period of Insurance, We will pay the difference between the Insured Value (The amount that You receive under Your Motor Insurance Policy in respect of Your Vehicle being a Total Loss) and the amount of Your Early Settlement Figure. The maximum amount We will pay in respect of any one claim will not exceed the Limit of Liability as shown in Your Policy Schedule. If You accept an offer of settlement from Your Motor Insurer of less than the current Market Value of the Vehicle, We reserve the right to contact the Motor Insurer in Your name to assess the offer of settlement and where necessary seek settlement in-line with the Market Value at the time of the incident that lead to Your Vehicle being declared a Total Loss. Eligibility Requirements You are eligible for cover under this policy provided: 1. You purchase this policy within 180 days of taking ownership of the Vehicle from a VAT Registered Dealership. 2. The Net Invoice Selling Price of the Vehicle does not exceed 100,000 (one hundred thousand pounds); 3. The Vehicle is listed in Glass s Guide and is less than 6 years old, and has covered less than 80,000, on the day that You purchase Your policy; 4. The Vehicle is a Heavy Goods Vehicle (HGV) tractor unit or a rigid lorry weighing between 3.5 tonnes and 44 tonnes. Please note trailer units are not covered by this policy. 5. The Vehicle is not specifically excluded under the terms and condition of this policy. Claim benefits (subject to policy chosen) Between 10,000 and 15,000 for vans & trucks 3.5 to 7.5t up to 60,000 vehicle value Between 15,000 to 20,000 for Trucks 7.5 to 44t up to 100,00 vehicle value Available in 36, 48 & 60 month policies.

5 RTI Taxi Gap In the unfortunate event of your car 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 you for the car, and this may mean they have to buy a lower spec vehicle or struggle to replace this vehicle at all. This Return to Invoice GAP Insurance is arranged by Nice 1 Limited. Nice 1 offers a comprehensive range of GAP products to cover the shortfall between the current market value of the vehicle and the original invoice price of the car. Eligibility Requirements You are eligible for cover under this policy provided: 1. You purchase this policy within 180 days of taking ownership of the Vehicle from a VAT Registered Dealership or Internet Broker. 2. The Net Invoice Selling Price does not exceed 50,000 (fifty thousand pounds); 3. The Vehicle is listed in Glass s Guide and is less than 8 years old, and has covered less than 80,000, on the day that You purchase Your policy; 4.The Vehicle is not specifically excluded under the terms and condition of this policy. RTI / Taxi GAP RTI (Return To Invoice) Covers the difference between the original invoice price and current market value. Available in 12, 24, & 36 month policies. Vehicles up to 50,000 value Claim benefits* (*subject to policy chosen) between 5,000 and 10,000 Policy covers family saloons & MPV s Policy Transfer : If You sell Your Vehicle, provided that no claim has been made, you may transfer the cover to the eligible Replacement Vehicle, subject to our agreement.

6 Misfuel Protect What Is Provided? Mis-Fuel Protect provides peace of mind for motorists. 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. An unleaded petrol pump nozzle is smaller than a diesel nozzle and so fits into the fuel tank without resistance. With an increasing number of households owning multiple cars which use different fuel types, accidents are becoming more commonplace. The policy covers cars, vans and motorcycles with assistance available 24 hours a day, every day of the year. Roadside assistance companies charge 200+ (Excluding replacement fuel). 150,000 motorists misfuel every year. The cost to drain petrol, repair parts and replace diesel fuel can come to anything up to 3,000 The repairs needed after fuel is drained may not be covered by Insurance, Warranties or Breakdown cover With a few things on your mind, or being in the usual routine of using petrol, a moment's inattention can lead to a costly mistake..

7 What is 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). In the event of insurer program failing to provide Nice 1 will: Arrange the supply of a replacement vehicle through its national rental network When Will A Vehicle Be Provided? We will arrange and pay for a hire vehicle if your vehicle is: stolen or is made undriveable following attempted theft damage by fire, vandalism vehicle interference following an incident where your vehicle is a total loss or if your vehicle is declared a total loss following any of these events. Significant exclusions or limitations Any vehicle hire costs incurred before we have accepted a claim. We will only pay vehicle hire costs up to the limit specified and for the vehicle group selected in the Certificate of Insurance. Policy holders under 21, motorcycles & private hire vehicles are excluded from the total loss benefit of the policy.

8 Replacement Vehicle When Will A Vehicle Be Provided? What is Replacement Vehicle? In response to customer observations that insurer courtesy vehicle programs are not always able to provide a suitable replacement vehicle, Nice 1 created Replacement Vehicle Insurance. 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). In the event of insurer program failing to provide Nice 1 will: Arrange for vehicle to be referred to nearest alternative approved repairer with courtesy vehicle available or Arrange the supply of a replacement vehicle through its national rental network We will arrange and pay for a hire vehicle if your vehicle is: stolen or is made undriveable following attempted theft damage by fire, vandalism vehicle interference following an accident where your vehicle is a total loss or repairable* as decided by your motor insurers, vehicle repairer or motor engineer, or if your vehicle is declared a total loss by your motor insurer following any of these events. *Subject to your insurer being unable to supply a suitable vehicle under any courtesy vehicle Program. Significant exclusions or limitations Any vehicle hire costs incurred before we have accepted a claim. We will only pay vehicle hire costs up to the limit specified and for the vehicle group selected in the Certificate of Insurance.

