07675862-2

<rootnode><c pdPolic yNumber>07675 862</cpdPolic yN umber><ampFull name>Mr J eremy Nemeth</ampF ullname>< ampTi tle_Surname>Mr Nemeth</ampTitl e_Surname><ci pFor ename>Jer emy</ci pFor ename><cpdAg entDebug>M otor home D epartment</c pdAgentD ebug ><ampEco_Subag ent>Motorhome D epartment< /ampEco_Subag ent>< ampAgentR eferenc e>2003</ampAgentR eferenc e><derOper ator>Craig McBride</derOper ator>< ampProfil eID>CR AMCB69< /ampPr ofileID><ampAg ent_EM ail>renewals @adrianfl ux.c o.uk</ampAgent_EM ail ><ampAgent_Web> www.adrianfl ux.c o.uk</ampAgent_Web><ampAgent_PhoneNo> 0344 381 750 8</ampAgent_PhoneNo><c pdPolic yT ype> 24</cpdPolic yT ype><Effec ti veD ate>12/05/2019</Effecti veDate>< Expir yD ate>12/05/2020< /Expir yDate><c pdInsur erDebug>Highway</c pdIns urerD ebug><cpdIns urerPolic yR ef> 6420054370</cpdIns urerPolic yR ef><c pdSc hemeT abl eID>947</c pdSc hemeT abl eID><ampEcomailBr anding></ampEc omail Brandi ng><ampHTM L_BR AND>FLU X</ampHTM L_BR AND><cpdSourceBusinessD ebug>Sec ond car/bi ke</cpdSourceBusinessD ebug><sl vabi make>CHEVR OLET</sl vabi make><sl vabi model>GMC</sl vabi model><U132Sc ootc boSc ootMakeD></U 132Scootc boSc ootM akeD>< PremInc Admi nF ee> 725</PremInc Admi nF ee>< ampPremi umIncAddons>725</ampPremiumInc Addons>< ampq uotationtotalpayabl e>725< /ampquotatio ntotalpayable><ampAddons Sel ectedPayabl e>0</ampAddons Sel ectedPayable>< ampPAPr emC alc> 17.00</ampPAPremC alc><ampFR PremC alc>90.00< /ampFRPr emCalc><T otalPr emium> 742</T otalPremi um><ampAddress Line1>29 Cr oss way</ampAddressLi ne1><cc adPostc ode>N P26 3SJ</cc adPostc ode>< ampPolic yBookUR L> http://fl ux.c x/book_963</ampPolic yBookUR L><ampHHPr opAdd> , </ampHH PropAdd><ampRenGLET>GLET</ampRenGLET><ampR enewalD ate>12/05/2019</ampRenewalD ate><ampRenR emDate> 12/05/2019</ampR enR emD ate><ampRegN umber_Single_Line>S709 XOX</ampR egNumber _Si ngle_Line><ampPetName></ampPetName><U122Vehicl etxtOtM ake></U122VehicletxtOtMake><U122VehicletxtOtModel></U 122Vehicl etxtOtM odel><Q_OC _N ame></Q_OC_N ame><Q_OC _Text></Q_OC_T ext>< Q_OC_Email></Q_OC _Email><Q_OC_Web></Q_OC _Web><Q_OC _Tel></Q_OC _Tel>< ampCl aim_N o_N ew> 0344 381 4420< /ampClai m_No_N ew><ampHTML_Welcome>Your renewal is attac hed< /ampHTML_Welcome><ampHTML_Quote_For ename>Hi Jer emy</ ampHTM L_Quote_F orename><ampHTML_Body_MC_C ap></ampHTML_Body_MC_C ap><ampHTML_Body_MC_Low></ampHTML_Body_MC_Low>< ampH TML_Body_C V_Cap>< /ampHTM L_Body_C V_C ap><ampHTML_Body_CV_Low></ampHTM L_Body_C V_Low><ampHTML_Body_PC _Cap>M otorhome</ampHT ML_Body_PC _C ap>< ampHTM L_Body_PC_Low> motor home</ampHTM L_Body_PC_Low><ampHTML_Pac k_1>Motorhome Ins uranc e</ampHTM L_Pac k_1><ampHTM L_Pac k_2> Your renewal is attac hed</ampHTM L_Pac k_2>< ampHTM L_Pac k_3> Your new ins uranc e c ertific ate for S709 XOX</ampHTM L_Pac k_3><ampHTM L_Pac k_4></ampH TML_Pac k_4><ampHTML_Pac k_5>For polic y enquiri es email </ampHTML_Pac k_5><ampHTML_Pac k_6> mailto:c ontact- us@ adri anflux.co.uk< /ampHTM L_Pac k_6><ampHTM L_Pac k_7>c ontact-us @ adrianfl ux.co.uk</ampHTML_Pac k_7><ampHTML_Pac k_8>https://www.adri anfl ux.co.uk/faqs/</ampHTM L_Pac k_8>< ampHTM L_Pac k_9>Fr equentl y As ked Ques tions</ampHTM L_Pac k_9>< ampHTM L_Pac k_10>, you can vi ew your polic y details and as k us to make c hang es - all fr om your s ec ur e onli ne acc ount.</ampH TML_Pac k_10>< ampHTM L_Pac k_11></ampHTM L_Pac k_11><ampHTM L_Pac k_12></ampHTM L_Pac k_12><ampHTML_Pac k_13></ampHTML_Pac k_13>< ampHTM L_Pac k_14>Pl ease call or email us if you have any questi ons, or if you woul d li ke a quote for another ins uranc e product, such as c ar, bi ke, van, home, car avan or tr avel ins uranc e.</ampHTML_Pac k_14>< ampHT M L_Pac k_15></ampHTM L_Pac k_15><ampHTM L_Pac k_16></ampHTM L_Pac k_16><ampHTML_Pac k_17>F or cl ai ms queries c ontac t </ampH TML_Pac k_17>< ampHTM L_Pac k_18>tel:03443814420</ampHTM L_Pac k_18><ampHTM L_Pac k_19>0344 381 4420</ampHTML_Pac k_19>< ampHTM L_Pac k_20></ampHTM L_Pac k_20><ampHTM L_Pac k_21>24/7, 365 days a year</ampHTM L_Pac k_21><ampclai m_no_new_html> 03443814420</ampclai m_no_new_html><di ff1>Sampl e te xt< /diff1><r equireddocs></r equireddoc s><requireddocs b></r equireddocs b><chec klis titems></chec klis titems><i mportant14days></i mp ortant14days><i mportant14daysb>< /important14days b><Pol_Wordi ng_Extended> 947</Pol _Wor ding_Extended><WhyD oWeAs k_Extended>Car</WhyD oWe As k_Extended><Ec omailTitleH ead>[ 07675862 - Vehicle S709 XOX ]</EcomailTitleH ead>< aggquoteurl></aggquoteurl><pi d>85065EA86D 9D 418296601AF 7D 77354B0- 2</pid><Ecomail_MX1> 0</Ecomail_M X1>< Ecomail_M X2> 0</Ecomail_M X2>< Ec omail_M X3>0</Ec omail _MX3><Ec omail _MX4>0< /Ec omail _MX4><Ec omail_MX5> 0</Ecomail_M X5><Ecomail_M X6> 0</Ecomail_M X6>< Ec omail_M X7>0</Ec omail _MX7><Ec omail _MX8>0< /Ec omail _MX8></rootnode> <gi><name>J eremy Nemeth</name><a1>29 Cross way< /a1><a2>R ogiet</a2>< a3>C aldic ot< /a3><a4>Gwent</a4>< a5>N P26 3SJ</a5><id> 85065EA86D9D 418296601AF7D 77354B0</i d><enc>GAD GET</enc>< op>Cr aig McBride</op>< /gi> <front/> Your motorhome insurance is due for renewal Customer Reference 07675862 Mr Jeremy Nemeth 29, Crossway Rogiet Caldicot Gwent NP26 3SJ Dear Mr Nemeth Thanks for choosing Adrian Flux for your motorhome insurance last year. Your policy on vehicle registration number S709 XOX is due to expire on 12/05/2019 at 12:00. You’ll find your Renewal Notice overleaf—this contains a summary of your cover along with a breakdown of the price of your policy and any extra benefits selected. Our unbeatable price guarantee Your renewal price is 6% cheaper than the comparative price from last year. However, it is important to check that your renewal is still suitable