Car Insurance Optional Extras Policy Wording

Car Insurance Optional Extras Policy Wording The products outlined in this booklet only apply if shown in your Car Insurance Welcome Letter and Optional Extras Schedule

Contents Contents 1. Legal Protection... 04 2. Breakdown Cover... 15 3. Personal Accident Cover... 29 4. Replacement Car Cover... 38 5. Windscreen Protection (applicable to Third Party Fire and Theft and Third Party Only policies)... 45 6. Key Cover... 52 7. Excess Protection... 58 8. Scratch,Dent & Alloy Cover... 66 9. MOT Cover... 76 10. Driver s Licence Cover... 88! Car Insurance Optional Extras Policy Wording The optional extra products in this booklet only apply if shown in your Car Insurance Welcome Letter and Optional Extras Schedule. This booklet contains the key facts and policy wording for all optional extra products we offer when purchasing car insurance. Please check your Optional Extras Schedule to confirm which optional extra products you have on your policy. We advise that you read this booklet carefully for details of the cover provided for each of the optional products you have purchased. For each optional additional product sold with your car insurance policy, you will enter into two separate contracts. The first contract is with us for arranging and administering your insurance policy on your behalf, and the second contract is with the insurer(s) for providing your insurance. A premium inclusive of Insurance Premium Tax shall be charged to you for both of these services. If you would like to speak to! about any of these products or add any to your car insurance policy call the team on 0844 800 8002. Please note: the processes in this booklet are only for matters relating to the optional extra products shown above. Should you have any queries regarding your car insurance policy and any related claims, please refer to your car insurance policy booklet.! is a trading name of Insurance Services Limited. Registered in England and Wales Company number 08553997. Registered Office: 3 More London Riverside, London, SE1 2AQ. Insurance Services Limited are an appointed representative of UK General Insurance Limited who are authorised and regulated by the Financial Conduct Authority. 02 Optional Extras Policy Wording

Summary Pages Some Important Information Here are some important telephone numbers if you ever need to make a claim on any of the optional extra products you have purchased. Legal Protection 0800 783 3000 Breakdown Cover 0844 809 9508 Personal Accident Cover 0844 809 9513 Replacement Car Cover 0844 809 9963 Windscreen Cover 0844 809 9513 Key Cover 0871 230 1213 Excess Protection 0844 893 7805 Scratch, Dent & Alloy Cover 0844 893 7805 MOT Cover 0844 893 7805 Driver s Licence Cover 0844 893 7805 Should you have a complaint? At! We aim to provide you with great customer service at all times, however if you have a complaint about the way in which your policy was sold to you, you can contact us by phone, email or letter and we will try our best to resolve your issue as soon as possible. Tel: 0844 800 8002. Email: hello@surething.co.uk Post: Customer Relations Manager,!, Maxim 3, 2 Parklands Avenue, Eurocentral, Motherwell, ML1 4WQ Should you have any questions or complaints about the handling of a claim or the optional extra policy itself, you should speak to the provider of the policy directly. Contact details are provided for within this booklet and telephone numbers are listed above under Some Important Information. If you are still not satisfied, you may refer your complaint to the Financial Ombudsman Service (FOS) by: Tel: 0845 080 1800 or 0300 123 9 123 (from mobile or non BT Lines) Email: Complaint.info@financial-ombudsman.org.uk Post: The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, Docklands, London E14 9SR Financial Services Compensation Scheme (FSCS)! and your Insurers are members of the Financial Services Compensation Scheme. You may be entitled to compensation from the FSCS if the liabilities are not met under this insurance. This depends on the type of business and the circumstances of the claim. A claim is protected for 90%, without any upper limit. Further information about the compensation scheme arrangements is available from the FSCS. Information can be obtained on request by: Tel: 0207 892 7300 Email: enquiries@fscs.org.uk Post: The FSCS, Lloyds Chambers, Portsoken Street, London E1 8BD Data Protection Please note that any information provided to! will be processed by Us and Our partners in compliance with the provisions of the Data Protection Act 1998 and will be treated as private and confidential. We will however use and disclose the information we collect and hold about you in the course of arranging, placing, administering your insurance which may involve passing information about you to other insurers, credit reference agencies, debt recovery agencies, other intermediaries, risk management assessors, anti-fraud databases and uninsured loss recovery agencies. Optional Extras Policy Wording 03

Section 1 Section 1 Legal Protection 04 Optional Extras Policy Wording

Legal Protection Motor Legal Protection Policy This is a summary of your Motor Legal Protection Policy. It does not contain the full terms and conditions which can be found in your policy wording. The period of cover is linked to that provided by your separate motor insurance policy but is normally for 12 months following payment of the premium or agreement to pay the premium. For cover to be valid under this Motor Legal Protection Policy your motor insurance policy must remain in force. This policy only operates in the event of an accident for which the policyholder is not at fault and where there is a reasonable prospect of success in recovering the policyholder s uninsured losses from the responsible party. This policy is suitable for someone seeking insurance cover for legal costs incurred pursuing a claim for the recovery of uninsured losses (including personal injury claims) from the person responsible for the accident following a non-fault road traffic accident. SIGNIFICANT FEATURES AND BENEFITS This policy will cover you for: Legal costs Cover (including opponents costs) up to 100,000 if the insured vehicle is involved in a non-fault accident with another vehicle, to pursue compensation for: Loss of or damage to the insured vehicle; Damage to any personal property owned by you or for which you are legally responsible whilst in or on the insured vehicle; Death or personal injury to the authorised driver and passengers whilst in, on or mounting or dismounting from the insured vehicle; Any other uninsured losses incurred as a result of the accident e.g. your policy excess, hire vehicle charges, loss of earnings. Helpline The policy also includes access to a 24 hour Motor Legal Helpline which will provide you with preliminary advice and guidance in relation to your use of the vehicle covered by this insurance. SIGNIFICANT EXCLUSIONS OR LIMITATIONS This policy will not cover you: For any legal costs in excess of 100,000. If your claim against the other party does not have reasonable prospects of success. If the other driver cannot be traced or identified, or is not insured. If the claim is not reported to us within 30 days of the accident. If the authorised driver and passengers are not in or on the insured vehicle at the time of the collision. If you appoint a solicitor without first obtaining our agreement. If you incur costs before we appoint a solicitor to represent you. The Helpline will not: undertake any communication or correspondence on your behalf, provide written advice, or provide any formal legal advice or representation. POLICY SECTION Definitions: Limit of Indemnity Definitions and What is covered General Exception 13 General Condition 2 and General Exception 1 Definitions: Insured incident General Condition 4 General Exception 3 What is covered Optional Extras Policy Wording 05

Legal Protection SIGNIFICANT FEATURES AND BENEFITS This policy will cover you for: Motor Prosecution Defence Carpenters Solicitors will defend a motor prosecution on your behalf where there is a reasonable prospect of acquittal, or in circumstances in which if convicted you would face a mandatory driving disqualification. SIGNIFICANT EXCLUSIONS OR LIMITATIONS This policy will not cover you: Motor Prosecution Defence cover is only provided: if you do not have cover under any other policy including your underlying policy of motor insurance POLICY SECTION What is covered Claims Procedure If you wish to make a claim you should contact the Administrators/Claims Handlers on 0800 783 3000 or contact the Insurance intermediary who arranged cover for you. Cooling Off Period Before you accept our policy you have 14 days to review your policy wording. If you are not totally happy with the policy and you have not made a claim you can write to your Insurance intermediary requesting that your insurance is cancelled and that any monies paid be returned. We will then cancel your insurance. Cancellation Written confirmation of the cancellation of the policy may be given at any time by you or by us, as detailed in the policy wording under the heading Cancellation. We will give you 7 days notice of cancellation to enable you to find alternative cover. You may cancel the policy by contacting your Insurance intermediary. In the event that you instruct us to cancel the policy outside of the cooling off period there will be no refund of premium. Customer Relations, Markerstudy Limited, PO Box 727, Chesterfield, S40 9LH. They will contact you within five days of receiving your complaint. They will try to resolve the problem and give you an answer within four weeks. If it will take longer than four weeks then you will be told when you can expect an answer. If you are still not satisfied you can contact the Financial Ombudsman Service at the following address; Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London, E14 9SR. Following the complaints procedure does not affect your right to take legal action. The Underwriters are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if they cannot meet their obligations. Further information is available from the Financial Services Authority or the FSCS. The FSCS can be visited at www.fscs.org.uk or on 0207 741 4100. This policy is provided by Markerstudy Insurance Company Limited which is a member of the Association of British Insurers. Complaints Procedure If you have any complaint you should first contact your Insurance intermediary or the Administrators. Complaints can be made verbally or in writing. Alternatively you can write to the underwriter s dedicated complaints team at the offices of their service providers in the UK at Markerstudy 06 Optional Extras Policy Wording

Legal Protection Policy Wording Section 1 Motor Legal Protection Insurance Policy This is your legal expenses insurance policy. It is administered by Carpenters Solicitors and underwritten by Markerstudy Insurance Company Limited. It is only valid if bought in conjunction with a separate motor insurance policy which is issued in your name. Cover under this legal expenses insurance policy will cease when the separate motor insurance policy expires or is cancelled. It describes the contract between you and Markerstudy Insurance Company Limited, and in return for the premium, cover is provided for the period of insurance under the terms set out in your policy. This policy gives you the details of what your legal expenses insurance does and does not cover. Please read this document carefully to avoid any misunderstandings. Please pay special attention to those pages describing the Conditions and Exceptions which apply to your whole policy. Unless specifically agreed otherwise, this insurance shall be subject to English Law. The terms and conditions of this policy and all other information concerning this insurance are communicated to you in the English language and both the underwriters and administrators undertake to communicate in this language for the duration of the policy. Gary Humphreys Underwriting Director Markerstudy Insurance Company Limited Authorised Insurers, registered in Gibraltar No 78789. Registered Office: 846-848 Europort, Gibraltar Markerstudy Insurance Company Limited are regulated by the Gibraltar Financial Services Commission and subject to a limited regulation by the Financial Conduct Authority in respect of underwriting insurance business in the UK (Number 206322). This policy is covered by the UK Financial Services Compensation Scheme. If we cannot meet our obligations under the policy you may be entitled to compensation under the scheme. Further information about compensation scheme arrangements is available from the FSCS (www.fscs.org.uk or telephone 0207 741 4100) Markerstudy Insurance Company Limited is a member of the Association of British Insurers This Motor Legal Protection Insurance policy is administered by Carpenters Solicitors. Carpenters Solicitors are authorised and regulated by the Financial Conduct Authority (FCA) under firm reference number 589305. You may check this on the Financial Services Register by visiting the FCA s website, www.fca.org/register or by contacting the FCA on 0800 111 6768. All correspondence relating to any claim under this policy should be addressed to Carpenters Solicitors, Leonard House, Scotts Quays, Birkenhead, CH41 1FB. Optional Extras Policy Wording 07

Legal Protection Policy Wording Section 1 Definitions Each of the words or phrases listed below will have the same meaning wherever they appear in bold in this policy:- Administrator: Carpenters Solicitors, Leonard House, Scotts Quays, Birkenhead, CH41 1FB. Appointed Solicitor: D B Legal Ltd, Chester House, Harlands Road, Haywards Heath, West Sussex, RH16 1LR or Carpenters Solicitors, Leonard House, Scotts Quays, Birkenhead, CH41 1FB or any other appropriately qualified lawyer, legal representative or specialist consultant appointed by the underwriters to act on behalf of the insured person. Defendant: The person, company or partnership that the insured person alleges is responsible for the insured Incident. Insurance intermediary: The intermediary acting on your behalf as your agent who arranged the underlying policy of motor insurance taken out by you. Insured, You, Your: The person to whom this insurance has been issued and who has paid or promised to pay the premium. For this Legal Protection Insurance Policy to be valid you must be named as the policyholder on the underlying policy of motor insurance. Insured Incident: Any road traffic accident (excluding claims for theft or fire) which results in damage to the Insured Vehicle or damage to any personal property owned by an insured person whilst in or on the insured vehicle or any injury to or death of an insured person whilst in on or mounting onto or dismounting from the insured vehicle. Insured Person: The insured, any authorised driver included to drive under the terms and conditions of the underlying policy of motor insurance or a passenger carried in the insured vehicle. Insured Vehicle: The motorcar, motorcycle or commercial vehicle specified in the underlying policy of motor insurance taken out by you and any replacement vehicle the underwriters arrange for you whilst the insured vehicle is being repaired after you have claimed under this policy. Any other vehicle which the certificate of motor insurance issued in connection with the underlying policy of motor insurance allows you to use in the United Kingdom. Any trailer owned by you whether attached to or detached from the insured vehicle. Legal Costs and Expenses: Reasonable legal fees and other expenses charged to you by the appointed solicitor (with the prior agreement of the underwriters) for any legal proceedings. Also costs which a civil court has ordered you to pay or to which the underwriters have agreed. Legal proceedings: Civil proceedings arising out of a road traffic accident. Limit of Indemnity: The maximum sum that the underwriters will pay in aggregate in respect of all legal costs and expenses incurred by the appointed solicitor or the defendant in relation to the prosecution of a claim which is covered by this insurance. Subject always to a maximum indemnity of 100,000. Period of Insurance: The period commencing from when the insured pays or promises to pay the premium to the insurance intermediary, to the expiry date of the underlying policy of motor insurance in force in respect of the Insured Vehicle which in no circumstances will exceed 12 months. Prospects of Success: Reasonable prospects considered as a 51% or better chance of success. Territorial Limits: The United Kingdom, the Channel Islands, the Isle of Man and provided that the Insured has complied with the requirements for extending full policy cover abroad under the underlying policy of motor insurance, any member country of the EU, Andorra, Gibraltar, Iceland, Liechtenstein, Monaco, Norway, San Marino and Switzerland. Underlying Policy of Motor Insurance: The separate motor insurance policy in your name covering the insured vehicle. Cover is only effective under this legal expenses insurance policy whilst the underlying policy of motor insurance remains in force. Underwriters: Markerstudy Insurance Company Limited. 08 Optional Extras Policy Wording

Legal Protection Policy Wording Section 1 Uninsured losses: Expenses or compensation claims (or both) which are not covered by your underlying policy of motor insurance but for which you have a claim at law against the responsible party. What is covered 1. Uninsured Loss recovery In the event that you make a claim under your underlying policy of motor insurance in respect of an insured incident in which an insured person is involved and the insured incident is one for which the insured person is not at fault, the underwriters will instruct the appointed solicitor to try to recover your uninsured losses (including the legal costs and expenses incurred by you in claiming those losses). This Motor Legal Expenses Insurance Policy will only apply provided the underwriters and the appointed solicitor are of the view that the prospects of success are sufficiently strong to justify pursuing your claim for uninsured losses against a defendant. If the underwriters have paid for any legal costs and expenses and you are later awarded repayment of costs in any claim, the underwriters will be entitled to reimbursement of those costs. The underwriters will instruct the appointed solicitor in accordance with their standard terms of appointment to act in your name and for your benefit. The most the underwriters will pay for legal costs and expenses for all claims that arise from the same insured incident is the limit of indemnity applying to this policy. 2. Access to our 24 hour Motor Legal Helpline The motor legal helpline is provided on behalf of the underwriters by Carpenters Solicitors and is available 24 hours a day to assist with queries in relation to the use of the Insured Vehicle by an insured person. You should call 0161 444 1930 where the solicitor s representative will assist where possible, and arrange a call back from an appropriate legal advisor within two working days of your telephone call where required. The motor legal helpline will provide preliminary advice and guidance. It will not undertake any communication or correspondence on your/the insured person s behalf, provide written advice, or provide any formal legal advice or representation. 3. Motor Prosecution Defence Where you or the insured person do not have cover under any other policy including your underlying policy of motor insurance, Carpenters Solicitors will defend a motor prosecution on behalf of you or the insured person where there is a reasonable prospect of acquittal, or in circumstances in which if convicted you or the insured person would face a mandatory driving disqualification. Cover under this insurance is subject to: a)you having paid or promised to pay the premium; b) The insured Incident having taken place within the territorial limits and within the period of insurance; c)you and the insured person having complied with all of the terms and conditions of this policy. General Conditions 1. Control of claims The underwriters and the appointed solicitor will have control of any claim. You and/or an insured person must; a) keep the underwriters informed via the administrator of any developments relating to any claim as soon as possible after you and/or the insured person find out about them; and b) follow the advice, given to you by the underwriters and/or the appointed solicitor; and c) not start, defend, stop or withdraw from legal proceedings without the agreement of the underwriters and/or the appointed solicitor; and d) give the underwriters and/or the appointed solicitor information and instructions as requested. The underwriters will have direct access to the appointed solicitor at all times. The underwriters have the right to see any information, documents or evidence that is in Optional Extras Policy Wording 09

Legal Protection Policy Wording Section 1 your possession or is in the possession of an insured person or is in the possession of the appointed solicitor. If in any legal proceedings the claim is not successful and you and/or the insured person want to appeal, you must write and tell the underwriters and the appointed solicitor no later than 14 days before the time for making an appeal ends or as soon as possible if the time period during which you may make an appeal is 14 days or less. The underwriters will cover your and/or the insured person s legal costs and expenses for the appeal if the underwriters and the appointed solicitor agree that there are reasonable prospects of success in pursuing the appeal. The underwriters can take over conduct of any claim at any time in the name of an insured person. The underwriters can issue legal proceedings for the underwriters benefit in the name of an insured person to recover any payments that have been made under this insurance. 2. Claims Procedures You and/or the Insured Person must: a) report all claims to the underwriters via the administrator as soon as is reasonably possible but at the very latest within 30 days of the happening of an insured incident; and b) take all reasonable steps to minimize the amount of any claim to be pursued against the defendant; and c) cooperate with the underwriters at all times, supply any information required and forward unanswered all communications received in connection with an insured incident; and d) cooperate fully with the underwriters to assist in the recovery of legal costs and expenses that they have had to pay on your behalf and that have been reasonably incurred in connection with the pursuit of the claim. Please see the contact details for reporting a claim on page 13 of this policy. 3. Reasonable Prospects of Success The appointed solicitors will try to recover your and/or the insured person s uninsured losses and the underwriters will pay your and/or the insured person s legal costs and expenses provided the underwriters and the appointed solicitor are of the view that it is more likely than not that the claim or the legal proceedings will mean you and/or the insured person will receive money by way of compensation. If at any time the underwriters or the appointed solicitor think that either: a) the claim or the legal proceedings do not have reasonable prospects of success; or b) the legal costs and expenses involved in recovering your and/or the insured person s uninsured losses are not reasonably commensurate with the likely return. the underwriters will confirm this in writing to you and/or the insured person. The underwriters will tell you and/or the insured person that they will not take any more action or pay any more legal costs and expenses, without their written agreement, from 28 days after you and/or the insured person receive the notice. In this event you and/or the insured person have a right to continue the claim or legal proceedings but this will be at your own/the insured person s expense. 4. Representation When you and/or the insured person have told the underwriters about a claim they may investigate the claim and attempt to achieve a fair settlement, using the appointed solicitor if they think it is necessary. Use of the appointed solicitor will be in accordance with the underwriters standard terms and conditions. The appointed solicitor will act in your name and/or the name of the insured person for the benefit of you and/or the insured person. Alternatively, you and/or the insured person may nominate a solicitor of your own choice. This person must be an appropriately qualified lawyer, legal representative or specialist consultant and: 10 Optional Extras Policy Wording

Legal Protection Policy Wording Section 1 he/she must submit full details of his/her experience and expertise to the underwriters; and he/she must agree to work in accordance with the underwriters standard terms and conditions for solicitors before the underwriters can agree to his/her involvement in the claim and accept such person as the appointed solicitor under this policy. In the event that the underwriters cannot agree such nomination the underwriters, you and/or the insured person will have the right to refer the matter for arbitration as set out in condition 9 of this insurance. The underwriters will not be responsible for any legal costs and expenses if you appoint a solicitor without the underwriters agreement. 5. Legal costs and expenses The maximum amount the underwriters will pay in respect of legal costs and expenses will be an amount calculated under the same principles that are applied by the courts when assessing costs to be paid by one person to another on the standard basis. In assessing these costs the principles to be used are those defined in England and Wales under Order 62 of the Rules of the Supreme Court (from time to time), under Order 38 of the County Courts Act 1984 and under the Civil Procedures Rules 1998. You, the insured person or the appointed solicitor must send all accounts for legal costs and expenses to the underwriters as soon as possible after they are received. The underwriters may ask the appointed solicitor to have the legal costs and expenses assessed (detailed or summary), taxed or audited. The legal costs and expenses that the underwriters will pay will not be affected by any agreement, or promise made by you or the insured person to any solicitor or other person unless the underwriters have approved it in writing. 6. Settlement offers You and/or the insured person must not accept any offer of payment or enter into settlement negotiations without the express agreement of the administrator or the underwriters. You and/or the insured person must tell the underwriters as soon as possible of any offer to settle the claim (this includes any payment into court). You and/or an insured person or your/his/her solicitor must not accept or make any offer to settle the claim if this would mean the underwriters have to pay legal costs and expenses, unless you and/or the insured person have the agreement of the underwriters. The underwriters will not withhold agreement unreasonably. If either the underwriters or the appointed solicitor are of the view that any offer to settle the claim should be accepted, but you and/or the insured person do not accept such offer and the amount of the offer is equal to or greater than the total damages which you and/ or the insured person is eventually awarded, the underwriters will not pay for any further legal expenses from the date of the offer. 7. Options to pay The underwriters may decide to pay your and/ or the insured person s claim for compensation instead of continuing to pursue the claim against the defendant or to pursue legal proceedings. 8. Conflict of interest If at any time during the course of the claim, the underwriters become aware of any possible conflict of interest, the underwriters will tell you and/or the insured person about it in writing and engage an alternative appointed solicitor on your behalf. 9. Arbitration You and/or an insured person have the right to refer any disagreement you, he or she have with the underwriters to arbitration. The underwriters also have the same right. The arbitrator will be a solicitor or barrister the underwriters and the insured person agree on. If the underwriters and the insured person cannot agree, the President of a suitable organisation will be asked to choose one. Whoever loses the arbitration will pay all the costs and expenses of the arbitration. If the arbitrator decides in the underwriter s favour, the insured person cannot recover the costs of the arbitration under this section. The underwriters will write to the insured person Optional Extras Policy Wording 11

Legal Protection Policy Wording Section 1 telling him/her of this right if there is disagreement about anything. The insured person must write and tell the underwriters if he/she wants to take up this option. Using the arbitration procedure does not prevent the insured person from referring the matter to the Financial Ombudsman Service or the right to appeal against the arbitrator s decision in a court of law. 10. Cancellation This insurance provides you with a reflection period to enable you to decide whether you wish to continue with the full policy. The reflection period is for 14 days from the date that you receive your policy documentation. If a period of less than 14 days has elapsed since you received your policy documentation and you have not made a claim you have the right to cancel the policy and receive a full refund of premium. You must write to your insurance intermediary within the 14 day period before the underwriters can proceed with the cancellation on this basis. You may cancel this policy at any time by writing to your insurance intermediary. Outside of the 14 day reflection period there will be no refund of premium allowable if you cancel your insurance. The underwriters or your insurance intermediary may cancel this policy if by sending you a letter giving you 7 days notice to your last known address. The underwriters will then refund the appropriate proportion of the premium. 11. Your obligations a)you and/or all insured persons must adhere to the terms and conditions of this insurance at all times; b) It is a condition of this insurance and the underlying policy of motor insurance that you have taken all reasonable care to answer all questions asked honestly, accurately and to the best of your knowledge and that any other information given either verbally or in writing by you or on your behalf at the time you applied for insurance is also complete and has been given honestly and to the best of your knowledge and belief; c) If you or any insured person make any claim under this policy which is fraudulent or false or misleading or where there is collusion between you and/or the insured person and the defendant or any witnesses this policy shall be declared void. General Exceptions What is not covered This insurance does not cover the following: 1. Any claim if you tell the underwriters about the insured incident more than 30 days after it happened; 2. Any claim if the insured incident happened before cover under this policy started; 3. Any legal costs and expenses incurred by you before the underwriters instruct an appointed solicitor to act for you and/or the insured person; 4. Any legal costs and expenses charged as a result of your conduct and/or that of an insured person which may reasonably be considered to hinder the claim; 5. Any legal costs and expenses if you and/ or the insured person withdraw from the legal proceedings without the underwriters agreement. In these circumstances the underwriters will be entitled to a refund of any money that has been paid; 6. Any expenses for an expert witness, unless the underwriters have given written approval. 7. Any uninsured losses or legal costs and expenses which you can claim under another insurance policy or which you could have claimed if you had kept to the terms of that policy; 8. Any claim arising from a deliberate or malicious act; 9. Any claim for any legal costs and expenses relating to any other person or organisation bringing a claim or counterclaim against you; 10. Legal costs and expenses you can recover from any other person; 11. Legal costs and expenses if the claim will be decided in a court outside of the territorial limits of this policy; 12 Optional Extras Policy Wording