9 What is Supercover Toolguard? Trades people rely on their tools to carry on their business. All too frequently, insurance for tools when in vehicles contains restrictions where the policy will only pay claims when vehicles are locked in a garage or secure compound. Tools protect provides a tools in van insurance policy that protects the insured from having to find the money to replace tools should they find themselves in the unfortunate position that they are unable to work, due to the theft of tools from their van or the tools are damaged as a result of an accident involving the van. SIGNIFICANT FEATURES & BENEFITS If your tools in transit are destroyed, damaged or stolen whilst in your vehicle we will replace them. If your tools in transit are destroyed, damaged or stolen during loading or unloading we will replace them. This cover is limited to a maximum of 2 claims in any 12 month period 500, 1,000, 2,500 5,000, 7,500 or 10,000 cover levels (subject to premium paid) in the event that property belonging to you or for which you are responsible is lost, destroyed or damaged whilst being loaded upon, carried by, temporarily housed upon or being unloaded from your vehicle. The policy does not cover: Sheets, ropes, packing materials, securing chains or toggles, property warehoused for a rental or under contract for storage or distribution, money, securities, jewellery, watches, furs, cameras, radios, televisions, record players, cassette players or video or electrical equipment. Goods carried for hire or reward. Damage caused by inadequate packing. The first 100 of each claim Theft from any unattended motor vehicle unless the tools in transit have been concealed in a locked boot or cargo hold or other locked internal compartment and all the vehicle windows and doors have been securely locked and fastened and the keys removed and unattached trailers have had anti-hitching devices put into operation. Loss or damage for anything other than your portable tools Theft from any unattended motor vehicle that occurs overnight (10pm 6am) unless the vehicle is: i. parked in an area secured by a locked gate or a locked garage ii. ii. parked on your driveway iii. If these conditions cannot be met then you must park your motor vehicle in a well-lit area, on the same street as your private home, and the motor vehicle must be visible form your private home.

10 Personal Accident & Death Benefit (Motor) What is PAI & DB Cover? This insurance covers the insured person whilst driving or travelling in the insured vehicle named in the insured person s motor insurance policy. Passengers(s) are only covered whilst travelling in the insured vehicle named in the insured person s motor insurance policy and driven by the insured person or a named driver. This insurance runs concurrently with the insured person s motor insurance policy. In the event of cancellation/nonrenewal of the insured person s motor insurance policy, all cover under this insurance shall cease. Your Motor Personal Accident Insurance Policy provides cover to indemnify you, any joint policyholder whilst driving the insured vehicle and any passengers if you have an accident occurring within the United Kingdom that leads to death or disablement up to the limits in the policy. The policy operates alongside your motor insurance policy. Please refer to policy document for specific exclusions. How much will the policy pay? 1. Accidental death 30, Total and irrecoverable loss of sight in both eyes 30, Total and irrecoverable loss of sight in one eye 5, Loss of one or more limbs 30, Permanent total loss of speech 30, Permanent total loss of hearing a. in one ear 7,500 b. in both ears 30, Permanent total disablement 30,000 Additional benefits in the event of a road rage assault or car-jacking 8. Hospital daily cash benefit 100 per day of confinement but not beyond 30 days first night franchise 9. Emergency dental treatment 250 excess of 25 each and every loss 10. Clothing and personal effects 150 excess of 25 each and every loss 11. Five sessions of stress counselling following a claim under items 2, 3, 4, 5, 6, 7 and 8 The maximum accumulation limit for any one accident shall be 240,000. Significant Exclusions Use of the private passenger vehicle for: hire or reward; racing competition, rallies, trials, speed testing or for any purpose in connection with the motor trade; riding a motorcycle or moped as a driver or passenger.

11 What Supercover Key Protect? This policy provides cover up to 1,500 in the event that any insured keys are accidentally lost, stolen or accidentally damaged. This is subject to the terms, conditions, and limitations shown below or as amended in writing by us. Cost/expense incurred Extent of cover and limitations 1. Locksmith charges for lost or stolen keys If you have no access to your motor cycle/motor vehicle/home due to the loss/theft of your insured key Up to 50 in respect of any insured key broken inside a lock or the ignition of your motor cycle/motor vehicle 2. Locksmith charges for keys locked in your home or your motor cycle or motor vehicle 3. New locks (including reprogramming of immobilisers, infra-red handsets and alarms which are attached to the insured key(s) at the time of the incident 4. Replacement Keys (including any immobiliser, infrared handset and/or alarm which is integral to any insured key if it cannot be repaired or reprogrammed) If you have no immediate access to your motor cycle/motor vehicle /home due to the loss/theft of your insured key If there is a security risk to your motor cycle/motor vehicle/home due to the loss/theft of your insured key (which may arise from gaining entry to the property in 1 or 2 above) Automatic replacement if an Insured Key is stolen If the insured key is lost, replacement will only be provided if you have no access to your motor cycle/motor vehicle/home, or when your keys have bene lost for at least 48hours Up to 2 keys per lock per claim 5. Onward Transport Costs If you have no access to your motor cycle/motor vehicle away from your home Up to 75 per day 6. Vehicle Hire If you are unable to use your motor cycle/motor vehicle due to the loss or theft of your insured keys Up to 40 per day Up to a maximum of 3 days hire 7. Hotel or Accommodation Costs If you have no access to your home Up to 120 per incident Key Exclusions The insurer shall be under no liability for; 1. Any claim made, or any insured event causing the need for a claim to be made, which occurs within 14 days from the start date of the policy; 2. Locks which are damaged prior to the accidental loss, theft, or accidental damage of insured keys; 3. Replacement locks or keys of a higher standard or specification than those insured;; 4. Vehicle hire charges after the third day of hire; 5. Loss or destruction of, or damage to, any property other than an insured key and its associated lock or ignition system, and any immobiliser, infra-red handset and/or alarm attached to the insured key; 6. Any claim for theft or loss where the insured event has not been reported to the police within 48 hours and an incident report number obtained.

