MOTONOVOCARE POLICY A Payment Protection Insurance Policy

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1 MOTONOVOCARE POLICY A Payment Protection Insurance Policy IMPORTANT: This policy contains terms that set out what is covered and what is not covered by this insurance. You should read this document carefully so that you know what insurance you have. What this policy is for: Provided you have paid your premiums, we will pay the benefits described if you die, are diagnosed with a terminal illness, are unable to work through accident/sickness or become unemployed. Full details of your cover, the conditions that apply, the claims process and the circumstances when claims will not be met are contained in this policy. ARE YOU ELIGIBLE FOR COVER UNDER THIS POLICY? It is particularly important that you check that you may take out cover under this policy. On the start date you must: 1. Be the customer whose name is shown first in your agreement; and 2. Be living lawfully in the UK; and 3. Be over 18 and under 65 years of age; and 4. Be engaged in work continuously for at least 6 months prior to the start date. CUSTOMER INFORMATION YOUR RIGHT TO CHANGE YOUR MIND You may cancel this policy by writing to The Customer Services Manager, MotoNovo Finance, MotoNovo House, Lambourne Crescent, Cardiff Business Park, Llanishen, Cardiff, CF14 5GL within 30 days of the start date or the date you receive your policy documents if this is later. We will refund any premium paid, provided no benefit has been paid. You may then cancel this policy at any time by giving 30 days notice in writing to the above address. Your policy premium is payable monthly, so no refund of premium shall be payable. If you have any queries about this policy, please contact Sterling Client Services Limited, 50 Kings Hill Avenue, West Malling, Kent, ME19 4JX telephone number in respect of a question on a claim; please contact MotoNovo Finance, MotoNovo House, Lambourne Crescent, Cardiff Business Park, Llanishen, Cardiff, CF14 5GL, telephone number in respect of a question on the policy details (all calls are recorded for training, compliance and claims purposes). If you have hearing or sight difficulties, we are able to provide upon request audio tapes, large print documentation and Braille documentation. Please advise us if you require any of these services to be provided so that we can communicate in an appropriate manner. Telephone calls may be monitored or recorded to assist with staff training and for quality control purposes. CONTENTS OF YOUR POLICY Your policy contains the following sections: SECTION A: Guide to your policy - this section provides the Definitions of key terms and tells you who is insured and what benefits we will consider. SECTIONS B: Premiums - this tells you how you are paying for this policy. SECTION E: Involuntary unemployment benefit (including benefits for carers). SECTION F: Claims - this section tells you what you must do if you want to make a claim under this policy. SECTION G General Provisions - this section tells you the general terms that apply to your policy. SECTION H Customer Service Information - this section tells you how to contact us and how to make a complaint. SECTION A: GUIDE TO YOUR POLICY 1. DEFINITIONS In this policy, the words listed below have the following meanings when they appear in bold text: Accident/sickness means you are absent from work and certified as unfit to work by your doctor (or if less than 7 days you can Self-Certify) due to injury, illness, or disease. Your accident/sickness must have started at a time when you are in work. You must be unfit to do the job that you are/were employed to do. If due to accident/sickness you are no longer employed, you must be unfit to do a job that your education or experience would allow you to. You must be under the continued supervision of, and receiving treatment from, a doctor throughout the period of your claim. We will regard your accident/sickness as starting on the day you first consult, or receive treatment from, and are confirmed as being unfit to work, by a doctor. Agreement means your finance or loan agreement with the lender. Back condition means any accident/sickness which is due to or arising from any disorder of or injury to, the spine, its intervertebral discs, nerve roots or supporting musculature and ligaments. Carer means you being unable to work only because you have to care for your relative on a full-time basis and are either in receipt of or awaiting a carer s allowance from the Department for Work and Pensions. Carer s allowance means a taxable benefit paid by the Department for Work and Pensions to informal carers. Ceased to trade means you are entirely out of paid work because your business has failed or the business of which you are a director has failed, and you have provided accounts to your last day of trading and your last tax return has been placed with your local tax office. This does not include a temporary break in trading of the business. Company, means the insurer for that particular Section of the policy. Company director means a director who