Tradesmen. Hold Cover Summary. Mark Wrighton 139,Borden Lane Sittingbourne KENT ME10 1BY

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1 Mark Wrighton 139,Borden Lane Sittingbourne KENT ME10 1BY AXA Insurance UK Plc 3 Atlantic Quay PO Box 182 Glasgow G2 8JH Tel: Fax: Date of Issue: 24th April 2014 Tradesmen Hold Cover Summary Dear Mark Wrighton Policy number: ZE PCL /04/2014 Thank you for choosing to insure with AXA Insurance, one of the UK's leading Insurance providers. From your information, we recommend our Tradesmen policy, as being ideally suited to your business needs. Your annual premium is shown below. The period of Cover on an Annual Basis is from 24/04/2014 to 23/04/2015. Insurance Premium Insurance Premium Tax at the current rate 3.83 Total Amount Payable You have chosen to pay the annual premium in full by debit / Credit card. Please check your details are correct in the payment section. What to do next - Please read the enclosed documents: Statement of Fact -showing all relevant information that has been disclosed Summary of cover - provides an overview of the product Important Information sheet - Check all the information shown in this letter and the Statement of Fact is correct, if not please contact us - If all your information is correct, please sign and retain the Statement of Fact for your records If you have any further queries about your cover, or need your details amended, please let us know. ZE PCL Page 1 of 6

2 Thank you again for choosing to insure with AXA Insurance. Yours sincerely AXA Insurance UK plc ZE PCL Page 2 of 6

3 Important Information This insurance contract is based on the information contained within this letter and your Statement of Fact (which is a declaration form). By accepting these documents, you are confirming that all relevant information has been fully disclosed and that full and true answers have been given to all questions. If the information detailed in the Statement of Fact (which will be based on information provided by you) is incorrect, then we reserve the right to amend the terms and conditions of the policy, including the premium, or withdraw cover. If this occurs we will inform you in writing 14 days before any action is taken. If cover is withdrawn, a charge may be payable for the period the cover was in force. Any differences from the original basis will be handled by means of an alteration from the date they are received and will not be from the start of the policy. Details of Cover The cover provided is based on the following details and should be read in conjunction with the Summary of Cover and the Tradesmen Statement of Fact. Business Description Tradesmen Main Business Activity Painting and decorating - residential Secondary Business Activity Basis of Rating Number of Partners/Principals/Directors - Manual 1 Number of Partners/Principals/Directors - n-manual Number of Other Persons working for the Insured - Manual Number of Other Persons working for the Insured - n-manual Company Status Standard Cover Public Liability t Applicable Limit of Indemnity 2,000,000 Excess Sole Proprietor/Self Employed ZE PCL Page 3 of 6

4 Personal Accident - Benefit A Cover applies to Principals/Partners/Directors only under 75 years of age and will be for occupational cover only Death 2,000 Total and irrecoverable Loss of Sight in One or both eyes 2,000 Loss of one or more limbs 2,000 Permanent Total Disability (other than by Loss of Limbs or sight) which after 104 weeks from the Date of Injury prevents the Insured Person from following, engaging in or giving attention to any kind of profession or occupation 2,000 Optional Covers Taken Personal Accident - Benefit B Employer's Liability Tools, Business Equipment and Own Plant Hired in Plant Contract Works t Insured t Insured t Insured t Insured t Insured Endorsements Applicable to the Quotation Painting and decorating - residential 503 Endorsement Burning or welding equipment 612 Endorsement Paint spraying Please see Appendix for full wordings. ZE PCL Page 4 of 6

5 Payment Thank you for your payment, we confirm we have received this in full. AXA Insurance UK plc Registered in England Registered Office: 5 Old Broad Street, London, EC2N 1AD. A member of the AXA Group of Companies. AXA Insurance UK plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. In order to maintain a quality service, telephone calls can be monitored or recorded. ZE PCL Page 5 of 6

6 Appendix Painting and decorating - residential Endorsement Burning or welding equipment What is not covered - General Exclusion We will not pay for any injury loss or damage arising out of the use of oxy-acetylene burning or welding equipment. Endorsement Paint spraying What is not covered - Section 1 (Public Liability) We will not pay for legal liability in respect of loss of or damage to property arising out of the spraying of paint or surface coating materials. ZE PCL Page 6 of 6

