YOUR GUIDE TO PREFERRED CHOICE HOME INSURANCE. Together, we ve got it covered.

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1 YOUR GUIDE TO PREFERRED CHOICE HOME INSURANCE Together, we ve got it covered.

2 WELCOME TO PREFERRED CHOICE WHO IS IT FOR? Preferred Choice is RSA s home insurance product for mid net worth customers who need higher levels of cover. It provides protection for buildings, contents and valuables. Offering significant levels of cover in an all encompassing product, with full accidental loss or damage worldwide. Preferred Choice is both average free and warranty free.

3 COVER HIGHLIGHTS BUILDINGS Cover up to 1,000,000 Trace & access up to 15,000 Up to 3 years for alternative accommodation. CONTENTS & VALUABLES Cover available from 75,000 up to 200,000 All-risk worldwide coverage Defective title cover up to 20% of the valuables sum insured 100,000 legal expenses cover included as standard. ALL POLICIES Full accidental loss or damage worldwide 24 Hour Home Emergency Assistance helpline and call out up to 500 Excess waiver for claims over 10,000 Average and warranty free No pairs and sets exclusions Legal expenses cover up to 100,000. PERSONAL CLAIMS SERVICE Personal claims specialist for claims between 3,000 and 250,000 Dedicated UK-based claims team. ADDITIONAL BENEFITS Hired marquees 20,000 Hand or wind propelled watercraft (up to 12 feet in length) 5,000 per craft Hole in one 500 Identity fraud 50,000 (with inner limits) Students contents Religious festivals and wedding gifts.

4 PREFERRED CHOICE COVER AND LIMITS GENERAL Home Emergency Assistance 500 Legal expenses 100,000 Jury service Up to 2,500 during the period of insurance, not exceeding 150 per day BUILDINGS COVER UP TO 1,000,000 Alternative accommodation costs Domestic energy and water expenses Emergency access Up to 3 years 5,000 for an insured loss, up to a maximum of 10,000 in total for any one claim Up to buildings sum insured Environmental upgrade 1,000 for an insured loss exceeding 10,000 2,500 for an insured loss exceeding 25,000 5,000 for an insured loss exceeding 50,000 Environmental buildings materials 1,000 for an insured loss exceeding 10,000 2,500 for an insured loss exceeding 25,000 5,000 for an insured loss exceeding 50,000 50,000 following a total loss of your home Environmental expenses Forced evacuation 5,000 for environmental consulting services 500 for the purchase of carbon offsets Up to 30 days Legal fees for removal of squatters 10,000 Loss of rent New fixtures and fittings Property owner s legal liability Up to 3 years Up to 10% of buildings sum insured 5 million

5 Trace and access Trees, shrubs, plants and lawns 15,000 in total for any one contents and buildings claim 5% of buildings sum insured and a limit of 1,000 for any one tree, shrub or plant Upgrading security systems 10,000 CONTENTS AND VALUABLES COVER AVAILABLE FROM 75,000 TO 200,000 Alternative accommodation costs Up to 3 years Business equipment 10,000 Computer information 5,000 Contents in a furniture depository Contents in the garden, greenhouses, garages and outbuildings Up to contents sum insured 15,000 Debris removal 1,000 Death of an artist Defective title Emergency access 100% increase of the sum insured of that item 20% of the valuables sum insured, up to a maximum of 25,000 per any one item Up to contents sum insured Fatal accident 25,000 Forced evacuation Food in a freezer Up to 30 days Up to contents sum insured Hired marquees 20,000 Hand or wind propelled watercraft (up to 12 feet in length) 5,000 per craft

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7 COVER AND LIMITS CONTINUED CONTENTS AND VALUABLES CONTINUED Hole in one 500 Identity fraud Loss of rent 50,000 (with inner limits) Up to 3 years Metered oil, water or gas 10,000 Money and credit cards Newly acquired contents and valuables Occupier s and personal legal liability 5,000 for money 5,000 for credit cards 20% increase on contents and valuables sum insured 5 million (up to 2 million for legal liability involving quad bikes) Quad bikes 5,000 Reinstatement of deeds and documents 5,000 Relative s contents 5,000 Religious festival and wedding gifts 20% increase on contents and valuables sum insured Students contents 15,000 Tenants improvements Tenants liability 20% of contents sum insured 20% of contents sum insured Theft from outbuildings 15,000 Theft from an unattended vehicle 15,000 Trace and access Trailers (up to 12 feet in length) 15,000 in total for any one contents and buildings claim 5,000 per trailer Unspecified valuables single article limit 5,000 Visitors personal effects 5,000 Wine and spirits Up to 25,000 per collection or up to 500 per bottle

