The A&A Group Ltd Commercial Vehicle Insurance Personal Accident Plan Policy Summary Insurer Period of Cover Policy Features & Benefits

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1 The A&A Group Ltd Commercial Vehicle Insurance Personal Accident Plan Policy Summary This Policy Summary gives brief details of the Benefits and cover that are available as part of Your Commercial Vehicle Insurance - Personal Accident Plan contract. The full terms, conditions and exceptions of Your Policy can be found in Your Personal Accident Plan Policy. When reviewing Your Policy it should be read in conjunction with Your schedule and Certificate of Motor Insurance. Insurer: Zenith Insurance plc, registered in Gibraltar (registration Number 84085). Zenith Insurance plc is regulated by the Gibraltar Financial Services Commission and subject to a limited regulation by the Financial Conduct Authority and the Prudential Regulation Authority in respect of underwriting insurance business in the UK (Number ). This can be checked at Period of Cover: The period of Your Associated Commercial Vehicle Policy which runs concurrent with this Policy and does not exceed 12 months. Refer to Your Certificate of Motor Insurance or schedule for the effective dates. If You cancel Your Associated Commercial Vehicle Policy cover under this Policy will automatically cease from that cancellation date. Policy Features & Benefits If an Insured Person sustains Bodily Injury during the Effective Time and within the Territorial Limits, the Insurers agree to pay the Benefit to the Insured Person provided that such Bodily Injury is sustained during the Period of Cover noted on the Certificate of Motor Insurance. Table of Benefits Result of Bodily Injury Amount Payable 1. Accidental Death 25, Loss of two or more limbs 25, Loss of both eyes 25, Loss of one limb 25, Loss of one eye 25, Loss of hearing 25, Loss of speech 25, Permanent Total Disablement 25,000 Payment of Benefits a) Only one of the Benefits 1 to 8 shall be payable in connection with one Insured Person in respect of any one Accident. b) Any disability which existed prior to an Insured Person sustaining Bodily Injury shall be taken into account when calculating the Benefit Payable. In such cases medical reports will be obtained and expert medical advice used to ensure that the reduction in payment is proportional to the pre-existing condition. c) If an Insured Person is under 16 years of age, Benefit 1 Accidental Death the Amount Payable will be amended to 7,500. Significant Policy Exclusions and Limitations For full details please refer to your Policy. The Insurers shall not be liable in respect of any claim: 1. Directly or indirectly consequent upon: a) War, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, insurrection or military or usurped power, and any act of terrorism. b) The Insured Person committing, or attempting to commit suicide or intentional self-injury. c) Childbirth or pregnancy. d) Motor racing, rallies, competitions, speed tests or the like. e) The Insured Person being under the influence of, or being affected by alcohol or drugs, other than drugs taken under the direction of a qualified medical practitioner. 2. Suffered after the age 75 years. 3. Involving use of vehicles of gross weight exceeding 3.5 tonnes and vehicles carrying more than 7 people and vehicles used for public or private hire. Insurance Act 2015 You must understand that under the Insurance Act You or anyone acting on Your behalf have a duty of reasonable search and fair presentation and that the premium charged and terms of your policy are based on the Information You supplied at the start of the insurance, upon variation and when it is renewed. Caring for our Customers If You are unhappy with the level of service received, please see the Caring for Our Customers sections of the Personal Accident Plan Policy for details of how to complain. Financial Services Compensation Scheme This insurance is covered by the Financial Services Compensation Scheme. If the Insurers are unable to meet their obligations You may be entitled to compensation from the scheme depending on the type of insurance and the circumstances of any claim. Further information can be obtained from or telephone or