owns more than 10% of the issued share capital of the company (or you are a relative of a director who is working for the same company as you and who owns more than 10% of the issued share capital of that company). CBRN terrorism means an act, including but not limited to the use of force or violence and /or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organisation(s) or government(s), committed for political, religious, ideological or similar purposes including the intention to influence any government and/or put the public, or any section of the public in fear resulting directly or indirectly from or in connection with the release of nuclear, biological, chemical or radiological agents. SECTION C D: The benefits we will pay and the terms and conditions that apply to them. SECTION C Life and terminal illness benefit. SECTION D Accident/sickness benefit. Doctor means: a registered medical practitioner practising in the UK being a fully registered person under the Medical Act 1983;

2 but does not include you, your spouse, your cohabitees, your registered civil partner under the Civil Partnership Act 2004 or any of your relatives. End date means the end date set out in the schedule to your policy. Involuntary unemployment/unemployed means being without work or any other paid job, including being without work due to becoming a carer. Lender means the lender named in the guide to your policy with whom you have entered into an agreement. Mechanical back pain means where the source of pain may originate in the spinal joints; or the vertebrae or the soft tissue surrounding the spinal column, with no structural abnormality of the back present. Medical officer a qualified doctor employed or engaged by Covéa Life Limited. Monthly benefit means the monthly amount due from you to the lender under the original terms of your agreement. It does not include default charges and associated costs, arrears and the final repayment under your agreement if this is greater than the penultimate repayment stated in your original agreement (but will include the administration fee and option to purchase fee noted on your original agreement). Period of cover means the period from the start date to the end date. Permanent employment means you are working for remuneration for an employer based in the UK under a contract of employment and paying the appropriate National Insurance Contributions (Class 1, Class 1A or 1B, Class 2, Class 3 or Class 4) for your employment type. Policy means this insurance policy. Pre-existing condition means any condition, injury, illness, disease, sickness or related condition and/or associated symptoms, whether diagnosed or not which you: knew about or should reasonably have known about at the start date; or had seen or arranged to see a doctor about in the 12 months before the start date. Psychological illness means a condition affecting, or arising in the mind which is related to your mental and emotional state. This includes all forms of depression, anxiety and stress or stress related illness. Relative means your spouse, civil partner, parent or child. Repayment date means the date on which the final payment under the original terms of your agreement becomes due. Schedule means the certificate of insurance accompanying this policy and showing the level of cover you have selected. Self-employed means you are working alone, or in partnership with others in the UK for remuneration or profit, registered with HMRC as self-employed, and paying Class 2 National Insurance Contributions (or being credited in respect of such contributions) and being assessed for Income Tax under Schedule D Case I or II. Settlement figure means the amount required by the lender at the date of your death or terminal illness to discharge the amount you owe under your agreement. For this purpose, the amount you owe excludes default charges, associated charges, and arrears but includes any Personal Loan amounts financed under your agreement. Start date means the date shown in the Guide to your policy. Sterling Client Services Limited means the administrators for all sections of the policy on behalf of the insurers. Terminal illness means you are diagnosed as suffering an advanced or rapidly progressing incurable illness where, in the opinion of an attending consultant and our Medical Officer, your life expectancy is not greater than 12 months. UK means England, Scotland, Wales, Northern Ireland, the Channel Islands and the Isle of Man. Unemployed or unemployment means a period during which you must be no longer employed or self-employed and be: a) receiving the appropriate class of National Insurance contribution credits b) available for and actively looking for work in the UK; c) registered as unemployed with the appropriate government agency; d) entirely without work; and e) not receiving wages. Waiting period means the first 30 days of any accident/sickness and unemployment claim. If you are self-employed, in addition to a) to e) above you must also have ceased to trade. If you are a company director, your company must have been wound up by a creditor who is not a director of that company. Work, working means being in permanent employment or selfemployed (including being on statutory maternity, paternity or adoption leave) We, Us, Our, means Covéa Life Limited in respect of life and terminal illness cover as set out in Section C and Red Sands Insurance Company (Europe) Limited in respect of the accident/sickness and involuntary unemployment (including carers) cover as set out in Sections D and E. You, your means a UK resident who is eligible for and has applied for this insurance under this policy. 