CONTRACTORS PROFESSIONAL INDEMNITY POLICY (COPI 05/14 V3.1)

Transcription

1 (COPI 05/14 V3.1)

2 Section POLICY WORDING CONTENTS Page Number A. Policy Information 2 B. Your Protection 2 C. Exclusions 3 D. General Conditions 5 E. Claims Conditions 6 F. Definitions 6 G. Further Information Complaints Procedure and Data Protection Act 7 GB Underwriting Division St. David s Court Union Street Wolverhampton WV1 3JE T: F: E: uwenquiries@thistleunderwriting.co.uk NI Underwriting Division Arthur House 41 Arthur Street Belfast BT1 4GB T: F: E: uwenquiries@thistleunderwriting.co.uk Page 1 of 8 (COPI 05/14 V3.1)

3 A. Policy Information This insurance has been prepared in accordance with Your instructions. Please read it carefully to ensure that it meets Your requirements. Words and expressions appearing in bold type shall bear the meanings given against the word or expression in Section F - Definitions. The Limits of Indemnity given under this insurance are as stated in the Schedule unless more specifically detailed within this insurance. Any headings or tables are for ease of reference only. Our Commitment to You We will make sure all the information We give You will be clear fair and accurate. We will always aim to be fair and reasonable whenever You need the protection of this insurance. We will also act promptly to provide that protection. Our Customer Care Policy Thistle Underwriting is committed to delivering the highest standards of customer care. We are always interested in Your feedback and You can contact us by post, or telephone. Thistle Underwriting Underwriting Director St. David s Court Union Street Wolverhampton WV1 3JE T: F: E: uwenquiries@thistleunderwriting.co.uk Making a Claim If any incident occurs which may result in a Claim, You must immediately contact the claim notification line on or rholme@wrberkley.com. You should refer to the Claims Conditions in Section E for full details of the Claims procedure and conditions. Summary of Key Covers Breach of Confidentiality Dishonest or Fraudulent Act B. Your Protection Our liability under this insurance is the maximum amount stated under the Professional Indemnity Limit of Liability detailed in the Schedule unless otherwise specifically stated within the Schedule or more specifically detailed within this insurance. In return for full payment of the Premium due under this insurance We will indemnify You up to the Limit(s) of Indemnity stated in the Schedule and subject to the Excess (es) applicable under this insurance for any settlement, damages, interest and claimant s costs arising from any Claim made against You arising out of Your Business Activities and first made against You and notified to Us during the Policy Period for any: 1. Breach of Professional Duty Breach of professional duty being any negligent act, negligent error, negligent advice, negligent omission committed by You, an Employee or any person, firm or company directly appointed by You under a formal contract and acting on Your behalf. Such breach shall be deemed to include any You or by an Employee; You or by an Employee; c) Unintentional Breach of Confidentiality by You, an Employee or any person, firm or company directly appointed by You under a formal contract and acting on Your behalf; d) Dishonest or Fraudulent Act arising out of dishonest or fraudulent act or omission on the part of an Employee provided that: i. No person committing or condoning such dishonest or fraudulent act or omission shall be entitled to indemnity under this insurance; and ii. No indemnity shall be provided for dishonest or fraudulent acts committed by any person after You discover or have reasonable cause for suspicion of fraud or dishonesty on the part of that person; and iii. If We request You shall take all reasonable steps to effect recovery from the person committing or condoning such dishonest or fraudulent act or omission or from legal representatives of such person; and iv. In respect of any former or present Director, member, partner, Principal, or Employee this shall not include any consequential or trading loss whether financial or otherwise, or any business interruption loss whether financial or otherwise The Limit of Indemnity granted under this item (d) shall be in the aggregate. e) Unintentional Infringement of intellectual Property being any unintentional passing-off or infringement of copyright, design right or trademark inadvertently committed by You or by an Employee; f) Inadvertent Transmission or receipt of any Virus that causes loss of or damage to any Computer System belonging to one of Your customers or any third party unless the Virus was created by You. Page 2 of 8 (COPI 05/14 V3.1)