2 Policy Cancellation Rights You have the right to cancel this policy during a period of 14 days after the day on which You receive Your policy documentation. If You wish to do so You will be entitled to a full refund of the premium paid. If You want to cancel Your policy after the first 14 days You will not be entitled to a refund. If You wish to cancel the Policy please contact Your Insurance Intermediary at the address provided. If You do not exercise Your right to cancel Your policy, it will remain in force for the term of the policy and You will be required to pay the premium. Reporting Claims If You wish to report a claim please call the appointed claims handlers on: or write to Ultimate Insurance Solutions Limited, The Connect Centre, Kingston Crescent North End, Portsmouth, Hampshire, PO2 8DE. Personal Accident Plan Policy Personal Accident Plan is insured by Zenith Insurance plc, , Europort, Gibraltar.. To make a claim please contact the appointed claims handlers: Ultimate Insurance Solutions Limited The Connect Centre, Kingston Crescent, North End, Portsmouth, Hampshire, PO2 8DE Tel: If an Insured Person sustains Bodily Injury during the Effective Time and within the Territorial Limits, the Insurers agree to pay the Benefit to the Insured Person provided that such Bodily Injury is sustained during the Period of Cover noted on the Certificate of Motor Insurance. Definitions: The words or phrases shown below have the same meaning whenever they appear in the policy document. Accident / Accidental Assault Associated Commercial Vehicle Policy Benefit Bodily Injury Certificate of Motor Insurance Effective Time Information Insured Commercial Vehicle Insured Person Insurers Loss of Eye or Eyes Loss of Hearing Loss of Limb or Limbs Loss of Speech Period of Cover A sudden and unforeseen event which occurs during the Period of Cover, resulting in Bodily Injury including Assault. Shall mean a sudden, unexpected attack by an unknown third party with deliberate intent to cause Bodily Injury at an identifiable time and place following a road incident within the Territorial Limits. The motor insurance policy arranged by the A&A Group Ltd (which You have taken out to cover Your comm ercial vehicle). The amount We will pay, as shown in the Table of Benefits, if You sustain a Bodily Injury covered under this policy. Any injury which is caused by Accidental means or following Assault, and which within 104 weeks from the date of the Accident shall, solely and independently of any other cause, result in o n e o f the following: Insured Person s Death, Loss of Limb(s) or Loss of Eye(s), Loss of Hearing, Loss of Speech or Permanent Total Disablement. The document that accompanies Your Associated Commercial Vehicle Policy wording. Whilst travelling in, getting into or out of an Insured Commercial Vehicle which is being driven by an Insured Person. Every matter or circumstance which You or the management of Your business or their agents know or ought to know which may impact Our decisions to offer You insurance and any premium charged for that insurance. The commercial vehicle defined in the Associated Commercial Vehicle Policy. The Policyholder, named drivers and all their passengers. Shall mean Zenith Insurance plc, registered in Gibraltar (registration Number 84085).Registered Office; , Europort, Gibraltar. Home State: Gibraltar. Zenith Insurance plc is licensed and regulated by the Gibraltar Financial Services Commission under the Financial Services (Insurance Companies) Act of Gibraltar to carry on insurance business and is subject to limited regulation by the Financial Conduct Authority and the Prudential Regulation Authority in respect of underwriting business in the UK. Zenith Insurance plc is a member of the United Kingdom s Financial Services Compensation Scheme, Financial Ombudsman Service and the Association of British Insurers (ABI). The company s details can be checked by visiting the Gibraltar Financial Services Commission website at Zenith Insurance plc is registered with the FCA under number this can be checked at Shall mean the permanent and total loss of sight, which shall be considered as having occurred (a) in both eyes if Your name is added to the Register of Blind Persons on the authority of a fully qualified ophthalmic specialist. (b) In one eye if the degree of sight remaining after correction is 3/60 or less on the Snellen scale (meaning You see at 3 feet what You should see at 60 feet). Total, permanent and irrecoverable loss of hearing. Shall mean the permanent and complete loss of a limb or limbs by physical separation at or above the wrist or ankle or the permanent and complete loss of use of a limb or limbs. Total, permanent and irrecoverable loss of speech. As defined on the Certificate of Motor Insurance. Not to exceed 12 months from the effective date of cover. If You cancel Your Associated Commercial Vehicle Policy cover under this Policy will automatically cease from that cancellation date.