2. Who are your insurers? Covéa Life Limited provides life and terminal illness cover as set out in Section C. Red Sands Insurance Company (Europe) Limited provides the accident/sickness and involuntary unemployment (including carers) cover as set out in Sections D and E. 3. Who is your lender? The lender under your agreement is stated in the schedule. 4. Who is insured? The person named first in the agreement 5. When does my insurance cover start? The start date of your policy is shown in the schedule. 6. When does my insurance cover end? The end date of your policy is the earliest of the following dates:- a) the date of your death; or b) the date you reach the age of 65 for accident/sickness and involuntary unemployment (including carers) cover and age 70 for life and terminal illness cover; or c) the date shown in the schedule; or d) the date on which all sums due to the lender under your agreement have been paid; or e) the repayment date; or f) the 15 th day after the lender repossesses the goods that are the subject of your agreement; or g) 2 months after the date that you do not pay your premium for this policy on the date it was due; or h) the date on which the policy is cancelled by you.

3 No terminal illness claim can be made after your death or within 12 months immediately before the end date. 3. Special Note 7. What benefits will we pay? a) Life and terminal illness - The settlement figure. We will only pay the settlement figure once under this policy, and then cover under this policy will end. The maximum amount we will pay for a life or terminal illness claim is 50,000. b) Accident/sickness and unemployment - Monthly benefits as defined in your policy. 8. How do you qualify for payment of monthly benefits? a) Accident/sickness If you cannot work as a result of an accident/sickness during the period of cover for longer than the waiting period, on day 31 we will pay the lender the monthly benefit. After that we will continue to pay one thirtieth of the monthly benefit for each day an accident/sickness prevents you from working, monthly in arrears. b) Involuntary Unemployment (including benefits for carers). If you become unemployed during the period of cover for more than the waiting period we will pay the lender one monthly benefit, on day 31 after that we will continue to pay one thirtieth of the monthly benefit for each day you remain continuously unemployed, monthly in arrears. 9. When will monthly benefits be paid? Payment of monthly benefits will be made by us monthly in arrears to the lender. 10. What limits are there on the amount of a monthly benefit and how many monthly benefits you can receive at any one time? We will not pay two monthly benefits if you are unemployed and/or unable to work due to accident/sickness at the same time. SECTION B: THE PREMIUM YOU PAY 1. You will pay the premium for this policy monthly. 2. The amount of your premium is shown in the schedule. The amount you pay includes any applicable Insurance Premium Tax. SECTION C: LIFE AND TERMINAL ILLNESS BENEFIT This section only applies if a cover level is shown on your Certificate of Insurance. 1. What will we pay if you die or are diagnosed with a terminal illness? We will pay the settlement figure to the lender if you die or are diagnosed with a terminal illness during the period of cover. 2. When will we not pay the life or terminal illness benefit? We will not pay benefits if your death or terminal illness results directly or indirectly from: a) Any injury, illness, disease or sickness which is due to a pre-existing condition; or b) Your consumption of alcohol; or c) Your taking drugs; or d) Intentionally self-inflicted bodily injury within the first 12 months of the policy; or e) Radiation, contamination or the radioactive effect of any nuclear fuel or its components; or f) An act of CBRN terrorism. a) We will not apply 2a) above if you have been free of all symptoms of the pre-existing condition for a period of at least two years before the reoccurrence of that condition that leads to your death or diagnosis of terminal illness and you have not consulted or arranged to consult a doctor about the pre-existing condition in that period. b) We will not apply 2c) above if you are taking drugs under the qualified medical advice or supervision of a doctor (and provided you have not exceeded the prescribed dose or failed to comply with any advice given in connection with taking such drugs). SECTION D: ACCIDENT/SICKNESS BENEFIT This section only applies if a cover level is shown on your Certificate of Insurance. 