for your needs so we understand that you might want to shop around to compare price and cover. If you do find a better quote for the same cover elsewhere please call us before 12/05/2019 with full details and we will guarantee¹ to beat their price! Don’t miss our great value extra benefits Not only do we offer a vast range of insurance policies for cars, motorcycles, homes and just about everything else you can think of, but we also offer an extensive range of superb value insurance extras. Therefore, we’ve enclosed a page listing the extra benefits that you can add to your renewal this year. This policy will not automatically renew—here’s what you need to do You must have continuous insurance on your vehicle. If you do not renew your policy or declare your vehicle SORN, you could be committing an offence.This policy will not automatically renew—simply call us now on 0344 381 7508 to discuss your payment options. If we do not hear from you before 12/05/2019, the policy will lapse and you will no longer have insurance cover in force. Yours sincerely Adrian Flux Renewals Team CONTACT US Renewal enquiries: 0344 381 7508 | Lines are open 9:00am - 5:30pm Monday to Friday and 9:00am - 1:00pm Saturday Claims: 0344 381 4420 | Lines are open 24/7 365 days a year Email: [email protected] Manage your policy online at: adrianflux.co.uk/myadrianflux Go to: customers.adrianflux.co.uk Correspondence address: FREEPOST RTGX-KBGU-YLEU, Adrian Flux, East Winch Hall, East Winch, King's Lynn, PE32 1HN ¹Guarantee applies to price only. Your quote must have been generated from the same information as ours. Terms and conditions may vary. Proof of cheaper price may be required. Adrian Flux is a part of Adrian Flux Insurance Services, an independent intermediary, authorised and regulated by the Financial Conduct Authority 307071. Partners: D Flux, Y Flux.

Renewal Notice Customer Reference Name 07675862 Mr Jeremy Nemeth Your renewal price Is your information correct? 77 2. 87 50 This year’s price of £725.00 includes: This quote is based on your current policy and the information FREE Legal Expenses cover contained in the enclosed Statement of Fact. If any of these details have changed, the cost of your insurance may also The price quoted also includes insurance premium tax (IPT) at change. It is important to check the information you the applicable rate, and a £75.00 policy issue fee. Your provided and tell us immediately of any changes to these renewal price may change if you make a claim before details. Failure to disclose correct and complete information 12/05/2019. to the best of your knowledge and belief may result in increased premiums, your policy being cancelled, or your The price of the policies you selected last year was £772.87 claim prejudiced. including IPT and the £50.00 policy issue fee. If there were any changes during the year, this is the amount you would have Statement of demands and needs paid if these changes were included for the full 12 months. It is important to check that your renewal is still suitable for Based on the information we have and the assumption that your needs so we understand that you might want to shop there have been no changes to your circumstances that we around to compare price and cover. have not been advised of, Highway are offering the most suitable policy. We have not given you a personal Spread the cost of motorhome recommendation as to whether this policy is suitable for your insurance specific needs. Summary of cover Instead of paying for your insurance with a single payment, Renewal date 12/05/2019 at 12:00 you could spread the cost of your renewal with our monthly Insurer Highway premium finance option. Please call us to discuss the most Vehicle details CHEVROLET GMC (S709 XOX) suitable payment option for you. Value £19000 No Claims Bonus 1 Years Not Protected Plan A Plan B Excesses £90 Windscreen Replacement Excess Deposit of £108.75 followed Deposit of £362.50 followed £175 Accidental Damage Fire And by 9 monthly instalments of by 1 instalment of £371.56 a Cover Theft - Compulsory £79.84 month later Comprehensive Total payable £827.30 Total payable £734.06 Glass cover Representative 33.6% APR Representative 9.5% APR Yes [subject to policy terms and Driving other cars conditions] Plan C Plan D benefit This policy only covers vehicle Deposit of £241.64 followed Deposit of £181.25 followed registration S709 XOX. The driving or by 2 monthly instalments of by 3 monthly instalments of Mileage restriction riding of other vehicles is not included. £254.97 £193.94 2500 Total payable £751.58 Total payable £763.06 Representative 11.5% APR Representative 13.4% APR If you wish to pay by any of these alternative methods, Important conditions please call us on 0344 381 7508. If you pay using premium finance, it costs more in total than Please note that this quotation is subject to you having an paying for your policy in one single payment. Finance is efficient fire extinguisher in your vehicle. subject to status. We use Premium Credit Limited (PCL) Any available owner/rider club discount or forum discount exclusively to provide premium finance. We may receive a has been included in your renewal premium. Also if you have commission for introducing you to PCL. Your data will be previously advised us that your vehicle is fitted with a HD in shared with PCL who will assess your creditworthiness using a car camera that is recording, discount has been applied range of tools to carry out anti-money laundering checks where available. If any of these details have changed, then and credit assessments. Your application will include a please contact us. search of your records at a credit reference agency.