8 OUR HOME INSURANCE PROPOSITION TO YOU DEDICATED PERSONAL LINES TRADING TEAM Our regional trading expertise builds strong relationships and helps you to grow your business. EASY TO DO BUSINESS WITH We make your life easier. From e-traded products to high-quality underwriting and sales support functions. You can access our Full Business Cycle EDI enabled Preferred Choice product through Acturis or our very own RSA Online e-trading system. We work together to ensure your job is simpler. UNDERWRITING EXPERTISE We have a specialist team of underwriters who are experts in their field. Their capability is here to provide reassurance for you and your customers. STRONG APPETITE We are committed to working closely with our brokers and growing our businesses together. This approach includes supporting brokers who wish to consolidate their personal lines portfolios by tailoring our propositions to meet individual broker needs. PERSONAL CLAIMS SERVICE Our UK based centres are fully dedicated to delivering excellent customer service, so you can rest assured that our obsession is getting it right for your customers. COMPETITIVE PRICING AND REMUNERATION Focused to deliver great value to your customers and the right level of commission for you.

9 A UNIQUE APPROACH TO CLAIMS CUSTOMER FOCUS With no more than 5% of customer calls abandoned and a choice of communication ( , telephone, text message or letter) when dealing with us, we put customers at the heart of our claims process. We have also introduced a feedback survey called Customer Satisfaction Monitor to measure our claims performance and continuously improve. COUNTER FRAUD UNIT This unit is dedicated to preventing, detecting and investigating application and claims fraud across all business classes. RSA has earned itself a market-leading reputation for its counter fraud activity, which has been recognised by the industry with several awards for endeavour and attainment. PERSONAL CLAIMS SPECIALIST Our field force will project manage claims between 3,000 and 250,000 and there will be a single point of contact for each claim. EMERGENCY RESPONSE VEHICLE Our Emergency Response Vehicle is deployed in times of emergency, so we can be there to offer our support and expertise when our customers need us most. SUPPLY CHAIN NETWORK Our world class (bench marked by Accenture) supply chain covers a full range of claims fulfilment requirements, including building repairs and contents replacement facilities, using a range of industry-recognised providers. METHODS OF SETTLEMENT We offer each customer a number of choices for settlement, including repair and replacement, cash paid by cheque or BACS directly into their bank account, or voucher or payment card options.

10 WHY RSA? There are many reasons to choose RSA, including our financial stability and rich heritage spanning over 300 years. Currently our credit ratings are Standard & Poor s: A Stable and Moody s: A2 Negative. SUSTAINABLE, SOLID RESULTS Our home insurance book is worth over 680m. We re committed to brokers and the home insurance market. TRUSTED ACROSS THE UK We currently insure 2.4 million homes, protecting people against the risks they face in their daily lives. IMMERSED IN THE HOME INSURANCE MARKET We use a number of different distribution channels and take our experience learned in each to build better product propositions for our customers. AWARDED FOR PERFORMANCE We have received a number of awards including: A Best Big Company to Work for 2012, 2013, 2014 Winner of CXC Diamond Award, Clarabridge Customer Experience Champion Awards 2015 Winner of the Best Employee Engagement and Overall Winner categories in the 2012 Chartered Institute of Personal Development.

11 WORKING TOGETHER, IN PARTNERSHIP We want to be your number one choice for home insurance. That is why we have set up a commitment based, partnership framework. Within this framework the proposition we offer recognises the strength of relationship we have with brokers. For more information speak to our trading team who will be happy to help. HOW TO CONTACT US Contact the Personal Intermediated Broker Trading Team on or personallines.trading@uk.rsagroup.com FIND OUT MORE For more information on Clearchoice and our other home insurance products please take a look at our product comparison, or visit us online at rsabroker.com/home-insurance OTHER HOME INSURANCE PRODUCTS CLEARCHOICE Clearchoice is RSA s mass market home insurance product. It provides protection for buildings, contents, or both as combined cover. OAK HOME INSURANCE Private Client insurance via Oak Underwriting offering tailored home insurance for high net worth customers. A quality blend of cover and services. Clearchoice offers significant levels of cover as standard and includes the option to add extras and adjust excess amounts in line with the needs of your clients.

12 Contact the Personal Intermediated Broker Trading Team: personallines.trading@uk.rsagroup.com rsabroker.com/home-insurance For more information or to join the conversation about the great products and services RSA offer, visit: RSAbroker