4 2. General Extensions a) Indemnity to Principal If You so request, We will indemnify any principal with whom You have entered into an agreement in so far as is necessary to meet the requirement of such agreement but only in respect of liability incurred to independent third parties arising directly from Your Business Activities. We will indemnify You for any reasonable cost and expense You incur with Our prior written consent in respect of any action taken to mitigate a loss or potential loss that otherwise would be subject to a Claim under this insurance. The onus of proving a claim under this section shall be upon You Documents Subject to Our prior approval We will pay the reasonable and necessary costs and expenses to repair, replace, reconstitute or restore any Documents belonging to Your clients which after diligent search cannot be found and are lost, damaged or destroyed provided that such Document(s) were under Your care, custody or control including where such loss, damage or destruction is due to the inadvertent transmission or receipt of any Virus unless the Virus was created by You. d) Ombudsman Awards For any sum payable as a compensation award up to but not exceeding the Limit of Indemnity in respect of a final and binding award or determination of any Ombudsman notified to Us during the Policy Period provided always that such compensation award arises out of the provision of Your Business Activities. 3. Costs Extensions Subject to Our prior approval We will pay any legal costs incurred to enable You to be represented at any enquiry or other type of proceeding when the outcome of that enquiry or proceeding may, in Our sole opinion be relevant to a Claim in respect of which You may be entitled to an indemnity under the insurance. b) Additional Defence Costs and Expenses Subject to Our written consent defence costs and expenses incurred by You in respect of any prosecution brought against You and notified by You to Us during the Policy Period for alleged offences under the ii. Health and Safety at Work etc. Act 1974; However indemnity for these defence costs and expenses shall only apply where the conduct of this defence would be of benefit in any subsequent or current civil proceedings that arise from the same matter and could be matters that are the basis of a Claim under this insurance. c) Privacy Breach Costs Subject to Our prior approval We will pay You the reasonable and necessary related advertising and administrative expenses incurred by You to notify Your customers in the event of a privacy breach that You first become aware of and notify to Us during the Policy Period that results in the compromise or potential compromise of personal information in respect of Your customers maintained or otherwise residing on computer systems operated by You. d) Data Protection Act Costs For the Defence Costs and Expenses brought against You or any Employee which arise out of the conduct of Your Business Activities in respect of any offences or alleged offences under sections 21(1), 21(2), 22(6) and 47(1) of the Data Protection Act 1998 and any subsequent or amending legislation. Our liability in respect of these Defence Costs and Expenses shall not exceed 100,000 in respect of any one claim and in the aggregate during the Policy Period. e) Court Attendance Costs Any event where We require You or any Employee to attend in respect of any court or other judicial tribunal We shall pay You compensation at the following agreed rates i. 500 per day for any current partner, member or Director of Your firm; and ii. 250 per day for any other current Employee. C. Exclusions We shall not pay for any Claim arising directly or indirectly out of or in any way involving the following: 1. General Exclusions a) Agreement to Finance Any agreement to provide or introduce finance. The presence in whatever form or amount or in any manner of asbestos or fungi. For the purposes of this insurance, fungi shall mean any fungus or mycota, or any by-product or type of infestation produced by such fungus or mycota but not limited to mould, mildew, mycotoxins, spores or any biogenic aerosols. c) Bodily Injury Bodily Injury of any person unless caused directly by any negligent, advice, design or specification by You, any Employee or any person, firm or company directly appointed by You under a formal contract and acting on Your behalf. d) Connected Person Any Claim brought by any person within the definition of You or on Your behalf, or any parent or subsidiary company, or any person having a financial, executive or controlling interest in You, or any entity controlled or managed by You. e) Deliberate or Dishonest Acts Any deliberate or reckless act or omission or any malicious, dishonest or fraudulent act or failure to act committed or condoned by You other than as covered by section B (1)(d). f) Directors Any liability incurred by You as a Director in Your respective capacities as a Director, Any breach of any duty that You may have to, or for any Bodily Injury suffered by, any Employee, former Employee or breach of any obligation owed by You as an employer to any partner, Principal, Director, member or Employee or applicant for employment. h) Insolvency Your insolvency or bankruptcy. Any association or joint venture conducted with any third party other than in respect of a Claim arising from Your Business Activities. We will not be liable to pay any Claim made by any associated party within the association or joint venture unless Page 3 of 8 (COPI 05/14 V3.1)