3 Permanent Total Disablement Policyholder/You/Your Territorial Limits Shall mean disablement caused other than by Loss of Limb, Eye, Hearing or Speech, which has lasted for 52 consecutive weeks and will in all probability prevent the Insured Person from engaging in gainful employment of any and every kind for the remainder of their life. The A&A Group Ltd customer who has paid or agreed to pay the required premium and is noted on the Certificate of Motor Insurance and schedule and is named as such. As specified in Your Associated Commercial Vehicle Policy. Table of Benefits Result of Bodily Injury Amount Payable 1.Accidental Death 25,000 2.Loss of two or more limbs 25,000 3.Loss of both eyes 25, Loss of one limb 25, Loss of one eye 25,000 6.Loss of hearing 25,000 7.Loss of speech 25, Permanent Total Disablement 25,000 Payment of Benefits a) Only one of the Benefits 1 to 8 shall be payable in connection with one Insured Person in respect of any one Accident. b) Any disability which existed prior to an Insured Person sustaining Bodily Injury shall be taken into account when calculating the Benefit payable. In such cases medical reports will be obtained and expert medical advice used to ensure that the reduction in payment is proportional to the pre-existing condition. c) If an Insured Person is under 16 years of age, Benefit 1 Accidental Death the Amount Payable will be amended to 7,500. Exclusions The Insurers shall not be liable in respect of any claim: 1. Directly or indirectly consequent upon: a) War, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, insurrection or military or usurped power and any act of terrorism. b) The Insured Person committing, or attempting to commit suicide or intentional self-injury. c) Childbirth or pregnancy. d) Motor racing, rallies, competitions, speed tests or the like. e) The Insured Person being under the influence of, or being affected by alcohol or drugs, other than drugs taken under the direction of a qualified medical practitioner whilst driving the Insured Commercial Vehicle. 2. Suffered after age 75 years. 3. Where the vehicle insured under the Associated Commercial Vehicle Policy has a gross vehicle weight exceeding 3.5 tonnes or is a vehicle carrying more than 7 people or a vehicle used for public or private hire. Conditions Choice of Law Claims Communications Insurance Act 2015 English law will apply to this Policy unless, before it is issued, the Insurers make a written agreement saying otherwise. On the happening of any occurrence likely to give rise to a claim You must notify Ultimate Insurance Solutions Limited, The Connect Centre, Kingston Crescent North End, Portsmouth, Hampshire, PO2 8DE, Our appointed claims handler in the UK, in writing as soon as possible and in any event within 60 days of the date of the Accident. You must at Your expense, provide any certificates, information and evidence that may from time to time be required by Ultimate Insurance Solutions Limited and in the form prescribed by them. Ultimate Insurance Solutions Limited shall be allowed, at the Insurers expense and upon 30 days notice to You, to have a medical examination of You. If: i) You make a claim that is false, fraudulent or deliberately exaggerated; or ii) You have made a false declaration or statement in support of any such claim; We can at our sole discretion: (1) Deny the claim in its entirety and will not pay any legitimate part of Your claim; (2) Recover any payment already made under the claim; (3) Cancel the policy with effect from the date you made the false claim or representations without returning your premium. All communication is to be in the English language. We will only provide the cover described in this policy if: I. Any person claiming indemnity has complied with all its terms and conditions II. The declaration of any Information given on the Proposal Form or Statement of Fact which has been relied upon by Us in entering into this insurance, is correct, in good faith and complete to the best of Your knowledge and belief. III. Your commercial vehicle is being driven in accordance with the terms and conditions of Your Associated Commercial Insurance Policy. IV. Your commercial vehicle is being used in accordance with the certificate of motor insurance issued with Your Associated Commercial Insurance Policy. You must understand that under the Insurance Act You or anyone acting on Your behalf have a duty of reasonable

4 Interest Interpretation search and fair presentation and that the premium charged and terms of your policy are based on the Information You supplied at the start of the insurance, upon variation and when it is renewed. i) Where it is found that the Information provided at inception or renewal was unintentionally incorrect We may: (1) Avoid the insurance from inception, refuse all claims and return your premium if we would not have accepted the risk had we been aware of the Information; (2) Amend the terms of this policy or any endorsements from inception to conform with our standard underwriting policies; and/or (3) Reduce any claim payments proportionally to the premium We would have charged You had we received the correct Information at inception. ii) Where it is found that the Information provided at variation was unintentionally incorrect We may: (1) Treat the policy as if the variation never took place and return any additional premium; (2) Impose different terms on the variation in line with our standard underwriting policies; (3) Reduce any claims payments proportionally to the premium chargeable under our standard underwriting policies. iii) Where it is found that the Information You provided was deliberately or recklessly incorrect We may: (1) Avoid Your policy