12 What is Licence Assist? Licence Assist is a legal expenses insurance contract. Provided no more than 6 points have already been accrued as a result of conviction for offences covered by the policy, it will help you by providing: Motor legal advice Legal representation if you are at risk of being disqualified from driving A monthly financial benefit of 500 or 1,000 if you are disqualified. MOTOR LEGAL ADVICE HELPLINE We will provide advice on any personal legal problem related to motoring, under the laws of Great Britain and Northern Ireland. Advice about the law in England and Wales is available 24 hours a day, seven days a week. MOTOR PROSECUTION DEFENCE If you are prosecuted for a motoring offence and may be disqualified from driving, we will appoint our preferred choice of law firm to defend you, and will pay their costs and expenses. This includes prosecutions for getting 12 or more penalty points. SIGNIFICANT EXCLUSIONS & CONDITIONS We will pay a maximum of 25,000 in legal costs. You must tell us within 10 days of receiving a Notice of Intended Prosecution, or as soon as reasonably possible if you are notified of a prosecution any other way. We will not pay to challenge a fixed penalty notice. We will not pay fines, penalties, prosecution (court) costs or victims surcharge. DISQUALIFICATION BENEFIT If you are disqualified from driving, we will pay you a fixed monthly benefit. The amount you have chosen will be shown in your schedule. SPEED AWARENESS COURSES If you are offered the option of taking a Speed Awareness Course instead of a fixed penalty or prosecution, we will pay the cost of the course.

13 EXCESS PROTECTION Buildings & Contents Business Car Caravan & Motorhome Commercial Combined Commercial Vehicle Driving Instructor Fleet & Commercial Vehicle Combined (5 to 20 vehicle) Fleet (singly 1 to 4 vehicle) Let Residential Property Lifestyle (2,3 & 5 Star) Minibus Motor Trader Motorcycle Multi Vehicle (Family Fleet) Private Motor Taxi Tradesman Liability

14 Buildings & Contents XS Protect Buildings & Contents XS Protect Imagine if you spilt red wine on your lovely new carpet. If the replacement cost was 529 with a 300 excess, your insurers would settle the claim for 229 and your XS Protect policy would reimburse you the 300 excess, ensuring you are not left out of pocket.(subject to it being within the annual cover limit that you have selected). What is XS Protect? When you make a claim on an insurance policy, you will normally have to pay some of the costs yourself. This is called the policy excess. 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. Save Money Most customers will find that the higher you are willing to set your excess the lower the premium on your policy will be. This figure is almost totally dependent on you, your age and insurance claim history. Choosing the right amount of excess can help make sure you get the best deal. 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. Allows you to protect yourself against having to pay the excess on a policy issued in your name, insured by a UK insurer and which is regulated by the FSA We follow the insurer If they pay out We pay out Simple, straight forward and easy to understand 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) Excess cover levels from 250 to 2,000

15 Business Car XS Protect Business Car XS Protect 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. What is XS Protect? When you make a claim on an insurance policy, you will normally have to pay some of the costs yourself. This is called the policy excess. 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. Save Money Most customers will find that the higher you are willing to set your excess the lower the premium on your policy will be. This figure is almost totally dependent on you, your age and insurance claim history. Choosing the right amount of excess can help make sure you get the best deal. 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. Allows you to protect yourself against having to pay the excess on a policy issued in your name, insured by a UK insurer and which is regulated by the FSA We follow the insurer If they pay out We pay out Simple, straight forward and easy to understand 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) Excess cover levels from 250 to 2,000

16 Caravan & Motorhome XS Protect Caravan & Motorhome XS Protect 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. What is XS Protect? When you make a claim on an insurance policy, you will normally have to pay some of the costs yourself. This is called the policy excess. 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. Save Money Most customers will find that the higher you are willing to set your excess the lower the premium on your policy will be. This figure is almost totally dependent on you, your age and insurance claim history. Choosing the right amount of excess can help make sure you get the best deal. 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. Allows you to protect yourself against having to pay the excess on a policy issued in your name, insured by a UK insurer and which is regulated by the FSA We follow the insurer If they pay out We pay out Simple, straight forward and easy to understand 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) Excess cover levels from 250 to 2,000

17 Commercial Combined XS Protect Commercial Combined XS Protect 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. What is XS Protect? When you make a claim on an insurance policy, you will normally have to pay some of the costs yourself. This is called the policy excess. 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. Save Money Most customers will find that the higher you are willing to set your excess the lower the premium on your policy will be. This figure is almost totally dependent on you, your age and insurance claim history. Choosing the right amount of excess can help make sure you get the best deal. 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. Allows you to protect yourself against having to pay the excess on a policy issued in your name, insured by a UK insurer and which is regulated by the FSA We follow the insurer If they pay out We pay out Simple, straight forward and easy to understand 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) Excess cover levels 300, 500, 1,000 & 2,500

