Our permitted business is advising, arranging, dealing as agent and assisting in the administration and performance of general insurance contracts.

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1 OUR TERMS OF BUSINESS About Business Choice Direct Insurance Business Choice Direct Insurance Services is arranged and administered by Eldon Insurance Services Ltd who are authorised and regulated by the Financial Conduct Authority (Firm Reference Number ). Registered in England and Wales (No ). Registered office: Lysander House, Catbrain Lane, Cribbs Causeway, Bristol BS10 7TQ. Accepting our Terms of Business By asking us to quote for, arrange or handle your insurances, you are providing your informed agreement to these Terms of Business. We draw your particular attention to: The section headed Use of personal data and specifically the paragraph explaining how sensitive personal data will be used; and The section headed Handling money, which explains our terms for handling client money in a Non- Statutory Trust account For your own benefit and protection, you should read these terms carefully. If you are unsure about any aspect of our Terms of Business or have any questions regarding our relationship with you, please contact us at the above address. The Financial Conduct Authority Eldon Insurance Services Limited (EIS) trading as Business Choice Direct Insurance is authorised and regulated by the Financial Conduct Authority (FCA). Our Financial Services Register number is Our permitted business is advising, arranging, dealing as agent and assisting in the administration and performance of general insurance contracts. You may check this on the Financial Services Register by visiting the FCA s website, or by contacting the FCA on Our service Helping you to decide Our role is to advise you and, after we have assessed your needs, to make a suitable recommendation. In some circumstances we do not provide advice and we will therefore confirm in separate documentation whether or not any advice or recommendation has been made before finalising your insurances. The capacity in which we act for you In providing our service, we may sometimes act as an agent of the insurer. We will confirm the capacity in which we will act for you before undertaking any relevant transactions on your behalf. Complaints and compensation We aim to provide you with a high level of customer service at all times but, if you are not satisfied, please contact us: in writing... Write to: Business Choice Direct Insurance, Head of Support Services, Basepoint Business Centre, Andersons Road, Southampton, SO14 5FE by phone... Telephone: by address: When dealing with your complaint, we will follow our complaint handling procedures; a summary of these procedures is available on request. If you are still not satisfied, you may be entitled to refer the matter to the Financial Ombudsman Service. We are covered by the Financial Services Compensation Scheme (FSCS). 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. If you are eligible to claim from the FSCS, compensation is available as follows: Insurance advising and arranging is covered for 90% of the claim, without any upper limit. 1/5

2 For compulsory classes of insurance (such as Third Party Motor or Employers Liability), insurance advising and arranging is covered for 100% of the claim without any upper limit. Further information about compensation scheme arrangements is available from the FSCS on (freephone) or or Payment for our services We normally receive commission from insurers or product providers. We also charge you for handling your insurances as follows: Our fees/charges Annual policy arrangement fee No more than 40% of the insurers premium General administration i.e. change to policy or Up to premium at new business, mid-term and renewal Credit Card fee 2.5% of the card payment Direct Debit set up fee Direct Debit default fee Hard copy documents 5.00 Non-standard letters 5.00 Cancellation of your policy (after cooling off period) Up to Cancellation of your policy (within cooling off period) Copies of personal data we hold about you We reserve the right to amend the level of fees/charges at any time. On request you will receive a quotation which will tell you the total price to be paid, and which identifies any fees, taxes and charges separately from the premium, before your insurance arrangements are concluded. We also draw your attention to the section headed Cancellation of insurances.. If you are a commercial customer (your policy has been purchased for your trade or profession) you are entitled, at anytime to request information regarding any commission which we may have received as a result of us placing your insurance business. Handling money Our financial arrangements with most insurance companies are on a Risk Transfer basis. This means that we act as agents of the insurer in collecting premiums and handling refunds due to clients. In these circumstances such monies are deemed to be held by the insurer(s) with which your insurance is arranged. You will be notified if Risk Transfer does not apply and such monies will then be held by us in a Non-Statutory Trust account pending payment. The establishment of the Non-Statutory Trust account follows FCA rules introduced to protect money held by authorised intermediaries. However, you should be aware that, under the Non-Statutory Trust account rules, we are permitted to use such monies temporarily held to advance credit to clients generally. A copy of the Deed of Trust is available on request or may be inspected at our premises during normal office hours. If you object to your money being held in a Non-Statutory Trust account, you should advise us immediately. Otherwise, your agreement to pay the premium together with your acceptance of these Terms of Business will constitute your informed consent to our holding your money in a Non-Statutory Trust account. Interest earned on monies held in such a Non-Statutory Trust account will be retained by us. Cancellation of insurances You should make any request for the cancellation of a policy in writing and any relevant certificate of insurance must be returned to us. In the event of cancellation, charges for our services will apply in accordance with the Payment for our services section above. 2/5