Legal Protection Policy Wording Section 1 12. Any claims arising out of any deliberate criminal act or omission or fines and penalties imposed by a criminal court; 13. Any claims where the defendant cannot be traced or does not hold valid motor insurance; 14. Any claims made or legal proceedings between the insured and insured persons; 15. Legal costs and expenses arising from disputes between you or the insured person and the administrators; 16. Legal costs and expenses arising from disputes between you or the insured person and the underwriters; 17. Any claim arising out of a contract you and/or the insured person has with another person or organisation; 18. Any VAT you and/or the insured person can recover from elsewhere; 19. Any claim where you do not have a valid underlying policy of motor insurance or where the insured incident is not covered by your underlying policy of motor insurance; 20. Any claim where the insured vehicle does not have a valid MOT certificate or you or an insured person who is driving do not have a valid driving licence entitling you to drive the insured vehicle. 21. Any claims resulting from the use of the insured vehicle for motor racing rallies speed trials or competitions of any kind. Reporting a Claim If you wish to make a claim, you should contact the administrator or insurance intermediary who arranged cover for you. You can telephone the administrator on 0800 783 3000. Complaints Procedure What to do if you have a complaint We are dedicated to delivering a first class level of service to all of our policyholders. However, we accept that things can occasionally go wrong and would rather be told about any concerns you have so that we can take steps to make sure the service you receive meets your expectations in the future. If a dispute regarding your policy or claim arises and cannot be resolved by reference to your insurance intermediary the following explains the procedures for resolving your complaint: The resolution of complaints in relation to your policy (or any claim made under it) is delegated to our service providers in the United Kingdom, Markerstudy Limited. If you have a complaint, please contact our service providers at the address below: Markerstudy Customer Relations Markerstudy Limited PO Box 727, Chesterfield, S40 9LH Tel: 0844 874 0633 Email: complaints@markerstudy.com When contacting Markerstudy Limited please provide: A policy number and/or claim number; An outline of your complaint; A contact telephone number. Our service providers will make every effort to resolve your complaint immediately. If they cannot resolve your complaint by the end of the next working day they will acknowledge your complaint within five working days of receipt and do their best to resolve the problem within four weeks by sending you a final response letter. If they are unable to do so, they will write to advise you of progress and will endeavour to resolve your complaint in full within the following four weeks. If they are still unable to provide you with a final response at this stage, they will write to you explaining why and advise when you can expect a final response. At this point you may refer your complaint to The Financial Ombudsman Service at the following address: Optional Extras Policy Wording 13

Legal Protection Policy Wording Section 1 The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, Docklands, London E14 9SR. You have the right of referral within 6 months of the date of your final response letter. Whilst we and our UK service providers are bound by the decision of the Financial Ombudsman Service, you are not. Following the complaints procedure above does not affect your right to take legal action. Carpenters Solicitors, Leonard House, Scotts Quays, Birkenhead, CH41 1FB. Carpenters Solicitors are authorised and regulated by the Financial Conduct Authority (FCA) under firm reference number 589305. You may check this on the Financial Services Register by visiting the FCA s website, www.fca.org/register or by contacting the FCA on 0800 111 6768. This Legal Protection Insurance Policy is underwritten by Markerstudy Insurance Company Limited, 846-848 Europort, Gibraltar www.markerstudy.com Markerstudy Insurance Company Limited is regulated by the Gibraltar Financial Services Commission and subject to a limited regulation by the Financial Conduct Authority in respect of underwriting insurance business in the UK (Number 206322). 14 Optional Extras Policy Wording

Section 2 Section 2 Breakdown Cover Optional Extras Policy Wording 15

Breakdown Cover Breakdown Cover Key Facts The following summary for Breakdown Cover does not contain the full terms and conditions of your breakdown policy contract. For a full explanation of the terms and conditions, please refer to the main Policy Wording. How to make a claim If your vehicle breaks down please call our 24 hour Control Centre on 0844 809 9508. If you are unable to make a connection, please contact us on 01206 771778. Please have your return telephone number, policy number, vehicle registration number and precise location available when requesting assistance. For assistance in mainland Europe please call 0044 1206 771778. Please check your Optional Extras Policy Schedule to make sure you have purchased this cover before calling. If your vehicle suffers a breakdown due to an electrical or mechanical failure, lack of fuel, flat battery, misfuel, or puncture, service will be provided. We will provide cover as detailed within the Policy Wording for any breakdown. Cover will apply during the period of insurance and within the territorial limits. Features & Benefits Roadside Assistance and Nationwide Cover Summary: Roadside/ Recovery Alternative Travel Emergency Overnight Accommodation Message Service Caravans & Trailers Keys Additional Notes (Please see policy terms & conditions for full details of the below) In the event of a breakdown which occurs within the UK and more than a one-mile radius from your home address, we will arrange and pay for a recovery operator to attend your vehicle. If the recovery operator is unable to repair your vehicle at the roadside and the vehicle cannot be repaired the same working day by a local garage, we will arrange and pay for your vehicle, you, and your passengers to be recovered to your home address or if you would prefer and it is closer, your original destination within the UK. We will pay up to 250 (maximum) towards the cost of alternative transport or car hire. We will also pay up to 100 towards reasonable transport costs to collect the repaired vehicle. We will pay a maximum of 150 for a lone traveller or 75 per person for one night for you and your passengers. The maximum payment per incident is 500. If you require, we will pass on two messages to your home or place of work to let them know of your predicament and ease your worry. Maximum length 7 metres/23 feet (not including the length of the A-frame and hitch) recovered with the vehicle if the vehicle cannot be repaired roadside. Callout and mileage back to the recovery operator s base. All other costs incurred will be at your expense. 16 Optional Extras Policy Wording

Breakdown Cover Available For an Additional Premium Roadside and Recovery and Home Assist Summary: Roadside/ Recovery/Home Roadside and Recovery and Home Assist and European Cover Summary: Roadside/ Recovery/Home/ Europe Roadside and Recovery and Home Assist must be indicated on the policy schedule. In addition to the cover provided with Roadside Assistance and Nationwide Cover, your vehicle will be covered at your registered home address or within a one-mile radius of your home address. Roadside and Recovery and Home Assist and European Cover must be indicated on the policy schedule. In addition to the cover provided with Roadside and Recovery and Home Assist, your vehicle will also be covered in the following territories: Albania, Andorra, Austria, Balearics, Belarus, Belgium, Bosnia and Herzegovina, Bulgaria, Canary Isles, Corsica, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Guernsey (for non-residents), Hungary, Italy, Jersey (for non-residents), Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Malta, Moldova, Monaco, Montenegro, Morocco, Netherlands, Norway, Poland, Portugal, Republic of Ireland, Romania, San Marino, Sardinia, Serbia, Sicily, Slovak Republic, Slovenia, Spain, Sweden, Switzerland, Turkey (West of Bosphorus) and Vatican City. If you break down on a European Motorway or major public road where private contractors are dispatched to assist you, we will pay a maximum of 150 towards the reimbursement of your costs. Please refer to the General Notes Relating to Europe in your Policy Wording. Optional Extras Policy Wording 17

Breakdown Cover Significant Exclusions (For a full list of exclusions, please refer to the policy terms and conditions) Exclusion number in policy wording: Assistance following an accident, theft, fire or vandalism 2 Costs incurred in addition to a standard callout where service cannot be undertaken at the roadside because the vehicle is not carrying a serviceable spare wheel it is capable of carrying, an aerosol repair kit, appropriate jack, or the locking mechanisms for the wheels are not immediately available to remove the wheels. This exclusion does not apply to motorcycles or scooters. 6 The recovery of the vehicle and passengers if repairs can be carried out at or near the scene of the breakdown within the same working day. If recovery takes effect we will only recover to one address in respect of any one breakdown. Any request for service if the vehicle is being used for motor racing, rallies, rental, hire, courier services or any contest or speed trial or practice for any of these activities. 10 12 The cost of any parts, components or materials used to repair the vehicle. 15 The use of specialist equipment occasionally required because the vehicle is not between the kerbs, it has modifications, or nearby obstructions are impeding the usual method of recovery. 17 Any claim within 24 hours of the time the policy is purchased. 20 Any breakdown that occurred before the policy commenced, the vehicle was placed on cover, or before the policy was upgraded. 21 Claims totalling more than 15,000 in any one period of insurance. 22 Any damage or loss to Your Vehicle or its contents and any injury to You or any third party caused by Us or the Recovery Operator. It is Your responsibility to ensure personal possessions are removed from the Vehicle prior to Your Vehicle being recovered. 34 18 Optional Extras Policy Wording

Breakdown Cover Your Right to Cancel This policy has a cooling off period of 14 days from the date you receive this information or the policy start date, whichever happens last.. If you do not wish to continue with the insurance, we will provide a refund of premium paid, providing no claim has been made. You may cancel your policy after the 14 day cooling off period but no refund of premium is available. A refund of premium is not available if the Period of Insurance of the policy is for a period of less than one month. Please call 0844 800 8002 to discuss. Policy Duration This Policy does not exceed 12 months unless otherwise stated in the policy terms and conditions. Choice of Law This contract is governed by the laws of England and Wales and all communication will be conducted in English. What to Do if You Have a Complaint Any complaint you have regarding your policy should be addressed to the policy administrator: Customer Services, Call Assist Limited, Axis Court, North Station Road, Colchester, Essex CO1 1UX. If you remain dissatisfied, short of court action, you can ask The Financial Ombudsman Service to review your case provided the policy is not of commercial nature. The right to apply to the Ombudsman must be exercised within six months of the date of the Company s final decision. The Financial Ombudsman Service can be contacted at the following address: The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR. Or by telephoning: 0800 023 4567 (free from a landline) or 0300 123 9 123 (free from some mobiles). Are we covered by the Financial Services Compensation Scheme (FSCS)? 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. For claims against the insurers, 90% of the insurance claim is covered, with no upper limit. For compulsory classes of insurance, insurance arranging is covered for 100% of the claim, without any upper limit. Further information about the compensation scheme arrangements is available from the FSCS by telephoning 0800 678 1100 or by visiting www.fscs.org.uk. Service Provider and Insurer This service is provided by Call Assist Limited. Registered in England and Wales. Registered Company Number: 3668383. Registered office address: Axis Court, North Station Road, Colchester, Essex, CO1 1UX. The policy is underwritten by DAS Legal Expenses Insurance Company Limited. Registered in England and Wales. Registered Company Number: 103274. Registered office address: DAS House, Quay Side, Temple Back, Bristol, BS1 6NH. Call Assist Ltd, Firm Reference Number 304838 is authorised and regulated by the Financial Conduct Authority. DAS Legal Expenses Insurance Company Limited, Firm Reference Number 202106 is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Optional Extras Policy Wording 19

Breakdown Cover Policy Wording Section 2 Breakdown Cover Policy Wording Please check Your Policy Schedule to ensure You have the level of cover You need and read the following to help You use the service. What to do if You Breakdown If Your Vehicle breaks down please call Our 24 hour Control Centre on: 0844 809 9508 If You are unable to make a connection, please contact Us on 01206 771778. Please check your Optional Extras Policy Schedule to make sure you have purchased this cover before calling. Please have the following information ready to give to Our Rescue Controller who will use this to validate Your policy: Your return telephone number with area code; Your Vehicle registration; The precise location of Your Vehicle (or as accurate as You are able in the circumstances). We will take Your details and ask You to remain by the telephone You are calling from. Once We have made all the arrangements We will contact You to advise who will be coming out to You and how long they are expected to take. Your mobile phone must therefore be switched on and available to take calls at all times. You will then be asked to return to Your Vehicle. Please remember to guard Your safety at all times but remain with or nearby Your Vehicle until the Recovery Operator arrives. Once the Recovery Operator arrives at the scene please be guided by their safety advice. If You are broken down on a motorway and have no means of contacting Us or are unaware of Your location, please use the nearest SOS box and advise the Emergency Services of Our telephone number, they will then contact Us to arrange assistance. If the Police or Highways Agency are present at the scene please advise them that You have contacted Us or give them Our telephone number to call Us on Your behalf. Your Cover As shown on Your Policy Schedule. In the event of a Breakdown, service will be provided as detailed below in accordance with this Policy Wording and the cover level You have purchased. Cover will apply during the Period of Insurance. Roadside Assistance and Nationwide Recovery Cover UK The following service is provided with all levels of cover: Roadside Assistance & Recovery In the event of a Breakdown within the Territorial Limits (UK) which occurs more than a one-mile radius/straight line from Your Home Address, We will send help to the scene of the Breakdown and arrange and pay Callout fees and mileage charges needed to repair or assist with the Vehicle. If, in the opinion of the Recovery Operator, they are unable to repair the Vehicle at the roadside We will assist in the following way: Either: Arrange and pay for Your Vehicle, You and Your Passengers to be recovered to the nearest garage which is able to undertake the repair. Or: If the above is not possible at the time or the repair cannot be made within the same working day, We will arrange for Your Vehicle, You and Your Passengers to be recovered to Your Home Address, or if You would prefer and it is closer, Your original destination within the Territorial Limits (UK). Any recovery must take place at the same time as the initial Callout otherwise You will have to pay for subsequent Callout charges. If Your Vehicle requires recovery, You must immediately inform Our Rescue Controller of the address You would like the Vehicle taken to. Once the Vehicle has been delivered to the nominated address, the Vehicle will be left at Your own risk. 20 Optional Extras Policy Wording

Breakdown Cover Policy Wording Section 2 Alternative Transport* We will pay up to 250 (up to 750 in the Territorial Limits (Europe)) towards the reasonable cost of alternative transport or vehicle hire. We will also pay up to 100 towards the reasonable cost of alternative transport for one person to return and collect the repaired Vehicle. Emergency Overnight Accommodation* We will pay a maximum of 150 for a lone traveller or 75 per Passenger when not travelling alone for one night on a bed and breakfast basis. The maximum payment per incident is 500. Emergency Overnight Accommodation and Alternative Transport benefits are available under the following conditions: The Vehicle must be repaired at the nearest suitable garage to the Breakdown location; The Vehicle cannot be repaired the same working day; The Breakdown did not occur within 20 miles of Your Home Address; We will determine which benefit is offered to You by assessing the circumstances of the Breakdown and what is the most cost effective option for Us. Caravans and Trailers In the event of a Breakdown to Your Vehicle and Your caravan/trailer is attached, providing the caravan/trailer is fitted with a standard towing hitch and does not exceed 7 metres/23 feet in length (not including the length of the A-frame and hitch), Your caravan/trailer will be recovered with Your Vehicle at no extra cost. Keys If You lose, break, or lock Your Vehicle keys within Your Vehicle, We will pay the Callout and mileage charges back to the Recovery Operator s base or Your preferred destination if closer. All other costs incurred, including any Specialist Equipment needed to move the Vehicle, will be at Your expense. Message Service If You require, We will pass on two messages to Your home or place of work to let them know of Your predicament and ease Your worry. Roadside and Recovery Home Assist Cover UK If You have purchased Roadside and Recovery Home Assist Cover it includes the same benefits as Roadside Assistance and Nationwide Recovery Cover, with the addition of Home Assist. Home Assist We will send help to Your Home Address or within a one-mile radius/straight line of Your Home Address in the event of a Breakdown to Your Vehicle. If, in the opinion of the Recovery Operator, they are unable to repair Your Vehicle at the roadside, We will arrange and pay for Your Vehicle, You and Your Passengers to be recovered to the nearest garage which is able to undertake the repair. Any recovery must take place at the same time as the initial Callout otherwise You will have to pay for subsequent Callout charges. If Your Vehicle requires recovery, You must immediately inform Our Rescue Controller of the address You would like the Vehicle taken to. Once the Vehicle has been delivered to the nominated address, the Vehicle will be left at Your own risk. * These services will be offered on a pay/claim basis, which means that You must pay initially and We will send You a claim form to complete and return for reimbursement. Before arranging these services, authorisation must be obtained from Our Rescue Controller. The policy will only pay for a hire vehicle which we deem is appropriate for Your requirements and is available at the time assistance is provided. We will only reimburse claims when We are in receipt of a valid invoice or receipt. Optional Extras Policy Wording 21

Breakdown Cover Policy Wording Section 2 Roadside and Recovery Home Assist and European Cover European If You have purchased Roadside and Recovery Home Assist and European Cover it includes the same benefits as Roadside and Recovery Home Assist Cover with the addition of assistance within the Territorial Limits (Europe). We will provide service in the Territorial Limits (Europe) where the maximum Duration of any single trip does not exceed 90 days. However short term policies (those with a Period of Insurance lasting one month or less) will be limited to a single trip not exceeding the Period of Insurance. Please ensure You carry Your V5C registration document with You during Your journey. Due to local regulations and customs, You may be required to provide copies of Your V5C registration document. You will be held liable for any costs incurred if copies of Your V5C registration document are not immediately available. Regulations are different when You Breakdown in Europe and help may take longer in arriving. We will require detailed information from You regarding the location of Your Vehicle. We will need to know if You are on an outward or inward journey and details of Your booking arrangements. When We have all the required information We will liaise with Our European network. You will be kept updated and therefore, You will be asked to remain at the telephone number You called from. For assistance in Europe, call Us on: 00 44 1206 771778 We will send help to the scene of the Breakdown and arrange to pay Callout fees and mileage charges needed to repair or assist with the Vehicle. If, in the opinion of the Recovery Operator, they are unable to repair the Vehicle at the roadside We will assist in the following way: Arrange and pay for Your Vehicle, You and Your Passengers to be recovered to the nearest garage able to undertake the repair; If the Vehicle cannot be repaired within 48 hours or by Your intended return, whichever is the later, We will arrange for Your Vehicle, You and Your Passengers to be transported either to Your Home Address, or if You would prefer and it is closer, Your original destination within the Territorial Limits (Europe). General Notes Relating to Europe In the event of a Breakdown which occurs on a European motorway or major public road, We are sometimes unable to assist You and You may need to obtain assistance via the SOS phones. The local services will tow You to a place of safety and You will be required to pay for the service immediately. You can then contact Us for further assistance. We will pay a maximum of 150.00 towards reimbursement of the costs, but We will only reimburse claims when We are in receipt of a valid invoice/ receipt. Payment will be made in accordance with the exchange rate on the date of the claim. In the event of a Breakdown in a European Country during a Public Holiday, many services will be closed during the Holiday period. In these circumstances, You must allow Us time to assist You and effect a repair to Your Vehicle. We will not be held liable for any delays in reaching Your destination. General Notes Uninsured Service We can provide assistance for faults that are not covered under this insurance policy. All costs (including an administration fee) must be paid for immediately by credit or debit card. Change of Vehicle Our policy only covers the Vehicle registered on Our database, therefore any change must be notified immediately by calling 0844 800 8002. Please have ready Your policy number, the new registration, make, model and colour of Your Vehicle and the date You wish to make the change. If You do not notify Us of the new Vehicle details, We may not be able to supply You with a service. Governing Law English Law governs this insurance. Language We have chosen to use the English language in all documents and communication relating to this policy. 22 Optional Extras Policy Wording

Breakdown Cover Policy Wording Section 2 Measurements A Home Assist is calculated using a straight line from the Home Address to the location of the Breakdown. All other measurements are calculated using driving distances. Garage Repairs Any repairs undertaken by the Recovery Operators at their premises are provided under a separate contract, which is between You and the Recovery Operator. Multiple Vehicle Policies Multiple Vehicle policies must be registered to one address within the Territorial Limits (UK). Definitions Accident: A collision immediately rendering the Vehicle immobile or unsafe to drive. Breakdown: An electrical or mechanical failure, lack of fuel, flat battery, misfuel, or puncture to the Vehicle, which immediately renders the Vehicle immobilised. Callout: The deployment of a Recovery Operator to Your Vehicle. Duration: Commences from the date of Your departure from the Territorial Limits (UK) and ceases upon Your return to the Territorial Limits (UK) for a period not exceeding 90 days. Home Address: The last known address recorded on Our system where Your Vehicle is ordinarily kept. Home Assist: Assistance within a one-mile radius of Your Home Address. Passengers: All non-fare paying persons travelling legally and safely in/on Your Vehicle at the time of the Breakdown. Period of Insurance: The duration of this policy as indicated on Your Policy Schedule for a period not exceeding twelve months. Recovery Operator: The independent technician Call Assist appoints to attend Your Breakdown. Rescue Controller: The telephone Operator employed by Call Assist Ltd. Specialist Equipment: Non-standard apparatus or recovery vehicles which in the opinion of the Recovery Operator are required to recover the Vehicle. Specialist Equipment includes but is not limited to winching, skates, sliders, dolly wheels, donor wheels and a crane lift. Suitable Garage: Any appropriately qualified mechanic or garage which is suitable for the type of repair required and where the remedial work undertaken can be evidenced in writing. Territorial Limits (Europe): Albania, Andorra, Austria, Balearics, Belarus, Belgium, Bosnia and Herzegovina, Bulgaria, Canary Isles, Corsica, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Guernsey (for non-residents), Hungary, Italy, Jersey (for non-residents), Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Malta, Moldova, Monaco, Montenegro, Morocco, Netherlands, Norway, Poland, Portugal, Republic of Ireland, Romania, San Marino, Sardinia, Serbia, Sicily, Slovak Republic, Slovenia, Spain, Sweden, Switzerland, Turkey (West of Bosphorus) and Vatican City. Territorial Limits (UK): Great Britain and Northern Ireland, the Isle of Man, and (for residents only) Jersey and Guernsey. Us, We, Our: Call Assist Ltd. Vehicle: The vehicle(s) registered with Call Assist Ltd and shown on Your Policy Schedule. You, Your: The person named as the insured on Your Policy Schedule. Exclusions Applying to all sections unless otherwise stated. This insurance does not cover the following: 1. a) Any caravan/trailer where the total length exceeds 7 metres/23 feet (not including the length of the A-frame and hitch) and where it is not attached to the Vehicle with a standard towing hitch; b) Breakdowns or Accidents to the caravan or trailer itself. 2. Assistance following an Accident, theft, fire, or vandalism. 3. Service where glass or windscreens have been damaged. 4. Vehicles that are not secure or have faults with electric windows, sun roofs or locks not working, unless the fault occurs during the course of a journey and Your safety is compromised. Optional Extras Policy Wording 23

Breakdown Cover Policy Wording Section 2 5. Breakdowns caused by failure to maintain the Vehicle in a roadworthy condition including maintenance or proper levels of oil and water. 6. Costs incurred in addition to a standard Callout where service cannot be undertaken at the roadside because the Vehicle is not carrying a serviceable spare wheel it is capable of carrying, an aerosol repair kit, appropriate jack, or the locking mechanisms for the wheels are not immediately available to remove the wheels. This exclusion does not apply to motorcycles or scooters. 7. Specialist Equipment, additional manpower and/or recovery vehicles, or a recovery further than 10 miles from the scene of the Breakdown if Your Vehicle is immobilised due to snow, mud, sand, water, ice, or a flood. 8. Overloading of the Vehicle or carrying more passengers than it is designed to carry. 9. Any subsequent Callouts for any symptoms related to a claim which has been made within the last 28 days, unless Your Vehicle has been fully repaired at a Suitable Garage, declared fit to drive by the Recovery Operator or is in transit to a pre-booked appointment at a Suitable Garage. 10. The recovery of the Vehicle and Passengers if repairs can be carried out at or near the scene of the Breakdown within the same working day. If recovery takes effect We will only recover to one address in respect of any one Breakdown. 11. Any Vehicle which is not listed on Your Policy Schedule as being eligible for Breakdown cover with Us. 12. Any request for service if the Vehicle is being used for motor racing, rallies, rental, hire, courier services or any contest or speed trial or practice for any of these activities. 13. Any Vehicle used for public or private hire unless (Taxi/Private Hire) is indicated on the Policy Schedule. 14. Assistance if the Vehicle is deemed to be illegal, untaxed, uninsured, unroadworthy or dangerous to transport. 15. The cost of any parts, components or materials used to repair the Vehicle. 16. Repair and labour costs other than an hour's roadside labour at the scene. 17. The use of Specialist Equipment occasionally required because the Vehicle is not between the kerbs, it has modifications, or nearby obstructions are impeding the usual method of recovery. 18. The cost of draining or removing contaminated fuel. 19. Storage charges. 20. Any claim within 24 hours of the time the policy is purchased. 21. Any Breakdown that occurred before the policy commenced, the Vehicle was placed on cover, or before the policy was upgraded. 22. Claims totalling more than 15,000 in any one Period of Insurance. 23. Any costs or expenses not authorised by Our Rescue Controllers. 24. The cost of food (other than breakfast when overnight accommodation is provided), drink, telephone calls or other incidentals. 5. Claims not notified and authorised prior to expenses being incurred. 26. The charges of any other company (including Police recovery) other than the Recovery Operator, a car hire agency or accommodation charges which have been authorised by Us. 27. Any charges where You, having contacted Us, effect recovery or repairs by other means unless We have agreed to reimburse You. 8. Any cost that would have been incurred if no claim had arisen. 29. Any false or fraudulent claims. 30. The cost of alternative transport other than to Your destination and a return trip to collect Your repaired Vehicle. 31. The cost of fuel, oil or insurance for a hire Vehicle. 24 Optional Extras Policy Wording