7 Tradesmen Statement of Fact Important note - Duty of disclosure This document together with the policy schedule contains details and statements you have given. Please check carefully to make sure all details are full and true to the best of your knowledge and belief as they will form the basis of the insurance contract between us. If you fail to advise us of any inaccuracies or omissions your policy may not protect you in the event of a claim. Should any detail need to be changed, please contact us immediately. Please keep this document safe as it forms part of your insurance policy. A copy of the policy is available on request. You and we are free to choose the laws applicable to the policy. As we are based in England we propose to apply the laws of England and Wales and by purchasing this policy you have agreed to this. Your Details Reference Number ZE PCL Client details Business Description Year Business Established 2014 What You Need to Do Mark Wrighton 139,Borden Lane Sittingbourne KENT ME10 1BY Painting and decorating - residential Please read all documents carefully If any of the information contained within this document or the enclosed documents is incorrect please advise us immediately with the correct details. Changes to the information shown may, in some instances result in amendments to your terms or conditions, or refusal of cover Make sure you have adequate cover. If the sums insured that you have selected are not adequate this will result in the amount that we pay you in the event of a claim being reduced If all the information contained within these documents is correct you should sign and date this Statement of Fact and retain with your other policy documents ZE PCL Page 1 of 5

8 Carefully read the Claims and Underwriting Exchange Register information and the Data Protection tice You should keep a record of all information (including copies of letters) supplied to or from the company, for the purposes of entering the contract Acceptance Criteria Our acceptance of this cover is subject to the following declaration: General Details Have you or any Partners or Directors either personally or in connection with any business in which they have been involved in: Ever been prosecuted, or served a prohibition order under Health and Safety legislation within the last 5 years? Ever been declared bankrupt or are the subject of any bankruptcy proceedings or any voluntary or mandatory insolvency or winding up procedures? Ever been convicted of or charged with (but not yet tried) a criminal offence other than a motoring offence? Ever been declined or refused insurance cover or had cover cancelled or subject to special terms in respect of any covers to which this insurance relates? Ever been the subject of a recovery action by HM Revenue and Customs? Yes Business Details Will the annual business turnover exceed 500,000? Yes All Claims Have you had any claims in the last 3 years? If yes, have you had more than 3 claims or has any one claim exceeded 25,000? Yes ZE PCL Page 2 of 5

9 Details of cover Please read the following information carefully. It is a record of the latest information you have either provided or has been assumed. If you disagree with any of the statements then you must contact our office on the telephone number provided. Business Description Tradesmen Main Business Activity Painting and decorating - residential Secondary Business Activity Company Status t Applicable Sole Proprietor/Self Employed Year business established 2014 Business postcode ME10 1BY Cover start date 24/04/2014 Number of Principals, Partners and Directors - manual Number of Principals, Partners and Directors - non-manual Number of Other Persons working for the Insured - manual Number of Other Persons working for the Insured - non-manual Public Liability (mandatory) Limit of Indemnity required 2,000,000 Other Covers (optional) Do you require Employer's Liability Cover? Is cover required for Tools, Business Equipment or Own Plant? Is cover required for Hired-in plant? Is cover required for Contract Works? Do you require Personal Accident Weekly Benefits Cover? ZE PCL Page 3 of 5

10 Claims and Underwriting Exchange Register and Data Protection tice AXA Insurance UK plc is a member of the AXA Group. In order to supply your quotation and then to set up and administer your insurance policy we will hold and use information including sensitive personal data (such as criminal convictions and health information) you have provided and may send it in confidence for secure processing to other companies in the AXA Group (or companies acting on our instructions) including those located outside the European Economic Area. We also share your information and any subsequent claim information with other insurers, via the Claims and Underwriting Exchange Register run by Insurance Database Services Ltd to check insurance details and prevent fraudulent claims. By purchasing this policy, you consent to such use of your personal data. AXA Insurance UK plc may occasionally contact you with details of our other products and services. We may also provide information provided to you by selected third parties. If you do not wish to receive such information please write to us at the following address. AXA Insurance Marketing Dept One Aldgate London EC3N 1RE Fraud Act Important tice You should not provide an answer which you know or believe might be untrue or fail to disclose additional relevant information in response to the questions or declaration contained in this form. Failure to do so may be a criminal offence punishable on conviction with up to 10 years imprisonment and/or a fine. Disclosure Before signing the Declaration, please read the notices about the Claims and Underwriting Exchange register and Data Protection tice. ZE PCL Page 4 of 5