18 Commercial Vehicle XS Protect Commercial Vehicle XS Protect 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. What is XS Protect? When you make a claim on an insurance policy, you will normally have to pay some of the costs yourself. This is called the policy excess. 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. Save Money Most customers will find that the higher you are willing to set your excess the lower the premium on your policy will be. This figure is almost totally dependent on you, your age and insurance claim history. Choosing the right amount of excess can help make sure you get the best deal. 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. Allows you to protect yourself against having to pay the excess on a policy issued in your name, insured by a UK insurer and which is regulated by the FSA We follow the insurer If they pay out We pay out Simple, straight forward and easy to understand 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) Excess cover levels from 250 to 2,000

19 Driving Instructors XS Protect Driving Instructors XS Protect 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. What is XS Protect? When you make a claim on an insurance policy, you will normally have to pay some of the costs yourself. This is called the policy excess. 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. Save Money Most customers will find that the higher you are willing to set your excess the lower the premium on your policy will be. This figure is almost totally dependent on you, your age and insurance claim history. Choosing the right amount of excess can help make sure you get the best deal. 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. Allows you to protect yourself against having to pay the excess on a policy issued in your name, insured by a UK insurer and which is regulated by the FSA We follow the insurer If they pay out We pay out Simple, straight forward and easy to understand 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) Excess cover levels from 250 to 2,000

20 Fleet & Commercial Combined XS Protect Fleet & Commercial Combined XS Protect Fleet & Commercial Combined XS Protect is designed to accommodate larger fleets of mixed car and vans. Blocks of 5, 10, 15 and 20 vehicles enables significant discounts on individual fleet vehicle policies. What is XS Protect? When you make a claim on an insurance policy, you will normally have to pay some of the costs yourself. This is called the policy excess. 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. Save Money Most customers will find that the higher you are willing to set your excess the lower the premium on your policy will be. This figure is almost totally dependent on you, your age and insurance claim history. Choosing the right amount of excess can help make sure you get the best deal. 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. Allows you to protect yourself against having to pay the excess on a policy issued in your name, insured by a UK insurer and which is regulated by the FSA We follow the insurer If they pay out We pay out Simple, straight forward and easy to understand 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) Excess cover levels from 1,000 to 6,500 Ideal for mixed car and van fleets Up to 5, 10, 15 and 20 vehicles covered

21 Fleet XS Protect Fleet XS Protect 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. What is XS Protect? When you make a claim on an insurance policy, you will normally have to pay some of the costs yourself. This is called the policy excess. 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. Save Money Most customers will find that the higher you are willing to set your excess the lower the premium on your policy will be. This figure is almost totally dependent on you, your age and insurance claim history. Choosing the right amount of excess can help make sure you get the best deal. 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. Allows you to protect yourself against having to pay the excess on a policy issued in your name, insured by a UK insurer and which is regulated by the FSA We follow the insurer If they pay out We pay out Simple, straight forward and easy to understand 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) Excess cover levels from 250 to 2,000 Ideal for small fleets up to 4 vehicles See Fleet & Commercial combined for mixed car/van and larger fleet discounts

22 Let Residential Property XS Protect Let Residential Property XS Protect What is XS Protect? When you make a claim on an insurance policy, you will normally have to pay some of the costs yourself. This is called the policy excess. 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. Save Money Most customers will find that the higher you are willing to set your excess the lower the premium on your policy will be. This figure is almost totally dependent on you, your age and insurance claim history. Choosing the right amount of excess can help make sure you get the best deal. 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. 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. Protect yourself against having to pay the excess on a policy issued in your name, insured by a UK insurer and which is regulated by the FCA Simple, straight forward and easy to understand Cover levels available for single & blocks of premises Banding Excess Limit Single Property 250/ 500/ 1, dwellings dwellings 1, dwellings 3,000

23 Lifestyle XS Protect Lifestyle XS Protect 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. What is XS Protect? When you make a claim on an insurance policy, you will normally have to pay some of the costs yourself. This is called the policy excess. 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. Save Money Most customers will find that the higher you are willing to set your excess the lower the premium on your policy will be. This figure is almost totally dependent on you, your age and insurance claim history. Choosing the right amount of excess can help make sure you get the best deal. 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. Allows you to protect yourself against having to pay the excess on a policy issued in your name, insured by a UK insurer and which is regulated by the FSA We follow the insurer If they pay out We pay out Simple, straight forward and easy to understand 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) Excess cover levels from 250 to 2,000

24 Minibus XS Protect Minibus XS Protect In the case of Minibus 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. What is XS Protect? When you make a claim on an insurance policy, you will normally have to pay some of the costs yourself. This is called the policy excess. 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. Save Money Most customers will find that the higher you are willing to set your excess the lower the premium on your policy will be. This figure is almost totally dependent on you, your age and insurance claim history. Choosing the right amount of excess can help make sure you get the best deal. 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. Allows you to protect yourself against having to pay the excess on a policy issued in your name, insured by a UK insurer and which is regulated by the FSA We follow the insurer If they pay out We pay out Simple, straight forward and easy to understand 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) Excess cover levels from 250 to 2,000