3 Cancellation within cooling off period If you cancel your insurance policy prior to the commencement date of your insurance a full refund of any monies paid will be provided. You may be entitled to a cooling off period, which ends 14 days after you receive your policy documents. Any other cancellation rights will be shown in the policy document. If you cancel your insurance, before the end of the cooling off period, you will be charged by the insurer for the service they have provided up to the point of cancellation. We will also charge a cancellation fee of 25. Our annual policy arrangement fee will be refunded. If you decide to cancel your policy with us it is your responsibility to return your Certificate of Insurance to us. In addition to the Certificate of Insurance, some insurers may require additional documentation to be completed before they provide you with a premium refund. Cancellation after the cooling off period Some insurers do not provide a refund if the policy is cancelled after the cooling off period. Your policy document will set out your insurer s terms in this respect and any applicable cancellation charges made by your insurer. We will also charge a cancellation fee of 75. Our annual arrangement fee and any credit card fee made for arranging your insurance will not be refunded. If we have given you a discount off your premium at inception this will be deducted on a pro rata basis from any refund due to you on cancellation. If you decide to cancel your policy with us it is your responsibility to return your Certificate of Insurance to us. In addition to the Certificate of Insurance, some insurers may require additional documentation to be completed before they provide you with a premium refund. Cancellation of associated policies If you cancel your insurance, any associated Legal Protection, Excess Insurance, Guaranteed Vehicle Hire, Key Protection, Breakdown Recovery policy you purchased will also be cancelled. If this occurs within the cooling off period a full refund of the cost of these associated policies will be provided, subject to no claim being made on a policy. However, if this occurs after the cooling off period no refund will be given. Ending our relationship with you In circumstances where we feel we cannot continue providing services to you, we will give you a minimum of 7 days notice. Circumstances in which we may no longer wish to continue providing services to a customer could include: Non-payment of premium or fees Commission claw-back by insurers where instructions are given to another party to handle the customer s insurance(s) Failure to provide requested documentation or information Deliberate failure to comply with terms set out within the ToB or insurer s documentation Deliberate misrepresentation or non-disclosure, attempted fraud or other instances of bad faith Unless otherwise agreed in writing, if our relationship ends, any transactions previously initiated will be completed according to these Terms of Business. You will be liable to pay for any transactions concluded prior to the end of our relationship and we will be entitled to retain commission received for conducting these transactions, together with all fees charged by us for services provided. Your responsibilities You are responsible for providing complete and accurate information which insurers require in connection with any proposal for insurance cover. This is particularly important before taking out a policy and at 3/5

4 renewal, but it also applies throughout the life of a policy. This also applies to your responses in relation to any assumptions you may agree to in the process of applying for insurance cover. If you fail to disclose information, or misrepresent any fact which may influence the insurer s decision to accept the risk or the terms offered, this could invalidate the policy and mean that claims may not be paid. You must check all details on any proposal form or Statement of Facts and pay particular attention to any declaration you may be asked to sign. It is important that you read all insurance documents issued to you and ensure that you are aware of the cover, limits and other terms that apply. Particular attention must be paid to any warranties and conditions as failure to comply with them could invalidate your policy. You must inform us immediately of any changes in circumstances which may affect the services provided by us or the cover provided by your policy. If you are unsure about any matter, please contact us for guidance. Use of personal data We will process any personal information we obtain in the course of providing our services to you in accordance with the Data Protection Act In administering your insurances it will be necessary for us to pass such information to insurers and other product or service providers which may also provide us with business and compliance support. We may also disclose details to relevant parties, as necessary, to comply with regulatory or legal requirements. We may contact you in order to promote products or services, including from our sister companies, which may be of interest to you. We will not otherwise use or disclose the personal information we hold without your consent. Some of the details you may be asked to give us, such as information about offences or medical conditions, are defined by the Act as sensitive personal data. By giving us such information, you signify your consent to its being processed by us in arranging and administering your insurances. Subject to certain exceptions, you will be entitled to have access to your personal and sensitive personal data for which you will be charged a fee of 10. If at any time you wish us, or any company associated with us, to cease processing any of the personal data or sensitive personal data we hold, or to cease contacting you about products and services, please write to us at the address shown above. Credit checks We, and other firms involved in arranging your insurance (insurers or premium finance companies may use public and personal data from a variety of sources including credit reference agencies and other organisations. The information is used to help tailor a price, to ascertain the most appropriate payment options for you and to help prevent fraud. Any credit reference search will appear on your credit report whether or not your application proceeds. If you have any questions about this or any other matter, please do not hesitate to contact us. Conflict of interests Occasions can arise where we, or one of our associated companies, clients or product providers, may have a potential conflict of interest with business being transacted for you. If this happens, and we become aware that a potential conflict exists, we will write to you and obtain your consent before we carry out your instructions and we will detail the steps we will take to ensure fair treatment. Claims handling arrangements You should take note of the required procedures in the event of a claim, which will be explained in the policy documentation. Generally, insurers require immediate notification of a claim or circumstances which might lead to a claim. We will employ due care and skill if we act on your behalf in respect of a claim. Payment and refund of premiums Unless otherwise agreed and formalised by a premium instalment plan all premiums are due on the day cover is arranged, the date the policy is due for renewal, or the date any mid-term change is processed. 4/5

5 If you pay your premium by credit or debit card any refund will normally be credited back to the card used to make the payment. In some cases we may issue a refund by cheque payable to the Policyholder. Refunds to cards will usually appear in your account within 3 5 working days depending on your bank other payment methods can take up to 30 days. Renewal Under certain circumstances and to make the process of renewal easier we can automatically renew a policy and take payment by the same payment method as the previous year. We will always write, via , to advise you before we automatically renew any policy and give you the opportunity to contact us to cancel the renewal. If your policy is not eligible for automatic renewal we will write, via , to you prior to your renewal date to remind you that your renewal is due and to advise you how much the new premium will be. You will need to contact us to arrange your renewal. 5/5

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