Breakdown Cover Policy Wording Section 2 32. Overnight accommodation or car hire charges if repairs can be carried out at or near the scene of the Breakdown within the same working day. 33. Recovery of the Vehicle or Your transport costs to return the Vehicle to Your Home Address once it has been inspected or repaired. 34. Any damage or loss to Your Vehicle or its contents and any injury to You or any third party caused by Us or the Recovery Operator. It is Your responsibility to ensure personal possessions are removed from the Vehicle prior to Your Vehicle being recovered. 35. We will not pay for any losses that are not directly covered by the terms and conditions of this policy. For example, We will not pay for You to collect Your Vehicle from a repairer or for any time that has to be taken off work because of a Breakdown. 36. Failure to comply with requests by Us or the Recovery Operator concerning the assistance being provided. 7. A request for service following any intentional or wilful damage caused by You to Your Vehicle. 38. Fines and penalties imposed by courts. 39. Any cost recoverable under any other insurance policy that You may have. 40. Direct or indirect loss, damage or liability caused by, contributed to or arising from: a) Ionising radiation or contamination by radioactivity from an irradiated nuclear fuel or from nuclear waste from the combustion of nuclear fuel. b) The radioactive, toxic, explosive or other hazardous properties of any nuclear assembly or nuclear component thereof. c) Any results of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, military or usurped power. 41. Any cover which is not specifically detailed within this policy. Additional exclusions applying to the European Assistance 1. Service where repatriation costs exceed the market value of the Vehicle. 2. The cost of recovery from a European motorway exceeding 150.00. 3. Repatriation to the UK within 48 hours of the original Breakdown, regardless of ferry or tunnel bookings for the homebound journey or pre arranged appointments You have made within the UK. 4. Repatriation if the Vehicle can be repaired but You do not have adequate funds for the repair. 5. Any claim where the Duration of a single trip is planned to or subsequently exceeds 90 days. General Conditions Applying to all sections. 1. Details of Your cover may not reach Us by the time assistance is required. In this unlikely event, We will assist You however before assistance can be provided We will ask to take a pre-authorisation on a credit or debit card for the estimated cost of the assistance. If We receive confirmation that You have adequate cover the reserved funds will be released. If We receive confirmation that You do not have adequate cover We will take payment for any uninsured costs. 2. The driver of the Vehicle must remain with or nearby the Vehicle until help arrives. 3. If a Callout is cancelled by You and a Recovery Operator has already been dispatched, You will lose a Callout from Your policy. We recommend You to wait for assistance to ensure the Vehicle is functioning correctly. If You do not wait for assistance and the Vehicle breaks down again within 12 hours, You will be charged for the second and any subsequent Callouts. 4. We reserve the right to charge You for any costs incurred as a result of incorrect location details being provided. 5. We have the right to refuse to provide the service if You or Your Passengers are being obstructive in allowing Us to provide the most Optional Extras Policy Wording 25

Breakdown Cover Policy Wording Section 2 appropriate assistance or are abusive to Our Rescue Controllers or the Recovery Operator. 6. Your Vehicle must be registered to and ordinarily kept at an address within the Territorial Limits (UK). 7. Vehicles must be located within the Territorial Limits (UK) when cover is purchased and commences. 8. We can request proof of outbound and inbound travel dates. 9. If in Our opinion the Vehicle is beyond economical repair or the cost of the claim is likely to exceed the market value of the Vehicle in its current condition following the Breakdown, We have the option to pay You the market value of the Vehicle in its current condition and pay Your transportation costs to Your Home Address. It will be Your responsibility to apply for a Certificate of Destruction or other such document and You will be required to pay for any storage costs whilst this is obtained. If You would prefer the Vehicle to be transported to Your Home Address or original destination, this can be arranged but You will need to pay any costs which exceed the market value of the Vehicle in its current condition. 10. We will only pay ferry and toll fees within the confines of the United Kingdom of Great Britain and Northern Ireland. 11. We must be advised immediately at the time of contacting Us for assistance, if Your Vehicle is fitted with alloy wheels. If We are not advised and We are unable to provide the service promptly or efficiently through the agent who will be assisting You, You will be charged for any additional costs incurred. 12. If We are able to repair Your Vehicle at the roadside, You must accept the assistance being provided and immediately pay for any parts supplied and fitted by debit or credit card. 13. The repair must be carried out if the Vehicle is recovered to a dealership and the dealership can repair the Vehicle within the terms stated. You must have adequate funds to pay for the repair immediately. If You do not have funds available, any further service related to the claim will be denied. 14. You must have adequate funds to pay for alternative transport or overnight accommodation costs immediately. If You do not have funds available, any further service related to the claim will be denied. 15. In the event You use the service and the claim is subsequently found not to be covered by the policy You have purchased, We reserve the right to reclaim any monies from You in order to pay for the uninsured service. 16. We may decline service if You have an outstanding debt with Us. 17. If You have a right of action against a third party, You shall co-operate with Us to recover any costs incurred by Us. If You are covered by any other insurance policy for any costs incurred by Us, You will need to claim these costs and reimburse Us. We reserve the right to claim back any costs that are recoverable through a third party. 18. Recovery Operators comply with laws and regulations limiting the number of hours they can drive for. Regular breaks and changeovers may be required when transporting Your Vehicle. 19. The transportation of livestock (including dogs) will be at the discretion of the Recovery Operator. We will endeavour to help arrange alternative transport but You will need to pay for this service immediately by credit or debit card. 20. Regardless of circumstances, We will not be held liable for any costs incurred if You are unable to make a telephone connection to any numbers provided. 21. The policy is not transferable. 22. If, in Our opinion, the Vehicle is found to be unroadworthy due to lack of maintenance, unless servicing records can be provided, We may terminate Your policy immediately notifying You, by letter to Your Home Address, of what action We have taken. 23. We will provide cover if: a) You have met all the terms and conditions within this insurance; b) The information provided to Us, as far as You are aware, is correct. 26 Optional Extras Policy Wording

Breakdown Cover Policy Wording Section 2 Should You wish to contact Us, We can be contacted by: Mail: Customer Services, c/o Call Assist Ltd, Axis Court, North Station Road, Colchester, CO1 1UX; Email: enquiries@call-assist.co.uk; Fax: 01206 364268. Cancellation Rights If We have reason to believe this policy is not being used in the spirit it was designed for or it becomes apparent there is a breakdown in the relationship between Us and You, We may cancel the policy by sending 7 days notice to Your Home Address. In such situations, providing no claim has been made, We will refund the unexpired portion of Your premium. This policy has a cooling off period of 14 days from the time You receive this information. If You do not wish to continue with the insurance, We will provide a refund of premium paid, providing no claim has been made. You may cancel Your policy after the 14 day cooling off period but no refund of premium is available. A refund of premium is not available if the Period of Insurance of the policy is for a period of less than one month. Please call 0844 800 8002 to discuss. Statement of Demands and Needs This policy meets the demands and needs of persons wishing to ensure that they are covered in the event of a Breakdown. As with any insurance, it does not cover all situations and You should read the terms and conditions of this policy to make sure that it meets Your specific needs. Our Promise To You We aim to provide a high standard of service. Please telephone Us if You feel We have not achieved this and We will do Our best to rectify the problem immediately. Complaints Procedure Any complaint You have regarding Your policy should be addressed to the policy administrator: Customer Services, Call Assist Limited, Axis Court, North Station Road, Colchester, Essex CO1 1UX. Please include the details of Your policy and in particular Your policy number, to help Your enquiry to be dealt with speedily. We promise to: acknowledge Your complaint within five working days of receiving it; have Your complaint reviewed by a senior member of staff; tell You the name of the person managing Your complaint when We send Our acknowledgement letter; and respond to Your complaint within 20 working days. If this is not possible for any reason, We will write to You to let You know when We will contact You again. If You remain dissatisfied, short of court action, You can ask The Financial Ombudsman Service to review Your case provided the policy is not of commercial nature. The right to apply to the Ombudsman must be exercised within six months of the date of the Company s final decision. The Financial Ombudsman Service can be contacted at the following address: The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, Docklands, London E14 9SR. Or by telephoning: 0800 023 4567 (free from a landline) or 0300 123 9 123 (free from some mobiles). Optional Extras Policy Wording 27

Breakdown Cover Policy Wording Section 2 Financial Services Compensation Scheme 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. For claims against the insurers, 90% of the insurance claim is covered, with no upper limit. For compulsory classes of insurance, insurance arranging is covered for 100% of the claim, without any upper limit. Further information about the compensation scheme arrangements is available from the FSCS by telephoning 0800 678 1100 or by visiting www.fscs.org.uk. Service Provider and Insurer This service is provided by Call Assist Limited. Registered in England and Wales. Registered Company Number: 3668383. Registered office address: Axis Court, North Station Road, Colchester, Essex, CO1 1UX. The policy is underwritten by DAS Legal Expenses Insurance Company Limited. Registered in England and Wales. Registered Company Number: 103274. Registered office address: DAS House, Quay Side, Temple Back, Bristol, BS1 6NH, Call Assist Ltd, Firm Reference Number 304838 is authorised and regulated by the Financial Conduct Authority. DAS Legal Expenses Insurance Company Limited, Firm Reference Number 202106 is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Call Recording To help Us provide a quality service, Your telephone calls may be recorded. 28 Optional Extras Policy Wording

Section 3 Section 3 Personal Accident Cover Optional Extras Policy Wording 29

Personal Accident Cover Personal Accident Policy Summary Introduction 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. Insurance: This insurance policy is administered by Direct Group Limited and is underwritten by UK General Insurance Limited on behalf of Ageas Insurance Limited. Your cover is valid for the remaining duration of your motor insurance policy or twelve calendar months, whichever is less. Insurer: UK General Insurance Limited on behalf of Ageas Insurance Limited Significant Features & Benefits Cover This insurance policy will pay a benefit to the insured in the event of loss, damage, death or bodily injury whilst driving or travelling in the insured vehicle. The insurer will pay the following benefits to the insured following the occurrence of an insured event as listed below: Cover Limit Death 30,000 Death (For any Insured Person under the age of 16 years or in full time education) 2,500 Loss of Sight 30,000 Loss of Speech 30,000 Loss of Hearing in both ears 30,000 Loss of Hearing in one ear 7,500 Loss of Limb / Limbs 30,000 Permanent Total Disablement (excluding Loss of Sight, Loss of Limbs, Loss of Hearing or Speech) 30,000 All subject to a maximum claim limit per person and; 30,000 Total Maximum claim limit for all people in any one Accident 240,000 Significant Exclusions or Limitations The policy does not cover: Claims for any insured person over 71 years of age at point of claim; More than one claim under each cover from the consequences of one accident to any one insured person; Riding a motorcycle or moped as a driver or passenger; Whilst the insured person is engaged in military, air force or naval services or operations. Any matrimonial or family dispute; Provoked assault or fighting (except in bona fide self defence). 30 Optional Extras Policy Wording

Personal Accident Cover Cancellation Right You may cancel this policy, without giving reason, by sending written notice to! returning the insurance documents within 14 days of inception or within 14 days of you receiving the insurance documents (if later). Your premium will be refunded in full provided a claim has not been made against this policy. If a claim has been made against this policy no refund of premium will be provided. Notice should be sent to! Making a Claim Call the Claims helpline on 0844 809 9513 (all calls are recorded for training, compliance, claims and counter fraud purposes), lines are open 9am to 5pm Monday to Friday, excluding bank holidays. The following information will be required: Policy reference; Your name; Your address. How to make a complaint It is the intention to give You the best possible service but if You have a complaint about the way in which Your policy was sold to You, it should be addressed to!, Maxim 3, 2 Parklands Avenue, Eurocentral, Motherwell, ML1 4WQ or telephone 0844 800 8002 (all calls are recorded). If your complaint about the sale of your policy cannot be resolved by the end of the next working day, your agent will pass it to: Customer Relations Department UK General Insurance Limited, Cast House, Old Mill Business Park, Gibraltar Island Road, Leeds LS10 1RJ Tel: 0845 218 2685 Email: customerrelations@ukgeneral.co.uk If you have any questions or concerns about the handling of a claim you should contact the administrators at; Customer Relations Team, PO Box 1193, Doncaster, DN1 9PW or Customer.relations@directgroup.co.uk. Telephone: 0844 809 9513 (all calls are recorded for training, compliance, claims and counter fraud purposes). Please ensure Your claim 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 a charity with an annual income of less than 1 million, or are 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 South Quay Plaza, 183 Marsh Wall, Docklands, London E14 9SR Tel: 0845 080 1800 Fax: 0207 964 1001 The above complaints procedure is in addition to your statutory rights as a consumer. For further information about your statutory rights contact your local authority Trading Standards Service or Citizens Advice Bureau. Compensation scheme Ageas Insurance 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. Most insurance contracts are covered for 90% of the claim. You can get more information about compensation scheme arrangements from the FSCS or visit www.fscs.org.uk. Optional Extras Policy Wording 31

Personal Accident Cover Policy Wording Section 3 Personal Accident Insurance Policy Wording Your Insurance This insurance has been arranged by Sure Thing Insurance Services Ltd. This insurance has been accepted by UK General Insurance Limited, underwritten by Ageas Insurance Limited, Registered in England no. 354568. Registered Office: Ageas House, Hampshire Corporate Park, Templars Way, Eastleigh, Hampshire SO53 3YA UK General Insurance Limited is 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. This can be checked on the Financial Services Register by visiting the FCA s website at www.fca.org.uk/ register. If You have paid the premium as shown in Your motor insurance welcome letter, We will agree to insure You, subject to the terms and conditions of this Policy, against Bodily Injury, damage or death You may incur for accidents occurring during the Period of Insurance. Please take time to read the contents of this Policy including how to make a claim. This Policy and Your motor insurance welcome letter are important documents. Please keep them in a safe place in case You need to refer to them for any reason. If You do need to discuss any aspect of this policy then please call! on 0844 800 8002. Your Policy will end if: (a) You do not pay the premium; (b) Your residential address is no longer in the United Kingdom; (c) You or We cancel the Policy. Definitions The following words or phrases have the same meaning wherever they appear in Your Policy. Accident/Accidental: Means a sudden and unexpected event involving a road traffic incident which happens by chance and causes Bodily Injury or death during the Period of Insurance. Administrator: Direct Group Limited at Quay Point, Lakeside Boulevard, Doncaster, DN4 5PL. Direct Group Limited is authorised and regulated by the Financial Conduct Authority number 307332 and handles claims on behalf of the insurer. Bodily Injury: Means identifiable physical injury as a result of an Accident. Doctor: A medical practitioner (other than you or a member of your family) who holds a full qualification entitling him or her to full registration with the General Medical Council. Geographical Limit: United Kingdom; and Andora, Austria, Belgium, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France (including Monaco) Germany, Gilbralta, Greece, Hungary, Iceland, Ireland, Italy (including San Marino and the Vatican City), Latvia, Litunania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Solvakia, Solvenia, Spain, Sweden, and Switerzerland (including Liechtenstein) providing that You are driving the Insured Vehicle and do not use the Insured Vehicle outside the United Kingdom for more than 60 days in the Period of Insurance. Hospital: Means a lawfully registered establishment which has accommodation for residential patients, with facilities for diagnosis and major surgery and which provides a 24-hour service by registered nurses. It does not include a convalescent, self-care or rest home, or a department in a hospital which has the role of a convalescent or nursing home. Insured Person: Category 1: You and Your spouse (including Common Law and/or Civil Law Partner). Category 2: Any passenger travelling in any vehicle driven by You which they are insured to drive under the Motor Insurance Policy. Insured Vehicle: The vehicle insured under the Motor Insurance Policy. Loss of Hearing or Speech: The total, permanent and irrecoverable loss of hearing or speech. 32 Optional Extras Policy Wording

Personal Accident Cover Policy Wording Section 3 Loss of Limb: Means loss by physical severance at or above the wrist or ankle or the total and permanent loss of an entire hand, arm, foot or leg. Loss of Sight: Means complete and irrecoverable loss of sight in one or both eyes. Motor Insurance Policy: The! motor insurance policy that has been issued to You for the Insured Vehicle. Permanent Total Disablement: Means total disablement from engaging in or attending to any occupation whatsoever for at least 12 months from the date of Bodily Injury, and at the end of that time being beyond hope of improvement. Period of Insurance: This Policy will run concurrently with Your Motor Insurance Policy for a maximum of 12 months. If You arranged this Policy after the Start Date of Your Motor Insurance Policy cover will be provided from the date You bought it and will end on the expiry date of Your Motor Insurance Policy, as detailed on the certificate of motor insurance. Policy: The documents consisting of Your policy wording and Your motor insurance welcome letter Start Date: The date shown on Your certificate of motor insurance or the date of purchase as shown in Your confirmation letter if You have taken this policy out afterwards. Terrorism: Use, or threat of use, of a biological, chemical and/or nuclear force or contamination by any person(s), whether acting alone or on behalf of or in connection with any organisation(s) or government(s), committed for political, religious, ideological or similar purposes including the intention to influence any government(s) or put any section of the public in fear. We, Us, Our: UK General Insurance Ltd on behalf of Ageas Insurance Limited. You, Your: The person named as the policy holder in the Motor Insurance Policy. Eligibility You are eligible to take out! Personal Accident Insurance if on the Start Date You agree to pay the premium and: You have a valid Motor Insurance Policy You are aged between 18 and 70, and You are a UK resident with a permanent UK address. What is covered Within the Geographical Limits and the Period of Insurance, We will pay the amount shown below if due to an Insured Incident an Insured Person suffers Accidental Bodily Injury or death. Insured Incidents 1. An Accident which occurs whilst a Category 1 Insured Person is driving any vehicle which they are insured to drive under the Motor Insurance Policy, or whilst they are a passenger in any vehicle, including getting into and out of such a vehicle. 2. An Accident which occurs whilst a Category 2 Insured Person is travelling in, getting into to or out of, any vehicle driven by You which You are insured to drive under the Motor Insurance Policy. 3. In relation to both categories of Insured Person, a malicious and unprovoked assault by the occupant or rider of another motor vehicle or pedal cycle which occurs in the vicinity of the Insured Vehicle. Optional Extras Policy Wording 33

Personal Accident Cover Policy Wording Section 3 The amounts We will pay under this section are: Cover Limit Death 30,000 Death (For any Insured Person under the age of 16 years or in full time education) 2,500 Loss of Sight 30,000 Loss of Speech 30,000 Loss of Hearing in both ears 30,000 Loss of Hearing in one ear 7,500 Loss of Limb / Limbs 30,000 Permanent Total Disablement (excluding Loss of Sight, Loss of Limbs, Loss of Hearing or Speech) 30,000 All subject to a maximum claim limit per person and; 30,000 Total Maximum claim limit for all people in any one Accident 240,000 Additional benefits The following additional benefits will apply if an Insured Person suffers Accidental Bodily Injury resulting from a malicious and unprovoked assault by the occupant or rider of another motor vehicle or pedal cycle which occurs in the vicinity of the Insured Vehicle. Cover Emergency Dental Expenses Personal Effects Hospital Daily benefit Stress Counselling Limit Up to 250 for emergency dental treatment for the Insured Persons natural teeth within 7 days of the assault. Cover excludes the first 25 of each and every claim. Up to 150 for damage to the Insured Persons clothing and or personal effects. Cover excludes the first 25 of each and every claim. The Policy will pay 100 per each completed 24 hour period of stay in Hospital, up to a maximum of 3,000. Cover excludes the first 24 hour period of stay. Up to 5 stress counselling sessions with a qualified counsellor up to a maximum claim limit of 500. 34 Optional Extras Policy Wording

Personal Accident Cover Policy Wording Section 3 What we will not cover This Policy will not cover loss, disablement or death arising in the following circumstances: Claims for Insured Person s who are over 71 years of age at point of claim; More than one claim under each cover from the consequences of one Accident to any one Insured Person; Suicide, attempted suicide or intentional self-injury or deliberate exposure to exceptional danger (except in an attempt to save human life), or insanity or the Insured Person s own criminal act; Riding a motorcycle or moped as a driver or passenger; Whilst the Insured Person is under the influence of drugs or alcohol; Unless otherwise agreed with Us this Policy will not cover, Bodily Injury or death arising from a medical condition which the Insured Person suffered from in the 12 month period immediately prior to the Start Date of cover which: a) The Insured Person knew about, or should reasonably have known about; or b) The Insured Person had seen, or arranged to see, a Doctor about. Whilst the Insured person is engaged in military, air force or naval services or operations; Whilst the Insured Person is using the Insured Vehicle in any kind of race, motor trade, private or public hire as a courier, haulier, mini bus or driving instructor; Any matrimonial or family dispute; Provoked assault or fighting (except in bona fide self defence). General exclusions We will not pay for: Radioactive contamination Loss or damage to property, liability, expense death or injury caused by or arising from: ionising radiation or radioactive contamination from any nuclear fuel or waste which results from the burning of nuclear fuel; or the radioactive, toxic, explosive or other dangerous properties of nuclear machinery or any part of it. War risks Any loss or damage by any sort of war, invasion or revolution. Terrorism Any loss, damage, liability, cost or expense of any kind directly or indirectly caused by, resulting from or in connection with any act of Terrorism. General conditions False/Fraudulent Claims If You or anyone acting on Your behalf makes a claim under this certificate of insurance and know the claim is false or fraudulent in any way, the cover is void and the claim will not be paid, and all monies received by You or Your representatives, shall be immediately repaid. Claims In the event of any incident which may give rise to a claim You must follow the claims procedure detailed in this Policy. Governing Law Unless some other law is agreed in writing, this policy is governed by English law. If there is a dispute, it will only be dealt with in the courts of England or of the country within the United Kingdom in which Your main residence is situated. Data Protection Please note that any information provided to Us will be processed by Us and Our agents in compliance with the provisions of the Data Protection Act 1998, for the purpose of providing insurance and handling claims, if any, which may necessitate providing such information to third parties. We may also send the information in confidence for process to other companies acting on their instructions including those located outside the European Economic Area. The Data Protection Act 1998 gives You the right to a copy of Your personal data held by Us upon payment of a fee. Optional Extras Policy Wording 35