1. What will we pay if you become unable to work due to accident/sickness? We will pay monthly benefit to the lender if you suffer accident/sickness during the period of cover. Where you are on statutory maternity, paternity or adoption leave immediately before your accident/sickness, your doctor must confirm that your accident/sickness would wholly stop you from carrying on your work as if you were not on statutory maternity, paternity or adoption leave. 2. For how long will monthly benefits be paid? We will pay the monthly benefits until the earliest of the following dates: a) the date when you stop being unable to work due to accident/sickness; or b) the date when you do not give us proof that you are unable to work due to accident/sickness; or c) the date when you return to work; or ; or d) the date when we have paid the maximum number of 12 monthly benefits for any one accident/sickness claim; or e) the date when we have paid the maximum number of 36 monthly benefits in total for accident/sickness claims; or f) the end date. 3. How do you qualify for accident/sickness benefits? We will only pay accident/sickness benefits if you are in work immediately before the date when you became unable to work due to accident/sickness. If we stop paying monthly benefit because we have paid the maximum number of 12 monthly benefits for any one claim, or you stop being unable to work due to accident/sickness, or you do not give us proof that you are unable to work due to accident/sickness, or you return to work then we will not pay any further monthly benefit under the accident/sickness insurance section of this policy until you have returned to work for a continuous period of at least: a) 6 months before you can claim for the same accident/sickness again; or b) 1 month before you can claim for a different, unrelated accident/sickness again; or c) 1 month before you can claim for unemployment. If you are on statutory maternity, paternity or adoption leave during this period, your doctor must confirm that you have been continuously fit for your work for a continuous period of at least 6 months as if you were not on statutory maternity, paternity or adoption leave.

4 4. Special note If we have paid less than the maximum number of monthly benefits for a claim you must return to work for at least one month before you can claim again for a different accident/sickness. If we have paid less than the maximum number of monthly benefits for a claim and you return to work but are again unable to work resulting from the same accident/sickness within 3 months of the date of your return to work, we will consider paying monthly benefits for the reoccurrence of that inability to work. We will treat this as one claim. Please note this will be subject to the maximum number of monthly benefits for a claim as stated in 2 f) and g). 5. When will we not pay accident/sickness benefit? Please note the limits and restrictions to claims for back conditions and psychological illness are contained in 2d) and 2e). We will not pay monthly benefit if the accident/sickness results directly or indirectly from: a) Your consumption of alcohol; or b) You taking drugs; or c) Stress, anxiety or depression, or any mental or nervous disorder, unless investigated and diagnosed by a consultant in the relevant field; or d) Intentionally self-inflicted bodily injury; or e) Medical operations or treatments which are not medically necessary to maintain your quality of life and which are carried out at your request; or f) Attempted suicide or wilful exposure to danger (except in an attempt to save human life). We will not pay monthly benefit if the accident/sickness is not supported by medical evidence from a doctor. If at the time of any event giving rise to a claim there is any other insurance policy in force in your name which also covers you for the same loss then only a proportion of the claim shall be paid. Such proportion being determined by reference to the cover provided under each of the relevant policies. 6. Special Note a) We will not apply 5b) if you are taking drugs under the qualified medical advice or supervision of a doctor (and provided you have not exceeded the prescribed dose or failed to comply with any advice given in connection with taking such drugs). SECTION E: INVOLUNTARY UNEMPLOYMENT BENEFIT (INCLUDING BENEFIT FOR CARERS) This section only applies if a cover level is shown on your Certificate of Insurance. 1. What will we pay if you become unemployed? We will pay the monthly benefit to the lender if, during the period of cover, you become unemployed or become a Carer. 2. How do you qualify for monthly benefits? Monthly benefits are only payable if you have been in work immediately before the date of your unemployment. 3. How do carers qualify for monthly benefit? You must have been in work immediately before the date of your unemployment. You will have to provide a statement from the doctor of your relative to confirm the nature and start date of the condition suffered. This will include details of when your relative first consulted for this condition and when it was first diagnosed. For carer claims you will need to provide evidence that you are either in receipt of or awaiting carer s allowance. 