25 Motor Traders XS Protect Motor Traders XS Protect 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. What is XS Protect? When you make a claim on an insurance policy, you will normally have to pay some of the costs yourself. This is called the policy excess. 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. Save Money Most customers will find that the higher you are willing to set your excess the lower the premium on your policy will be. This figure is almost totally dependent on you, your age and insurance claim history. Choosing the right amount of excess can help make sure you get the best deal. 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. Allows you to protect yourself against having to pay the excess on a policy issued in your name, insured by a UK insurer and which is regulated by the FSA We follow the insurer If they pay out We pay out Simple, straight forward and easy to understand 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) Excess cover levels from 250 to 2,000

26 Motorcycle XS Protect Motorcycle XS Protect 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. What is XS Protect? When you make a claim on an insurance policy, you will normally have to pay some of the costs yourself. This is called the policy excess. 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. Save Money Most customers will find that the higher you are willing to set your excess the lower the premium on your policy will be. This figure is almost totally dependent on you, your age and insurance claim history. Choosing the right amount of excess can help make sure you get the best deal. 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. Allows you to protect yourself against having to pay the excess on a policy issued in your name, insured by a UK insurer and which is regulated by the FSA We follow the insurer If they pay out We pay out Simple, straight forward and easy to understand 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) Excess cover levels from 250 to 2,000

27 Multi Car Family Fleet XS Protect Multi Car Family Fleet XS Protect Multi Car Family Fleet XS Protect refunds the excess you may have to pay in the event of a claim on your motor policy. What is XS Protect? When you make a claim on an insurance policy, you will normally have to pay some of the costs yourself. This is called the policy excess. 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. Save Money Most customers will find that the higher you are willing to set your excess the lower the premium on your policy will be. This figure is almost totally dependent on you, your age and insurance claim history. Choosing the right amount of excess can help make sure you get the best deal. 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. Allows you to protect yourself against having to pay the excess on a policy issued in your name, insured by a UK insurer and which is regulated by the FSA We follow the insurer If they pay out We pay out Simple, straight forward and easy to understand 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) Excess cover levels 250, 500, 750 & 1,000 Designed for the multi car family fleet Up to three vehicles from the same household covered

28 Private Motor XS Protect Private Motor XS Protect In the case of motor insurance, the type of vehicle to be covered and your driving history will have an effect on the policy excess applied by the insurance company. Private motor XS protect includes cover for motorcycles & driving instructors. What is XS Protect? When you make a claim on an insurance policy, you will normally have to pay some of the costs yourself. This is called the policy excess. 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. Save Money Most customers will find that the higher you are willing to set your excess the lower the premium on your policy will be. This figure is almost totally dependent on you, your age and insurance claim history. Choosing the right amount of excess can help make sure you get the best deal. 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. Allows you to protect yourself against having to pay the excess on a policy issued in your name, insured by a UK insurer and which is regulated by the FSA We follow the insurer If they pay out We pay out Simple, straight forward and easy to understand 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) Excess cover levels from 250 to 2,000

29 Taxi XS Protect Taxi XS Protect In the case of taxi insurance, the type of vehicle to be covered and your driving history will have an effect on the policy excess applied by the insurance company. What is XS Protect? When you make a claim on an insurance policy, you will normally have to pay some of the costs yourself. This is called the policy excess. 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. Save Money Most customers will find that the higher you are willing to set your excess the lower the premium on your policy will be. This figure is almost totally dependent on you, your age and insurance claim history. Choosing the right amount of excess can help make sure you get the best deal. 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. Allows you to protect yourself against having to pay the excess on a policy issued in your name, insured by a UK insurer and which is regulated by the FSA We follow the insurer If they pay out We pay out Simple, straight forward and easy to understand 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) Excess cover levels from 250 to 2,000

30 Tradesman Liability XS Protect Tradesman Liability XS Protect Designed to protect the insurance excesses that apply to liability policies that cover tradesmen. Covers any excess up to the annual aggregate limit. What is XS Protect? When you make a claim on an insurance policy, you will normally have to pay some of the costs yourself. This is called the policy excess. 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. Save Money Most customers will find that the higher you are willing to set your excess the lower the premium on your policy will be. This figure is almost totally dependent on you, your age and insurance claim history. Choosing the right amount of excess can help make sure you get the best deal. 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. Allows you to protect yourself against having to pay the excess on a policy issued in your name, insured by a UK insurer and which is regulated by the FSA We follow the insurer If they pay out We pay out Simple, straight forward and easy to understand 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) Excess cover levels 250, 300, 500, 1,000 & 2,500

31 LIFESTYLE PRODUCTS Bicycle Protect Handbag & Briefcase Protect Gadget Domestic Home Emergency Landlord Home Emergency Single Appliance Multi Appliance Landlord Multi Appliance Family Professional / Legal Protection Commercial Legal Protection Landlord Legal Protection