Personal Accident Cover Policy Wording Section 3 Rights and responsibilities We have the right, at Our expense and in Your name to: take over the defence or settlement of any claim; start legal action to get compensation from anyone else; start legal action to get back from anyone else any payments that have already been made. You must give Us or the Administrator, and pay for, all the information We or they reasonably ask for about the claim, including written estimates and proof of ownership and value. Do not dispose of any damaged items until We or the Administrator have had the opportunity to inspect them. At Our cost You must also help Us to take legal action against anyone or help Us defend any legal action if We ask You to. Consumer Insurance Act You are required by the provisions of the Consumer Insurance (Disclosure and Representations) Act to take care to: a) supply accurate and complete answers to all the questions We or the Administrator may ask as part of Your application for cover under the policy; b) to make sure that all information supplied as part of Your application for cover is true and correct; c) tell Us of any changes to the answers You have given as soon as possible. Failure to provide answers in-line with the requirement of the Act may mean that Your policy is invalid and that it does not operate in the event of a claim. Taking Care You and any member of Your household must take all steps to prevent or minimise loss, damage or accident and maintain the property covered by this Policy in a sound condition and good repair. Other Insurance If a claim is covered under Your Policy and this claim is covered by any other insurance, We will only pay Our share of the claim. Transferring Your Interest in the Policy You cannot transfer Your interest in the Policy to anyone else unless You have obtained Our written permission. Police You must report the Insured Incident to the police within 24 hours. How to make a claim We hope You won t suffer any misfortune that would result in Your making a claim, but if You do, the following guidance may be of assistance. 1. Please read Your Policy to check that the cause of the claim is covered. 2. You must contact the police within 24 hours of the Accident. 3. Contact the Administrator on 0844 809 9513 as soon as reasonably possible. 4. The Administrator may provide You with a claim form and a list of the documents that are required. 5. If You have been given a claim form to complete please return this to the Administrator along with any other items that may have requested. 6. Upon receipt of Your claim form the Administrator will contact You by telephone or post. UK General Insurance Limited is an insurers agent and in the matters of a claim act on behalf of the insurer. Cancellation This insurance is optional and You have a right to cancel Your Policy during a period of 14 days from the Start Date of the Policy or the day on which You receive Your Policy document, whichever is the later. If You wish to cancel during this period, You will be entitled to a full refund of any premiums paid providing You have not made a claim, by contacting! on 0844 800 8002. You can also cancel Your policy at any other time by calling! however no refund of premium will be made. We reserve the right to withdraw, cancel or vary the cover provided and/or to alter the rates of 36 Optional Extras Policy Wording

Personal Accident Cover Policy Wording Section 3 premium charged. We will give at least 30 days written notice to You for any changes in relation to increases in premiums, reductions in what You are covered for under your Policy. Notice will be served at Your last known address. Our cancellation will not affect our liability for events before cancellation, which may give rise to a claim. Providing the premium has been paid in full You shall be entitled to a proportionate rebate of premium in respect of the unexpired Period of Insurance. How to make a complaint It is the intention to give You the best possible service but if You have a complaint about the way in which Your policy was sold to You, it should be addressed to!, Maxim 3, 2 Parklands Avenue, Eurocentral, Motherwell, ML1 4WQ or telephone 0844 800 8002 (all calls are recorded). If your complaint about the sale of your policy cannot be resolved by the end of the next working day, your agent will pass it to: Customer Relations Department UK General Insurance Limited, Cast House, Old Mill Business Park, Gibraltar Island Road, Leeds LS10 1RJ Tel: 0845 218 2685 Email: customerrelations@ukgeneral.co.uk If you have any questions or concerns about the handling of a claim you should contact the administrators at; Customer Relations Team, PO Box 1193, Doncaster, DN1 9PW or Customer.relations@directgroup.co.uk. Telephone: 0844 809 9513 (all calls are recorded for training, compliance, claims and counter fraud purposes). Please ensure Your claim 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 a charity with an annual income of less than 1 million, or are 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 South Quay Plaza, 183 Marsh Wall, Docklands, London E14 9SR Tel: 0845 080 1800 Fax: 0207 964 1001 The above complaints procedure is in addition to your statutory rights as a consumer. For further information about your statutory rights contact your local authority Trading Standards Service or Citizens Advice Bureau. Compensation scheme Ageas Insurance 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. Most insurance contracts are covered for 90% of the claim. You can get more information about compensation scheme arrangements from the FSCS or visit www.fscs.org.uk. Optional Extras Policy Wording 37

Section 4 Section 4 Replacement Car Cover 38 Optional Extras Policy Wording

Replacement Car Cover Replacement Car Cover Introduction This Policy Summary does not describe the full terms and conditions of the cover, so please take time to read the Policy Wording to make sure you understand the cover it provides. When reviewing your policy it should be read in conjunction with your Statement of Demands and Needs. Your cover is valid for one year or until the expiry of your motor insurance policy if this is sooner. Insurer This insurance has been arranged by Sure Thing! with UK General Insurance Limited on behalf of by Ageas Insurance Limited, Registered in England no. 354568. Registered Office: Ageas House, Hampshire Corporate Park, Templars Way, Eastleigh, Hampshire SO53 3YA. Insurance Services Limited and UK General Insurance 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. This can be checked on the Financial Services Register at www.fca.org.uk/firms/systems-reporting/register or by calling them on 0800 111 6768. Significant Features and Benefits This insurance provides you with cover for a replacement car for up to 14 days where your car is damaged beyond repair following an accident which is your fault, fire or attempted theft. It also covers you in the event that your car is stolen and not recovered. The replacement car will be an equivalent engine capacity to your own car, but not exceeding 2,000cc. If your own vehicle is a 7 seater, a 7 seater vehicle not exceeding 2,000cc will be provided; The replacement car will be provided anywhere in England, Wales, Scotland and Northern Ireland; Free delivery and collection of the replacement car will be provided; Up to two claims are allowed during the policy period; Helpline We provide a 24 hour, seven days a week helpline service. Significant Exclusions or Limitations The policy does not cover: Claims arising from any fire or act of vandalism or other deliberate or criminal act or omission other than car theft; Claims arising from an accident which is not your fault; Any person who does not meet the hire firm s standard terms and conditions of hire; Hire charges incurred before our acceptance of your claim; Any claim where the insured car was being used for hire or reward, racing, rallies or competitions; Taxi drivers, private hire drivers, self drive hire operators and motor traders unless the replacement car is for personal use only; Any location outside the geographical limits of England, Wales, Scotland and Northern Ireland. Making a Claim Claims under this insurance are managed by Direct Group Limited. If you need to make a claim for a replacement car due to an insured incident, then please contact the helpline on 0844 809 9963 which is staffed by Quindell Business Process Services (UK) Limited on behalf of! The following information will be required: Policy number; Your name; Your address. Cancellation This insurance is optional and you have a right to cancel your policy during a period of 14 days from the start date of the policy or the day on which you receive your policy document, whichever is the later. If you wish to cancel Optional Extras Policy Wording 39

Replacement Car Cover during this period, you will be entitled to a full refund of any premiums paid providing you have not made a claim, by contacting! on 0844 800 8002. You can also cancel your policy at any other time by calling,however no refund of premium will be made. The Insurer shall not be bound to accept renewal of any Insurance and may at any time cancel any insurance document by giving 14 days notice in writing where there is a valid reason for doing so. A cancellation letter will be sent to the Insured at their last known address. Valid reasons may include but are not limited to: a) Fraud; b) Non-payment of premium; c) Threatening and abusive behaviour; d) Non-compliance with policy terms & conditions. Provided the premium has been paid in full you shall be entitled to a proportionate rebate of premium in respect of the unexpired period showing on the insurance. How to make a complaint It is the intention to give You the best possible service but if You have a complaint about the way in which Your policy was sold to You, it should be addressed to!, Maxim 3, 2 Parklands Avenue, Eurocentral, Motherwell, ML1 4WQ or telephone 0844 800 8002 (all calls are recorded). If your complaint about the sale of your policy cannot be resolved by the end of the next working day, your agent will pass it to: Customer Relations Department UK General Insurance Limited, Cast House, Old Mill Business Park, Gibraltar Island Road, Leeds LS10 1RJ Tel: 0845 218 2685 Email: customerrelations@ukgeneral.co.uk If you have any questions or concerns about the handling of a claim you should contact the administrators at; Customer Relations Team, PO Box 1193, Doncaster, DN1 9PW or Customer.relations@directgroup.co.uk. Telephone: 0844 809 9513 (all calls are recorded for training, compliance, claims and counter fraud purposes). Please ensure Your claim 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 a charity with an annual income of less than 1 million, or are 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 South Quay Plaza, 183 Marsh Wall, Docklands, London E14 9SR Tel: 0845 080 1800 Fax: 0207 964 1001 The above complaints procedure is in addition to your statutory rights as a consumer. For further information about your statutory rights contact your local authority Trading Standards Service or Citizens Advice Bureau. Compensation scheme Ageas Insurance 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. Most insurance contracts are covered for 90% of the claim. You can get more information about compensation scheme arrangements from the FSCS or visit www.fscs.org.uk. 40 Optional Extras Policy Wording

Replacement Car Cover Policy Wording Section 4 Replacement Car Cover Policy Wording This insurance has been arranged by Sure Thing!with UK General Insurance Limited on behalf of Ageas Insurance Limited, Registered in England no. 354568. Registered Office: Ageas House, Hampshire Corporate Park, Templars Way, Eastleigh, Hampshire SO53 3YA.! and UK General Insurance 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. This can be checked on the Financial Services Register by visiting the FCA s website at www.fca.org.uk/register.! UK General Insurance Limited and Direct Group Limited are authorised and regulated by the Financial Conduct Authority. This can be checked on the Financial Services Register at www.fca.org.uk/firms/systems-reporting/register or by calling them on 0800 111 6768. Claims are managed on behalf of the insurer by Direct Group Limited who have appointed Quindell Business Process Services (UK) Limited to deal with any claims covered by the policy on their helpline: Tel 0844 809 9963. Replacement Car How it can help Even if you are comprehensively insured your motor insurer may not provide you with a replacement car in the event of a road accident, vehicle fire or the theft of your insured vehicle, leaving you without suitable transport. Where a replacement car is provided, it will generally be only a small courtesy vehicle provided by the repairer. This policy provides you with a replacement car, where your insured vehicle is: written off or damaged beyond economical repair following a fire or road traffic accident which is your fault; or stolen and not recovered. The replacement car will be provided to you by the hire firm and the policy covers you for the vehicle hire costs, which are not recoverable from any third party, allowing you to continue your daily life without unnecessary inconveniece. Making a Claim If you need to make a claim for a replacement car due to an insured incident then please call the helpline on 0844 809 9963. Lines are open 24 hours a day throughout the year. If you have a valid policy in place and the claim is due to an insured incident, you will be provided with a replacement car within 1 working day of the claim being accepted, which you can use for the hire period. Please note the following information will be required: Policy number; Your name; Your address. If your insured vehicle is stolen or involved in an accident, write down as many details as possible including the names and addresses of anyone else involved and any information provided by the police, including crime reference number in the event of theft. If we accept your claim, we will arrange for the delivery to you of a suitable replacement car, which you can use for the hire period. Definitions All through your policy there are certain words printed in bold. These words have special meanings which are shown below. Geographical Limits: England, Wales, Scotland and Northern Ireland. Hire Firm: Quindell Business Process Services (UK) Limited, Indemnity House, Sir Frank Whittle Way, Blackpool, FY4 2FB. Hire Period: The period from the date a replacement car is delivered to you until the date when you receive a settlement in respect of the value of the insured vehicle or the date on which the insured vehicle is recovered in the event of theft, subject to a maximum of 14 days in any event. Optional Extras Policy Wording 41

Replacement Car Cover Policy Wording Section 4 Insured Incident: A road traffic accident which is your fault, damage by fire or attempted theft within the geographical limits that renders the insured vehicle a total loss (a write off), as determined or accepted by the insurer, the third party insurer or by a garage who is a member of the Vehicle Builders & Repairers Association (VBRA) or Motor Vehicle Repairers Association (NVRA) or another similar recognised body); and Theft of the insured vehicle within the geographical limits where the insured vehicle is not recovered. Please note you will be required to provide your crime reference number for all theft or attempted theft claims. Insured Person: You and any other person driving the insured vehicle with your permission and under the cover of your motor insurance providing they satisfy the hire firm s standard terms and conditions of hire in force at the date of the insured incident. Insured Vehicle: The vehicle specified in the motor insurance policy issued with this policy. Insurer, We, Us, Our: UK General Insurance Limited on behalf of Ageas Insurance Limited Motor Insurance Policy: The! motor insurance policy that has been issued to you for the insured vehicle. Period of Insurance: 12 calendar months from the start date of this policy, or until the next expiry date of your motor insurance policy, whichever period is the less. In the event of cancellation or non-renewal of your motor insurance policy, all cover under this policy shall cease. Policy: This policy of insurance. Replacement Car: A replacement car or standard commercial vehicle having an equivalent engine capacity to the insured vehicle but not exceeding 2,000cc in any event. If the insured vehicle is a 7 seater vehicle, a 7 seater vehicle will be provided but not exceeding 2,000cc in any event. Third Party: The other person(s) and/or party(s) responsible for the insured incident, excluding any insured person. Vehicle Hire Cost: The cost of hiring a replacement car for one continuous hire period. You, Your: Any insured person. What is Covered? 1. Where the insured vehicle has been damaged beyond economical repair as a result of an insured incident arising during the period of insurance, subject to the terms and conditions, we will arrange for the supply to you of a replacement car for the duration of the hire period and we will pay the vehicle hire costs provided that hire has been arranged by us through the hire firm. 2. The replacement car will be delivered to you free of charge as soon as is practically possible and in any event within one working day of you reporting an insured incident to us. 3. You may ask for the replacement car to be delivered to you at any convenient place within the geographical limits. 4. A maximum of 2 claims can be made during the period of insurance. General Conditions and Exclusions 1. We will not be able to supply a replacement car to any person who does not meet the hire firm s standard terms and conditions of hire in force at the date of the insured incident. 2. We will not pay vehicle hire costs incurred before our acceptance of a claim. 3. In the event of theft of the insured vehicle you must, when reporting to us, provide us with the name, address and telephone number of the police station to which the theft has been reported and supply the crime reference number which has been allocated by the police. 4. The insured incident must be reported under your own motor insurance policy. 5. We will not supply a replacement car where the loss of the insured vehicle arises out of any act of vandalism or any deliberate or criminal act or omission other than vehicle theft. 42 Optional Extras Policy Wording

Replacement Car Cover Policy Wording Section 4 6. We will select a hire firm for you, and arrange for them to supply a replacement car suitable for your needs and availability. 7. We will not supply a replacement car if you are a taxi driver, private hire vehicle driver, self-drive hire operator or motor trader, unless it is for your personal use only. 8. We will not supply a replacement car where the insured vehicle is used for racing, rallies or competitions. 9. We will not supply a replacement car where there is any allegation that the insured incident arose at a time when the insured person had consumed alcohol or illegal drugs. 10. We will not be liable for the cost of fuel, fares, fines or fees relating to the replacement car whilst in your possession. 11. We will not be liable for any further hire charges due after the hire period. 12. You must keep us fully informed at all times of all matters relating to the insured incident and in particular must notify us immediately if the insured vehicle is replaced, settlement received for the value of insured vehicle, or where the insured vehicle is recovered in the event of theft. 13. This policy is written in English and all communications about it will be in English. 14. If a claim is made which you or an insured person, or anyone acting on your behalf, knows is fraudulent or exaggerated, we will not pay your claim and cover under your insurance will end without any return of premium. 15. You are required by the provisions of the Consumer Insurance (Disclosure and Representations) Act to take vehiclee to: a) supply accurate and complete answers to all the questions we or the administrator may ask as part of your application for cover under the policy; b) make sure that all information supplied as part of your application for cover is true and correct; c) tell us of any changes to the answers you have given as soon as possible. Failure to provide answers in-line with the requirement of the Act may mean that your policy is invalid and that it does not operate in the event of a claim. Cancellation This insurance is optional and you have a right to cancel your policy during a period of 14 days from the start date of the policy or the day on which you receive your policy document, whichever is the later. If you wish to cancel during this period, you will be entitled to a full refund of any premiums paid providing you have not made a claim, by contacting! on 0844 800 8002. You can also cancel your policy at any other time by calling!, however no refund of premium will be made. The Insurer shall not be bound to accept renewal of any Insurance and may at any time cancel any insurance document by giving 14 days notice in writing where there is a valid reason for doing so. A cancellation letter will be sent to the Insured at their last known address. Valid reasons may include but are not limited to: a) Fraud; b) Non-payment of premium; c) Threatening and abusive behaviour; d) Non-compliance with policy terms & conditions. Provided the premium has been paid in full you shall be entitled to a proportionate rebate of premium in respect of the unexpired period showing on the insurance. Optional Extras Policy Wording 43

Replacement Car Cover Policy Wording Section 4 How to make a complaint It is the intention to give You the best possible service but if You have a complaint about the way in which Your policy was sold to You, it should be addressed to!, Maxim 3, 2 Parklands Avenue, Eurocentral, Motherwell, ML1 4WQ or telephone 0844 800 8002 (all calls are recorded). If your complaint about the sale of your policy cannot be resolved by the end of the next working day, your agent will pass it to: Customer Relations Department UK General Insurance Limited, Cast House, Old Mill Business Park, Gibraltar Island Road, Leeds LS10 1RJ Tel: 0845 218 2685 Email: customerrelations@ukgeneral.co.uk If you have any questions or concerns about the handling of a claim you should contact the administrators at; Customer Relations Team, PO Box 1193, Doncaster, DN1 9PW or Customer.relations@directgroup.co.uk. Telephone: 0844 809 9513 (all calls are recorded for training, compliance, claims and counter fraud purposes). Please ensure Your claim 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 a charity with an annual income of less than 1 million, or are 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 South Quay Plaza, 183 Marsh Wall, Docklands, London E14 9SR Tel: 0845 080 1800 Fax: 0207 964 1001 The above complaints procedure is in addition to your statutory rights as a consumer. For further information about your statutory rights contact your local authority Trading Standards Service or Citizens Advice Bureau. Compensation scheme Ageas Insurance 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. Most insurance contracts are covered for 90% of the claim. You can get more information about compensation scheme arrangements from the FSCS or visit www.fscs.org.uk. Governing Law Unless some other law is agreed in writing, this policy is governed by English law. If there is a dispute, it will only be dealt with in the courts of England or of the country within the United Kingdom in which your main residence is situated. Data Protection Act 1998 Please note that any information provided to us will be processed by us and our agents in compliance with the provisions of the Data Protection Act 1998, for the purpose of providing insurance and handling claims, if any, which may necessitate providing such information to third parties. We may also send the information in confidence for process to other companies acting on their instructions including those located outside the European Economic Area. 44 Optional Extras Policy Wording

Section 5 Section 5 Windscreen Protection Optional Extras Policy Wording 45

Windscreen Protection Windscreen Protection Policy Summary Introduction Some important facts about your Windscreen Protection insurance 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. Policy Duration Your cover is valid for one year or until the expiry of your motor insurance policy if this is sooner. Insurer This insurance has been arranged by Sure Thing! with UK General Insurance Limited on behalf of by Ageas Insurance Limited, Registered in England no. 354568. Registered Office: Ageas House, Hampshire Corporate Park, Templars Way, Eastleigh, Hampshire SO53 3YA.! and UK General Insurance 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. This can be checked on the Financial Services Register at www.fca.org.uk/firms/systems-reporting/register or by calling them on 0800 111 6768. Significant Features & Benefits This policy provides cover for breakage of windows or windscreen glass; This policy provides cover for damage to the windscreen, which would be sufficient to cause the vehicle to fail a Department of Transport M.O.T. test; Cover extends to such incidents occurring in the United Kingdom of Great Britain and Northern Ireland; The maximum payable by the insurer is 300 in any one period of insurance; Claims are subject to an excess of 50 for each and every claim if you use our recommended glass replacement provider; or Claims are subject to an excess of 100 for each and every claim if you do not use our recommended glass replacement provider; You will not have to pay the excess if your windscreen or glass is repaired rather than replaced. Significant Exclusions or Limitations The policy does not cover: sunroofs, panoramic windscreens, glass sections of folding or removable roofs, winding mechanisms, lights, reflectors or interior glass; the excess for every claim for glass replacement; any claim where your motor vehicle is used for pace making, racing, speed testing or reliability trials, hiring or whilst your motor vehicle is being used and/or driven on any racetrack or circuit or any other prepared course; loss of use of your motor vehicle or any loss or cost that is not directly caused by the event that led to your claim whatsoever; damage to the vehicle windscreen or glass which occurs prior to or within the first 30 days of the start date of this policy; any costs incurred by you prior to our acceptance of your claim; any claim which is covered under any other insurance policy held by you; any damage that occurs whilst your motor vehicle is used outside the territorial limits; any damage to a motor vehicle not listed on the certificate of motor insurance. Cancellation Right You may cancel this policy, without giving reason, by sending written notice to! returning the insurance documents within 14 days of inception or within 14 days of you receiving the insurance documents (if later). Your premium will be refunded in full provided a claim has not been made against this policy. If a claim has been made against this policy no refund of premium will be provided. Notice should be sent to! 46 Optional Extras Policy Wording

Windscreen Protection The Insurer shall not be bound to accept renewal of any Insurance and may at any time cancel any insurance document by giving 14 days notice in writing where there is a valid reason for doing so. A cancellation letter will be sent to you at your last known address. Valid reasons may include but are not limited to: a) Fraud; b) Non-payment of premium; c) Threatening and abusive behaviour; d) Non-compliance with policy terms & conditions. Provided the premium has been paid in full you shall be entitled to a proportionate rebate of premium in respect of the unexpired period showing on the insurance. How to make a complaint It is the intention to give You the best possible service but if You have a complaint about the way in which Your policy was sold to You, it should be addressed to!, Maxim 3, 2 Parklands Avenue, Eurocentral, Motherwell, ML1 4WQ or telephone 0844 800 8002 (all calls are recorded). If your complaint about the sale of your policy cannot be resolved by the end of the next working day, your agent will pass it to: Customer Relations Department UK General Insurance Limited, Cast House, Old Mill Business Park, Gibraltar Island Road, Leeds LS10 1RJ Tel: 0845 218 2685 Email: customerrelations@ukgeneral.co.uk If you have any questions or concerns about the handling of a claim you should contact the administrators at; Customer Relations Team, PO Box 1193, Doncaster, DN1 9PW or Customer.relations@directgroup.co.uk. Telephone: 0844 809 9513 (all calls are recorded for training, compliance, claims and counter fraud purposes). Please ensure Your claim 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 a charity with an annual income of less than 1 million, or are 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 South Quay Plaza, 183 Marsh Wall, Docklands, London E14 9SR Tel: 0845 080 1800 Fax: 0207 964 1001 The above complaints procedure is in addition to your statutory rights as a consumer. For further information about your statutory rights contact your local authority Trading Standards Service or Citizens Advice Bureau. Compensation scheme Ageas Insurance 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. Most insurance contracts are covered for 90% of the claim. You can get more information about compensation scheme arrangements from the FSCS or visit www.fscs.org.uk. Data Protection Act 1998 Please note that any information provided to us will be processed by us and our agents in compliance with the provisions of the Data Protection Act 1998, for the purpose of providing insurance and handling claims, if any, which may necessitate providing such information to third parties. We may also send the information in confidence for process to other companies acting on their instructions including those located outside the European Economic Area. Optional Extras Policy Wording 47

Windscreen Protection Policy Wording Section 5 Windscreen Protection Policy Wording Insurer This insurance has been arranged by Sure Thing! with UK General Insurance Limited on behalf of by Ageas Insurance Limited, Registered in England no. 354568. Registered Office: Ageas House, Hampshire Corporate Park, Templars Way, Eastleigh, Hampshire SO53 3YA.! and UK General Insurance 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. This can be checked on the Financial Services Register at www.fca.org. uk/firms/systems-reporting/register or by calling them on 0800 111 6768. Definitions Each of the words or phrases listed below will have the same meaning wherever they appear in bold throughout this policy. Administrator: Direct Group Limited at Quay Point, Lakeside Boulevard, Doncaster, DN4 5PL. Telephone number 0844 809 9513 (all calls are recorded for training, compliance, claims and counter fraud purposes), lines are open 9am to 5pm Monday to Friday, excluding bank holidays. Direct Group Limited is authorised and regulated by the Financial Conduct Authority number 307332 and handles claims on behalf of the insurer. Excess: a) 50.00 each and every claim if you use our recommended glass replacement provider; or, b) 100.00 each and every claim if you do not use our recommended glass replacement provider. There is no excess payable if your windscreen or glass is repaired rather than replaced. Indirect Loss: Any loss or cost that is not directly caused by the event that led to your claim. For example any loss or damage to any part of the vehicle other than the windscreen. Insurer/we/us/our: UK General Insurance Limited on behalf of Ageas Insurance Limited. Period of insurance: This policy will run concurrently with your motor insurance policy for a maximum of 12 months. If you arranged this policy after the start date of your motor insurance policy cover will be provided from the date you bought it and will end on the expiry date of your motor insurance policy, as detailed on the certificate of motor insurance. Policyholder/you/your: The person named on the certificate of motor insurance who has paid the appropriate premium for this policy. Territorial limits: The United Kingdom of Great Britain and Northern Ireland. Vehicle: The motor vehicle detailed on the certificate of motor insurance which is owned by you and for which you hold a valid motor insurance policy issued by an authorised UK motor insurer. What Is Covered Subject to payment of the premium, the insurer will, in respect of the vehicle identified on your certificate of motor insurance, insure you during the period of insurance and within the territorial limits against; 1. Breakage of windows or windscreen glass; 2. Damage to the windscreen, which would be sufficient to cause the vehicle to fail a Department of Transport M.O.T. test. The maximum amount payable by the insurer is 300.00 in any one period of insurance. You are responsible for payment of the excess. You will not have to pay the excess if your windscreen or glass is repaired rather than replaced. What is Not Covered This policy does not cover: 1. sunroofs, panoramic windscreens, glass sections of folding or removable roofs, winding mechanisms, lights, reflectors or interior glass; 2. the excess for every claim for glass replacement; 3. any claim where your vehicle is used for 48 Optional Extras Policy Wording