4. What if you want to do temporary work? If you are eligible to claim for unemployment under this insurance and you are offered a temporary job, you can suspend your claim as long as: a) You tell us who you will be working for (even if you will be self-employed), how many hours you will be working for and how long the temporary work will last; b) Your temporary job lasts for at least one week and no longer than six months, and c) You continue to meet the conditions of this insurance and tell us immediately if any of the circumstances above change. You are eligible to claim for unemployment when a temporary job ends as long as you have kept to the above conditions. We will begin paying you monthly benefit payments again up to the maximum number as stated in 5c. 5. For how long will monthly benefits be paid? We will pay monthly benefit until the earliest of the following dates: a) the date when you stop being unemployed or do not provide proof that you are unemployed; or b) the date when you return to work; or c) the date when we have paid the maximum number of 12 monthly benefits for any one involuntary unemployment claim; or d) the date when we have paid the maximum number of 36 monthly benefits in total for involuntary unemployment claims; or e) the end date. 6. How do you requalify for monthly benefits? If we have paid the maximum number of monthly benefits as stated in 5c), no further payment would be due: You must wait for: 3 months before you can claim for unemployment again If we have not paid the maximum number of monthly benefits as stated in 5c), you must have returned to work for:1 month before you can claim again. If you are employed for less than 6 months between 2 periods of unemployment, we will treat these 2 periods as one claim. We will not pay monthly benefits for the time you were employed between the 2 periods of unemployment. We will pay up to the maximum number of 12 monthly benefits. 7. When will we not pay benefits? We will not pay benefit if: a) Your Work ends within 30 days of the start date, or, in our reasonable opinion, you were aware of future unemployment prior to the start date; or b) You have agreed to take voluntary unemployment; or c) Your unemployment is due to your own misconduct; or d) Your work is seasonal and unemployment is a normal part of it, or unemployment is a regular feature of your work; or e) You, at the date of your unemployment: If you are in permanent employment your last employers must confirm that you did not leave your employment for reasons other than to become a carer. If you are self-employed your business must have totally ceased to trade due to you becoming a carer and you must have told HM Revenue & Customs. (i) (ii) Are doing temporary work; or Are employed on a fixed term contract unless: you have been employed under that contract with the same employer for a continuous period of 12 months; or

5 you were originally employed on a permanent basis by your employer but were transferred to a fixed-term contract by that employer without a break in employment(iii) Are employed under a contract which required you ordinarily to work outside the UK; or (iv) Are a director or a majority shareholder of, or your husband, wife, parent, your civil partner, child, brother, sister, or relative by blood or marriage is a director and/or a majority shareholder of, the company that makes you unemployed unless a liquidator or administrator has been appointed in respect of that company by its creditors; or f) You refuse any offer of reasonable alternative employment by your employer; or g) Unemployment starts after you have reached the earlier of normal or statutory retirement age for your work; or h) Your unemployment results directly or indirectly from radiation, contamination or the radioactive effect of any nuclear fuel or its components; or i) Your unemployment results from an act of CBRN terrorism. j) If the claim is the subject of fraud or dishonesty. We may declare the policy void in its entirety and no cover will apply. We will not refund any premiums and we will be entitled to recover from you the amount of any claim already paid in terms of this policy; or k) If at the time of any event giving rise to a claim there is any other insurance policy in force in your name which also covers you for the same loss then only a proportion of the claim shall be paid. Such proportion being determined by reference to the cover provided under each of the relevant policies. 