DON’T MISS OUT ON OUR ADDITIONAL BENEFITS POLICIES AUTO EXTRA (Personal Accident Cover) - £17.00 Most comprehensive motor policies only have basic personal accident cover as standard, and at lower levels of cover there's often none at all. This means that you might not be covered for your injuries if an animal runs out and causes you to swerve and hit a tree or other object, or if you're a victi m of road rage; did you know that the UK has among the highest number of reported incidents of road rage in Europe? Auto Extra covers you and any passengers for up to £20,000 each for road rage injuries, dea th and certain disabilities. There is no additional excess to pay, and the policy also covers emergency dental treatment, clothing, personal possessions and stress counselling following a road- rage assault. Auto Extra is underwritten by Trinity Lane Insurance Company Limited. It includes an insurance policy arrangement fee of £12.52. KEYCARE COVER (Cover loss and replacement of ALL your keys) - £17.00 Key crime has increased dramatically over the years as more sophisticated security systems are being fitted to vehicles as standard, making them harder for thieves to steal. Many vehicle thefts now occur as a result of keys being stolen. We offer a Keycare policy which covers up to £1,500 in the event your keys are stolen. You’re also covered if you lock yourself out of your home or vehicle, or if you lose your keys, including replacement locks, locksmith charges and reprogramming alarms and immobilisers (which can be expensive). Any other keys which have been attached to the Keycare fob are covered, and you'll get up to three days of car hire or onward travel costs while your vehicle is out of use. There’s no excess to pay, and no limit on the number of claims you can make until you reach the total £1,500 of cover. The policy is underwritten by Trinity Lane Insurance Company Limited and the premium shown above incorporates a policy arrangement fee of £10.95. There is no cover until the key fob is received and attached to your keys. All claims must be reported within 30 days of the loss occurring. REPLACEMENT VEHICLE (14 Day Replacement Vehicle Cover) - Between £23 and £36 Did you know that a courtesy car is not a guarantee in the event of an accident? Comprehensive policies only provide a courtesy car while your vehicle is being repaired after an accident, and Third Party Fire and Theft policies don't provide courtesy cars at all. Our replacement vehicle cover provides you with a suitable car for up to 14 days if you're claiming for a car which has been stolen and not recovered, written off, or rendered un-driveable by an accident. If you are unable to use a vehicle due to injury as a result of an accident, we will provide £150 for alternative transportation costs (£1,000 for adapted vehicles). There is no excess to pay and you can claim up to twice a year. This policy is underwritten by Trinity Lane Insurance Company Limited. It includes a policy arrangement fee between £7.44 and £16.83. MISFUEL INSURANCE (Incorrect Fuel Type Used) - £13.99 It's easily done; your mind is elsewhere and you fill up with the wrong fuel. According to the AA, over 150,000 drivers a year misfuel their vehicles — that’s over 400 a day!Our misfuel insurance covers removing the incorrect fuel, cleansing the tank, and refilling with £10 of correct fuel. Expenses such as phone calls, taxi services and loss of earnings as a result of the misfuelling are also covered for up to £250. There's no excess to pay and you can claim up to three times during the policy term. There is no cover for the cost of any repair or damage to the engine. The policy is underwritten by Trinity Lane Insurance Company Limited. It includes an insurance policy arrangement fee of £10.19. EXCESS PROTECTION (Protect your excess) – Between £34.99 to £52 Claims on your motor insurance can happen at any time, and could be caused by anything from car park incidents and hit-and-runs to storms, theft and vandalism, leaving you with an unexpected excess to pay. Our Excess Protection policy covers you for this, so in the event of a fault or non-fault claim you would be reimbursed up to a maximum of £300/£500/£1000 (as applicable on premium paid) if you can’t recover your excess. There is no cover for excesses relating to glass claims or if any claim amount is less than your excess. The policy is underwritten by Trinity Lane Insurance Company Ltd and the premium shown above incorporates a policy arrangement fee of between £13.17 and £19.77. AGREED VALUE (Confirmed Valuation of Your Vehicle Should a Claim Occur) - £52.00 You know how much your vehicle is worth to you. However, if your vehicle is written off, lost or stolen, the amount your insurer pays out will be based on the market value at that time, and because the market can change rapidly, you may get a lower payout than you would hope for. Our agreed value policy guarantees that the payout you get will match how much your vehicle is worth, based on an evaluation by our dedicated team of specialists — just submit current photographs of your vehicle and an agreed value form. In the event you have a total loss claim, this covers the difference between the insurer's payout and your agreed value, meaning you should be able to replace your vehicle like-for-like. There is also no additional excess to pay. In the event of a total loss occurring before your agreed value has been confirmed, this policy will be void and a full refund given. This policy is underwritten by Trinity Lane Insurance Company Limited and the premium includes an arrangement fee of £19.60. PERSONAL POSSESSIONS COVER (Provides cover for your personal effects) - £26.00 Coats, gym bags, portable sat navs; you may carry lots of personal possessions in your vehicle, and many insurance policies only have a basic level of cover for this as standard, while some policies can’t cover this at all. Our personal effects policy covers up to £2,500 during the policy term if your personal items are stolen or damaged maliciously while in your locked vehicle, or by a fire, storm or flood, or a road traffic accident. This includes clothing, children's car seats, sporting equipment and portable devices such as tablets, laptops and sat navs. Claims on this policy won’t affect your no claims bonus. There is no cover for the first 30 days of purchasing the policy. All thefts from your vehicle must be reported to the police within 24 hours of the incident. There is no cover for any business goods or samples, and there is an excess of £50 for all claims. This policy is underwritten by Trinity Lane Insurance Company Limited. GADGET COVER (Cover for theft and accidental damage to electrical gadgets) - £55.00 More and more of us are relying on our portable electronic gadgets for day-to-day life. Unfortunately, more and more are being stolen, lost or dropped. Our gadget cover policy covers electronic gadgets purchased new by you within the last three years for up to £1,000 per claim, with a maximum of two claims per year. Your gadgets are covered for accidental damage, including water damage, and theft, with mobile phones and tablets also covered for accidental loss. Your e quipment (excluding laptops and portable computers) is covered for electronic or mechanical breakdown if the guarantee period provided by the manufacturer has expired, and you also get 90 days' worldwide cover. This does not affect any no claims bonus you may have accrued on any other policy. All thefts and losses of mobile phones must be reported within 24 hours to your airtime provider, and theft and losses of all other gadgets must be reported to the police within 48 hours. The insurer of Gadget Cover is Building Block PCC, and the excess for any claims ranges from £25 to £75, depending on the value of the gadget. FLUX RESCUE (Breakdown Package) - £90.00 Need help with punctures, battery faults, or worse? Need assistance after an accident if the vehicle is no longer roadworthy? Our Flux Rescue policy covers you for home start, roadside recovery, and relay to a garage, final destination or home for the whole of the UK. You also get cover for 60 days in most European countries. There are unlimited call outs within the £3,500 of cover, and on top of that, there is no excess to pay. A similar level of cover could cost over £135 with some breakdown companies. There is no cover in force for the first 24 hours of the policy. The policy is underwritten by Trinity Lane Insurance Company Limited and incorporates a policy arrangement fee of £12.99. LICENCE DEFENCE (Motoring Offence Legal Cover) - £19.99 Our Licence Defence policy gives you access to an expert solicitor, a free helpline and provides up to £25,000 per claim to defend a driving prosecution. It covers the cost of Licence Defence's panel of experts to defend legal action in respect of a motoring offence, arising from the use of the insured vehicle by you or any named drivers. Licence Defence will only proceed with legal defence if there are prospects of a successful outcome. It won't cover you if the conviction is related to drink or drugs, having no insurance, or parking offences where you will not incur licence penalty points. There is also no cover where the insured incident occurred before you purchased the insurance. This policy is underwritten by AM Trust Europe Limited.