32 Bike Protect What is Bike Protect? The policy entitles you to repair or replacement of your bicycle, once all relevant paperwork has been received and extends to cover up to 60 days whilst you are abroad. Depending on the level of cover you have selected the policy will cover the bicycle you stated on the application up to a maximum sum insured. Accidental Damage : We will pay repair costs if your bicycle is damaged as the result of an accident. Theft : If your bicycle is stolen we will replace it. Where only part or parts of your bicycle have been stolen, we will only replace that part or parts. Breakdown : Mechanical breakdown that occurs outside the manufacturer s guarantee period. Cover Levels : 500, 1,000, 1,500, 2,000, 2,500 and 3,000 Personal Accident : We will pay the amount shown if at any time whilst you are using your bicycle, you are involved in an accident, which shall solely and independently of any other cause, bring about such bodily injury which results in either death, loss of limb, loss of sight or permanent total disablement. The amounts we will pay under this section are: Loss of limb 5,000; Loss of sight 5,000; Permanent total disablement 10,000; Death 10,000; Benefit under this section shall be payable to you or your nominees, and shall be limited to a maximum of 10,000 per person. Exclusions Accidental damage caused by you deliberately damaging or neglecting the bicycle; An Excess Fee of the first 10% of the maximum cover limit for your bicycle, with a minimum charge of 25. Any theft not reported to the police within 24-hours and a crime reference number obtained

33 What is Handbag & Briefcase Protect? The policy entitles you to replacement of your handbag / briefcase, its contents and your personal items, once all relevant paperwork has been received and extends to cover up to 90 days whilst you are abroad. This policy covers up to a maximum value per claim (the maximum claim value can be found on your Schedule of Insurance) and allows up to a maximum of two claims to be made within any 12 month period. POLICY COVER Theft - If your handbag / briefcase, its contents or your personal items are stolen we will replace them. Accidental loss - If you accidentally lose your handbag / briefcase, its contents and your personal items we will replace them. Cover levels Cover levels of 250, 500 and 1,000 General conditions applicable to all sections The handbag / briefcase, its contents and your personal items must be less than 36 months old with valid proof of purchase in your name when the policy is started. Any claims for personal items exceeding 100 where proof of purchases are not available What we will not cover The first 25 of each theft & first 50 of each loss claim. Theft from any vehicle unless your handbag / briefcase, its contents or your personal items have been concealed in a locked boot, glove compartment or other internal compartment and all the vehicle s windows and doors closed and locked and all security systems have been activated. Damage must be caused by the thief and a crime reference number relating to this damage and this theft must be provided with your claim. Theft where the handbag / briefcase, its contents or your personal items have been left unattended when away from your home. Any theft not reported to the police within 48-hours and a crime reference number obtained.

34 What is GADGET SUPERCOVER? Electronic gadgets are now part and parcel of our everyday lives and in addition to the inconvenience, the cost of replacement can be expensive and depending on the model can run into hundreds of pounds. Gadget Supercover will provide cover without the need to claim on a main motor or household policy, keeping any No Claims Discount intact. Significant Features and Benefits This policy provides cover up to the limit shown on your Policy Schedule for the items you have insured with us. This policy will provide cover for insured perils that include: Accidental damage - We will pay for repair costs if your gadget is damaged as the result of an accident. Theft - If your gadget is stolen we will replace it. Loss - If you lose your mobile phone we will replace it. No other gadget is insured for accidental loss. Breakdown - Electrical or mechanical breakdown that occurs outside the manufacturers guarantee period. This cover is not available on laptops. Worldwide Cover - Your gadget is covered for up to 90 days abroad within any 12 month period. Replacement or repair can only be dealt with once you are back in the UK. Fraudulent Call Cover - If your mobile phone is accidentally lost or stolen and is used fraudulently, we will reimburse you for the costs upon receipt of your itemised bill up to the maximum value of Cover for you and your immediate family Under the Accidental Damage, Breakdown and Liquid Damage sections, items may be repaired (where possible) or replaced, at our discretion Levels of Cover Available Cover is limited to two claims per insured peril during any single period of insurance. Cover levels of 500 & 1, / 300 / 750 / 1500 values on request In vehicle only versions also available This policy will not cover: Accidental damage caused by: - you deliberately damaging or neglecting the gadget; - routine servicing, inspection, maintenance or cleaning; or - any cosmetic damage Theft from any motor vehicle unless the gadget has been concealed in a locked closed boot, pannier, other closed internal compartment and all the vehicle s windows and doors closed and locked and all security systems have been activated. Damage must be caused by the thief and evidence provided with your claim; Theft from any building, land or premises unless force, resulting in damage to the building or premises, was used to gain entry or exit; Any theft or loss not reported to the police within 48-hours and a crime reference number obtained; Any theft or loss of a mobile phone which has not been reported to your airtime provider within 24 hours of you discovering the theft; The loss of gadget other than your mobile phone The gadgets must be less than 36 months old with valid proof of purchase when the policy is started. This insurance does not cover gadgets purchased outside of the UK, or any gadgets purchased second hand. There is an excess fee for all claims which must be paid before your claim can be approved. This is first 25 of each theft or accidental damage claim or the first 50 of each accidental loss claim.

35 Domestic Home Emergency What is Home Emergency? Our Home Emergency insurance provides you with an urgent response should you be faced with an emergency at your home arising from a number of potentially disastrous events that require assistance from a reliable and reputable contractor. We have arranged links with tradesmen all over the UK so that your emergency can be assessed and a suitable response put in hand with minimal delay. What type of emergencies are covered? 1. Damage to or blockage, breakage or flooding of the cold water supply and drainage system; 2. failure of the main domestic hot water or central heating system in your home to function; 3. failure of the domestic electricity or gas supply from a cause arising within your home; 4. roof damage caused by storm which results in or is likely to result in internal damage; 5. damage to, or internal mechanical failure of, the toilet cistern in your home resulting in complete loss of function of the only working toilet at your home; 6. damage to or the failure of external doors, windows or locks which significantly compromises the security of your home 7. ingress of water or compromised security caused by subsidence or landslip; 8. impact damage by falling trees, motor vehicles, aerials, masts, aircraft or other aerial devices; or 9. loss of keys or damage to your keys or locks preventing you from gaining access to your home 10. vermin causing damage inside your home or becoming a health risk to you requiring urgent assistance to carry out repairs, make your home safe or secure, prevent further damage or gain access. Significant and unusual exclusions or limitations You will be responsible for paying the first 50 of each and every claim. Any claim arising in the first 30 days of the insurance period unless this is a renewal of any policy covering the same risks You will not be insured for more than three claims in any one period of insurance. Heating systems and boilers that are 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. If not possible to repair your boiler or you choose to replace it at any time, as a customer, you are entitled to a discount on the cost of installing a boiler if we replace it for you.