11 Declaration I/We agree that the Statement of Fact and the AXA Tradesmen Policy & Policy Schedule shall be the basis of the contract between me/us and the company. I/We declare that the answers given to questions asked in this Statement of Fact are true and complete to the best of my/our knowledge and belief. I /We understand that if true answers have not been given that this insurance may not protect me/us in the event of a claim. I/We understand that we may be liable to prosecution under the Fraud Act 2006 if I/We have not provided true and complete answers. I/We understand that you will pass the information on this form about any incident I/We may give details of to Insurance Database Services Limited(IDS Ltd) so that they can make it available to other insurers. I/We also understand that, in response to any searches you may make in connection with this application or any incident I/We have given details of, IDS Ltd may pass you information it has received from other insurers about other incidents involving anyone insured under this policy. I/We declare that to my/our knowledge and belief the answers and particulars given on this Statement of Fact, whether made by me/us or on my/our behalf are true and complete, and that I/We have not withheld any material information. Failure to disclose such information may result in claims not being met. I/We understand that any material fact which is information that may influence the company in the acceptance of this insurance and the terms provided has been disclosed and recorded. (DD/MM/YYYY) Signature of Proposer(s) Signature of Proposer(s) Position in Company AXA Insurance UK plc Registered in England Registered Office: 5 Old Broad Street, London, EC2N 1AD. A member of the AXA Group of Companies. AXA Insurance UK plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. In order to maintain a quality service, telephone calls can be monitored or recorded. ZE PCL Page 5 of 5

12 Important Information This document explains the basis upon which we do business with you and your rights as a customer. We provide you with a copy of this document prior to entering into or immediately after conclusion of a contract. AXA is a world leader in financial protection and wealth management. With more than 50 million customers across the globe, AXA is one of the world's largest insurance providers. AXA has a presence in over 50 countries, yet we pride ourselves on having a real understanding of local issues. We offer a wide range of insurance and financial products to meet your business and personal needs, and are committed to delivering consistent care, advice and support when you need it. Our registered address is: AXA Insurance UK plc 5 Old Broad Street London EC2N 1AD Telephone Number: Website: We offer a telephone service from our divisional office based in Glasgow or a face-to-face service via our national network of directly employed Sales Executives. Whichever service you have chosen, all our employees are experienced individuals who are routinely monitored to ensure a continuous high quality service. Through a process of establishing your demands and needs they can identify the most suitable AXA Insurance product for you and your business. In addition, our Sales Executives are all local people. They understand the local issues affecting your business and are on hand to provide a face-to-face service as and when you need it. AXA staff are direct employees and can only offer or give advice on AXA Insurance products and services. The charges for our own products include the remuneration we pay to our employees as well as our general expenses. A list of our non-investment insurance products is available on request. Subject to the Data Protection Act we may also introduce regulated or non-regulated products and services offered by other Companies. Our involvement is limited solely to introducing and details of our fees for this service are available upon request. ZE PCL Page 1 of 3

13 AXA Insurance UK plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority. This can be checked on the FCA's register by visiting the FCA's website at AXA Insurance specialises in providing high quality business insurance, however we realise that things can go wrong and there may be occasions when you feel that our service has fallen short of your expectation. Any complaint you may have should in the first instance be addressed to your Insurance Adviser, or alternatively: AXA Insurance UK plc PO Box 182 Glasgow G2 8JF Telephone Number: If you are not satisfied with the way in which your complaint has been dealt with, you should write to the Customer Care Department of AXA Insurance: Customer Care AXA Insurance UK plc 7th Floor, Civic Drive Ipswich IP1 2AN Telephone Number: ZE PCL Page 2 of 3

14 If the complaint is still not resolved, you can approach The Financial Ombudsman Service. The FOS is an independent body that arbitrates on complaints about general insurance products. It will only consider complaints if: We have provided you with written confirmation that our internal complaints procedure has been exhausted Your business has a turnover of less than 1,000,000. The Ombudsman can be contacted at: Insurance Division Financial Ombudsman Service South Quay Plaza 183 Marsh Wall London E14 9SR Telephone Number: Referral to the Financial Ombudsman will not affect your right to take legal action. AXA Insurance is covered by the Financial Services Compensation Scheme (FSCS), which is triggered when an authorised firm goes out of business. In this unlikely event you may be entitled to compensation from the scheme. Compensation under scheme: Compulsory insurance in full n-compulsory insurance protected for first 2000 and 90% of any amount above this threshold. Full details are available from: AXA Insurance UK plc Registered in England Registered Office: 5 Old Broad Street, London, EC2N 1AD. A member of the AXA Group of Companies. AXA Insurance UK plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. In order to maintain a quality service, telephone calls can be monitored or recorded. ZE PCL Page 3 of 3

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