from the start date as though it never existed and retain any premium paid; and (2) Recover any claims payments already made from You. No Benefit payable shall carry interest. Any word or expression to which specific meaning has been attached shall bear the same meaning wherever it appears. All cover is provided under the terms, Definitions, provisions, Exclusions and Conditions of this Policy. Rights of Third Parties The parties do not intend any term of this agreement to be enforceable pursuant to the Contracts (Rights of Third Parties) Act Fraudulent Acts For the avoidance of doubt if You or anyone acting on Your behalf knowingly commit a fraudulent act or submit a fraudulent document or make a fraudulent statement or exaggerate Your claim, We will not pay the claim and cover under this insurance will cease immediately. You will not be entitled to any refund of premium. Caring For Our Customers What to do if you have a complaint We and the A&A Group Ltd are dedicated to delivering a first class level of service to all of our policyholders. However, we accept that things can occasionally go wrong and would encourage you to tell us about any concerns you have so that we can take steps to make sure the service you receive meets your expectations in the future. If a dispute regarding your policy or claim arises and cannot be resolved by reference to your insurance intermediary the following explains the procedures for resolving your complaint: The resolution of complaints in relation to your policy (or any claim made under it) is delegated to our service providers in the United Kingdom, Ultimate Insurance Solutions Limited. If you have a complaint, please contact our service providers at the address below: The Quality Manager Ultimate Insurance Solutions Limited The Connect Centre Kingston Crescent Portsmouth PO2 8DE Tel: Complaints@ultimateservices.co.uk When contacting Ultimate Insurance Solutions Limited please provide: A policy number and/or claim number An outline of your complaint A contact telephone number Our service providers will make every effort to resolve your complaint by the end of the third working day after receipt. If they cannot resolve your complaint within this timeframe they will acknowledge your complaint in writing within five working days of receipt and do their best to resolve the problem within four weeks by sending you a final response letter. If they are unable to do so, they will write to advise you of progress and will endeavour to resolve your complaint in full within the following four weeks. If they are still unable to provide you with a final response at this stage, they will write to you explaining why and advise when you can expect a final response. At this point you may refer your complaint to The Financial Ombudsman Service at the following address:

5 The Financial Ombudsman Service Exchange Tower, London E14 9SR. What you should know You may go directly to the Financial Ombudsman Service when you first make your complaint, but the Ombudsman will only review your complaint at this stage with our consent. However, we are still required to follow the procedure stated above. If you have received a final response but are dissatisfied, you have the right of referral to the Financial Ombudsman Service within six months of the date of your final response letter. You may only refer to the Ombudsman beyond this time limit if we have provided our consent. Whilst we and our UK service providers are bound by the decision of the Financial Ombudsman Service, you are not. Following the complaints procedure above does not affect your right to take legal action Telephone Recording For our joint protection telephone calls may be recorded and monitored by us. Policy Cancellation Rights You have the right to cancel this policy during a period of 14 days after the day on which You receive Your policy documentation. If You wish to do so You will be entitled to a full refund of the premium paid. If You want to cancel Your policy after the first 14 days You will not be entitled to a refund. If You wish to cancel the Policy please contact Your Insurance Intermediary at the address provided. If You do not exercise Your right to cancel Your policy, it will remain in force for the term of the policy and You will be required to pay the premium. We can cancel this policy if there are serious grounds to do so, including but not limited to the following examples: You have failed to take reasonable care in providing information in relation to this insurance as required under Conditions Insurance Act 2015 of this policy; or You have failed to supply requested validation documentation; or You have failed to co-operate or provide Information and assistance in relation to any claim under this policy or with regards to the administration or operation of this policy; or where We have grounds to suspect fraud; or where You use threatening or abusive behaviour towards a member of Our staff or a member of staff of Your insurance intermediary or Our supplier. We or Your Insurance Intermediary will do this by giving seven days notice in writing to You at Your last known address. Subject to no claims having been made (or likely to be made) in the current Period of Insurance We will refund a proportionate part of the premium unless the reason for Us cancelling Your policy was due to fraud or suspected fraud at which time there will be no return of premium. Financial Services Compensation Scheme This insurance is covered by the Financial Services Compensation Scheme. If the Insurers are unable to meet their obligations You may be entitled to compensation from the scheme depending on the type of insurance and the circumstances of any claim. Further