5 such Claim emanates from a Claim made against the said associated party or joint venture by a wholly independent third party. j) Known Claims or Circumstances Any Claim or any Circumstance which was known to You prior to the inception of this insurance and You know or should reasonably have known might result in a Claim against You. jurisdiction stated in the Schedule or brought in a court of law within the jurisdiction to enforce a judgement or order made in any court of law outside the jurisdiction; or ii. Any Business Activities if conducted outside the Territorial Limits that are stated in the Schedule. l) Notified after the Policy Period Notified to Us after the end of the Policy Period. m) Nuclear and War i. War (whether declared or not), invasion, acts of a foreign enemy, hostilities, or any similar act, condition or warlike operation, warlike action by a regular or irregular military force or civilian agents, or any action taken by any government, sovereign or other authority to hinder or defend against an actual or expected attack; or ii. insurrection, rebellion, revolution, riot, attempt to usurp power, popular uprising, or any action taken by any governmental or martial authority in hindering or defending against any of these; or iii. Discharge, explosion, or use of a weapon of mass destruction, whether or not employing nuclear fission or fusion, or chemical, biological, radioactive or similar agents, by any party at any time for any reason. i. Any performance warranty, guarantee, penalty clause or liquidated damages clause unless Your liability would have existed to the same extent in the absence of such performance warranty, guarantee, penalty clause or liquidated damages clause; or ii. Any disciplinary investigations or proceedings or any fines, exemplary or punitive damages, prosecution costs or penalties other than covered under Section B 3 (a). Any matter in which You are or (but for the existence of this insurance) would be entitled to indemnity under any other contract of insurance. p) Pollution and Contamination Any pollution, seepage, discharge or contamination of any kind; or any ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel; or radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component. Retroactive Date Any act, error or omission committed prior to the Retroactive Date specified in the Schedule. r) Property Damage Damage to or destruction of any tangible property including loss of use (other than a Claim incurred under item 2 (c) in section B) unless caused directly by any negligent advice, negligent design or negligent supervision, by You, an Employee or any person, firm or company directly appointed by You under a formal contract and acting on Your behalf. i. For the payment of any kind of tax or arising directly or indirectly from the breach of any taxation legislation or regulation; or ii. Any trading losses or trading liabilities incurred by You or any business managed by or carried on by or on behalf of You including but not limited to 2) the depreciation, failure to appreciate or loss of any 3) property for investment purposes when such depreciation, failure to appreciate or loss is a result of normal or abnormal fluctuations in any financial, stock or commodity or other markets which are outside Your 4) debts incurred by any business managed by or carried on by You except that this exclusion shall not apply to any Claim made against You for negligence in the course of the conduct of professional services in any receivership or proceedings under the Insolvency Act 1986; iii. The giving any express or implied warranty or guarantee relating to the financial return of any investment or portfolio of investments. t) Terrorist Action As a consequence of any act or acts of force or violence undertaken, for whatever reason, with the aim of influencing or overthrowing any government or public authority or with the aim of making the public fearful. u) Virus Any Virus except and to the extent that You are entitled to an indemnity under items 1 (f) and 2 (c) in Section B. 2. Trade Specific Exclusions a) Capacity as Building or Engineering Contractor Any demolition, construction or erection work which You are responsible for as a building or engineering contractor whether or not in conjunction with Your Business Activities other than as covered under insuring clause B (1). b) Collateral Warranty Any Collateral Warranty or other agreement i. That has been assigned on more than one occasion since the agreement was entered into by You, unless liability would have attached to You in any event in the absence of such an agreement; or ii. Where the effect of the agreement is to deprive You of a limitation defence which would otherwise have been available under any relevant statute or law. d) Estimate of Construction Costs Any estimate of construction costs except where such estimates are compiled by professional qualified Quantity Surveyors. An adjudication award made under the Housing Grants You have agreed that the adjudicator is entitled to make an award that is finally binding upon You or where You have agreed to an Adjudication process materially more onerous than that provided under the Act. f) Provision of Goods and Services The construction, supply, manufacture, sale, installation, repair, alteration or maintenance of goods, products or services by You or on Your behalf. Survey inspection or valuation reports of real property. Page 4 of 8 (COPI 05/14 V3.1)