Public Liability (£2 Million £19.99 or £5 Million £27.50) Do you display your vehicle at classic or modified car shows? Perhaps you're a driving instructor? There might be situations where you aren't covered by your normal motor insurance — your display board at a show might fall and damage another vehicle, or a member of the public might trip over cones you set out for your student during driving lessons. Our Public Liability cover will indemnify you for up to either £2 million or £5 million (depending on the level of cover you select) against legal liability for other people's property damage or accidental bodily injury caused by you or your vehicle when your vehicle isn't in use or involved. This policy is underwritten by The Salvation Army General Insurance Corporation Limited. TOOLS IN TRANSIT £5,000 (Cover for tools in transit) - £89.00 Research has found that more than half of builders in the UK have been victims of tool theft, and as you probably know, most insurance policies don't cover your tools in transit. Our Flux Tools policy provides £5,000 worth of cover for portable tools used in connection to your occupation if they are lost, damaged or stolen while in transit or being loaded or unloaded from your vehicle. Cover applies within the United Kingdom, the Channel Islands and the Isle of Man and all claims are subject to a £100 excess and valid proof of purchase. No cover will be provided where tools are left in an unattended vehicle overnight, except where the vehicle is parked in a securely locked garage or compound, or, if the vehicle is alarmed, the alarm system is activated and the vehicle is parked on the insured's driveway off-road. No cover will be provided for theft unless entry to your vehicle was gained by forcible or violent means. Personal items, consumable items or products which are (or are intended to be) supplied to or installed for a customer are not covered. The policy is underwritten by Trinity Lane Insurance Company Limited and incorporates a policy arrangement fee of 11.72. ALL OUR CUSTOMERS RECEIVE MOTOR LEGAL PROTECTION FOR FREE All of our customer receive this policy FREE OF CHARGE, providing £100,000 worth of legal assistance in the event of a claim for all uninsured losses including policy excess, hire car charges, loss of earnings and personal injury claims. The policy is underwritten by Great Lakes Reinsurance SE. Call us on 0344 381 7508 to talk about adding some of these fantastic benefits. All additional policies listed above are optional and no refund is applicable after 14 days if cancelled.

Statement of Fact IMPORTANT: Your Insurers have agreed to treat the attached proposal form as a Statement of Fact and it is therefore important that you carefully read the Statement below. Please read the information on this statement of fact carefully. It is a record of the statements made and the information, given orally and/or when you answered questions and completed your transaction online, and constitutes the basis of your contract of insurance. If the information is not correct, you should contact us immediately to let us know of the relevant corrections. Failure to disclose all necessary information could invalidate your insurance. We will make sure you are aware of any premium changes or any changes to the terms and conditions that may result from the amendments to this proposal. The statement of fact should be retained with your certificate and policy booklet. INSURERS MAINTAIN A MOTOR INSURANCE ANTI-FRAUD AND THEFT REGISTER AND EXCHANGE INFORMATION WITH EACH OTHER TO PREVENT FRAUDULENT CLAIMS. IT IS OUR PRACTICE TO CO-OPERATE WITH POLICE AUTHORITIES IN BRINGING PROSECUTIONS WHERE FRAUDULENT CLAIMS ARE DETECTED Your Details Mr Jeremy Nemeth Mobile Phone number 07760994482 Marital Status Please initial any alterations Full Name Married - Common Law Full Address 29 Crossway Gender Male Rogiet Caldicot Gwent NP26 3SJ E-Mail address [email protected] Residential status Owned By Proposer - Home Owner Type of dwelling House Length of UK residency 10+ Cover Comprehensive Use of the vehicle: Social, Domestic And Pleasure Type of cover Driving restriction Insured And 1 Named Driver Voluntary excess £0 No Claims Bonus Protection required (if available) No Vehicle Details CHEVROLET GMC Type of US Motorhome Cubic Capacity 7400 vehicle Make and Precise Model Registration S709 XOX Year of first 1999 Transmission Automatic Number of doors 3 number registration Number of seats 6 Purchase price £17500 Purchase date 25/04/2018 Estimated value £19000 ABI/LMUA code 0 State if right or Left Hand Type of fuel used Petrol Vehicle Proposer/Policyholder Registered Proposer/Policyholder left hand drive Drive legally keeper owned by Details of any Unknown Electromechanical or Electronic Vehicle Manufacturer Estimated 2500 security or Immobiliser annual mileage tracking devices fitted to the vehicle. Has your vehicle been modified, altered or adapted in any way from the manufacturer’s standard specification whether or not performance is No altered, or do you intend to alter it later? If ‘Yes’ provide full details. Please Note: Failure to disclose any modification could result in the policy being declared invalid. If in doubt you should disclose it. Examples would be changes to the bodywork, changes to suspension or brakes, cosmetic changes such as alloy wheels, changes affecting performance such as engine management system or exhaust changes, changes to the audio equipment. Be aware this is not a full list and that any changes from the standard manufacturer's specification must be disclosed. State the address at which the vehicle is 6 Bridge Street, , NEWHAVEN, E Sussex normally kept Where is the vehicle normally kept at night Car Park Insurance History Highway Policy number .... 1 Expiry date 12/05/2019 Name of previous insurer Type of policy Private Car Bonus Number of years No Claims Bonus Give Details Below of All Persons Who Will drive the Vehicle, Including Yourself (Drivers under 25 years of age must be disclosed) Full name Mr Jeremy Nemeth Mr Matthew Nemeth Marital Status & Gender Married - Common Law Separated Male Male Date of Birth & Age 02/10/1967 Age:51 17/01/1971 Age:48 Period resident in the U.K (Years) 10+ 10+ Type of car driving licence held Full UK Car Licence Full UK Car Licence Period car driving licence held (Years) 10+ 10+ Date car driving test passed 10+ 10+ Printed on: 29 April 2019 Page 1 of 3 20070103/1

Full time occupation Lecturer Locksmith Nature of employers’ business University Locksmiths Employment Status Employed Self Employed Part time occupation Nature of employers’ business (2nd Occupation) No No Employment Status (2nd Occupation) Relationship of this driver to the Proposer Proposer Brother or Sister Nature of use of the vehicle for this driver Social, Domestic And Social, Domestic And Estimated annual mileage of driver in this vehicle Pleasure Pleasure Does this driver own another vehicle? 2500 Does this driver have use of another vehicle? Yes Yes Is this driver the main user (the person who Yes Yes drives the vehicle most frequently)? Yes No Have you passed an advanced driver qualification? No If ‘yes’ please advise which qualification you have attained in the additional information section. Driver Name Qualification Description Date Obtained Mr Jeremy Nemeth Mr Matthew Nemeth The onus is on you to ensure that you and all named drivers hold a valid driving licence(s) and/or CBT certificate (if applicable) for the vehicle(s) you are proposing to insure. Failure to hold a valid licence will make this insurance invalid and all cover will stop from the start of the contract. We reserve the right to request a copy of the driving licence for all drivers/riders at any time. Driving History (applicable to any motor vehicle) Have you or any person who may drive: (a) been involved in any accident, claim or loss (including loss by fire, theft or malicious acts), irrespective of blame, during the past five years? Note: Any loss should be disclosed whether or not a claim was submitted to the insurer concerned. If ‘Yes’, give details below. No Name of Person Date of Circumstances of accident/loss Costs (£) NCD At fault? accident/loss Affected* Mr Jeremy Nemeth Mr Matthew Nemeth * or would have had it not been for the operation of No Claims Discount Protection (b) been convicted of any motoring offence, had driving licence endorsements, including Fixed Penalty offences, or have you been disqualified from No driving within the last five years or is there any prosecution pending for any motoring offence? If ‘Yes’ please provide full details below. Name of Person Date of Motoring Offence Alcohol Fine Penalty Disqualification Mr Jeremy Nemeth offence Code reading (if any) Points Period (if any) Mr Matthew Nemeth Printed on: 29 April 2019 Page 2 of 3 20070103/1