Windscreen Protection Policy Wording Section 5 pace making, racing, speed testing or reliability trials, hiring or whilst your vehicle is being used and/or driven on any racetrack or circuit or any other prepared course; 4. loss of use of your vehicle or any indirect loss whatsoever; 5. damage to the vehicle windscreen or glass which occurs prior to or within the first 30 days of the start date of this policy; 6. any costs incurred by you prior to our acceptance of your claim; 7. any claim which is covered under any other insurance policy held by you; 8. any damage that occurs whilst your vehicle is used outside the territorial limits; 9. any damage to a vehicle not listed on the certificate of motor insurance. Conditions 1. You must hold a valid motor insurance policy issued by an authorised UK motor insurer in respect of your vehicle at all times during the period of insurance; 2. The cover provided by this policy only applies to the vehicle identified in the certificate of motor insurance; 3. You must take reasonable precautions to protect your vehicle from malicious or accidental damage; 4. You must notify! within 14 days if you change your vehicle. Failure to do so may invalidate any subsequent claim. Cancellation You may cancel your policy within 14 days of receiving this document or the start of your policy whichever is later by contacting Sure Thing! on 0844 800 8002 and receive a full refund of premium. This policy may also be cancelled at any time by! on 0844 800 8002 No refund will be available if you have made a claim during the period of insurance or if you cancel the policy after the first 14 days. The insurer shall not be bound to accept renewal of any Insurance and may at any time cancel any insurance document by giving 14 days notice in writing where there is a valid reason for doing so. A cancellation letter will be sent to you at your last known address. Valid reasons may include but are not limited to: a) Fraud; b) Non-payment of premium; c) Threatening and abusive behaviour; d) Non-compliance with policy terms & conditions. Provided the premium has been paid in full you shall be entitled to a proportionate rebate of premium in respect of the unexpired period showing on the insurance. Governing Law Unless some other law is agreed in writing, this policy is governed by English law. If there is a dispute, it will only be dealt with in the courts of England or of the country within the United Kingdom in which your main residence is situated. Consumer Insurance Act You are required by the provisions of the Consumer Insurance (Disclosure and Representations) Act to take care to supply accurate and complete answers to all the questions we may ask as part of your application for cover under this policy. You must make sure that all information supplied as part of your application for cover is true and correct and tell us of any changes to the answers you have given as soon as possible. Failure to provide answers in-line with the requirement of the Act may mean that your policy is in valid and that it does not operate in the event of a claim. Making a Claim Option 1 If you wish to use the recommended glass repair/replacement provider 1. Call the claims department on 0844 809 9513. 2. They will record details of your claim and will arrange for the glass repair/replacement provider to contact you in order to arrange for the broken or damaged glass to be repaired or replaced. 3. You will be responsible for the first 50.00 (the excess) and payment must be made to Optional Extras Policy Wording 49

Windscreen Protection Policy Wording Section 5 the recommended glass replacement provider at the same time the glass is replaced. If the glass is repaired there will be no excess to pay. 4. We will pay the remainder of the recommended glass repair/replacement provider s invoice to them directly. Option 2 In the event that you do not use the recommended glass repair/replacement provider 1. Call the claims department on 0844 809 9513. 2. They will record details of your claim and will confirm whether you may instruct a glass repair/replacement provider of your choice. 3. It will be your responsibility to arrange for repairs to be carried out. 4. When the repair or replacement work has been completed it will be your responsibility to pay the provider the full cost of the replacement or repair. 5. You must submit the repairer s receipted invoice to the claims department at: Specialist Claims, PO Box 1192 Doncaster DN1 9PU. 6. We will provide reimbursement of the replacement costs less the 100.00 excess. If the glass is repaired we will provide full reimbursement of the repair cost. UK General Insurance Limited is an insurers agent and in the matters of a claim act on behalf of the insurer. Please note that failure to follow these steps may jeopardise the reimbursement of your costs. How to make a complaint It is the intention to give You the best possible service but if You have a complaint about the way in which Your policy was sold to You, it should be addressed to!, Maxim 3, 2 Parklands Avenue, Eurocentral, Motherwell, ML1 4WQ or telephone 0844 800 8002 (all calls are recorded). If your complaint about the sale of your policy cannot be resolved by the end of the next working day, your agent will pass it to: Customer Relations Department UK General Insurance Limited, Cast House, Old Mill Business Park, Gibraltar Island Road, Leeds LS10 1RJ Tel: 0845 218 2685 Email: customerrelations@ukgeneral.co.uk If you have any questions or concerns about the handling of a claim you should contact the administrators at; Customer Relations Team, PO Box 1193, Doncaster, DN1 9PW or Customer.relations@directgroup.co.uk. Telephone: 0844 809 9513 (all calls are recorded for training, compliance, claims and counter fraud purposes). Please ensure Your claim 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 a charity with an annual income of less than 1 million, or are 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 South Quay Plaza, 183 Marsh Wall, Docklands, London E14 9SR Tel: 0845 080 1800 Fax: 0207 964 1001 50 Optional Extras Policy Wording

Windscreen Protection Policy Wording Section 5 The above complaints procedure is in addition to your statutory rights as a consumer. For further information about your statutory rights contact your local authority Trading Standards Service or Citizens Advice Bureau. Compensation scheme Ageas Insurance 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. Most insurance contracts are covered for 90% of the claim. You can get more information about compensation scheme arrangements from the FSCS or visit www.fscs.org.uk. Data Protection Act 1998 Please note that any information provided to us will be processed by us and our agents in compliance with the provisions of the Data Protection Act 1998, for the purpose of providing insurance and handling claims, if any, which may necessitate providing such information to third parties. We may also send the information in confidence for process to other companies acting on their instructions including those located outside the European Economic Area. Optional Extras Policy Wording 51

Section 6 Section 6 Key Cover 52 Optional Extras Policy Wording

Key Cover Policy Wording Section 6 Key Cover Policy Wording Assists You to get home safely; Protects You and your keys. Welcome Thank you for choosing Us for your insurance. This document contains the full policy terms and conditions which should be read along with the Schedule issued to you by the selling dealer or agent. We have tried to make this policy wording clear and easy to understand, using plain English wherever possible. However, if you do have any questions, please call Our Customer Services team on 0844 854 1502 or email customerservices@motorwaydirect.co.uk, who will be happy to help. If You have any query regarding the sale or arrangement of This Insurance, please contact the Seller through whom This Insurance was provided. This Policy Will Cover If during the Period of Insurance and within the Territorial Limits an Insured Key is lost, damaged or stolen, the Coverholder will: 1. Pay up to 500 in respect of locksmiths charges, new locks (if a security risk has arisen) and replacement keys if the insured key is lost, stolen or damaged (including any immobiliser, infra-red handset and/or alarm which is integral to any Insured Key if such cannot be repaired or re-programmed); 2. Provide car hire and onward transport costs; 3. Provide an Emergency Helpline 24 hours a day, 365 days a year. The Benefits This Insurance can provide up to 500 annual cover for: a) locksmiths charges; b) new locks and keys; c) car hire and onward transport costs; d) re-programming of immobilisers, infra-red handsets and alarms. There is NO excess payable; There is no limit to the number of claims You may make; 24 hour 365 days a year Emergency Helpline; You can claim on this policy without affecting Your No Claims Bonus on Your other insurance policies. What happens if my keys are lost, stolen or damaged? Telephone Us on Our 24 hour Emergency Helpline: 0871 2301 213 and We will help find You alternative transport, arrange assistance from a qualified local locksmith. You can rest assured that Our nationwide network of locksmiths are all approved and highly qualified. This Policy Will Not Cover The Underwriters I Coverholder will not indemnify You in respect of: a) Any amount exceeding the 500 annual claim limit in any one 12 months Period of Insurance; b) Sums claimed where You do not produce receipts or invoices for payments You have made; c) Insured Keys which are lost until 5 days have elapsed since the loss (unless the Coverholder is satisfied that a delay would cause undue hardship or significant expense); d) Insured Keys lost or broken by, or stolen from, someone other than You; e) Insured Keys if there are duplicate keys available to You immediately or reasonably quickly; f) Any Insured Event not reported to the Coverholder within 30 days of the loss, theft or damage; g) Locks which are damaged prior to the loss or theft of keys. h) Replacement locks or keys of a higher standard or specification than those replaced; i) Sums exceeding 50 per incident in respect of any Insured Key locked inside property or broken in lock or ignition; Optional Extras Policy Wording 53

Key Cover Policy Wording Section 6 j) Vehicle hire charges where a hire vehicle exceeds 1600cc; k) The balance of vehicle hire charges over a maximum sum of 40 per day; I) Vehicle hire charges after the third day of hire; m) Charges or costs incurred where the Coverholder arranges for the attendance of a locksmith or other tradesman, agent or representative at a particular location and You fail to attend; n) Charges or costs incurred where You make alternative arrangements with a third party once the Coverholder has arranged for a locksmith or other tradesman, agent or representative to attend a particular location; o) The balance of transport costs over a maximum sum of 75 per day; p) Loss or destruction of, or damage to, any property other than an Insured Key and its associated lock or ignition system, and any immobiliser, infra-red handset and/or alarm attached to the Fob; q) Loss or damage caused by radiation, radioactive contamination or the hazardous properties of any explosive, corrosive, invasive or toxic substance or material; r) Loss or damage caused by war, invasion, foreign enemy hostilities (whether war is declared or not). civil war, terrorism, rebellion, revolution, military force or coup, or the actions of any lawful government or public or local authority; s) Any loss of earnings or profits which You suffer as a result of the loss or theft of, or damage to an Insured Key. t) Claims arising from any deliberate or criminal act or omission by You; u) Loss or theft of, or damage to an Insured Key which occurs outside the Period of Insurance; v) Claims arising as a result of Your failure to take all necessary steps to safeguard an Insured Key. Administration of this insurance Key Protect is arranged by: Motorway Direct Plc and Motorplus Limited/ Boomerang-Tag Limited with UK General Insurance Limited on behalf of Ageas Insurance Limited, Registered in England No.354568. Registered Office: Ageas House, Hampshire Corporate Park, Templars Way, Eastleigh, Hampshire S053 3YA. Motorplus Limited/Boomerang-Tag Limited UK General Insurance Limited is 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. This can be checked on the Financial Services Register at www.fca.org.uk/firms/ systems-reporting/register or by calling them on 0800 111 6768. Motorway Direct Plc is authorised and regulated by the Financial Conduct Authority (FCA), Financial Services Register number 311741. Registered Office; Warranty House, Savile Street East, Don Valley, Sheffield, S4 7UQ. Registered in England & Wales No. 03222540. Group VAT registration: 804 0501 84. Unless expressly stated nothing in this Policy will create rights pursuant to the Contract (Rights of Third Parties) Act 1999. The Insurer is covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if We cannot meet Our obligations to you. This depends on the type of business and circumstances of the claim. Insurance arranging and administration is covered for 90% of the claim with no upper limit. You can learn more about this scheme at www.fscs.org.uk or by phoning 0800 678 1100 or 0207 741 4100. Making a Claim To make a claim please call 0871 230 1213. You must report any claim to the Coverholder within 30 days of the Insured Event. Definitions Coverholder/We/Us/Our: MotorPlus Ltd, Boomerang- Tag Ltd and any associated and/or subsidiary companies. 54 Optional Extras Policy Wording

Key Cover Policy Wording Section 6 You/Your: The Policyholder and any immediate member of their family residing at the same address as the Policyholder during the Period of Insurance. Insured Key: Any key relating to the Vehicle detailed in the Schedule. Limit of Indemnity: 500 being the maximum amount payable in aggregate in any one 12 months Period of Insurance. Period of Insurance: The period stated in the schedule. Policyholder: The person in whose name the Coverholder has registered as detailed in the Schedule. Territorial Limits: The United Kingdom. Insured Event: The loss or theft of, or damage to, any Insured Key. Insurer: UK General Insurance Limited on behalf of Ageas Insurance Limited. UK General Insurance Limited are an insurers agent and in the matters of a claim act on behalf of the Insurer. Terms & Conditions General Conditions 1. Compliance And Precautions You must comply with the terms of this Policy and take all necessary precautions to minimise the cost of any claim. 2. Cancellation The Policyholder may cancel this Policy at any time. If the Policyholder cancels within 14 days of either the inception or renewal date or the date they receive the contractual terms and conditions (whichever is later) then the Coverholder will return any premium already paid (providing that no claims have been made). If the Policyholder cancels outside this period they will not be entitled to any refund of premium. The lnsurer/coverholders may cancel the insurance by giving the Policyholder 30 days notice in writing sent to the Policyholder s last known address. 3. Terminology The terminology used in this Policy is that of England and Wales but shall, where appropriate, mean the equivalent terminology of any relevant jurisdiction within the Territorial Limits. 4. Communications All communications from the Insurer or their representatives shall be deemed duly sent if sent by the Coverholders or their representatives to the last known address of the Policyholder, or the address of their representative if relevant. All communications by the Policyholder to the Insurer or their representatives shall be deemed duly sent if sent to the Coverholders. 5. Presentation of Claims The Policyholder must notify the Coverholders as soon as reasonably possible of any Insured Event which may give rise to a claim, complete any forms requested by the Coverholders and promptly supply such information as the Coverholders or their agents require. 6. Arbitration If there is a dispute between the Coverholder and the Policyholder, which is not resolved by this Policy, either side may refer to the arbitration of a single arbitrator, being a solicitor or barrister agreed by the two sides. If no agreement can be reached the President of the relevant national Law Society shall name an arbitrator. The arbitrator s decision will be final and binding on both sides. The arbitration will be governed by the rules set out in the Arbitration Acts in force at the time. The costs of arbitration shall be borne by the instigating party unless deemed otherwise by the arbitrator. 7. Assignment This Policy may not be assigned in whole or in part without the written consent of the Coverholders. 8. Excess No excess is payable. 9. Maximum Number of Claims There is no limit to the number of separate claims which You may make within the Period of Insurance subject to the fact that the total aggregate sum which the Coverholder will pay 500 in any one 12 month period of insurance. Optional Extras Policy Wording 55

Key Cover Policy Wording Section 6 10. Governing Law Unless some other law is agreed in writing, this policy is governed by English law. If there is a dispute, it will only be dealt with in the courts of England or of the county within the United Kingdom in which your main residence is situated. 11. Fraudulent Claims If You make a request for payment under this policy knowing it to be fraudulent or false in any respect or ought reasonably in the circumstances to know it to be fraudulent or false or where there is collusion between any parties to the dispute, this policy shall become void and any premium paid hereunder shall be forfeited and We shall be entitled to recover any monies previously paid. Our commitment to good service If You have any concerns regarding the sale of this Insurance, please in the first instance contact the selling dealer or agent. 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: Chief Executive Officer, Boomerang-Tag Limited, Kircam House, Whiffler Road, NORWICH NR3 2AL Tel: 01603 420 000 Fax: 01603 420 010 Please ensure Your policy number is quoted in all correspondence to assist a quick and efficient response. If You remain unhappy with Our final response, or We have not managed to provide a final response within 8 weeks of Your complaint, You may be entitled to refer Your complaint to the Financial Ombudsman Service for help and advice. Tel: 0800 023 4567 or 0300 123 9123 Email: complaint.info@financial-ombudsman.org.uk Post: Insurance Division Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR Financial Services Compensation Scheme (FSCS) The Insurer is covered by the FSCS. You may be entitled to compensation from the scheme if the Insurer cannot complete Their obligations. This depends on the type of business and the circumstances of the claim. For claims against insurers 90% of the claim is covered with no upper limit. Further information about the compensation scheme is available from www.fscs.org.uk or by phoning 0800 678 1100 or 0207 741 4100. Please make sure You always quote Your policy number from the Schedule. This complaints procedure doesn t affect Your statutory rights. Data Protection Act 1998 For the purposes of the Data Protection Act 1998, the data controller in relation to the information You supply is Motorway Direct Pie, (Company No: 03222540 England), Warranty House, Savile Street East, Don Valley, Sheffield, S4 7UQ We will share the information You provide, together with other information, only with Our Motorway Direct Pie group companies. We will use this for administration, marketing, customer services and profiling Your purchasing preferences. We will disclose Your information to the Insurer, Our service providers and agents for these purposes. We may keep Your information for a period to contact You about Our services. We may share Your information with other organisations, who are Our business partners. We, or They, may contact You by mail or telephone to let You know about any goods, services or promotions, which may be of interest to You. If You decide You do not wish to receive such information in these ways, please inform Us, but remember that this will prevent You from receiving Our special offers or promotions. If You would like to receive such information by email, fax or SMS text messaging but have not told Us please contact Us. 56 Optional Extras Policy Wording

Key Cover Policy Wording Section 6 We or the Insurer may transfer Your information outside of the European Economic Area, for example the United States of America. We or the Insurer will only do this where it is necessary for the conclusion, or performance of a contract between You and Us or the Insurer, or that We or the Insurer enter into at Your request, in Your interest, or for administrative purposes. When You have given Us information about another person, You confirm that they have authorised You to act for them, to consent to the processing and use of their personal data in the manner described in this notice and to receive on their behalf any data protection notice. You have the right to ask for a copy of Your information and to correct any inaccuracies. We may record telephone calls for staff training and evidential purposes. Sensitive data If You have given Us consent to use Your sensitive personal data (e.g. if appropriate, health data for Your registration under the Motability Scheme), it will only be processed in order to provide the service requested. Optional Extras Policy Wording 57

Section 7 Section 7 Excess Protection 58 Optional Extras Policy Wording

Excess Protection Excess Protection The purpose of this policy summary is to help you understand the insurance by setting out the significant features, benefits, limitations and exclusions. You should still read the policy wording for a full description of the terms of the insurance, including the policy definitions. This policy summary does not form part of the policy document. Significant features and benefits Cover is provided for the reimbursement of the excess applicable under your motor insurance policy for which you are responsible following the successful settlement of a physical damage claim arising as a result of fire, theft, vandalism or an accident that was your fault, or partially your fault, or where within 6 months you are unable to recover your excess from a liable third party. For cover to apply the excess of the motor insurance policy must be exceeded by the value of the successful claim payment. The maximum amount payable under this motor excess protection insurance policy depends on the level of cover selected and for which the appropriate premium has been paid. Please refer to the certificate of insurance or confirmation of coverage document for your cover limit. Exclusions and limitations Who is eligible to purchase this policy: Permanently resident in the United Kingdom (England, Wales, Scotland, Northern Ireland, Channel Island and the Isle of Man); Any person who has a current and valid UK driving licence, or hold a full internationally recognised licence. What is not covered (exclusions): Any claim that your motor insurance policy does not respond to or the excess is not exceeded; Any claim on the motor insurance policy which occurred prior to the attachment date of this policy as shown on your certificate of insurance or confirmation of coverage; Any claim notified to us more than 31 days following the settlement of your claim by your motor insurer; Any claim where the motor insurance policy is on the basis of or included commercial travel; Any contribution or deduction from the settlement of your claim against your motor insurance policy other than the stated policy excess, for which you have been made liable; Where a third party has waived or reimbursed you and made good the first amount of any claim, shown in the schedule under own damage of your motor insurance policy; Any liability you accept by agreement or contract, unless you would have been liable anyway; Any claim that is refused by your motor insurer against who you are claiming; Motor insurance you must maintain at all times during the period of this policy a motor insurance policy issued to you in respect of your motor vehicle by a UK registered and authorised motor insurer; Any excess claim arising from glass repair or replacement. Insurer This Insurance is underwritten by AmTrust International Underwriters Limited, a company registered in Ireland under Registration No. 169384, whose Registered Office is 40 Westland Row, Dublin 2, Ireland. AmTrust International Underwriters Limited is authorised and regulated by the Central Bank of Ireland and is licenced to operate in the United Kingdom under a Freedom of Services basis as directed by the European Communities (Non-Life Insurance) Framework Regulations, 1994, under Registration No 203014. Your policy is arranged and claims administered by Business & Domestic Insurance Services which is a trading style of Motorway Direct Plc. Motorway Direct Plc are authorised and regulated by the Financial Conduct Authority (FCA), authorisation number 311741. Our address is Warranty House, Savile Street East, Don Valley, Sheffield, South Yorkshire S4 7UQ. Cooling off period Your policy administrator will refund your premium in full, if within 14 days of purchasing this insurance you decide that it does not meet your needs, provided you have not reported a claim. Optional Extras Policy Wording 59

Excess Protection Making a claim Please make a claim to the claims administrator following the settlement of your motor insurance claim. Claim via the internet Should you wish to claim under this policy, you should go to; www.excessprotectclaims.co.uk You will be able to complete this claim form online. You will then receive communication confirming your claim number and a list of documents you are required to return. Please post a copy of the claim form you completed online with all the required documentation to: Business & Domestic Administration Department Excess Protect Claims Warranty House, Savile Street East, Don Valley, Sheffield, South Yorkshire S4 7UQ. If you do not have access to the internet and would like to claim via post. Please call the claims administrator on 0844 893 7805 to notify your claim with them. The claims administrator will register your claim. They will send an acknowledgement letter with a claim form for you to complete. This correspondence will include a list of documents required to support your claim. Please post a copy of this acknowledgement, the completed claim form and all supporting documentation to: Business & Domestic Administration Department Excess Protect Claims Warranty House, Savile Street East, Don Valley, Sheffield, South Yorkshire S4 7UQ. Should you need to contact the claims administrator please call 0844 893 7805 or email claims@excessprotect.co.uk Data Protection Act 1998 Please note that any information provided to us will be processed by us and our agents in compliance with the provisions of the Data Protection Act 1998, for the purpose of providing insurance and handling claims, if any, which may necessitate providing such information to third parties. Caring for Customers We hope you will be completely happy with this Insurance but if something does go wrong, we would like to know about it. We will do our best to resolve the issue and make sure it doesn t happen again. Complaints about the sale of this Insurance If you have any concerns regarding the sale of this Insurance, please contact the selling dealer or agent. Complaints about this Insurance Please contact our Customer Services Manager either by telephone on 0844 893 7805, or by e-mail to bdicustomerrelations@ businessanddomestic.co.uk. Alternatively write to us at Business & Domestic Administration Services, Warranty House, Savile Street East, Don Valley, Sheffield S4 7UQ. If You need to complain We will acknowledge your complaint within five working days. If you remain unhappy with our final response, or we have not managed to provide a final response within 8 weeks of your complaint, you may be entitled to refer your complaint to the Financial Ombudsman Service for help and advice. There are several ways you can contact them: Tel: 0800 023 4567 or 0300 123 9123 Email: complaint.info@financial-ombudsman.org.uk Post: The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, Docklands, London E14 9SR 60 Optional Extras Policy Wording

Excess Protection Financial Services Compensation Scheme (FSCS) The Insurer is covered by the FSCS. You may be entitled to compensation from the scheme if the Insurer cannot complete their obligations. This depends on the type of business and the circumstances of the claim. For claims against insurers 90% of the claim is covered with no upper limit. Further information about the compensation scheme is available from www.fscs.org.uk or by phoning 0800 678 1100 or 0207 741 4100. Please make sure you always quote your policy number from the schedule. This complaints procedure does not affect your statutory rights. Optional Extras Policy Wording 61

