Student Contents Policy Summary

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2 Student Contents Policy Summary This policy is underwritten by Royal & Sun Alliance Insurance plc. It is an annual contract and may be renewed each year subject to the terms and conditions then applicable. You can select Contents cover with the option to include accidental damage and all risks to provide cover to suit your needs. Full details of what you have chosen are shown in your personal quotation and policy schedule. The following tables provide only a summary of the main policy benefits and the terms and conditions. For full details of these and all the terms and conditions that apply you should read the policy document, a copy of which will be provided on completion of your contract or at any time on request. On receipt of your policy document, you will have time to decide if you wish to cancel the policy see Your Right to Cancel for more information. FEATURES & BENEFITS NEW FOR OLD Covers the contents in your home against loss or damage by fire, flood, storm, theft, escape of water and other similar causes. Standard Accidental Damage Covers accidental damage to television, video, audio & computer equipment, mirrors, ceramic hobs or any glass in furniture such as glass tables or cabinets. Accidental Damage to Landlords buildings, contents, fixtures and fittings, greenhouses and sheds, part of structure, decoration. High Risk Items & Valuables Possessions such as televisions, radios, recording and audio equipment, jewellery, gold, silver, articles of precious metal, personal computers, clocks, watches, cameras, furs, pictures, works of art and curios, stamp, coin and other collections automatically covered for up to 1/3 of the contents sum insured. SIGNIFICANT EXCLUSIONS OR LIMITATIONS For household linen, clothing and pedal cycles a deduction may be made for wear and tear. If the sum insured selected is less than the full replacement value, your claim may be reduced. Excludes wear and tear. Some specific causes of damage may be excluded. Excludes wear and tear. Limit as shown in policy schedule Policy Excess as shown on schedule Items valued over 1000 unless specified on policy schedule. POLICY SECTION v /10 Page 1 of 6 Underwritten by RSA. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

3 Other covers available FEATURES & BENEFITS Personal Possessions Cover Covers your valuables, personal effects and clothing against accidental damage or loss while in or away from the home. Freezer Food Loss or damage caused by a rise or fall in temperature. Money & Credit Cards Loss of money or loss resulting from a credit card being lost or stolen and then used fraudulently. Pedal Cycles Loss or damage to any pedal cycle belonging to your family. Full Accidental Damage Over and above our standard cover, this provides extra protection: e.g. knocking over a vase. SIGNIFICANT EXCLUSIONS OR LIMITATIONS Property more specifically insured See Standard Cover above. Claims over the policy limit in the schedule. Loss or damage resulting from the deliberate act of any power supply authority or their withholding or restricting of power. Claims over the policy limit in the schedule. Limit as per policy schedule with option to increase Theft of unattended cycles unless in a building or securely locked to immovable object. See Standard Cover above. Also, excludes damage to clothing & food and damage caused by pets. POLICY SECTION Personal Belongings - Cover B&C Contents Cover D Personal Money & Credit Card Cover E Pedal Cycles Cover F General Conditions & Exclusions The following apply to the policy as a whole regardless of the specific cover you have selected. For full details of these and other exclusions and limits please read the policy document. General Conditions & Exclusions No cover is provided for wear and tear, maintenance or anything that happens gradually. If you leave your home unoccupied for more than 45 consecutive days, let it to anyone or use your home, contents or personal belongings for trade, professional or business purposes, some covers will be restricted and some will not apply. Excesses & Limits Policy Section Your policy may be subject to an excess, which is the amount you must pay in the event of a claim. Also, certain claims limits may apply. These will both be shown in your policy schedule. Policy Section All Sections Policy Section All Sections Important Information Your right to cancel the policy If having examined your policy documentation you decide not to proceed with the insurance, you may cancel it within the first 30 days under the terms of your policy. You also have a statutory right to cancel the policy within 14 days starting on the day you receive the policy documentation. To cancel please write to the address or call the number shown on your policy schedule. On receipt of your notice, we will refund any premiums already paid, except when you have already made a claim under your policy. Claims Claims will be handled at the address shown on your Schedule. Should you wish to claim under your policy you should call NWBIB Ltd on and ask for the household claims department. You must give us any information or help that we ask for. You must not settle, reject, negotiate or agree to pay any claim without our written permission. Full details of how to claim are included in the policy. v /10 Page 2 of 6 Underwritten by RSA. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

4 Our complaints procedure We aim to provide you with a first class service. If we have not delivered the service that you expect or you are concerned with the service provided, we would like the opportunity to put things right. Our complaints process Initially please raise your concerns with your usual business contact. If your complaint is not resolved or you are not happy with our response and the course of action proposed, you can progress your complaint to our Customer Relations Office. A separate investigation will then be carried out in an attempt to resolve your complaint and a final decision issued. However, if resolution is not possible they will issue a response within 8 weeks of your original complaint. Customer Relations Contact Details: Customer Relations Office, Dean Clough Industrial Park, Bowling Mill, Halifax HX3 5WA customerrelationsoffice@uk.royalsun.com What to do if you are still not satisfied If you are still not satisfied Royal & Sun Alliance is regulated by the Financial Conduct Authority whose arbitration service is the Financial Ombudsman Service, and you may be able to refer your complaint to them. By phone: In writing: The Financial Ombudsman Service Exchange Tower London E14 9SR By complaint.info@financial-ombudsman.org.uk Your rights Your rights as a customer to take legal action remain unaffected by the existence or use of any complaint procedures referred to above. However, the Financial Ombudsman Service will not adjudicate on any cases where litigation has commenced. Compensation Royal and Sun Alliance Insurance plc. is a member of the Financial Services Compensation Scheme (FSCS). This scheme provides compensation in case any of its members go out of business or into liquidation and are unable to meet any valid claim under its policies. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. The first 2,000 of a claim is protected in full. Above this threshold, 90% of the remainder of the claim will be met. For compulsory classes of insurance, 100% of the claim will be met without any upper limit. Further information about compensation scheme arrangements is available from the FSCS. Financial Conduct Authority as an insurance company and, with effect from 14th January 2005, to undertake insurance mediation under Registration No You can check this on the FCA's Register by visiting the FCA's website or by contacting the FCA on (freephone) or For your protection, telephone calls may be recorded and may be monitored. v /10 Page 3 of 6 Underwritten by RSA. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