36 Landlord Home Emergency What is Landlord Home Emergency? Our Landlord Home Emergency insurance provides you with an urgent response should you be faced with an emergency at your property arising from a number of potentially disastrous events that require assistance from a reliable and reputable contractor. We have arranged links with tradesmen all over the UK so that your emergency can be assessed and a suitable response put in hand with minimal delay. What type of emergencies are covered? 11. Damage to or blockage, breakage or flooding of the cold water supply and drainage system; 12. failure of the main domestic hot water or central heating system in the property to function; 13. failure of the domestic electricity or gas supply from a cause arising within the property; 14. roof damage caused by storm which results in or is likely to result in internal damage; 15. damage to, or internal mechanical failure of, the toilet cistern in the property resulting in complete loss of function of the only working toilet at the property; 16. damage to or the failure of external doors, windows or locks which significantly compromises the security of the property 17. ingress of water or compromised security caused by subsidence or landslip; 18. impact damage by falling trees, motor vehicles, aerials, masts, aircraft or other aerial devices; or 19. vermin causing damage inside the property or becoming a health risk to occupiers requiring urgent assistance to carry out repairs, make your home safe or secure, prevent further damage or gain access. Significant and unusual exclusions or limitations You will be responsible for paying the first 50 of each and every claim. Any claim arising in the first 30 days of the insurance period unless this is a renewal of any policy covering the same risks Heating systems and boilers that are 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. If not possible to repair your boiler or you choose to replace it at any time, as a customer, you are entitled to a discount on the cost of installing a boiler if we replace it for you. Any wilful or negligent act or omission by you or your tenant Any costs incurred for work carried out other than by an approved repairer Any home that has been left unoccupied for more than 30 consecutive days

37 Single Appliance Protect What is Single Appliance Protect? This is a single appliance policy that covers most repair or replacement costs for either a domestic appliance or a consumer electronic product that suffers breakdown as a result of abrupt mechanical or electrical failure which prevents the item operating normally and necessitates repair to restore normal operation. What type of appliances can I cover and how many? You can 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. To benefit from the cover, the item to be insured should no longer be within the manufacturer guarantee period and be less than 8 years old. In addition the insured item must have been bought in the UK, be owned by you and installed in your home. Cover Level A You can insure either a domestic appliance or a consumer electronic product and the maximum you can claim is limited to 500 during the period of insurance. Cover Level B You can insure either a domestic appliance or a consumer electronic product and the maximum you can claim in any one period of insurance is limited to 1,000. Cover Level C You can insure either a domestic appliance or a consumer electronic product and the maximum you can claim in any one period of insurance is limited to 2,000.

38 Multi Appliance Protect What is Multi Appliance Protect? 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. What type of appliances can I cover and how many? 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 and the following consumer electronic products 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. The policy can cover a maximum number of 5 or 10 items depending upon the cover option you select provided you specify what they are, how much they cost and when you bought them at the time you take out the policy. 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. In addition the insured items must have been bought in the UK, be owned by you and installed in your home. Cover Level A You can only insure domestic appliances (up to 5 items in all) and the maximum you can claim is limited to 1,000 during the period of insurance. Cover Level B You can insure a mixture of domestic appliances and consumer electronic products up to a maximum of 10 in all. The maximum you can claim in any one period of insurance is limited to 3,000. Cover Level C Similar to Cover Level B but with the maximum amount you can claim during the period of insurance increased to 5,000.

39 Landlord Multi Appliance Protect What type of insurance is it? This is a multi-appliance policy that covers most repair or replacement costs for domestic appliances that suffer breakdown as a result of sudden mechanical or electrical failure. What type of appliances can I cover and how many? 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. The policy can cover a maximum number of 3 or 5 items depending upon the cover option you select provided you specify what they are, how much they cost and when you bought them at the time you take out the policy. 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. In addition the insured items must have been bought in the UK, be owned by you and installed in a property that you own. Cover Level A You can only insure domestic appliances (up to 3 items in all) and the maximum you can claim is limited to 1,000 during the period of insurance. Cover Level B You can insure domestic appliances up to a maximum of 5 in all. The maximum you can claim in any one period of insurance is limited to 1,500. What does the policy cover me for? The policy is designed to pay for repair costs following abrupt mechanical or electrical failure which prevents the item operating normally and necessitates repair to restore normal operation. If in our opinion the item is beyond economic repair we will, at our discretion, replace it with one of identical or similar specification provided the cost of replacement does not exceed the price paid for the original item. If the item to be replaced is more than four years old a deduction for depreciation in accordance with the age related scale set out in the policy will apply to your claim. What is the difference between Cover Level options? There is no difference in the risks covered whichever option you select. The differences are in the number and type of products you can insure and in the maximum amount that you can claim during the period of insurance as follows:

40 FAMILY PROFESSIONAL FEES What is the Family Professional Fees Policy? The policy is designed to cover the cost of professional fees charged by a claims handler, solicitor or accountant following a specific occurrence, provided that cover for that occurrence is detailed within the policy wording and is not specifically excluded within the policy schedule issued. The policy includes the following features (unless specifically excluded by the policy schedule issued), which are fully explained in detail in the policy wording. The Claim Limits provided will be shown on the policy schedule issued. Personal Injury - Death of or bodily injury resulting from the negligence of another person. Consumer Disputes - Pursuing or defending a claim which arises from a contract for services, purchase, hire, hire purchase or sale of personal goods. Home Rights - Pursuing claims connected to goods or services used in your home or an infringement of your rights relating to your home. Taxation - Professional Fees arising from or relating to an Aspect Enquiry in excess of 100 or an in-depth HM Revenue & Customs investigation of your personal tax affairs. Employment - Disputes with Your employer for compensation or reinstatement or reengagement on the grounds of unfair dismissal or unfair selection for redundancy. Criminal Prosecution Defence - Defence of your legal rights including appeal, where criminal proceedings have been brought against you. Education - Appealing against a decision of a Local Education Authority arising out of the LEA s failure to comply with its published admission policy resulting in the refusal to accept the Insured s child at the school of their preference. Probate - The pursuit of a claim in respect of a probate dispute involving the Insured person s parents, grandparents, children, step-children or adopted children. Identity Theft - Defending a claim from a financial institution, merchants or their collection agencies. Removal of criminal or civil judgments wrongly entered against the Insured Person. Jury Service Expenses - The actual loss of salary or wages of an Insured Person for the time off work to attend a Court for Jury Service provided the amount paid under this section shall not exceed 100 per person per day up to a maximum of 1,000 per claim. Legal Advice Helpline Service - Free access to legal advice & assistance. CLAIM LIMITS Any One Claim 50,000 Any One Period of Insurance 50,000 Unless detailed otherwise in the specific section of the policy wording

41 COMMERCIAL LEGAL PROTECTION What is Commercial Legal Protection? The high cost of legal advice, coupled with increasingly complex and changing employment legislation, means few companies have the resources or expertise to defend themselves against legal action. Employees are increasingly aware of their rights and, encouraged by several high-profile cases and increasing media coverage, are more likely to take action if they lose their job or consider they have been discriminated against. Would you know what to do if: Your company was taken to an employment tribunal? Your company was subject to a tax enquiry by HMRC? The Health & Safety Executive prosecuted your company following an accident at your premises? Nice 1 Commercial Legal Protection offers comprehensive cover for the main areas where legal disputes may arise. What we pay The policy will pay legal costs up to 100,000 including solicitors and barristers fees, court costs, expenses for expert witnesses, attendance expenses, accountants fees and employment compensation awards. It will also pay the costs of appealing or defending an appeal. What the policy covers Employment disputes and compensation awards Defending your legal rights in employment tribunals, contract disputes & statutory rights breaches Employee Civil Defence Service occupancy Legal defence involving proceedings when dealing with the police or the relevant Health and Safety authority Statutory licence appeal - Appealing to the relevant statutory or regulatory authority Contract disputes cover negotiating legal rights following purchase or hire or sale or provision of goods or services Property protection and personal injury - Pursuing your / your employees legal rights following actions of damage against property or incidents involving injury Tax protection - Full or aspect enquiries Representing in respect of a full or aspect enquiry carried out by HMRC. A 200 excess for aspect enquiries Cross-tax enquiries - Representing in any dealings with HMRC in respect of a full enquiry which includes a review of VAT and/or Employer compliance. Employer compliance disputes - Representing you in appeal proceedings concerning your compliance with PAYE, Social Security, Construction Industry or IR35 legislation and regulations. VAT disputes - Representing in appeal arising out of a dispute with HMRC. Helpline services

42 Landlord Legal & Professional Fees What type of insurance is it? The policy is designed to cover the cost of professional fees charged by a claims handler, solicitor or accountant following a specific occurrence, provided that cover for that occurrence is detailed within the policy wording and is not specifically excluded within the policy schedule issued. SIGNIFICANT FEATURES AND BENEFITS The policy includes the following features which are fully explained along with exclusions and limitations in full detail in the policy wording. CLAIM LIMITS: Any One Claim 50,000. Any One Period of Insurance 50,000 Unless detailed otherwise. Section of Cover Cover Provided Specific Section Exclusions Breach of Tenancy Agreement Pursuit following a breach by the tenant of any of their obligations under the tenancy Agreement. Pursuit of Rent Arrears The pursuit of Rent Arrears which commenced during the period of insurance. Professional Fees incurred in connection with interest on Rent or service charges payable by the tenant. Any Rent payable after You have recovered full and vacant possession. Eviction The eviction of anyone in the property without your permission. Legal Defence The defence of civil or criminal proceedings in respect of any act or omission by you arising from your ownership or management of the property. Legal Advice Helpline Service Free access to legal advice & assistance. The helpline can provide general advice only and cannot assist with complex legal matters which may require the review of documentation and is not intended to replace the services of a solicitor.