information can be obtained from or telephone or DATA PROTECTION AND SHARING INFORMATION WITH OTHER ORGANISATIONS Data Protection Your information is important to us. We take care to protect your information. We are governed by the Data Protection legislation applicable in both the United Kingdom and Gibraltar.. In this document we tell you about the systems we have in place that allow us to detect and prevent fraudulent applications and claims. The savings that we make help us to keep premiums and products competitive. Insurance Administration Information you supply may be used for the purposes of insurance administration by the insurer and its agent and by re-insurers and your intermediary or broker. They may share your information with their own servants and agents. In assessing any claims made, insurers may undertake checks against publicly available information such as electoral roll, county court judgement, bankruptcy or repossessions. Information may also be shared with other insurers either directly or via those acting for the insurer such as loss adjusters or investigators as well as other agents and suppliers. Providing you with details on our Products and Services We may use the details you have provided to send you information about our other products and services or to carry out research. We may contact you by letter, telephone or . We will not make your personal details available to any companies outside the Markerstudy Group of

6 Companies to use for their own marketing purposes. If you would prefer not to receive information from us or those companies who participate in research on our behalf, simply write to the Data Protection Officer at our service provider, at Ultimate Insurance Solutions Limited, The Connect Centre, Kingston Crescent, Portsmouth, PO2 8DE. Fraud Prevention and Detection In order to prevent and detect fraud We may at any time share information about You with other organisations and public bodies including the Police. We may check and/or file Your details with fraud prevention agencies and databases, and if You give Us false or inaccurate information and We suspect fraud, We will record this. We and other organisations may also search these agencies and databases to: Help make decisions about the provision and administration of insurance, credit and related services for You and members of Your household; Trace debtors or beneficiaries, recover debt, prevent fraud and to manage Your accounts or insurance policies; Check Your identity to prevent money laundering, In addition we may undertake additional fraud checks, which may include requests for copy driving licences, utility bills and other documentation to establish the identity of any person applying for insurance. Credit Searches and Accounting In assessing an application for insurance or policy renewal, we may search files made available to us by credit reference agencies. They keep a record of that search.. Credit reference agencies share information with other organisations, enabling applications for financial products to be assessed or to assist the tracing of debtors, or to prevent fraud. We may ask credit reference agencies to provide a credit scoring computation. Credit scoring uses a number of factors to work out risks involved in any application. A score is given to each factor and a total score obtained. Where automatic credit scoring computations are used by us, acceptance or rejection of your application will not depend only on the results of the credit scoring process Other Insurers We may pass information about You and this policy to other insurance companies with which We either reinsure Our business or who are dealing with a claim made under this policy. In addition, information may be passed to other insurance related organisations in common with industry practice. These companies may be located in countries outside the UK but within the European Economic Area ( EEA ). We may also share data with other group companies who may be located outside of the EEA. Transfers Sometimes your information may be transferred outside the European Economic Area by us, by the organisations with whom we share your information or by the servants and agents of these organisations. If we do this we will seek to ensure that anyone to whom we pass it provides an adequate level of protection Sensitive Data In order to assess the terms of the insurance contract or administer claims which arise, we will need to collect sensitive data for example medical history or criminal convictions. We will not use this data except for the specific purpose for which you provide it and to provide the services described in your policy booklet. On payment of a small fee you are entitled to receive a copy of the information we hold about you. If you have any questions, or you d like to find out more about this notice you can write to the Data Protection Officer at Ultimate Insurance Solutions Limited, The Connect Centre, Kingston Crescent, Portsmouth, PO2 8DE. All correspondence should be addressed to: Ultimate Insurance Solutions Limited The Connect Centre, Kingston Crescent, North End, Portsmouth, Hampshire, PO2 8DE. Ultimate Insurance Solutions Limited is an appointed service provider to but is not an agent of Zenith Insurance plc. Ultimate Insurance Solutions Limited is registered in England & Wales No and authorised and regulated by the Financial Conduct Authority (No ). Zenith Insurance plc, , Europort, Gibraltar Zenith Insurance plc is regulated by the Gibraltar Financial Services Commission and subject to a limited regulation by the Financial Conduct Authority and the Prudential Regulation Authority in respect of underwriting insurance business in the UK (Number ).