8. Special Note a) We will not pay monthly benefit for any period in respect of which you have received a payment in lieu of notice, even if the payment in lieu of notice is part of a settlement or compromise agreement between you and your employer. b) We will not apply 7b) above if: (i) Your unemployment is solely and directly as a result of you becoming a carer, and you can provide evidence to us which proves that you were not aware at the start date that you would become a carer; or (ii) Your voluntary redundancy is claimed under section 147 of the 1996 Employment Rights Act due to short-time working. If you make a claim, you will have to produce documentation to confirm that your redundancy is within the terms of this Act. c) If you are a carer, in addition to the exclusions set out above, we will not pay monthly benefits if: (i) The sickness, disease, condition or injury of the person being cared for existed prior to the start date (this exclusion will not apply if, in the opinion of our Chief Medical Officer, the sickness, disease, condition or injury would not have normally deteriorated or was not considered likely to deteriorate to the extent that full time care would be required during the period of cover); or (ii) You cannot provide satisfactory proof that you are required to look after a relative, that you have completed a carer s allowance claim pack and are either in receipt of or awaiting carer s allowance. SECTION F: CLAIMS 1. How do you make a claim for benefits? You (or your personal representatives for life claims) must write to Sterling Client Services Limited, 50 Kings Hill Avenue, West Malling, Kent, ME19 4JX or telephone (all calls are recorded for training, compliance and claims purposes) telling us you want to make a claim. This should be done within 120 days of the date of the event for which a claim is being made. You must give us any information and proof that we may reasonably need. Where any expense is incurred in obtaining this information, it will be your responsibility to pay for this. We may require you to be examined by a medical examiner of our choice. We will pay for this. If you do not attend this examination, no further benefit will be paid. When accident/sickness or unemployment monthly benefits are being paid, you must give us any proof of continued unemployment or inability to work due to accident/sickness that may be reasonably required. You must pay for this. No monthly benefits shall be paid for any period for which you do not provide proof. 2. What if you want to convert a claim? If we are paying accident/sickness benefit and at the same time you become unemployed, you must write to us immediately explaining your change in circumstances. If a doctor confirms you are fit to return to work while we are paying accident/sickness benefit, these benefits will then stop. If you have not found work, you may then make a claim for unemployment benefit and we will consider your claim. If you convert a claim the maximum number of monthly benefits payable will be 24 months, the total for both accident/sickness and unemployment. When considering your unemployment claim, we will ignore the fact that you were not in work immediately before the unemployment claim and no /waiting period will apply. If you are receiving monthly benefit for unemployment and at the same time you become unable to work due to accident/sickness you must write to us immediately explaining your change of circumstances. The unemployment claim will stop on the date you became unable to work due to accident/sickness and we will consider your accident/sickness claim. If you convert a claim, the maximum number of monthly benefits payable will be 24 months, the total for both accident/sickness and unemployment. When considering your accident/sickness claim, we will ignore the requirement for you to be in work at the date of the accident/sickness. If we do not pay benefits for the accident/sickness claim, we will look at the original unemployment claim once a doctor confirms you are fit to return to work. You must tell us in writing that you are no longer unable to work due to accident/sickness and if asked provide reasonable proof to us of this. No waiting period will apply. Please note the maximum number of benefits payable under a continuous claim is 12 monthly benefits as stated in Section D 2 f) and g) for accident/sickness claims and Section E 5 c) and d) for involuntary unemployment claims, or 24 monthly benefits for a converted claim from one to the other. SECTION G: GENERAL PROVISIONS 1. Providing Information You have a duty to make a fair presentation of the risk which is covered by this policy. Therefore you should ensure that any information you have provided to us and the content of any application form, declaration and / or statement of fact is accurate and complete and that you have answered all questions honestly and accurately. Where you have provided us with information which relates to matters of your expectation or belief, it does not matter if such information turns out to be inaccurate provided that you acted in good faith when you provided us with such information. If you do not comply with your duty to make a fair presentation of the risk, your policy may not be valid or the policy may not cover you fully or at all. You must notify us as soon as possible if there are any changes to the information provided by you. Under English law, it is an offence to make any false statements in order to obtain insurance cover 2. Payment of Benefits All benefits payable under this policy will be paid to the lender for the credit of your agreement.