Excess Protection Policy Wording Section 7 Excess Protection Policy Wording Thank you for choosing Motor Excess Protect Insurance. The information in this policy wording contains important information and we have made it as easy as possible to understand. Please take time to read through it and contact us if you need any further information. Insurer This Insurance is underwritten by AmTrust International Underwriters Limited, a company registered in Ireland under Registration No. 169384, whose Registered Office is 40 Westland Row, Dublin 2, Ireland. AmTrust International Underwriters Limited is authorised and regulated by the Central Bank of Ireland and is licenced to operate in the United Kingdom under a Freedom of Services basis as directed by the European Communities (Non-Life Insurance) Framework Regulations, 1994, under Registration No 203014. Your policy is arranged and claims administered by Business & Domestic Insurance Services which is a trading style of Motorway Direct Plc. Motorway Direct Plc are authorised and regulated by the Financial Conduct Authority (FCA), authorisation number 311741. Our address is Warranty House, Savile Street East, Don Valley, Sheffield, South Yorkshire S4 7UQ. What makes up this policy? This policy and the certificate of insurance or confirmation of coverage document must be read together as they form your insurance contract. Monetary limits We can insure you up to the cover limit as specified on your certificate of insurance or confirmation of coverage document. Cooling off period Your policy administrator will refund in full your premium, if, within 14 days of purchasing this insurance you decide that it does not meet your needs providing that you have not reported or are intending to report a claim. Once the 14 days has expired you may cancel this insurance but no refund of premium will be given. Jurisdiction and law This insurance policy will be governed by the laws of England, whose courts alone shall have jurisdiction in any dispute arising from this insurance. Caring for Customers We hope you will be completely happy with this Insurance but if something does go wrong, we would like to know about it. We will do our best to resolve the issue and make sure it doesn t happen again. Complaints about the sale of this Insurance If you have any concerns regarding the sale of this Insurance, please contact the selling dealer or agent. Complaints about this Insurance Please contact our Customer Services Manager either by telephone on 0844 893 7805, or by e-mail to bdicustomerrelations@ businessanddomestic.co.uk. Alternatively write to us at Business & Domestic Administration Services, Warranty House, Savile Street East, Don Valley, Sheffield S4 7UQ. If You need to complain We will acknowledge your complaint within five working days. If you remain unhappy with our final response, or we have not managed to provide a final response within 8 weeks of your complaint, you may be entitled to refer your complaint to the Financial Ombudsman Service for help and advice. There are several ways you can contract them: Tel: 0800 023 4567 or 0300 123 9123 Email: complaint.info@financial-ombudsman.org.uk Post: The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, Docklands, London E14 9SR 62 Optional Extras Policy Wording

Excess Protection Policy Wording Section 7 Financial Services Compensation Scheme (FSCS) The Insurer is covered by the FSCS. You may be entitled to compensation from the scheme if the Insurer cannot complete their obligations. This depends on the type of business and the circumstances of the claim. For claims against insurers 90% of the claim is covered with no upper limit. Further information about the compensation scheme is available from www.fscs.org.uk or by phoning 0800 678 1100 or 0207 741 4100. Please make sure you always quote your policy number from the schedule. This complaints procedure does not affect your statutory rights. Who is eligible to purchase this policy? Any person: 1. Permanently resident in the United Kingdom (England, Wales, Scotland, Northern Ireland, Channel Islands and the Isle of Man). 2. Any person who has a current and valid UK driving licence, or hold a full internationally recognised licence. Cover Provided 1. Subject to the appropriate premium being paid, the Insurer will pay you in each relevant period of insurance, an amount equal to the amount of the excess in relation to each settled claim on your motor insurance policy up to your cover limit in respect of claims arising as a result of fire, theft, flood, vandalism or an accident that was your fault, or partially your fault, or where within 6 months you are unable to recover your excess from a liable third party. 2. Cover Limits available; a) 350 in any one policy period; b) 500 in any one policy period; c) 1,000 in any one policy period. 3. Please refer to the certificate of insurance or confirmation of coverage document for your annual aggregate cover limit. Definitions Any word or expression to which a specific meaning has been attached will bear the same meaning throughout this policy. 1. You/Your/Insured Person means the person (the Policyholder ) whose name appears at the top of your certificate of insurance or confirmation of coverage document. 2. We/Us/Our means AmTrust International Underwriters Limited. 3. Policy Administrator your policy is administrated by: Insurance Services Limited, Maxim 3, 2 Parklands Avenue, Eurocentral, Motherwell, ML1 4WQ. 4. Claims Administrator means Business & Domestic Administration, Warranty House, Savile Street East, Don Valley, Sheffield S4 7UQ. 5. Excess means the amount you must pay under the terms of your motor insurance policy. 6. Period of Insurance means the period for which we have accepted the premium as stated in your certificate of insurance. 7. Cover Limit means the total aggregate amount which the we will pay to you under this policy during the relevant period of insurance being the amount specified on your certificate of insurance. 8. Motor Insurance Policy means the insurance policy issued by an authorised UK motor insurer to you in respect of your motor vehicle. 9. Motor Insurer means an authorised UK motor insurer. 10. Named Driver(s) means drivers in addition to you who are permitted to drive under the terms of your motor insurance policy. 11. Certificate of Insurance or Confirmation of Coverage this forms part of this policy document and contains the name of the policyholder and gives details of the cover provided by this policy. 12. Waived or Reimbursed means where a third party has already made good which is the first amount of any claim, shown in the Optional Extras Policy Wording 63

Excess Protection Policy Wording Section 7 64 schedule under own damage of your motor insurance policy. 13. Motor Vehicle a Motor Vehicle or Motorcycle (not being an invalid carriage) which is constructed for the carriage of passengers and their effects and is adapted to carry not more than seven passengers and does not exceed 3.5 tonnes, of which you are the owner or which you are authorised to drive. 14. Motorcycle means a Motorcycle (also called a motor bicycle or motorbike) which is constructed with two-wheeled and powered by an engine of which you are the owner or which you are authorised to drive. 15. Driving Instructor means Approved Driving Instructor (ADI) with the Driving Standards Agency. 16. Commercial Travel means commercial use by sales representatives. General conditions applicable You must comply with the following conditions to have the full protection of your policy. 1. Cover is provided under the following Use Types : a) Social Domestic & Pleasure; b) Personal Business use by policyholder; c) Personal use by a named driver(s); d) Personal Business use by policyholder named driver(s); e) Business use by policyholder / named driver (excluding commercial travel). 2. Approved Driving Instructors are included. 3. This policy will continue to respond for the period of the insurance or until your chosen cover limit is exhausted; which ever comes first. 4. The motor insurance policy that you have must be current and valid and provided by an FCA regulated and authorised UK insurer. 5. The policyholder as stated on the certificate of insurance or confirmation of coverage document must match the lead name of the individual on the motor insurance policy that has responded, and to which this policy will respond to the amount of the excess. 6. Only when the excess of the current and valid main insurance policy is exceeded and following the successful claim payment will this policy respond. 7. In the event that any misrepresentation or concealment is made by you or on your behalf in obtaining this Insurance or in support of any claim under this Insurance this policy may be voided and no refund of premium will be given. What is not covered (Exclusions) 1. Any claim that your main motor insurance policy does not respond to or where the excess is not exceeded. 2. Any claim on the motor insurance policy which occurred prior to the attachment Date of this policy as shown on your certificate of insurance or confirmation of coverage document. 3. Any claim where the motor insurance policy is on the basis of or includes commercial travel. 4. Any claim notified to us more than 31 days following the settlement of your claim by your motor insurance policy insurer. 5. Any contribution or deduction from the settlement of your claim against your motor insurance policy other than the stated policy excess, for which you have been made liable. 6. Where a third party has waived or reimbursed you and made good which is the first amount of any claim, shown in the schedule under own damage of your motor insurance policy. 7. Any liability you accept by agreement or contract, unless you would have been liable anyway. 8. Any claim that is refused by your motor insurance policy Insurers to whom you are claiming. 9. Motor Insurance You must maintain at all times during the period of this policy a motor insurance policy issued to you in respect of your motor vehicle by a UK registered and authorised motor insurer. Optional Extras Policy Wording

Excess Protection Policy Wording Section 7 10. Any claim arising from glass repair or replacement. Conditions Applicable 1. Right of Recovery we can take proceedings in your name but at our expense to recover for our benefit the amount of any payment made under this policy; 2. Other Insurance If you were covered by any other Insurance for the excess payable following the incident, which resulted in a valid claim under this policy, we will only pay our share of the claim; 3. Reasonable Precautions you must take reasonable steps to safeguard against loss or additional exposure to loss; 4. Keeping to the terms of this policy we will only give you the cover that is described in this policy if any person claiming cover has met with all its terms and the terms of the policy, as far as they apply; 5. Fraudulent Claims If you make a claim under this policy that is false or fraudulent in any way, the policy is void and any claim will not be paid. Claims Making a claim: When to make a claim Please make a claim to the claims administrator following the settlement of your motor insurance claim. Claim via the internet Should you wish to claim under this policy, you should go to; www.excessprotectclaims.co.uk You will be able to complete this claim form online. You will then receive communication confirming your claim number and a list of documents you are required to return. Please post a copy of the claim form you completed online with all the required documentation to: Business & Domestic Administration Department Excess Protect Claims Warranty House, Savile Street East, Don Valley, Sheffield, South Yorkshire S4 7UQ. If you do not have access to the internet and would like to claim via post, please call the claims administrator on 0844 893 7805 to notify your claim with them. The claims administrator will register your claim. They will send an acknowledgement letter with a claim form for you to complete. This correspondence will include a list of documents required to support your claim. Please post a copy of this acknowledgement, the completed claim form and all supporting documentation to: Business & Domestic Administration Department Excess Protect Claims Warranty House,Savile Street East, Don Valley,Sheffield, South Yorkshire S4 7UQ. Should you need to contact the claims administrator please call 0844 893 7805 or email claims@excessprotect.co.uk Data Protection Act 1998 Please note that any information provided to us will be processed by us and our agents in compliance with the provisions of the Data Protection Act 1998, for the purpose of providing insurance and handling claims, if any, which may necessitate providing such information to third parties. Optional Extras Policy Wording 65

Section 8 Section 8 Scratch, Dent & Alloy Cover 66 Optional Extras Policy Wording

Scratch, Dent & Alloy Cover Scratch, Dent & Alloy Cover The purpose of this policy summary is to help you understand the insurance by setting out the significant features, benefits, limitations and exclusions. You should still read the policy wording for a full description of the terms of the insurance, including the policy definitions. This policy summary does not form part of the policy document. Significant features and benefits Cover is provided for the costs of parts and labour in the event of accidental damage to the bodywork or alloy wheels of the insured vehicle occurring during the period of insurance. The maximum individual claim limit in any one event is 250 (including VAT). The maximum claim limit within the period of insurance is 500 (including VAT). Exclusions and limitations To purchase this Policy you must be: The registered owner and keeper of the motor vehicle identified in the policy schedule; and You have purchased a motor insurance policy from an FCA authorised motor insurer. This insurance excludes: Alloy wheels with a chrome effect, split rim construction and/or Diamond Cut wheels; Any damage showing evidence of rust; Vehicles used for hire or reward (e.g. taxis, self-drive hire or driving schools), delivery courier fleet users or vehicles used in any sort of rally, speed-testing, racing of any kind or competition or trial; Vehicles exceeding 3500kg; Any damage caused by stickers or decals. Theft of alloy wheels; A defect not deemed to be accidental damage; Damage reported more than 14 days after discovery; The 30 day period after the inception of the first period of insurance during which a claim cannot be made; The first 25 of any claim. Insurer This policy is underwritten by UK General Insurance Limited on behalf of Ageas Insurance Ltd. Your policy is arranged by Business and Domestic Insurance Services, a trading style of The Motorway Direct Plc group of companies. Cooling off period Your Policy Administrator will refund in full your premium, if, within 14 days of purchasing this insurance you decide that it does not meet your needs providing that you have not reported or are intending to report a claim. Once the 14 days has expired you may cancel this insurance but no refund of premium will be given. Making a claim If you think that you have a claim which may be covered by this insurance please contact us on 0844 893 7805. When we acknowledge a claim we will do so by issuing a unique claim acknowledgement number. Repairs must not be started until we have given this number to the repair organisation. We will require the following information, so please have this to hand when telephoning: Your Policy number and vehicle registration number; Current mileage on your vehicle. Optional Extras Policy Wording 67

Scratch, Dent & Alloy Cover Complaints 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 follow the Complaints Procedure below: Please contact the administrator: Business & Domestic Administration Services Warranty House, Savile Street East, Don Valley, Sheffield S4 7UQ Tel: 0844 893 7805 Email: customerservices@businessanddomestic.co.uk If your complaint cannot be resolved by the end of the next working day, your administrator will pass it to: Customer Relations Department UK General Insurance Limited Cast House, Old Mill Business Park, Gibraltar Island Road Leeds LS10 1RJ Tel: 0845 218 2685 Email: customerrelations@ukgeneral.co.uk 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 and have an annual turnover of less than 2million and fewer than ten staff. You may contact the Financial Ombudsman Service at: The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, Docklands, London E14 9SR. This complaints procedure is in addition to your statutory rights as a consumer. For further information about your statutory rights contact your local authority Trading Standards Service or Citizens Advice Bureau. Compensation Scheme Ageas Insurance Ltd is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if they cannot complete their obligations. This depends on the type of business and the circumstances of the claim. For claims against insurers 90% of the claim is covered with no upper limit. Further information about the compensation scheme is available from www.fscs.org.uk or by phoning 0207 892 7300. 68 Optional Extras Policy Wording

Scratch, Dent & Alloy Cover Policy Wording Section 8 Scratch, Dent & Alloy Cover Policy Wording Thank you for choosing Scratch, Dent & Alloy Protect Insurance. The information in this policy wording contains important information and we have made it as easy as possible to understand. Please take time to read through it and contact us if you need any further information. Insurer This insurance is arranged by Business & Domestic Insurance Services a trading style of Motorway Direct Plc, Registered in England No. 311741. Registered Office: Warranty House, Savile Street East, Don Valley, Sheffield S4 7UQ. UK General Insurance Ltd on behalf of Ageas Insurance Limited, Registered in England No.354568. Registered Office: Ageas House, Hampshire Corporate Park, Templars Way, Eastleigh, Hampshire SO53 3YA Business & Domestic Insurance Services and UK General Insurance Limited is 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 This can be checked on the Financial Services Register by visiting the FCA s website at www. fca.org.uk What makes up this policy? This policy and the Certificate of Insurance or Confirmation of Coverage document must be read together as they form your insurance contract. Monetary limits We can insure you up to the Cover Limit as specified on your Certificate of Insurance or Confirmation of Coverage document. Cooling off period Your Policy Administrator will refund in full your premium, if, within 14 days of purchasing this insurance you decide that it does not meet your needs providing that you have not reported or are intending to report a claim. Once the 14 days has expired you may cancel this insurance but no refund of premium will be given. Jurisdiction and law This insurance policy will be governed by the laws of England, whose courts alone shall have jurisdiction in any dispute arising from this insurance. War and terrorism exclusion Notwithstanding any provision to the contrary within this insurance or any endorsement thereto it is agreed that this insurance excludes loss, damage, cost or expenses of whatsoever nature directly or indirectly caused by, resulting from or in connection with any of the following regardless of any other cause or event contributing concurrently or in any other consequence to the loss: 1. War, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power; 2. Or any act of terrorism. For the purpose of this statement; any act of terrorism means an act, including but not limited to the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organisation(s) or government(s), committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear. This Statement also excludes loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any action taken in controlling, preventing, suppressing or in any way relating to (1) and/or (2) above. If the underwriters allege that by reason of this exclusion, any loss, damage, cost or expense is not covered by this insurance the burden of proving the contrary shall be upon the Assured. In the event any portion of this Statement is found to be invalid or unenforceable, the reminder shall remain in full force and effect. Optional Extras Policy Wording 69

Scratch, Dent & Alloy Cover Policy Wording Section 8 Complaints 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 follow the Complaints Procedure below: Please contact the administrator: Business & Domestic Administration Services Warranty House, Savile Street East, Don Valley, Sheffield S4 7UQ Tel: 0844 893 7805 Email: bdicustomerrelations@ businessanddomestic.co.uk If your complaint cannot be resolved by the end of the next working day, your administrator will pass it to: Customer Relations Department UK General Insurance Limited, Cast House Old Mill Business Park, Gibraltar Island Road Leeds LS10 1RJ Tel: 0845 218 2685 Email: customerrelations@ukgeneral.co.uk 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 and have an annual turnover of less than 2million and fewer than ten staff. You may contact the Financial Ombudsman Service at: The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, Docklands, London E14 9SR. This complaints procedure is in addition to your statutory rights as a consumer. For further information about your statutory rights contact your local authority Trading Standards Service or Citizens Advice Bureau. Compensation Scheme Ageas Insurance Ltd is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if they cannot complete their obligations. This depends on the type of business and the circumstances of the claim. For claims against insurers 90% of the claim is covered with no upper limit.for claims against insurers 90% of the claim is covered with no upper limit. Further information about the compensation scheme is available from www.fscs.org.uk or by phoning 0207 892 7300. To purchase this Policy you must be: The registered owner and keeper of the motor vehicle identified in the policy schedule; and You have purchased a motor insurance policy from an FCA authorised motor insurer. Definitions Any word or expression to which a specific meaning has been attached will bear the same meaning throughout this Insurance and will appear in bold. Accidental Damage: Sudden and unexpected damage occurring at a specific time and caused by external means. Administrator: Business & Domestic Administration Services, Warranty House, Savile Street East, Don Valley, Sheffield S4 7UQ. Commencement Date: The date on which your insurance starts. This will be shown in your welcome letter, and is subject to a waiting period. When you renew this insurance, the commencement date shall mean the day following the date on which your existing cover expires. Consequential Loss: Any other costs that are directly or indirectly caused by the event which led to your claim unless specifically stated in this policy. Geographical Area: The area in which, this policy is effective namely Great Britain, Northern Ireland, the Isle of Man and the Channel Islands. Insurer, We, Us, Our: UK General Insurance Limited on behalf of Ageas Insurance Ltd. Insured, You, Your, Yourself: The legal owner of the vehicle which is shown on the schedule. Minor repair damage: Chips (not exceeding 1.5mm in diameter), minor dents and light scratches to your vehicle during the period of 70 Optional Extras Policy Wording

Scratch, Dent & Alloy Cover Policy Wording Section 8 insurance caused by day to day motoring which is limited to the repair or restoration of no more than two panels including Bumpers. Any repairs which are estimated to exceed 5 hours to complete, will not be considered to be minor repair damage. Period of Insurance: The length of time that this policy operates as stated on the policy schedule. Repairer: A franchisee or an appointed representative of a franchisee of the repair organisation. Repair Organisation: ChipsAway International Limited, whose registered address is at Churston House, Portsmouth Road, Esher, Surrey, KT10 9AD and any of its approved franchisees. Template: A Template supplied as an aid to identify damage covered by this policy. Vehicle: The vehicle which has been registered for cover with us of which you are the registered keeper and which you have insured with an FCA regulated and authorised motor insurer. Waiting Period: The 30 day period after the inception of the first period of insurance during which a claim can not be made. What is covered This insurance policy covers the following services: Minor Body Chips and Scratches Repair scratches made by stone chips, key scratches etc, and consistent with damage illustrated in the template. Scuffed Bumpers Ding and Dent Removal Alloy Wheels Repair cracks, dents and scuffs on painted or textured finish bumpers to match existing finishes. Dings and Dents up to one square inch manipulated back to original shape without the need for re-spraying. Cost of repairs resulting from accidental damage occurring within the geographical area to your alloy wheels. The maximum individual amount that can be claimed in respect of the above services in any one event is 250 inclusive of VAT, and the total amount that can be claimed during any one 12 month period is 500 inclusive of VAT. Each claim is subject to an excess of 25.00. Important Note You should note that some car body panels are not made from metal, but may be repairable. If you are not sure whether this will apply to your vehicle then please contact the person who sold you the policy to check that your vehicle can be covered. You should also note that this policy does not cover alloy wheels with a chrome effect finish or of split rim construction and/or Diamond Cut wheels. If you are not sure whether this will apply to your vehicle then please contact the person who sold you the policy to check that your vehicle can be covered. This insurance will only cover minor repair damage to your vehicle to a metal body panel not exceeding 15cm in diameter and where such panel has not been ripped, perforated or torn. As a guide it should be noted that minor repair damage that covers an area of greater than the size of an A4 sheet of paper will not be covered by this policy. Optional Extras Policy Wording 71

Scratch, Dent & Alloy Cover Policy Wording Section 8 No repair will be identical to an automotive factory finish, which is machine-sprayed to tolerances beyond human capability. Hence no repair will ever be as good as new. We and the repair organisation discharge our obligations under any repair agreement by providing a good quality, hand-completed aftermarket repair. In normal circumstances, such a repair is unlikely to be detected by a casual examination of the vehicle by an untrained observer unaware of the previous damage location. What is not covered? This insurance does not cover the following: Any damage showing evidence of rust; Vehicles used for business use other than journeys to and from a permanent place of work; Vehicles exceeding 3500kg, motorcycles, scooters, three wheeled vehicles, quad bikes, caravans or Motor homes, trailers, boats, hire or reward (e.g. taxis, self-drive hire or driving schools), delivery courier fleet users or vehicles used in any sort of rally, speed-testing, racing of any kind or competition or trial; Damage reported more than 14 days after discovery; Any damage caused by stickers or decals; Damage caused by a third party which caused bodily injury; Beading, moulding, locks and handles and any repair involving accessories, door mouldings, window mouldings, lamps of any sort or any window panel; Any damage that does not fit the definition of minor repair damage; Consequential loss of any kind; A defect which is deemed not to be accidental damage; General wear and tear or neglect; Any consequential loss or third party claims, bodily injury, road hazard, fire damage or any other losses beyond the actual scope of cover; Theft of Alloy wheels; Where the damage of your alloy wheels is deemed to be a manufacturing defect; Any repairs if they are covered by another insurance policy or motoring breakdown organisation. General Conditions By taking out this insurance you agree to comply with the following conditions. If you do not comply with them, we may choose to cancel your insurance, refuse to deal with your claim, or reduce the amount of your claim. 1. Cover will commence on the commencement date and run for the period of insurance as stated on your schedule. You cannot however make a claim in the first 30 days of your first period of insurance; 2. If you, or anyone acting on your behalf or with your knowledge or consent has used any fraudulent means, including inflating or exaggerating costs or submitting falsified documents, we will not pay that or any other claim. We will also take necessary action to recover any previous paid claims, declare the insurance void and may take legal action. We will not refund any premium; 3. You cannot transfer your insurance to another vehicle or owner; 4. Your insurance is in addition to your legal rights if your vehicle is found to be unfit for use or not of satisfactory quality; 5. We will not cover your vehicle if it is used for hire or reward (e.g. taxi or driving tuition), if it has been modified (unless we have agreed this before the commencement date), if it is over 35cwt, if it is used in any sort of race or other competition, or if it has been the subject of an insurance total loss; 6. Your insurance covers you only within the United Kingdom, Northern Ireland, the Channel Islands and the Isle of Man; 7. Failure to pay any premium instalment will result in the immediate suspension of cover and may result in cancellation. In the event of a claim, we may offset any outstanding premium against your claim settlement; 8. You should take all reasonable steps to maintain the vehicle in an efficient and roadworthy condition. 72 Optional Extras Policy Wording