6 D. General Conditions 1. Cancellation You may a) During the cooling off period If You are an individual or a sole trader in England and Wales You have the right to cancel this insurance during a period of 14 (fourteen) days either from: i) The day of purchase of the contract; or ii) The day on which You receive Your Policy documentation whichever is the later. You will be entitled to a full refund of premium paid, unless a Claim had been made or a Circumstance notified which may give rise to a Claim and which leads to the contract of insurance being fully completed in which case the full annual premium will be payable. To exercise Your right to cancel this insurance please contact the insurance broker, as stated in the Schedule, through whom You arranged this insurance. You may cancel this insurance at any time by giving Us 30 (thirty) days written notice. You will be entitled to a refund of premium paid in respect of the unexpired portion of the Policy Period, after any adjustment of the premium paid as provided for by any condition of this insurance, and subject to no Claim having been paid or being outstanding (in whole or in part) or any Circumstance being notified. However no refund of premium will be allowed on this insurance cancelled within six months of its expiry. c) Our i. if the premium for this insurance is paid by periodic instalments, whether by direct debit or otherwise, in the event of default in the payment of any instalment, for whatever reason, this insurance shall cease from the date of non-payment, subject to the Consumer Credit Act 1974, if applicable and any amending or subsequent legislation. Us sending 30 (thirty) days notice by recorded delivery letter to Your last known address stating the reasons for cancellation. Where this condition is exercised, You shall become entitled to a return of premium in respect of the unexpired portion of the Policy Period, after any adjustment of the premium paid as provided for by any conditions of this insurance, and subject to no Claim having been paid or being outstanding (in whole or in part) in respect of the expired portion of the Policy Period. A cancellation charge of may be chargeable. 2. Payment of Limit of Indemnity We have the right to pay to You the Limit of Indemnity or a smaller amount for which a Claim can be settled after deduction of any sum already paid. We will have no further liability under this Insurance for any further payment of such Claim except for costs and expenses incurred prior to the payment of the Claim or with Our written consent. 3. Dishonesty In the event that any Claim or Circumstance notified to Us arises directly or indirectly from any malicious, dishonest or fraudulent act or omission then You must take all reasonable steps to a) Prevent any further loss being incurred as a result of such malicious, dishonest or fraudulent act or omission; and Us with all assistance required to do so) from any person or persons who committed or condoned such malicious, dishonest or fraudulent act or omission. If You hold money that, but for the malicious, dishonest or fraudulent act or omission, would be due to any person involved then We shall be entitled to reduce the amount payable under this insurance by an amount equal to the amount that You hold. 4. Fraudulent claims If You make any Claim under this insurance knowing it to be false or fraudulent, whether as to the facts relied upon or as to the amount claimed or otherwise, this insurance shall become void and We shall not be liable to provide You with any further cover under this insurance. 5. Governing law Thistle Underwriting is governed by the laws of England and Wales. 6. Policy Disputes In the event of any dispute under this insurance to the meaning, effect or validity of the insurance then the dispute should be referred to a Queen s Counsel of the English Bar whose identity shall be mutually agreed upon between Us and You or to any other party as may be mutually agreed. 7. Invalidity If any provision of this insurance is found to be invalid by any competent court or administrative body this will not affect the validity of any other provision in this insurance. 8. Security Standards You must maintain adequate systems and procedures for the creation and storage of back-up computer records in respect of Documents in Your custody and control and maintain an Information Security policy including but not limited to the identification, remediation and patching of any software errors or Computer System vulnerabilities. 9. Sub Contractor Minimum Professional Indemnity Insurance You shall, where You have engaged any person, firm or company of Your Business Activities, ensure that at the time of engagement such Sub Contractors have their own professional indemnity insurance which: a) Provides an indemnity to such Sub Contractors for any negligent act, error or omission in the conduct of their activities or duties whilst acting on Your behalf; and b) Carries a limit of indemnity which is the same amount as the Limit of Indemnity stated in this Policy or 1,000,000, whichever is the lesser. 10. Subrogation You must promptly provide Us with all Documents and information that We may request and provide Us with all assistance and cooperation that We may require in order to try to obtain reimbursement from any third party of any Claim including, where relevant, costs and expenses that We may have to pay in relation to any Claim made against You. 11. Third party Rights You and We are the only parties to this contract and no other person Act 1999 to enforce any rights under this insurance, but this does not affect the ability of any third party to enforce any other right or remedy they may have. Page 5 of 8 (COPI 05/14 V3.1)