6 Payment made by us under this policy may, in some circumstances, affect your entitlement to State Benefits. Payment of the life or terminal illness benefit may be made by Covéa Insurance Services Limited on behalf of Covéa Life Limited. Such payment will constitute full discharge of the liability of Covéa Life Limited to you. Payment of the accident/sickness and/or involuntary unemployment monthly benefit may be made by Red Sands Insurance Company (Europe) Limited. Such payments will constitute full discharge of the liability of Red Sands Insurance Company (Europe) Limited to you. 3. Legal This policy, together with any endorsement to it, the schedule, and any other written or verbal statement made by you or on your behalf on which we have relied when accepting you for cover under this policy constitutes the whole of the contract between you and us. No provision or condition of this policy may be waived or modified except by a written endorsement, which must be signed by an authorised official on our behalf. English Law applies to this policy unless you have asked for another law and we have agreed to this in writing before the start date. Please be ready to provide all relevant details of your policy and in particular your policy number to help your complaint to be dealt with speedily. If you are dissatisfied with our decision on your complaint you may refer it to The Financial Ombudsman Service, Exchange Tower, London E14 9SR, telephone: or , web: complaint.info@financial-ombudsman.org.uk. Please note that the Financial Ombudsman Service will normally only consider a complaint once we have issued a final decision. This will not affect your legal rights. Telephone calls may be monitored or recorded to assist with staff training and for quality control purposes. Covéa Life Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority, Finance Services Register Number Covéa Life Limited is a private company limited by shares incorporated in England and Wales under registered number , registered office 2 Norman Place, Reading, RG1 8DA. It is not possible for you to transfer your rights under this policy. No person, persons, company or other party who or which is/are not covered under this policy or the lender shall have any right under the Contracts (Rights of Third Parties) Act 1999 to enforce any term or condition of this policy. This will not affect any right or remedy of a third party that exists or is available apart from that Act. Financial Services Compensation Scheme We are covered by the Financial Services Compensation Scheme ( the Scheme ). You may be entitled to compensation from the scheme if we cannot meet our obligations. Further information about compensation scheme arrangements is available at by ing enquiries@fscs.org.uk or by phoning the FSCS on or Data Protection Regulation We may store your information on a computer and use it for administration, risk assessment, research and statistical purposes, marketing purposes and for crime prevention. We will only disclose your personal details to third parties if it is necessary for the performance of your contract with us. Red Sands Insurance Company (Europe) Limited is licensed and regulated by the Gibraltar Financial Services Commission under the Financial Services (Insurance Companies) Act 1987 of Gibraltar and is a member of the UK s Financial Services Compensation Scheme and the Association of British Insurers (ABI). Red Sands Insurance Company (Europe) Limited, registered in Gibraltar under number 87598, registered office at Level 3, Ocean Village Business Centre, 23 Ocean Village Promenade, Gibraltar. MN In order to assess the terms of your policy or administer claims which arise, we may need to collect data which the Data Protection Regulation defines as sensitive. By accepting this insurance you signify your consent to such information being processed by us or Sterling Client Services Limited. We will keep your information secure at all times. In certain circumstances, for example for systems administration purposes, we may have to transfer your information to another country, which may be a country outside the European Economic Area (EEA). Should you wish to receive a copy of the information we hold on you please contact MotoNovo Finance.. A fee will be payable for this request in line with statutory levels. SECTION H: CUSTOMER SERVICE INFORMATION How do you make a complaint? If you have a sales enquiry or sales complaint regarding this policy you may have in regard to this policy should be addressed to: Customer Care Officer, MotoNovo Finance, MotoNovo House, Lambourne Crescent, Cardiff Business Park, Llanishen, Cardiff CF14 5GL. Any claim enquiry or claim complaint that you may have should be addressed to: Sterling Client Services Limited, 50 Kings Hill Avenue, West Malling, Kent, ME19 4JX. or telephone (all calls are recorded for training, compliance and claims purposes). If you wish to obtain copies of Sterling s complaints procedures, please contact Sterling Client Services Limited at the above address.