Scratch, Dent & Alloy Cover Policy Wording Section 8 Cancellation You may cancel this insurance within 14 days of the commencement date or the date you receive your policy documentation, whichever the later. If we have made a claim payment to you or on your behalf during this time, you will have to return the money to us. After this time you may cancel your insurance at any time but no refund of premium is available. We may cancel your insurance by writing to you and giving you 14 days notice. We will write to your last known address. If we cancel your insurance we will refund to you the unused part of your premium, calculated pro-rata. You are required by the provisions of the Consumer Insurance (Disclosure and Representations) Act to take care to: a) supply accurate and complete answers to all the questions we or the administrator may ask as part of your application for cover under the policy; b) to make sure that all information supplied as part of your application for cover is true and correct; c) tell us of any changes to the answers you have given as soon as possible. Failure to provide answers in-line with the requirement of the Act may mean that your policy is invalid and that it does not operate in the event of a claim. Making a claim If you think that you have a claim which may be covered by this insurance, you must contact us on: 0844 893 7805. When we acknowledge a claim we will do so by issuing a unique claim acknowledgement number. Repairs must not be started until we have given this number to the repair organisation. We will require the following information, so please have this to hand when telephoning: Your Policy number and vehicle registration number; Current mileage on your vehicle. Please note Our claims department is open from 8.30 am to 5.30 pm Monday to Friday. The office is closed on Saturday and Sunday. All requests for the repair service must be made to us using the contact instructions provided by us from time to time. If you contact the Repair Organisation or one of its franchisees direct, you will have to settle the bill and we will be under no obligation to reimburse you. If for any reason, including but not limited to inclement weather, the repair organisation is unable to carry out the repair or collection at the time date or location indicated, any and all liability incurred by us and / or the repair organisation as a result shall be discharged by the repair organisation making an offer to conduct the repair at an alternative time date or location convenient to both parties, whether or not such time date and location is identified or such offer is accepted. Repairs may be completed at a location agreed with you, or at the repair organisation s nominated location. The repair organisation has absolute discretion to decide on the location for the repair. This decision may be changed, including on the date of the booked repair, as variable factors including but not limited to weather and available light affect the decision. If the repair organisation decides that the repair should be completed at a location other than that originally envisaged, you must authorise the repair organisation to remove the vehicle to such an appropriate location. Removal and return of the vehicle in these circumstances will be a service provided by the repair organisation at no further charge. You will be responsible for: 1. any repair commenced or carried out without prior authorisation; 2. costs incurred in the event the reported damage exceeds the template parameters; 3. any repair work completed by the repair organisation that falls outside the scope of this policy. The maximum individual claim limit in any one event is 250 (including VAT). The maximum claim limit within the period of insurance is 500 (including VAT). Optional Extras Policy Wording 73

Scratch, Dent & Alloy Cover Policy Wording Section 8 We reserve the right to refuse to provide or arrange repair where: a) You are not with your vehicle at the time of the repair and you are unable to be present at the time of repair; b) in our / our agents reasonable opinion, your vehicle is dangerous, over laden or unroadworthy; c) in our / our agents reasonable opinion due to the circumstances surrounding your request for service; the giving of service would involve any breach of the law; d) in our / our agents reasonable opinion, there has been an unreasonable delay in reporting the accidental damage and requesting the repair service, causing there to be further damage to your vehicle; e) You cannot produce a valid policy number (or appropriate receipt) and some other form of identification. If these cannot be produced, and we are unable to verify that the appropriate entitlement is held, we reserve the right to refuse service; f) in our / our agents reasonable opinion that you: I. or anyone accompanying you, is behaving or has behaved in a threatening or abusive manner to our agent or agents, or to any third party contractor; or II. have falsely represented that you are entitled to services that you are not entitled to; or III. have assisted another person in accessing policy services to which they are not entitled; or IV. owe us money with respect to any services, spare parts or other matters provided by us or by a third party on our instruction. The repair organisation undertakes to carry out the repairs indicated on their estimate. If it becomes clear during the work that, in the opinion of the repair organisation, further work is necessary to properly complete the repairs outlined on the estimate, the customer s authorisation and agreement will be obtained before any further work is undertaken that would increase the price shown on the estimate. If such authorisation is not forthcoming, the repair organisation reserves the right not to continue with the repairs that require the further work. In these circumstances the full estimate price remains payable by the customer. Further work that does not increase the estimate price may be proceeded with without the requirement for customer authorisation. The repair organisation repair system includes elements (including but not limited to factory paint reproduction recipe database) that are provided by third parties. Finish (including but not limited to colour) match may be approximate only when limitations of such third party supplied elements prevent a more precise finish match. In any such case, provision by the repair organisation of an approximate finish match will be considered supply of a good quality repair. It is your absolute responsibility to advise the repair organisation of any non-original finish areas on the vehicle. In case of incompatibility with a non-original finish (whether or not notified by you) the repair organisation has the right to void this contract in these circumstances, the repair organisation will not be obliged to complete or rectify any repair and you will not be obliged to make payment. Liability for mutual contractual mistake under this agreement rests with you. Assessing your claim We may require an independent opinion of your claim. We reserve the right to use an Independent Consulting Engineer to inspect your vehicle before we authorise a claim. Whilst we will make every effort to ensure this happens with the least delay and inconvenience to you, we shall not be liable for any losses you incur through any delay. On completion Wherever possible, we will pay the repair organisation directly up to the amount authorised. You must make arrangements to cover any costs not covered by your insurance. If you are VAT registered, we will not pay the VAT element of your claim. 74 Optional Extras Policy Wording

Scratch, Dent & Alloy Cover Policy Wording Section 8 You or the repair organisation must send us an original, fully detailed and itemised invoice. Please make sure that you clearly mark on the invoice, to whom we should make payment. Photocopies of invoices will not be accepted. We will only pay the amount authorised for the claim. Data Protection Act 1998 Please note that any information provided to us will be processed by us and our agents in compliance with the provisions of the Data Protection Act 1998, for the purpose of providing insurance and handling claims, if any, which may necessitate providing such information to third parties. Optional Extras Policy Wording 75

Section 9 Section 9 MOT Cover 76 Optional Extras Policy Wording

MOT Cover This policy summary provides you with the key features of this Insurance. Full terms and conditions can be found in the insurance document, available on request. Should you have any questions regarding this insurance please contact our Customer Services team on 0871 2301 213. Administration of this insurance This Insurance is underwritten by AmTrust International Underwriters Limited, a company registered in Ireland under Registration No. 169384 and whose Registered Office is at 40 Westland Row, Dublin 2, Ireland. AmTrust International Underwriters Limited is authorised and regulated by the Central Bank of Ireland and is licenced to operate in the United Kingdom under a Freedom of Services basis as directed by the European Communities (Non-Life Insurance) Framework Regulations, 1994, under Registration No 203014. This Insurance is administered and claims are handled on behalf of the Insurer by Motorway Direct Plc. Motorway Direct Plc is authorised and regulated by the Financial Conduct Authority (FCA), Financial Services Register number 311741. Registered Office, Warranty House, Savile Street East, Don Valley, Sheffield, S4 7UQ. Registered in England & Wales No. 03222540. Group VAT registration: 804 0501 84. What is covered The Insurance Subject to the correct premium having been paid, the Insurer will provide cover as detailed in this document. In the event that Your Vehicle fails its annual MOT test, This Insurance will contribute to the repair or replacement of the Components listed in the section headed What is Covered where they are shown as failing to meet current MOT standards on a Refusal of Issue an MOT test certificate (VT30) form. The most the Insurer will pay will be the amount shown on Your Schedule. Provided that the terms and conditions are complied with, This Insurance will contribute to the repair or replacement of the Components listed below where they are shown as failing to meet current MOT standards on a Refusal of Issue an MOT test certificate (VT30) form. The Insurer will compensate the person named on the proposal form (the insurance holder) against the repair, replacement or alteration of parts described in an MOT Inspection Report (VT30) prepared during the Period of Insurance which prevents the Vehicle specified on the proposal form (The Insured Vehicle) from being issued with a valid MOT certificate. The maximum amount We will pay (including labour and VAT) within the overall Claims Limit is 250 per Individual item (total of 650 in aggregate on Car or Van cover, and a total of 500 in aggregate on motorcycle cover). Please note, the claim is the actual failure to pass the MOT test and not the individual items cited. Optional Extras Policy Wording 77

MOT Cover Car and Van cover (aggregate claims limit 650) Lighting and Electrical Steering and Suspension Braking System Fuel System Seating and Security Headlights and adjustment,(excluding corroded or damaged adjustments) front end and rear side lights, brake lights, rear fog lights, hazard warning lights and controls, direction indicator lights and controls, front windscreen wiper mechanism (excluding wiper blades), horn and switch, lighting equipment is covered for failure due to discolouration, misalignment, corrosion and water ingress, damage caused by impact, accident or vandalism is not included. Wheel bearings, steering system (including power assisted steering) transmission shafts (excluding gaiters), front and rear suspension, shock absorbers, track control arms, kingpins, ball joints and wheel alignment. Service brake and hand brake (including failure due to seizure, cracks and leakage), ABS system (the warning light sequence when interrogated). Friction Components brake shoes, pads, discs and drums are not covered by This Insurance. Fuel leakage from tank or pipes (unless caused by accidental or impact damage or corrosion), fuel injection system and ECU are covered for failure to meet MOT exhaust gas emissions standards. Operation and security of the seatbelt system and mountings. Motorcycle cover (aggregate claims limit 500) Lighting and Electrical Steering and Suspension Braking System Fuel System Headlights, headlight adjustment, front and rear sidelights, brake lights, direction indicator lights and controls, horn and switch. Lighting equipment is covered for failure due to discolouration, misalignment, corrosion and water ingress. Cover does not extend to damage from an accident, vandalism or impact. Wheel bearings (front & rear), transmission shafts, front and rear suspension, shock absorbers. Front brake and rear brake (failure due to seizure, cracks and leakage). Friction Components - brake shoes, pads, drums and discs are service items which cannot be covered. Fuel leakage from tank or pipes (except where caused by corrosion, impact or accident). Carburettor and injection Components and ECU replacement are covered due to failure to meet MOT exhaust gas emission standards. 78 Optional Extras Policy Wording

MOT Cover What is not covered 1. Any excess detailed in Your Schedule. 2. Components other than those specifically listed in the What is covered section of This Insurance. 3. The cost of the MOT test and re-test fees. 4. Components which are not cited as failed on the VT30, but which are replaced during the course of the repair. 5. Advisory items noted on VT30. 6. Damage caused by defective wheel balance or alignment. 7. Damage caused by road traffic accident or fire. 8. Faults which occur during the period of guarantee of a manufacturer or supplier or items which are subject to a manufacturers recall. 9. Damage caused by corrosion unless specifically stated otherwise in What is Covered, improper use of Your Vehicle, neglect or abuse. 10. Any costs not agreed and authorised by Us. 11. Damage caused by the failure of Components not covered by This Insurance, or to Components not covered by This Insurance. 12. Vehicle structure. 13. Work carried out more than 30 days after the actual MOT failure. 14. Any repairs not authorised by Us prior to the repair work being carried out. 15. Your Vehicle if it is used for hire or reward (e.g. taxi, courier or driving tuition), it has been modified (unless We have agreed this before the Policy Start Date), if it is over 3500kg GVW, quad bikes or trikes, if it is used in any sort of race or rally or other competition, or if it has been the subject of an insurance total loss. 16. Any repairs if they are covered by another insurance policy, guarantee or motoring breakdown organisation, warranty or guarantee. 17. Any cost above 250 per individual item within the claim limit. Your right to cancel 1. You may cancel This Insurance within 14 days of the Issue Date* or the date on which You receive the contractual terms and conditions whichever occurs the later and obtain a full refund by contacting Our customer services department. If We have made a claim payment to You or on Your behalf during this time the total value of claims paid will be deducted from any refund due. Any refund of premium will be processed by the selling dealer. 2. After 14 days You may cancel This Insurance but no refund of premium is available and any outstanding premium instalments must be paid to Us in full. However where the Vehicle is subject to an insurance total loss or in the event of Your death, the unused part of Your premium, calculated pro-rata will be refunded less a 50 administration charge. If We have made a claim payment to You or on Your behalf during this time You will have to return the money to Us. Any refund of premium will be processed by the selling dealer. How to make a claim If you think that you have a fault which may be covered by this insurance, you must contact us in the first instance. The claims telephone number is: 0844 893 7805. Our commitment to good service We hope You will be completely happy with This Insurance but if something does go wrong, We would like to know about it. We will do Our best to resolve the issue and make sure it doesn t happen again. *The Issue Date will be confirmed in the Schedule, being the date on which You either concluded the contract of Insurance or the day on which You receive the contractual terms and conditions. Optional Extras Policy Wording 79

MOT Cover If You need to complain Complaints about the sale of This Insurance If You have any concerns regarding the sale of This Insurance, please contact the Seller. Complaints about This Insurance Please contact Our Customer Services Team either by telephone on 0844 854 1502, or by e-mail to customerservices@motorwaydirect. co.uk. Alternatively write to Us at Motorway Direct Plc, Warranty House, Savile Street East, Don Valley, Sheffield, S4 7UQ. We will acknowledge Your complaint within 5 working days. We will advise You who is dealing with it and when We expect to respond. We aim to respond fully within 8 weeks. However if We are unable to provide a final response within this period We will write to You before this time and advise why We have not been able to offer a final response and how long We expect Our investigations to take. If You remain unhappy with Our final response, or We have not managed to provide a final response within 8 weeks of Your complaint, You may be entitled to refer Your complaint to the Financial Ombudsman Service for help and advice. Tel: 0800 023 4567 or 0300 123 9123 Email: complaint.info@financial-ombudsman.org.uk Post: Insurance Division Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR Financial Services Compensation Scheme (FSCS) The Insurer is covered by the FSCS. You may be entitled to compensation from the scheme if the Insurer cannot complete Their obligations. This depends on the type of business and the circumstances of the claim. For claims against insurers 90% of the claim is covered with no upper limit. Further information about the compensation scheme is available from www.fscs.org.uk or by phoning 0800 678 1100 or 0207 741 4100. Please make sure You always quote Your policy number from the Schedule. This complaints procedure doesn t affect Your statutory rights. How to contact us Motorway Direct Plc Warranty House, Savile Street East, Don Valley, Sheffield, S4 7UQ. Claims Line: 0844 893 7805 Claims Fax: 0844 854 1501 Customer Services: 0844 854 1502 E-mail: customerservices@motorwaydirect.co.uk E-mail: claims@motorwaydirect.co.uk Telephone calls may be monitored and recorded for quality assurance and compliance. 80 Optional Extras Policy Wording

MOT Cover Policy Wording Section 9 MOT Cover Policy Wording Welcome Thank you for choosing Us for your insurance. This document contains the full policy terms and conditions which should be read along with the Schedule issued to you by the Seller. We have tried to make this policy wording clear and easy to understand, using plain English wherever possible. However, if you do have any questions, please call Our Customer Services team on 0844 854 1502 or email customerservices@motorwaydirect.co.uk, who will be happy to help. This Insurance is available for vehicles purchased through an appointed Motorway Direct Plc Seller. If You have any query regarding the sale or arrangement of This Insurance, please contact the Seller through whom This Insurance was provided. Administration of This Insurance This Insurance is underwritten by AmTrust International Underwriters Limited, a company registered in Ireland under Registration No. 169384 and whose Registered Office is at 40 Westland Row, Dublin 2, Ireland. AmTrust International Underwriters Limited is authorised and regulated by the Central Bank of Ireland and is licenced to operate in the United Kingdom under a Freedom of Services basis as directed by the European Communities (Non-Life Insurance) Framework Regulations, 1994, under Registration No 203014. This Insurance is administered and claims are handled on behalf of the Insurer by Motorway Direct Plc. Motorway Direct Plc is authorised and regulated by the Financial Conduct Authority (FCA), Financial Services Register number 311741. Registered Office; Warranty House, Savile Street East, Don Valley, Sheffield, S4 7UQ. Registered in England & Wales No. 03222540. Group VAT registration: 804 0501 84. For details of authorised firms visit the FCA website on www.fca.org.uk or by contacting the FCA consumer helpline on 0800 111 6768. The Insurer is covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if We cannot meet Our obligations to you. This depends on the type of business and circumstances of the claim. Insurance arranging and administration is covered for 90% of the claim with no upper limit. You can learn more about this scheme What is covered by this Insurance In the event that Your Vehicle fails its annual MOT test, this Insurance will contribute to the repair or replacement of the Components listed in the section headed What is Covered where they are shown as failing to meet current MOT standards on a Refusal of Issue an MOT test certificate (VT30) form. The most the Insurer will pay will be the amount shown on Your Schedule. What is covered The Insurance Subject to the correct premium having been paid, the Insurer will provide cover as detailed in this document. In the event that Your Vehicle fails its annual MOT test, This Insurance will contribute to the repair or replacement of the Components listed in the section headed What is Covered where they are shown as failing to meet current MOT standards on a Refusal of Issue an MOT test certificate (VT30) form. The most the Insurer will pay will be the amount shown on Your Schedule. Provided that the terms and conditions are complied with, This Insurance will contribute to the repair or replacement of the Components listed below where they are shown as failing to meet current MOT standards on a Refusal of Issue an MOT test certificate (VT30) form. The Insurer will compensate the person named on the proposal form (the insurance holder) against the repair, replacement or alteration of parts described in an MOT Inspection Report (VT30) prepared during the Period of Insurance which prevents the Vehicle specified on the proposal form (The Insured Vehicle) from being issued with a valid MOT certificate. Optional Extras Policy Wording 81

MOT Cover Policy Wording Section 9 The maximum amount We will pay (including labour and VAT) within the overall Claims Limit is 250 per Individual item (total of 650 in aggregate on Car or Van cover, and a total of 500 in aggregate on motorcycle cover). Please note, the claim is the actual failure to pass the MOT test and not the individual items cited. Car and Van cover (aggregate claims limit 650) Lighting and Electrical Steering and Suspension Braking System Fuel System Seating and Security Headlights and adjustment,(excluding corroded or damaged adjustments) front end and rear side lights, brake lights, rear fog lights, hazard warning lights and controls, direction indicator lights and controls, front windscreen wiper mechanism (excluding wiper blades), horn and switch, lighting equipment is covered for failure due to discolouration, misalignment, corrosion and water ingress, damage caused by impact, accident or vandalism is not included. Wheel bearings, steering system (including power assisted steering) transmission shafts (excluding gaiters), front and rear suspension, shock absorbers, track control arms, kingpins, ball joints and wheel alignment. Service brake and hand brake (including failure due to seizure, cracks and leakage), ABS system (the warning light sequence when interrogated). Friction Components brake shoes, pads, discs and drums are not covered by This Insurance. Fuel leakage from tank or pipes (unless caused by accidental or impact damage or corrosion), fuel injection system and ECU are covered for failure to meet MOT exhaust gas emissions standards. Operation and security of the seatbelt system and mountings. Motorcycle cover (aggregate claims limit 500) Lighting and Electrical Steering and Suspension Braking System Fuel System Headlights, headlight adjustment, front and rear sidelights, brake lights, direction indicator lights and controls, horn and switch. Lighting equipment is covered for failure due to discolouration, misalignment, corrosion and water ingress. Cover does not extend to damage from an accident, vandalism or impact. Wheel bearings (front & rear), transmission shafts, front and rear suspension, shock absorbers. Front brake and rear brake (failure due to seizure, cracks and leakage). Friction Components - brake shoes, pads, drums and discs are service items which cannot be covered. Fuel leakage from tank or pipes (except where caused by corrosion, impact or accident). Carburettor and injection Components and ECU replacement are covered due to failure to meet MOT exhaust gas emission standards. 82 Optional Extras Policy Wording

MOT Cover Policy Wording Section 9 What is not covered 1. Any excess detailed in Your Schedule. 2. Components other than those specifically listed in the What is covered section of This Insurance. 3. The cost of the MOT test and re-test fees. 4. Components which are not cited as failed on the VT30, but which are replaced during the course of the repair. 5. Advisory items noted on VT30. 6. Damage caused by defective wheel balance or alignment. 7. Damage caused by road traffic accident or fire. 8. Faults which occur during the period of guarantee of a manufacturer or supplier or items which are subject to a manufacturers recall. 9. Damage caused by corrosion unless specifically stated otherwise in What is Covered, improper use of Your Vehicle, neglect or abuse. 10. Any costs not agreed and authorised by Us. 11. Damage caused by the failure of Components not covered by This Insurance, or to Components not covered by This Insurance. 12. Vehicle structure. 13. Work carried out more than 30 days after the actual MOT failure. 14. Any repairs not authorised by Us prior to the repair work being carried out. 15. Your Vehicle if it is used for hire or reward (e.g. taxi, courier or driving tuition), it has been modified (unless We have agreed this before the Policy Start Date), if it is over 3500kg GVW, quad bikes or trikes, if it is used in any sort of race or rally or other competition, or if it has been the subject of an insurance total loss. 16. Any repairs if they are covered by another insurance policy, guarantee or motoring breakdown organisation, warranty or guarantee. 17. Any cost above 250 per individual item within the claim limit. How to make a claim Important When We authorise a claim We will do so by issuing a unique claim authorisation number. Repairs must not be started until We have given this number to You or Your garage. If Your Vehicle fails its MOT test, please make sure You have the VT30 (Notification of Refusal) which gives the reasons why the MOT certificate cannot be issued. You must contact Us in the first instance. The claims telephone number is: 0844 893 7805. Your policy number and Vehicle registration number; Current mileage of Your Vehicle; Details of the Vehicle service history. Please note Our claims department is open from 9.00am to 5.00pm Monday to Friday, and 8.30am to 12.30pm on Saturday. The office is closed on Sunday. You will need to take Your Vehicle to a repairer. We have a nationwide network of nominated repairers who are familiar with Our claims and billing procedures. We recommend these repairers wherever possible. If a suitable nominated repairer cannot be located We will agree with You a local alternative. The garage who carried out the MOT test may be able to carry out repairs on Your behalf. Ask the repairer to prepare an estimate and telephone Us, prior to any repairs being carried out. We will discuss the claim with the repairer and agree which items are covered by This Insurance and the cost of repairing or replacing these. Assessing Your claim We or the Insurer may require an independent opinion of Your claim. We reserve the right to use an independent consulting engineer to inspect Your Vehicle, the failed Components and service history before We authorise a claim. Whilst We will make every effort to ensure this happens with the least delay and inconvenience to You, We and the Insurer shall not be liable for any losses You incur through any delay outside Our control. Optional Extras Policy Wording 83

MOT Cover Policy Wording Section 9 Not all the cost of the repair will always be covered by This Insurance. Additional repair costs and those not covered by This Insurance must be paid for by You. Labour and Parts costs Labour times that can be claimed under This Insurance will be in accordance with the time given in Glass s ICME Manual, in line with the rates charged by Our nominated repairs unless agreed beforehand. We may ask the repairer to use guaranteed exchange units or factor parts in repairing Your Vehicle. Any costs We agree will be based on the prices for these parts. Not all the cost of the repair will always be covered by This Insurance. Additional repair costs and those not covered by This Insurance must be paid for by You. On completion Wherever possible, We will pay the repairer directly up to the amount authorised. You must make arrangements to cover any costs not covered by This Insurance. If You are VAT registered, We will not pay the VAT element of Your claim. You or the repairer must send Us the original, fully detailed and itemised invoice and any service proof that has been requested, a copy of the previous valid MOT certificate and the VT30 which detailed the defects on Your Vehicle. Please make sure that You clearly mark on the invoice, to whom We should make payment. Photocopies of invoices will not be accepted. We will only pay the amount authorised for the claim. Terms used in this Insurance What the terms mean Any word or expression to which a specific meaning has been attached will have that same meaning throughout This Insurance and will appear with a capital letter. 1. Claims Excess means the first amount of any claim that You are responsible for on each and every claim under This Insurance. The Claims Excess will be detailed on the Schedule. 2. Component(s) means any mechanical, electrical or electronic Components which form part of the Vehicle manufacturer s original specification, detailed as covered in the section headed What is covered. 3. Geographical Limits means the area in which This Insurance is effective, this being the United Kingdom. 4. Glass s ICME Manual means the annually updated repair times guide published by Glass s, used by the Institute of Automotive Engineer Assessors as the recognised industry source for mechanical and electrical repair times information. 5. Insurer / They / Their means AmTrust International Underwriters Limited, 40 Westland Row, Dublin 2, Ireland. 6. Issue Date will be confirmed in the Schedule, being the date on which You either concluded the contract of Insurance or the day on which You receive the contractual terms and conditions. 7. Period of Cover means the length of time that This Insurance operates as stated in the Schedule. 8. Policy Start Date means the date on which This Insurance starts as shown in the Schedule. 9. Schedule means the part of This Insurance that contains details of You and Your Vehicle, cover selected, the Period of Insurance, claim limits and any applicable Claims Excess. 10. Seller means the appointed selling dealer or agent through whom This Insurance was arranged. 11. This Insurance means the cover detailed in this policy document. 12. UK means the United Kingdom, Channel Islands and Isle of Man. 13. Vehicle means the Vehicle shown in the Schedule. 14. We / Us / Our means Motorway Direct Plc. 15. You / Your / Yourself means the policy holder named in the Schedule. 84 Optional Extras Policy Wording