Have you or any person who may drive; No (c) been convicted of any other offence, including offence relating to theft, fraud or No dishonesty? No (d) any prosecution or police enquiry pending? No (e) ever been disqualified from driving? (f) ever been declined or refused any type of insurance or had special terms imposed? (g) Do you, or does any person who to your knowledge will drive have any history of defective vision not corrected by glasses or hearing not No corrected by hearing aid, diabetic, epileptic, cardiac or alcoholic condition, or any disease or physical or mental infirmity or fits of any kind? Name of Person Nature of Condition Date of onset DVLA Advised Mr Jeremy Nemeth Mr Matthew Nemeth You are reminded that you are required by law to inform Driver Medical Branch, DVLA, Swansea, SA99 1AT, at once, if you have a disability (including any physical or mental condition) which is or may become likely to affect your fitness as a driver. Additional Information Has ANY of the information shown in this document changed? Do you need to add additional information to this document, such as modifications or accessories? Have you received any endorsements or penalty points on your driving licence that aren't shown on this document (including any that are pending)? Have you or any drivers named on this policy had any accidents (whether your fault or otherwise) or other incidents that may result in a claim being made (such as fire, theft, hit and run or vandalism) on this, or any other vehicle that you/they drive or are insured on? IF YOU HAVE ANSWERED 'YES' TO ANY OF THE ABOVE YOU MUST CONTACT US TO UPDATE THE POLICY IMPORTANT NOTES 1. Insurers pass information to the Claims and Underwriting Exchange Register, run by Insurance Database Services Ltd (IDS Ltd), the Hunter Database, run by MCL Software Ltd and the Motor Insurance Anti-Fraud and Theft Register, run by the Association of British Insurers (ABI). The aim is to help us to check information provided and also to prevent fraudulent claims. When we deal with your request for insurance, we may search these registers. Under the conditions of your policy, you must tell us about any incident (such as an accident or theft) which may or may not give rise to a claim. When you tell us about an incident, we will pass information relating to it to the registers. Your policy details will be added to the Motor Insurance Database (MID), run by the Motor Insurers Information Centre (MIIC). MID data may be used by the DVLA and DVLNI for the purpose of Electronic Vehicle Licensing and by the Police for the purposes of establishing whether a driver’s use of the vehicle is likely to be covered by a motor insurance policy and/or for preventing and detecting crime. If you are involved in an accident (in the UK or abroad), other UK insurers, the Motor Insurers’ Bureau and MIIC may search the MID to ascertain relevant policy information. Persons pursuing a claim in respect of a road traffic accident (including citizens of other countries) may also obtain relevant information which is held on the MID. You can find out more about this from your insurer, or at www.miic.org.uk. You should show this notice to anyone insured to drive the vehicle covered under this policy. 2. If you are in any doubt about how to respond to the questions on this document, such as whether a particular fact or certain information is relevant, you must ensure that you advise us of it. Failure to provide information or providing false information by inaccurately answering the questions may result in this policy being void from inception – leaving you without insurance cover. You should keep a complete record (including copies of all letters) of all information supplied to Underwriters for the purpose of entering into this Contract of Insurance. 3. Underwriters’ liability does not operate until acceptance has been notified and Cover Note or Certificate of Motor Insurance delivered to the insured. If the proposal should disclose any special features, the Underwriters may quote special terms and they reserve the right to decline a proposal. 4. Details of full policy terms will be supplied on request. 5. You and the Underwriters are free to choose the law applicable to this insurance contract. Unless we have agreed otherwise with you, this insurance is governed by English law. 6. At your request, a copy of this completed form will be supplied to you, provided the request is made within a period of three months after its completion. DATA PROTECTION ACT The details you have provided will be used by the Underwriters to process your request in accordance with the Data Protection Act 1998 and other applicable laws. We share data with approved organisations for underwriting and fraud prevention purposes. Your data may also be processed outside the European Economic Area. In all instances we take steps to ensure an adequate level of protection is given to your information. In order to assess the terms of an insurance contract or administer claims that arise, we may need to collect data that the Data Protection Act 1998 defines as sensitive (such as medical data or criminal convictions). In order to process your information for the purposes of providing insurance and claims handling, it may be necessary to pass your information to carefully selected third parties and other Group companies. By proceeding with this application you signify your consent to such information being processed in this way. Authorised and regulated by the Financial Conduct Authority Printed on: 29 April 2019 Page 3 of 3 20070103/1