5 FamilyPlus Legal Expenses Policy (Leaseholders) Summary Introduction Some important facts about your FamilyPlus Legal Expenses Policy are summarised below. This summary does not describe all the terms and conditions of this policy, so please take time to read the policy document to make sure you understand the cover it provides. Insurer Legal Expenses Section Underwritten by Qdos Broker & Underwriting Services Limited, is administered by Motorplus Limited (trading as Familyplus) and is underwritten by UK Underwriting Limited. Qdos Broker & Underwriting Services Limited, Motorplus Limited and UK Underwriting Limited are authorised and regulated by the Financial Conduct Authority. Ageas Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Your cover is valid until the renewal date of the household or contents policy to which this cover is annexed, or for a maximum period of one year. Significant features and benefits Legal Expenses Cover This policy covers legal and professional fees, costs and expenses up to 50,000 in connection with pursuing civil legal proceedings in respect of any of the following insured incidents: Your death or personal injury. An infringement of your legal rights arising from your ownership or occupation of your permanent place of residence. Problems arising from the leasing of your permanent place of residence. Nuisance at or trespass to your permanent place of residence. Physical damage to personal property owned by you or for which you are responsible. The purchase, hire, leasing or sale of personal or private goods, or the provision of services for your private or personal use. Disputes arising from your contract of employment entered into by you for your work as an employee which give rise to an Employment Tribunal claim. Helpline We provide a 24 hour, seven days a week helpline service Legal Advice Service We will give you confidential legal advice over the phone on any personal legal problem, under the laws of the United Kingdom, the Isle of Man and the Channel Islands. Page 4 of 6

6 Significant Exclusions or Limitations The policy does not cover: Real Property claims which occur within 180 days of the start of this policy, Employment claims which occur within 90 days of the start of this policy, or any other claims which occur within 60 days of the start of this policy. The first 25 of any claim (other than Real Property claims). Any illness or bodily injury which happens gradually or is not caused by a specific or sudden event. The first 250 for Real Property claims. Planning, building or structural alteration of any buildings or parts of them. Subsidence, ground heave, landslip, mining or quarrying. Any building or land other than your principal home. Any motor vehicle owned or used by, or hired or leased by you. The settlement payable under an insurance policy. Alleged dishonesty or alleged violent behaviour. Divorce, judicial separation or cohabitation. Your business, profession or trade (other than Employment claims). Clinical negligence. Written or verbal remarks which damage your reputation. Cancellation Right We hope that you are happy with the cover this Policy provides. You have the right to cancel the Policy at any time by sending us notice in writing. If you send notice in writing within 14 days of receiving the Policy then we will return the premium in full providing no claim has been made. This is called the cooling off period. If you cancel at any other time, there will be no refund of the premium. Making a Claim Call FamilyPlus on Please quote the following policy reference; FamilyPlus (to be quoted at all times). The following information will be required: Policy reference as above Your name Your address The branch (if any) of the Insurance Broker through which you have taken out the policy The type of insured problem you are experiencing How to make a complaint It is the intention to give you the best possible service but if you do have any questions or concerns about this insurance or the handling of a Claim you should in the first instance contact the Chief Executive Officer of Motorplus Limited at the following: Motorplus Limited Kircam House Whiffler Road Norwich NR3 2AL Tel: Fax: In the event you remain dissatisfied and wish to make a complaint you can do so by contacting UK Underwriting Limited. Please ensure your Policy number is quoted in all correspondence to assist a quick and efficient response. If it is not possible to reach an agreement, you have the right to make an appeal to the Financial Ombudsman Service. This also applies if you are insured in a business capacity as a micro-enterprise or Page 5 of 6

7 as a charity with an annual income of less than 1 million, or as a trustee of a trust with a net asset value of less than 1 million. You may contact the Financial Ombudsman Service (FOS) at: The Financial Ombudsman Service Exchange Tower London E14 9SR Tel: By complaint.info@financial-ombudsman.org.uk Please note you have six months from the date of our final response in which to refer to your complaint to the FOS. Referral to the FOS will not affect your right to take legal action against us. Compensation scheme Ageas (UK) Limited is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme, if they cannot meet their obligations. This depends on the type of business and the circumstances of the Claim. For claims against insurers, the first 90% of the claim is covered. For compulsory classes of insurance, insurance arranging is covered for 100% of the claim. You can get more information about compensation scheme arrangements from the FSCS. Data Protection Act 1998 Motorplus Ltd comply with the Data Protection Act We take your privacy very seriously. We will use your personal information to provide you with the services, products or information, for administration purposes for any matters arising from this policy. We may need to share your information with our service providers, associated organisations and agents for these purposes. Despite any changes we make to this privacy statement we will always use your personal data for the purposes we outline in this statement and in accordance with the Data Protection Act 1998 unless we are advised otherwise. Motorplus Limited is authorised and regulated by the Financial Conduct Authority. Regulated by the Ministry Of Justice in respect of regulated claims management activities. Page 6 of 6

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