MOT Cover Policy Wording Section 9 General conditions By taking out This Insurance You agree to comply with the following conditions. If You do not comply with them, We or the Insurer may choose to cancel This Insurance, refuse to deal with Your claim, or reduce the amount of Your claim. 1. During the Period of Insurance You must have the Vehicle serviced in accordance with the Manufacturers Service Schedule. If You do not keep this Schedule You will invalidate This Insurance. 2. You are expected to understand the warning lights and gauges on Your Vehicle and ensure that they are operating correctly. 3. If You, or anyone acting on Your behalf or with Your Knowledge or consent has been used any fraudulent means, including inflating or exaggerating costs or submitting falsified documents, We will not pay that or any other claim. We will also take any necessary action to recover any previous paid claims, declare This Insurance void and may take legal action and notify the Vehicle Inspectorate Executive Agency. We will not refund any premium. 4. This Insurance cannot be transferred from Your Vehicle to any other vehicle. 5. The benefits of This Insurance may not be assigned to a third party. If You sell and/or transfer Your Vehicle to another person, motor dealer or trader during the Period of Insurance all cover will expire upon such sale/transfer and no premium will be refundable. 6. This Insurance is limited to a maximum of one claim, to the maximum amount stated on the Schedule in any 12 month period from the MOT issue date. 7. We and the Insurer do not guarantee the mileage quoted in Your Schedule as being the true mileage covered by Your Vehicle. It is only intended as a guide to when servicing is due. 8. This Insurance covers You only within the United Kingdom. 9. This Insurance does not cover any indirect damage, losses or third party claims, bodily injury, road hazard, fire damage or any other losses beyond the actual scope of cover. 10. This Insurance only comes into effect when Your Vehicle is within 30 days of its next MOT due date. 11. Repairs must be completed within 30 days of issue of a VT30 document failing Your Vehicle on its MOT test. 12. Unless We or the Insurer have agreed otherwise in writing, This Insurance will be governed by English law. 13. The Terms and Conditions and all other information concerning This Insurance are supplied in the English Language and the Insurer undertakes to communicate in this language for the duration of This Insurance. 14. The Contracts (Rights of Third Parties) Act 1999 Save for the rights granted to Us under this contract any person or company who is not party to this contract does not have any rights they can enforce under this contract by virtue of the Contracts (Rights of Third Parties) Act 1999 except those they have by law. 15. If You have elected to pay Your premium on a credit funding agreement You must be over 18 years of age at the time of Your application. Failure to pay any premium instalment will result in the immediate suspension of cover and may result in cancellation. In the event of a claim, We may offset any outstanding premium against Your claim settlement. Cancellation 1. You may cancel This Insurance within 14 days of the Issue Date or the date on which You receive the contractual terms and conditions whichever occurs the later and obtain a full refund by contacting Our customer services department. If We have made a claim payment to You or on Your behalf during this time the total value of claims paid will be deducted from any refund due. Any refund of premium will be processed by the selling dealer. 2. After 14 days You may cancel This Insurance but no refund of premium is available and any outstanding premium Optional Extras Policy Wording 85

MOT Cover Policy Wording Section 9 instalments must be paid to Us in full. However where the Vehicle is subject to an insurance total loss or in the event of Your death, the unused part of Your premium, calculated pro-rata will be refunded less a 50 administration charge. If We have made a claim payment to You or on Your behalf during this time You will have to return the money to Us. Any refund of premium will be processed by the selling dealer. 3. We or the Insurer may cancel This Insurance by writing to You and giving You 14 days notice. We will write to Your last known address. If We cancel This Insurance We will refund to You the unused part of Your premium, calculated pro-rata. Our commitment to good service We hope You will be completely happy with This Insurance but if something does go wrong, We would like to know about it. We will do Our best to resolve the issue and make sure it doesn t happen again. If You need to complain Complaints about the sale of This Insurance If You have any concerns regarding the sale of This Insurance, please contact the Seller. Complaints about This Insurance Please contact Our Customer Services Team either by telephone on 0844 854 1502, or by e-mail to customerservices@motorwaydirect. co.uk. Alternatively write to Us at Motorway Direct Plc, Warranty House, Savile Street East, Don Valley, Sheffield, S4 7UQ. We will acknowledge Your complaint within 5 working days. We will advise You who is dealing with it and when We expect to respond. We aim to respond fully within 8 weeks. However if We are unable to provide a final response within this period We will write to You before this time and advise why We have not been able to offer a final response and how long We expect Our investigations to take. If You remain unhappy with Our final response, or We have not managed to provide a final response within 8 weeks of Your complaint, You may be entitled to refer Your complaint to the Financial Ombudsman Service for help and advice. Tel: 0800 023 4567 or 0300 123 9123 Email: complaint.info@financial-ombudsman.org.uk Post: Insurance Division Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR Financial Services Compensation Scheme (FSCS) The Insurer is covered by the FSCS. You may be entitled to compensation from the scheme if the Insurer cannot complete Their obligations. This depends on the type of business and the circumstances of the claim. For claims against insurers 90% of the claim is covered with no upper limit. Further information about the compensation scheme is available from www.fscs.org.uk or by phoning 0800 678 1100 or 0207 741 4100. Please make sure You always quote Your policy number from the Schedule. This complaints procedure doesn t affect Your statutory rights. Data protection For the purposes of the Data Protection Act 1998, the data controller in relation to the information You supply is Motorway Direct Plc, (Company No: 03222540 England), Warranty House, Savile Street East, Don Valley, Sheffield S4 7UQ. We will share the information You provide, together with other information, only with Our Motorway Direct Plc group companies. We will use this for administration, marketing, customer services and profiling Your purchasing preferences. We will disclose Your information to the Insurer, Our service providers and agents for these purposes. We may keep Your information for a period to contact You about Our services. We may share Your information with other organisations, who are Our business partners. We, or They, may contact You by mail or telephone to let You know about any goods, services or promotions, which may be of interest to You. If You decide You do not wish to receive such information in these ways, please inform Us, but remember that this will prevent You from receiving Our special offers or promotions. 86 Optional Extras Policy Wording

MOT Cover Policy Wording Section 9 If You would like to receive such information by email, fax or SMS text messaging but have not told Us please contact Us. We or the Insurer may transfer Your information outside of the European Economic Area, for example the United States of America. We or the Insurer will only do this where it is necessary for the conclusion, or performance of a contract between You and Us or the Insurer, or that We or the Insurer enter into at Your request, in Your interest, or for administrative purposes. When You have given Us information about another person, You confirm that they have authorised You to act for them, to consent to the processing and use of their personal data in the manner described in this notice and to receive on their behalf any data protection notice. You have the right to ask for a copy of Your information and to correct any inaccuracies. We may record telephone calls for staff training and evidential purposes. Sensitive data If You have given Us consent to use Your sensitive personal data (e.g. if appropriate, health data for Your registration under the Motability Scheme), it will only be processed in order to provide the service requested. How to contact us Motorway Direct Plc Warranty House, Savile Street East, Don Valley, Sheffield, S4 7UQ. Claims Line: 0844 893 7805 Claims Fax: 0844 854 1501 Customer Services: 0844 854 1502 E-mail: customerservices@motorwaydirect.co.uk E-mail: claims@motorwaydirect.co.uk Telephone calls may be monitored and recorded for quality assurance and compliance. Optional Extras Policy Wording 87

Section 10 Section 10 Driver s Licence Cover 88 Optional Extras Policy Wording

Driver s Licence Cover Driver s Licence Cover Introduction This document sets out the significant benefits and exclusions of the cover and should be read in conjunction with the policy wording. Insurer Your policy is arranged by Business & Domestic Insurance Services, a trading style of the Motorway Direct Plc group of companies. Benefits under this policy are underwritten by UK General Insurance Limited on behalf of Ageas Insurance Limited Registered in England No.354568. Registered Office: Ageas House, Hampshire Corporate Park, Templars Way, Eastleigh, Hampshire SO53 3YA Motorway Direct Plc and UK General Insurance 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. Who is eligible to purchase Licence Protect Insurance? Any person: 1. Who is a permanent resident of the United Kingdom; 2. Aged 18 and over at the inception date of the policy; 3. Has endorsement points relating to Speeding (SP) only that take you to ban; 4. Has at the inception of the policy incurred eight or less penalty points in the last three years. Cover provided This policy provides benefits covering alternative travel costs incurred by you for a period not exceeding six (6) months if, during the period of insurance, you are prevented from driving as a result of: Disqualification following the accumulation of twelve or more penalty points under Section 35 of the Road Traffic Offenders Act 1988 (totting up procedure), or any amendments thereof; Disqualification for a single speeding offence under Section 89 of the Road Traffic Regulation Act 1984 and Schedule 2 of the Road Traffic Offenders Act 1988 (speeding), or any amendments thereof; Disqualification under any similar legislation in force in Scotland, Wales, Northern Ireland; Loss of Licence through the DVLA for certain medical conditions occurring during a policy year only for neurological conditions, heart failure or stroke, seizures, injury following an accident only. General exclusions that apply to the whole policy We will NOT pay a claim under this policy in the event that: 1. If you make a claim under this policy that is false or fraudulent in any way, the policy is void and any claim will not be paid; 2. You are not a resident of the United Kingdom; 3. You are not legally entitled to drive the motor vehicle that was being driven at the time of the incident or incidents giving rise to the claim; 4. The offence or offences leading to disqualification from driving occurred outside the United Kingdom; 5. You have, at the commencement of the first period of insurance, more than eight penalty points for an offence or offences committed within the previous three years endorsed on your driving licence; 6. Any endorsement points added to your licence when not related directly to speeding when on eight points or above; 7. You have, at the commencement of the first period of insurance, committed an offence that results or may result in your driving licence being endorsed with penalty points that, on their own or with other relevant penalty points, total more than eight points. Claims section Please call the claims administrator on 0844 893 7805 to notify your claim with them. The claims administrator will register your claim. Optional Extras Policy Wording 89

Driver s Licence Cover They will send an acknowledgement letter with a claim form for you to complete. Please post a copy of this acknowledgement, the completed claim form and all supporting documentation to: Business & Domestic Administration Department Licence Protect Claims Warranty House, Savile Street East, Don Valley, Sheffield, South Yorkshire S4 7UQ. Complaints procedure 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 follow the Complaints Procedure below: Complaints regarding: Sale of the policy Please contact Business & Domestic who arranged the insurance on your behalf. Business & Domestic Venture House Arlington Square, Bracknell, Berkshire RG12 1WA If your complaint about the sale of your policy cannot be resolved by the end of the next working day, Business & Domestic will pass it to: Customer Relations Department UK General Insurance Limited Cast House, Old Mill Business Park, Gibraltar Island Road, Leeds LS10 1RJ Tel: 0844 854 1498 Email: customerrelations@ukgeneral.co.uk Claims Business & Domestic Administration Warranty House Savile Street East, Don Valley Sheffield S4 7UQ In all correspondence please state that your insurance is provided by UK General Insurance Limited and quote scheme reference 05458A. If your complaint about your claim cannot be resolved by the end of the next working day, Business & Domestic Administration will pass it to: Customer Relations Department UK General Insurance Limited Cast House, Old Mill Business Park, Gibraltar Island Road Leeds LS10 1RJ Tel: 0844 854 1498 Email: customerrelations@ukgeneral.co.uk 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 and have an annual turnover of less than 2 million and fewer than ten staff. You may contact the Financial Ombudsman Service at: The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, Docklands, London E14 9SR. Compensation Scheme Ageas Insurance 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. Most insurance contracts are covered for 90% of the claim with no upper limit. You can get more information about compensation scheme arrangements from the FSCS or visit www.fscs.org.uk. Data Protection Please note that any information provided to us will be processed by us and our agents in compliance with the provisions of the Data Protection Act 1998, for the purpose of providing insurance and handling claims, if any, which may necessitate providing such information to third parties. We may also send the information in confidence for process to other companies acting on their instructions including those located outside the European Economic Area. 90 Optional Extras Policy Wording

Driver s Licence Cover Policy Wording Section 10 Driver s Licence Cover Policy Wording Introduction Thank you for choosing Business & Domestic Driver s Licence Cover and welcome to peace of mind loss of driving licence insurance. The information in this policy wording contains important information and we have made it as easy as possible to understand. Please take time to read through it and contact us if you need any further information. Insurer Benefits under this policy are underwritten by UK General Insurance Limited on behalf of Ageas Insurance Limited Registered in England No.354568. Registered Office: Ageas House, Hampshire Corporate Park, Templars Way, Eastleigh, Hampshire SO53 3YA Driver s Licence Cover Insurance is arranged by: Business & Domestic Insurance Services a trading style of Motorway Direct Plc with UK General Insurance Limited on behalf of Ageas Insurance Limited. Motorway Direct Plc are authorised and regulated by the Financial Conduct Authority (FCA), authorisation number 311741. Our address is Warranty House, Savile Street East, Don Valley, Sheffield, South Yorkshire S4 7UQ. Motorway Direct Plc and UK General Insurance 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. This can be checked on the Financial Services Register at www.fca.org.uk/firms/ systems-reporting/register or by calling them on 0800 111 6768. Who is eligible to purchase Driver s Licence Cover Insurance? Any person: 1. Who is a permanent resident of the United Kingdom; 2. Aged 18 and over at the inception date of the policy; 3. Has endorsement points relating to Speeding (SP) only that take you to ban; 4. Has at the inception of the policy incurred eight or less penalty points in the last three years. What makes up this policy? This policy and the certificate of insurance must be read together as they form your insurance contract. Definitions The following words are used throughout the policy and have a special meaning and appear in bold. The meanings are given below: You, your, insured person, the insured: The person(s) whose name appears on the certificate of insurance or confirmation of coverage documentation. We, us, our: UK General Insurance Limited on behalf of Ageas Insurance Limited. Period of insurance: The period of insurance stated in your certificate of insurance. Alternative travel costs: Expenses that you now incur for a typical weekday / weekend travelling to and from your work and social activities. We will look to you in providing us with all necessary documentation to verify your usual travel patterns. First period of insurance: The period of insurance commencing on the date when your application for cover under the loss of licence policy was first accepted. Motor vehicle: A motor vehicle (not being an invalid carriage) which is constructed for the carriage of passengers and their effects and is adapted to carry not more than eight passengers and does not exceed three tons, of which you are the owner or which you are authorised to drive, or a motor cycle (not being an invalid carriage) which is a mechanically propelled vehicle with fewer than four wheels of which the weight unladen does not exceed 410 kilograms, of which you are the owner or which you are authorised to drive. Any motor insurance policy in force must be current and valid and provided by an FCA regulated and authorised UK insurer. Driving licence: Full driving licence valid in the Optional Extras Policy Wording 91

Driver s Licence Cover Policy Wording Section 10 United Kingdom, defined here as England, Scotland, Wales and Northern Ireland. Totting up: If you incur 12 points or more within a period of three years you will be liable to be disqualified under the totting-up system. Offence or offences leading to disqualification can be found on the Driver and Vehicle Licensing Agency (DVLA) website: www.direct.gov.uk/motoring/driverlicensing/ endorsementanddisqualification. United Kingdom: England, Scotland, Wales and Northern Ireland. Policy administrator: Your policy is administrated by Business & Domestic Administration, Warranty House, Savile Street East, Don Valley, Sheffield S4 7UQ. Claims administrator: Any claim will be administrated by Business & Domestic Administration, Warranty House, Savile Street East, Don Valley, Sheffield S4 7UQ. What are you covered for? This policy provides benefits covering alternative travel costs incurred by you for a period not exceeding six (6) months if, during the period of insurance, you are prevented from driving as a result of: Disqualification following the accumulation of twelve or more penalty points under Section 35 of the Road Traffic Offenders Act 1988 (totting up procedure), or any amendments thereof; Disqualification for a single speeding offence under Section 89 of the Road Traffic Regulation Act 1984 and Schedule 2 of the Road Traffic Offenders Act 1988 (speeding), or any amendments thereof; Disqualification under any similar legislation in force in Scotland, Wales, Northern Ireland; Loss of licence through the DVLA for certain medical conditions occurring during a policy year only, for neurological conditions, heart failure or stroke, seizures, injury following an accident only. Level & Monetary limits Level 1 Level 2 Level 3 The maximum amount payable in any one month is 500 (up to a maximum of 3,000 per year) The maximum amount payable in any one month is 1,000 (up to a maximum of 6,000 per year) The maximum amount payable in any one month is 2,000 (up to a maximum of 12,000 per year) Regardless of the level of indemnity chosen; in the event of a claim the amount payable will be payable over a six (6) month period. Cancellation If you decide that for any reason, this policy does not meet your insurance needs then please return it to the selling broker within 14 days of issue. On the condition that no claims have been made or are pending, we will then refund your premium in full. Thereafter you may cancel the insurance cover at any time by informing the selling broker however no refund of premium will be payable. We shall not be bound to accept renewal of any insurance and may at any time cancel any insurance document by giving 14 days notice in writing where there is a valid reason for doing so. A cancellation letter will be sent to you at your last known address. Valid reasons may include but are not limited to: a) Fraud; b) Non-payment of premium; c) Threatening and abusive behaviour; d) Non-compliance with policy terms & conditions. 92 Optional Extras Policy Wording

Driver s Licence Cover Policy Wording Section 10 Provided the premium has been paid in full you will be entitled to a proportionate rebate of premium in respect of the unexpired period showing on the insurance. Jurisdiction and law Unless some other law is agreed in writing, this policy is governed by English law. If there is a dispute, it will only be dealt with in the courts of England or of the country within the United Kingdom in which your main residence is situated. Claims section Please call the claims administrator on 0844 893 7805 to notify your claim with them. The claims administrator will register your claim. They will send an acknowledgement letter with a claim form for you to complete. Please post a copy of this acknowledgement, the completed claim form and all supporting documentation to: Business & Domestic Administration Department Driver s Licence Cover Claims Warranty House, Savile Street East, Don Valley, Sheffield, South Yorkshire S4 7UQ. Supporting documentation: 1. Copy of your certificate of insurance; 2. Copy of your current certificate of motor insurance issued by your car insurer; 3. Copy of your driving licence valid in the United Kingdom; 4. Copy of your passport; 5. Evidence of the period of disqualification; 6. Documentation as evidence of alternative transport costs required each month for 6 months: a) You must submit a daily account listing the journeys made and the cost; b) Where you use a nominated person to act as a driver you must produce documentation to confirm that the driver has been employed by you, that the monies have passed from you to the driver, and that they are complying with all national insurance and taxation regulations; c) Where you use methods of transportation other than a nominated person to act as a driver you may be requested to provide evidence that the transport you have chosen complies with all licensing and insurance regulations. Failure to follow these steps may jeopardise the reimbursement of your costs. UK General Insurance Limited are an agent of Ageas Insurance Limited and in the matters of a claim act on behalf of Ageas Insurance Limited. General exclusions that apply to the whole policy We will NOT pay a claim under this policy in the event that: 1. If you make a claim under this policy that is false or fraudulent in any way, the policy is void and any claim will not be paid; 2. You are not a resident of the United Kingdom; 3. You are not legally entitled to drive the motor vehicle that was being driven at the time of the incident or incidents giving rise to the claim; 4. The offence or offences leading to disqualification from driving occurred outside the United Kingdom; 5. You have, at the commencement of the first period of insurance, more than eight penalty points for an offence or offences committed within the previous three years endorsed on your driving licence; 6. Any endorsement points added to your licence when not related directly to speeding when on eight points or above; 7. You have, at the commencement of the first period of insurance, committed an offence that results or may result in your driving licence being endorsed with penalty points that, on their own or with other relevant penalty points, total more than eight points. Optional Extras Policy Wording 93

Driver s Licence Cover Policy Wording Section 10 General conditions in addition to those shown elsewhere in this policy 1. No claim for benefits under this policy may be made until you have paid the full annual premium due to Business & Domestic for the period of insurance; 2. During the period of insurance the maximum benefits payable under each level of cover shall not exceed the maximum benefit stated above; 3. Alternative travel costs will only be paid for a maximum of six months following disqualification. Travel expenses that arise from a period of disqualification that exceeds twelve months will not be covered; 4. If the period of disqualification is less than six months, our liability shall not exceed the sum of the monthly proportion of the maximum benefit payable under each level of cover; 5. Alternative travel costs will only be paid for one claim within any one period of insurance; 6. If an incident occurs within the period of insurance that leads to disqualification but you are disqualified from driving as a result of the incident after the period of insurance, you will be covered by the policy; 7. The claims administrator must be notified within thirty-one days of disqualification from driving; 8. Alternative travel costs may include a nominated person to act as a driver however, the driver must comply with all national insurance and taxation regulations; 9. We may, instead of accepting your nominated person, nominate a person of our choice to act as a driver; 10. If you use methods of transportation other than a nominated person to act as a driver the persons/companies used must be licenced and insured for the purpose of providing vehicles and drivers for hire and gain; 11. Alternative travel costs exclude any costs for your travel, which would have been incurred by you irrespective of disqualification, such as petrol expenses; 12. If, during the period of insurance, you were covered by any other insurance for the cost of alternative means of transport following disqualification, which resulted in a valid claim under this policy, we will only pay our share of the claim; 13. If, at the time of renewal, you have exceeded the policy totting up maximum of eight points; 14. This policy is not transferable and, subject to cancellation by us, no premium or part thereof paid by you shall be refunded in any circumstances whatsoever; 15. Payment of an insured benefit to you shall be a valid discharge of our liability; 16. You are required by the provisions of the Consumer Insurance (Disclosure and Representations) Act to take care to: a) supply accurate and complete answers to all the questions we or the administrator may ask as part of your application for cover under the policy; b) to make sure that all information supplied as part of your application for cover is true and correct; c) tell us of any changes to the answers you have given as soon as possible. Failure to provide answers in-line with the requirement of the Act may mean that your policy is invalid and that it does not operate in the event of a claim. Complaints procedure 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 follow the Complaints Procedure below: Complaints regarding: Sale of the Policy Please contact Business & Domestic who arranged the Insurance on your behalf. Business & Domestic Insurance Services Venture House, Arlington Square, Bracknell, Berkshire RG12 1WA 94 Optional Extras Policy Wording

Driver s Licence Cover Policy Wording Section 10 If your complaint about the sale of your policy cannot be resolved by the end of the next working day, Business & Domestic will pass it to: Customer Relations Department UK General Insurance Limited, Cast House, Old Mill Business Park, Gibraltar Island Road, Leeds LS10 1RJ Tel: 0845 218 2685 Email: customerrelations@ukgeneral.co.uk Claims Business & Domestic Administration Warranty House, Savile Street East, Don Valley, Sheffield S4 7UQ In all correspondence please state that your insurance is provided by UK General Insurance Limited and quote scheme reference 05458A. If your complaint about your claim cannot be resolved by the end of the next working day, Business & Domestic Administration will pass it to: Customer Relations Department UK General Insurance Limited Cast House, Old Mill Business Park Gibraltar Island Road, Leeds LS10 1RJ Tel: 0845 218 2685 Email: customerrelations@ukgeneral.co.uk 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 and have an annual turnover of less than 2 million and fewer than ten staff. You may contact the Financial Ombudsman Service at: The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, Docklands, London E14 9SR. The above complaints procedure is in addition to your statutory rights as a consumer. For further information about your statutory rights contact your local authority Trading Standards Service or Citizens Advice Bureau. Financial Services Compensation Scheme (FSCS) The insurer is covered by the FSCS. You may be entitled to compensation from the scheme if the insurer cannot complete their obligations. This depends on the type of business and the circumstances of the claim. For claims against insurers 90% of the claim is covered with no upper limit. Further information about the compensation scheme is available from www.fscs.org.uk or by phoning 0800 678 1100 or 0207 741 4100. Data Protection Act 1998 Please note that any information provided to us will be processed by us and our agents in compliance with the provisions of the Data Protection Act 1998, for the purpose of providing insurance and handling claims, if any, which may necessitate providing such information to third parties. We may also send the information in confidence for process to other companies acting on their instructions including those located outside the European Economic Area. Optional Extras Policy Wording 95

SureThing! TM MAXIM 3 2 PARKLANDS AVENUE EUROCENTRAL MOTHERWELL ML1 4WQ! is a trading name of Insurance Services Limited. Registered in England and Wales Company number 08553997. Registered Office: 3 More London Riverside, London, SE1 2AQ. Insurance Services Limited are an appointed representative of UK General Insurance Limited who are authorised and regulated by the Financial Conduct Authority. ST-PB-OE-23-09-14