TERMS OF BUSINESS Customer Ref No: 07675862/11 Name: Mr Jeremy Nemeth Adrian Flux Insurance Services, 29/04/2019 East Winch Hall, East Winch, King's Lynn, Norfolk, PE32 1HN You can email us at [email protected] Your debit/credit card information will be replaced by a secure token so we can use the same card to take payments for automatic renewals and to pay or The Financial Conduct Authority (FCA) refund other premiums that may become due upon changes to the policy. The FCA is the independent watchdog that regulates financial services. Please Our charges use this document to decide if our services are right for you. In addition to premiums and administration fees charged by insurers and the Our service finance provider, we normally make the following non-refundable charges to cover the administration of your insurances: We act as a broker on yours and the insurer’s behalf. You will not receive advice or a recommendation from us and you will need to make your own This policy has a policy issue fee of £75.00 included. £35 choice with regard to the products that we offer you. Our service includes Making adjustments to your policy as a direct result of non- administering the policy for you and helping you and the insurer with any disclosures or misrepresentation by you at time of the quote and/or £35 ongoing changes you have to make. Adrian Flux Insurance Services is an policy inception approved Lloyd’s Coverholder. Cancelling or null and voiding policies as a direct result of non- £35 disclosures or misrepresentation by you at time of the quote and/or £30 Who regulates us? policy inception £30 Arranging collection of bad debts £30 Adrian Flux Insurance Services is authorised and regulated by the Financial Processing uncleared cheques £15 Conduct Authority. Our FCA Register number is 307071. We are also licensed Cancelling policies after the 14-day cooling off period £165 by the Jersey and Guernsey Financial Services Commissions. Making changes to your policy Arranging an agreed value Our permitted business is: Replacement Smartbox and Data Arranging (bringing about) deals in non-investment We usually receive a commission from the insurer, which is proportionate to the insurance contracts insurance premium. Occasionally we may arrange a policy on which we earn no commission and in these cases we will advise you of the proportionate fee This covers a range of activities including introducing a customer to an insurer, before you take the policy out. helping a customer to complete a proposal form and sending this to an insurer. Your insurer may make a charge for any amendment made to your policy in Making arrangements with a view to transactions in addition to any increase in premium and our midterm adjustment fee. non-investment insurance contracts Return premiums (usually arising if an insurance risk is reduced or the policy is This includes helping a potential policyholder to complete a proposal form or cancelled), will be refunded to you net of commission or proportionate fee introducing a customer to another intermediary, either for advice or to help which is 20%. Where applicable, all refunds will be processed to the same arrange an insurance policy. debit/credit card that was used to make a payment on the policy. Dealing as the agent in non-investment insurance contracts You should not take out a new policy if you have an existing debt with us, Hadleigh Holdings Ltd or their subsidiaries. If your new policy is cancelled as a This includes entering into a contract of insurance with a customer on behalf of result, we reserve the right to offset the cancellation refund against the an insurer (for example, issuing a certificate). equivalent value of the debt. Assisting in the administration and performance of a Cancellations non-investment insurance contract You have the right to cancel your policy at any time. If you wish to cancel your This includes notifying an insurance claim to the insurer and negotiating policy, please call us first to discuss this. It may be necessary for you to send settlement on behalf of the customer. You can check this on the FCA’s register us your cancellation request in writing before your policy can be cancelled. Do by visiting their website www.fca.org.uk/register or by contacting them on not cancel your Direct Debit payments. 0800 111 6768. Most insurers will retain the full annual premium if a policy is cancelled and a Products that we offer claim has been reported. All supplementary covers will be cancelled if your main policy is cancelled. We sell a wide range of both personal and commercial insurance products and provide information on the basis of a fair analysis of the market from a wide Any refund will be offset against any outstanding Direct Debit payments. Where range of insurers. Any additional policies we sell in conjunction with your main the amount that you owe exceeds the amount that you have paid, you will be policy are linked and will be cancelled in line with the main one. We only offer required to make payment for the outstanding amount straight away. Failure to products from a limited number of insurers for caravan insurance. We will do so may result in us taking steps to recover the debt. provide a list of these insurers on request. Within the 14-day cooling off period  For Driverguard Insurance we deal exclusively with Isle of Man Assurance.  For Family Personal Accident Insurance we deal exclusively with Novae. The insurer of your main policy will make a reasonable charge for the time you  For Misfuel Insurance, we deal with Covea Insurance plc and Trinity Lane have been on cover if your policy is cancelled during a period of 14 days either from the day of purchase of the contract, or the day on which you receive your Insurance Company Ltd. policy documentation; whichever is later. For supplementary covers that are  For Motorcycle Legal Expenses Insurance we deal exclusively with Financial cancelled during this period, the full premium will be returned by the insurer providing no claim has been made. and Legal Insurance Company Limited.  For Personal Accident, Personal Effects Cover, Excess Protection, Helmet & After the 14-day cooling off period Leathers, Mobility Scooter, Roadside Assistance, Spare Parts, Trailer, You may be due a refund for part of your main policy premium. Upon Agreed Value Insurance and Driving Other Bikes/Cars and Windscreen cancellation of the contract, it should be noted that Insurance companies apply Insurances we deal exclusively with Trinity Lane Insurance Company Ltd. short term cancellation charges which are not proportionate to the annual  For Household Home Emergency, Household Legal Cover, Private Vehicle premium and as these form part of the contract offered, we would ask clients to Legal Expenses Insurance, Replacement Car Cover, Independent Living realise that such charges upon cancellation are applied by the underwriters and Insurance, Keycare Insurance and Camping Equipment Cover we deal not us. exclusively with Ageas Insurance Limited.  For Travel Insurance we deal exclusively with Axa-Sun World Travel. Premiums and financial aspects  For Pet and Gadget Cover Insurance we deal exclusively with Zenith Insurance plc. For the purposes of introducing customers to premium finance facilities we deal  For Licence Defence we deal exclusively with AmTrust Europe Limited. exclusively with Premium Credit Limited (PCL). We may receive a commission  For Tools in Transit, Goods in Transit and Motorsport Personal Accident we for introducing you to PCL. If you pay using premium finance, it costs more in deal exclusively with Canopius. total than paying for your policy in one single payment. Finance is subject to  For Commercial Vehicle Legal Expenses and Replacement Vehicle status. Your data will be shared with PCL who will assess your creditworthiness Insurance we deal with Great Lakes Reinsurance SE. using a range of tools to carry out anti-money laundering checks and credit assessments. Your application will include a search of your records at a credit Trinity Lane Insurance Company Ltd is owned by one of the partners of Adrian reference agency. Flux Insurance Services. This is a credit agreement between you as the policyholder and PCL, and is How monies paid to us are handled separate to the insurance policy. PCL will contact you with full details of your We are the Agent of Insurers for the purpose of collection of premiums and refunds of premiums. This means that premiums are treated as being received by the insurer when received in our bank account, and that any premium refund is treated as received by you when it is actually paid over to you. We normally accept payment by any of the major debit/credit cards or a guaranteed cheque.