7 E. Claims Conditions If You fail to comply with these conditions We may be entitled to decline to indemnify You against that Claim or any Claim that may arise from the Circumstance. 1. General Claims Conditions a) You must notify Us as soon as reasonably practical and during the Policy Period of : i. Any Claim made against You; ii. Any Circumstance of which You are aware which may give rise to a Claim or to an entitlement to be indemnified under this insurance. You must promptly forward to Us all documents that You receive relating to any such Claim or Circumstance. b) In the event that We are notified during the Policy Period of any Circumstance which may give rise to a Claim then any Claim which arises directly from this Circumstance shall be deemed to have been made during the Policy Period. c) You must not admit liability or make any offer or promise of payment without Our prior consent. d) You must provide all help, assistance and cooperation We require in connection with any Claim or Circumstance. e) We shall be entitled but not obligated, to take over the investigation, defence or settlement of any Claim or Circumstance. 2. Adjudication special notification requirement Notwithstanding the provisions of General Claims Condition 1 above it is a condition precedent to liability under this Policy that You shall give notice to Us within two working days of receipt of a notice that a dispute involving You (or likely to involve You) is being referred to adjudication or is likely to be referred to adjudication under the Housing Failure to notify in accordance with the requirements of this clause will result in Us having no liability in respect of such matter. Following notification that a dispute is being referred, or is likely to be referred, to adjudication under the Construction Act, You shall: a) Co-operate fully and promptly with all reasonable requests from Us, especially those relating to response times, and such co-operation shall extend to any subsequent challenge to the adjudicator s decision b) Not, without Our prior written consent, make any admission in respect of the dispute being referred to adjudication to agree or to accept the decision of the adjudicator as finally determining the dispute with no reference to legal proceedings, arbitration or alternative dispute resolution. Following a valid notification of a dispute referred to adjudication under the Construction Act, where the sums claimed exceed the Excess and where We, based on the facts known to Us consider the notification is covered in whole or in part by the Policy: i. We settlement of that part of the notification covered by the or settlement of such dispute. ii. No solicitor s costs or Claims consultant s costs incurred in respect of any such matter will be met by Us unless agreed by Us prior to the appointment of such solicitors or Claims consultants. F. Definitions Bodily Injury means, injury, sickness, disease, emotional distress (other than emotional distress arising from any inadvertent libel or slander), mental anguish, mental stress or the death of any person. Business Activities means the performance by You of any: this policy Undertaken only by or under the direction and control of a Qualified Person. For the avoidance of doubt Business Activities does not include supervision by You of Your own or Your subcontractors work where such supervision is undertaken in Your capacity as a Building or Engineering Contractor. Claim/Claims means any demand made of or assertion of any right against You which is communicated to You orally or in writing. Any Inter Related Claims arising shall be deemed to be one Claim under this Insurance. Circumstance means an intimation of an intention to claim against You or the discovery of any Circumstance by You or any Circumstance You should reasonably have known may result in a Claim against You. Collateral Warranty means an agreement whereby You agree to extend certain of Your contractual or tortious obligations in the provision of professional services to any party other than a party with whom You had the original agreement to provide such services. Computer System means an electronic, wireless, web or similar systems (including all computer hardware, computer programs and electronic data) used to process data or information in an analogue, digital, electronic or wireless format, including but not limited to, associated input and output devices, data storage devices, networking equipment, wired or wireless peripherals, electronic backup facilities, and media libraries. Defence Costs and Expenses means costs and expenses incurred in the Claim, Claims or Circumstances by or on Your behalf with Our prior written consent. It does not include Your own costs and expenses. Director means a Director of the business named in the Schedule of this insurance where it is a limited company incorporated under the Companies Acts 1948 to Documents means all records arising from Your business whether kept in paper (excluding stamps, currency, coins, bank notes and bullion, travellers cheques, cheques, postal orders, money order, securities and the like), magnetic or electronic form, belonging to You or for which You are legally responsible, whilst in Your custody or in the custody of any person (other than the owner) to or with whom they have been entrusted, lodged or deposited You in the ordinary course of Your Business Activities. Employee means any person (including volunteers and locums), other than a partner, principal or Director who is under a contract of service or Page 6 of 8 (COPI 05/14 V3.1)