credit agreement. As this is in effect a loan for the initial premium, this If the insurer of your policy is declared in default by the FSCS, we reserve the agreement should not be cancelled until this has been fully repaid to PCL, even right to arrange a replacement policy with another insurer on your behalf. We if your insurance policy has been cancelled. If any Direct Debit or other would endeavour to replace your insurance cover at no expense or payment due in respect of the credit agreement you enter into with PCL to pay inconvenience to you. insurance premiums is not met when presented for payment, or if you end the credit agreement with PCL, or if you do not enter into a credit agreement with Confidentiality PCL we will be informed of such events by PCL. All personal information about our customers is treated as Private and If you do not make other arrangements with us to pay the insurance premiums Confidential. you acknowledge and agree that we may, at any time after being so informed, instruct on your behalf the relevant insurer to cancel the insurance (or, if this We will only disclose the information we have about private individuals in the occurs shortly after the start or renewal of the insurance, to notify the insurer normal course of arranging and administering their insurance, including debt that the policy has not been taken up) and to collect any refund of premiums recovery, and will not disclose any information to any other parties without their which may be made by the insurer and if any money is owed to PCL under written consent unless required by law or public interest, which includes the your credit agreement pay it to PCL or if PCL have debited us with the amount detection and prevention of fraud and money laundering, except for data that outstanding use it to offset our costs. The balance will be debited from the we share with Hadleigh Holdings Ltd and their subsidiaries. We may use the debit/credit card last used by you. information we hold about our customers to provide them with information about other products and services that we feel may be appropriate to them. For You will be responsible for paying any time on risk charge and putting in place full details of how we use your data please view our privacy policy on our any alternative insurance and/or payment arrangements you need. website. Under the General Data Protection Regulation, private customers have a right to see the personal information about them that we hold in our If during the course of the policy any additional premiums or refunds of records. If you wish to exercise this right, or have any other related queries, premium are due, then these will be automatically applied to the remaining you should write to the data protection officer. balance on the PCL account. Fraud detection and prevention Disclosure Insurers pass information to the Claims and Underwriting Exchange Register It is important you ensure that all information, statements or answers made by (CUE) operated by Insurance Database Services Limited (IDSL) and the you to us online, on the telephone, proposal forms, claim forms and other Motor Insurance Anti-Fraud and Theft Register (MIAFTR) compiled by the documents are full and accurate and must be correct. If a form is completed on Association of British Insurers (ABI). The aim is to check information provided your behalf, you should check that the answers shown to any questions are and to prevent fraudulent claims. true and accurate before signing the document. Motor insurance details are also added to the Motor Insurance Database (MID) You are reminded that it is an offence under the Road Traffic Act to make any operated by the Motor Insurers’ Information Centre (MIIC), which has been false statements or withhold any relevant information to obtain an insurance formed to help identify uninsured drivers and may be searched by the police to certificate. You are advised to keep copies of any correspondence you send to help confirm who is insured to drive. In the event of an accident, this database us or direct to your insurer. Please consult us if you are in doubt on any aspect. may be used by insurers, MIIC and the Motor Insurance Bureau (MIB) to identify relevant policy information. Other insurance related databases may Awareness of policy terms also be added in the future. When a policy is issued, you are strongly advised to read it carefully as it is that To prevent and detect fraud we may at any time: document, the schedule, any certificate of insurance and the policy wording,  Share information about you with other organisations and public bodies which are the basis of the insurance contract you have purchased. If you are in any doubt over any of the policy terms or conditions, please contact us including the police. promptly.  Undertake credit and claims record searches. If false or inaccurate information is provided and fraud is identified, details will Claims be passed to fraud prevention agencies. We may log your IP address (and/or a unique identifier for your computer) and use this information to help us prevent If you are involved in an accident or have occasion to claim on your policy for and detect fraud, including passing it to fraud detection agencies. Law any other reason, you must notify us immediately and we will promptly advise enforcement agencies may access and use this information. We, and other you and, if appropriate, issue you with a claim form and pass details to your organisations, may also access and use this information to prevent fraud and insurer. You should not admit liability or agree to any course of action, other money laundering, for example when: than emergency measures to minimise your loss, until you have agreement  Checking details on applications for credit and credit-related or other from your insurer. You must continue to make your monthly payments for your insurance, if applicable. We reserve the right to withhold payment in respect of facilities. claims, if payment of any premiums to us is in default.  Managing credit and credit-related accounts or facilities.  Recovering debt. Automatic renewals  Checking details on proposals and claims for all types of insurance.  Checking details of job applicants and employees. For your protection, we reserve the right to automatically renew your policy up If you have any questions about any information in this notice, or if you want to five working days prior to the renewal date and take payment by the same more details of the databases we access and contribute to, please contact us. payment method as this year. If we exercise this right we will write to you prior to the renewal date, informing you how much the premium will be and giving Identity and credit searches you time to let us know if you wish to opt out of the automatic renewal process. We also reserve the right to automatically renew any additional policies that We, and the companies we place business with, may make searches about you take out with this policy, such as breakdown assistance cover. you at credit reference agencies that will supply us with information, including the Electoral Register and credit information. The agencies will record details of Complaints the search whether or not your application proceeds. The searches will not be used by lenders to assess your ability to obtain credit. We may use scoring It is our intention to provide you with the highest level of customer service. methods to assess this application and to verify your identity. Credit searches However, if at any time you are dissatisfied with the service we provide, we and other information which is provided to us and/or the credit reference have a formal complaints procedure, a copy of which is available upon request. agencies, about you and those with whom you are linked financially, may be used by Adrian Flux Insurance Services and other companies if you, or other In the first instance please contact a member of staff with any concerns, either members of your household, apply for other facilities including insurance by telephone, email or post. We expect that they will be able to resolve any applications and claims. This information may also be used for debt tracing and issues with the minimum of inconvenience to you. the prevention of money laundering as well as the management of your account. Alternatively, we may ask you to provide physical forms of If you remain dissatisfied after speaking with a member of staff, we will advise identification. you how to pursue any outstanding concerns further. In the event that we have been unable to resolve your complaint, you may be able to refer it to the Telephone call recording Financial Ombudsman Service. Calls may be monitored and recorded. Financial Services Compensation Scheme (FSCS) Note We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of Your acceptance of these Terms of Business does not affect your normal legal business and the circumstances of the claim. Insurance advising and arranging rights. is covered for 90% of the claim, without any upper limit. For compulsory classes of insurance, insurance advising and arranging is covered for 100% of English law the claim, without any upper limit. Holders of policies issued by IOMA will not be protected by the United Kingdom Financial Services Compensation Scheme This insurance is written in English and all communications about it will be in if IOMA should become unable to meet its liabilities. Further information about English. Unless we have agreed otherwise with you, this contract is governed compensation scheme arrangements is available from the FSCS. by English law.