8 apprenticeship, supplied to, hired, or borrowed by You or under any work experience or similar scheme, whilst employed or engaged by and under Your control in connection with Your Business Activities. Excess means the amount(s) stated in the Schedule. The Excess does not apply to Defence Costs and Expenses unless otherwise stated in the Schedule. Inter Related Claim(s) means any Claim arising from the same act, error or omission or series of acts, errors or omissions consequent upon or attributable to the same original cause or source (or in the case of fraud or dishonesty attributable to one person or persons acting together). Limit of Indemnity means the maximum amount We will pay under this insurance in respect of any one Claim during the Policy Period regardless of the number of persons or entities covered by this insurance. The Limit of Indemnity shall be the amount(s) stated in the Schedule. Defence Costs and Expenses are payable in addition to the Limit of Indemnity unless otherwise stated in the Schedule. Ombudsman means any Ombudsman appointed pursuant to the provisions enactment thereof. Policy Period means the Period stated in the Schedule. Premium means the amount stated in the Schedule. Principal means You when You are a sole practitioner. Qualified Person means a Chartered surveyor, a Chartered Architect or a Chartered Engineer or any other person with at least five years relevant experience in respect of the Business Activities insured hereunder. Retroactive Date means any Retroactive Date specified in the Schedule. Schedule Schedule insurance. Virus means any software or executable code that replicates itself through a computer or computer network whether called a virus, logic bomb, Trojan Horse, worm or given any other name or term We/Us/Our means Thistle Underwriting acting in an underwriting capacity (Firm Number:223981) and is registered in England & Wales (Company You /Your means the entity identified in the Schedule and its Principals, members, partners or Directors including all former partners, members or Directors, and all who may become partners, members or Directors in Your business during the Policy Period. G. Further Information Any complaint You may have regarding this insurance should be addressed in the first instance to the Insurance Broker who arranged this insurance. If You are not satisfied with the way the complaint has been handled, or if the complaint is against Us, to Thistle Underwriting at the address shown below. Please ensure that You provide details of Your Insurance Policy and in particular Your Insurance Policy number to help Us deal with Your c Please address Your complaint to: Thistle Underwriting St. David s Court Union Street Wolverhampton WV1 3JE If the complaint is against Us or how Your Claim has been handled and You are not satisfied with the way the complaint has been handled, or if the complaint is against the Insurer, You should refer the complaint to the Insurer at the address shown below: If You are still unhappy following receipt of the final response You may review Your case. The address is: Exchange Tower Harbour Exchange Square E14 9GE T: W: Please note that not all businesses are eligible for the services of information. Thistle Underwriting and Your broker are covered by the Financial Services Compensation Scheme (FSCS). This means that You may be entitled to receive compensation up to a maximum of 90% (100% for compulsory insurances) with no upper limit, of Your Claim if either of Us are declared in default in relation to advice Your broker has given or arrangements Your broker or We have made. The Insurer is also covered by the Financial Services Compensation Scheme (FSCS). This means that You may be entitled to receive compensation up to a maximum of 90% (100% for compulsory insurances) with no upper limit, of Your Claim if the Insurer cannot meet its financial obligations. Further information about compensation scheme arrangements is available from the FSCS: Financial Services Compensation Scheme (FSCS) 10th Floor Beaufort House 15 St Botolph Street EC3A 7QU. Page 7 of 8 (COPI 05/14 V3.1)

9 T: or W: If You take any of the actions mentioned above it will not affect Your right to take legal action. Data Protection It is understood by You that any personal data provided by You to Thistle You, Your Employees or Your Agents will be processed by Thistle Underwriting and the Insurer, in compliance with the provisions of the Data Protection Act 1998 and any subsequent or amending legislation, for the purpose of providing insurance and handling Claims, if any, which may necessitate providing such information to third parties. All countries in the European Economic Area, (EEA) including the UK have similar standards of legal protection for Your personal information. We may administer aspects of Our relationship with You and provide other services from centres outside the EEA that may not have the same standard of data protection laws as the UK. However, if We do, We will always have a contract in place to ensure that Your personal information is protected at least to UK standards, and We will remain bound by Our obligations under the Data Protection Act Should You wish to obtain details of the information We Insurer hold on You please contact: Thistle Underwriting St. David s Court, Union Street Wolverhampton, WV1 3JE A small fee may be charged to cover the cost of administration. Page 8 of 8 (COPI 05/14 V3.1)

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