Car Insurance Insurance Product Information Document Company: Highway Insurance Company Limited. Highway is a registered trademark and Highway and Highway Insurance are trading styles of the Liverpool Victoria Group of Companies. LV= and Liverpool Victoria are registered trademarks of Liverpool Victoria Friendly Society Limited and LV= and LV= Liverpool Victoria are trading styles of the Liverpool Victoria group of companies. Highway Insurance Company Limited, registered in England and Wales number 3730662 is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, register number 202972. Registered address for both companies: County Gates, Bournemouth BH1 2NF. Tel: 01202 292333. Product: Standard Highway Car Insurance Policy This document provides a summary of the key information relating to this car insurance policy. It should be read together with the Document of Insurance, Policy Schedule and Certificate of Insurance. Please refer to the Document of Insurance for how to claim, how to make a complaint, details of any fees or charges that we may apply and details of the Financial Services Compensation Scheme (FSCS). What is this type of insurance? All motorists are required, by law, to insure their cars in order to drive them on roads and in public places. Car insurance meets this requirement and provides financial protection in the event of an incident which causes damage or injury. The level of protection provided will depend on the cover you select, a summary of which is provided below. What is insured? What is not insured? Third Party, Fire and Theft:  Excesses. Where an excess applies you will be required to pay this in the event of a related claim.  Following an accident, we’ll cover your liability to other Excesses will be shown on your quotation or people for injury (unlimited) or damage to their property policy schedule. (up to £20 million).  Death or injury due to suicide, attempted suicide,  You’ll be covered for driving other cars if this is shown on drugs or alcohol or failure to wear a seat belt as your certificate of motor insurance. required by law.  If your car or accessories are damaged by fire, theft or  General wear and tear including to tyres, brakes attempted theft we’ll repair the damage/replace what is etc. lost or stolen.  Intentional damage by the policy owner or named  Cover up to £150 for in-car entertainment equipment. drivers. Comprehensive:  Theft if you leave your car unlocked, with a window or sunroof open, or you leave the engine  Accidental damage cover for your car in addition to third running or with the key or ignition device in the car party fire and theft cover. or in the immediate proximity of the car.  Unlimited cover for loss/damage to factory fitted in-car Optional extras: entertainment equipment.  Guaranteed Hire Car. Any provision of a hire  We’ll give you and your spouse/partner £5,000 of car where the insured vehicle is being repaired Personal Accident cover. by a non approved repairer.  We’ll give you £100 of Personal Belongings cover.  Protected No Claim Discount. Protected No  If your windscreen or window glass is damaged, we’ll Claim Discount doesn’t guarantee that your premium won’t increase. repair or replace it.  If your policy covers the loss or damage to your car we will pay up to £750 for all the locks to be replaced if your car keys are stolen. Optional extras: Are there any restrictions on The following covers are optional. Please check your cover? insurance schedule to see which covers you have selected.  Driving other cars is restricted to the policyholder  Guaranteed Hire Car A group A vehicle (small only and for third party cover only, there is no cover hatchback up to 1000cc) for up to 14 days if yours is for damage to the car you are driving. being repaired after an accident, is a total loss or is stolen.  In-car entertainment equipment cover is limited to £500 where not installed as part of the car’s  Protected No Claim Discount (NCD) Your no original build. claim discount won’t be reduced if you do not make  Personal Accident cover applies to incidents more than 2 claims during 5 continuous periods of occurring whilst travelling in or getting into or out insurance. Your discount is protected but your of your car. premium could still rise following an accident or claim. Cover isn’t available if you don’t have five or more years NCD. 0020886-2018

Where am I covered?  Great Britain, Northern Ireland, the Isle of Man and the Channel Islands.  This policy gives the minimum cover you need by law to protect you when driving aboard in the following countries: Andorra, Austria, Belgium, Bulgaria, Croatia, Republic of Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, Netherlands, Norway, Poland, Portugal, Romania, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden and Switzerland. What are my obligations?  At the start of the policy you must give complete and accurate answers to any questions we may ask you.  You must let us know if your circumstances change either before your policy starts or during the period of insurance such as you receive a motoring conviction.  Premiums must be paid on time.  You should ensure that your car is kept in a roadworthy condition and has a valid MOT if one is needed by law.  If your car is fitted with an alarm, immobiliser or tracker these must always be on and working when your car is left unattended. Keys or ignition devices must also be removed, windows and sunroofs closed and all doors locked.  If you need to make a claim you must provide us with full details as soon as possible. Refer to your Document of Insurance for the claims contact number. When and how do I pay? The premium for this annual policy must be paid in one single amount to your broker. Your broker may also be able to offer a monthly instalment plan. When does the cover start and end? The policy is for a period of one year starting from the date shown on your Certificate of Insurance. The policy is renewable each year. How do I cancel the contract? When you receive your policy, you have 14 days in which to consider the cover provided. If the cover does not meet your needs, you have the right to cancel the Policy. Call your broker who provided you with your insurance policy. If you cancel: • Within 14 days of receiving your documents we will refund part of your premium after a deduction for the days you have been covered subject to a minimum fee of £25 plus IPT, unless we have made a total loss payment under the policy where no refund will be given. • After 14 days we will refund part of your premium after a deduction for the days you have been covered and a cancellation charge of £25 plus IPT, unless you or someone else has made a claim where no refund will be given. 0020886-2018

Motor Legal Expenses Insurance Insurance Product Information Document Company: Coplus Product: Motor Legal Expenses Insurance This document is a summary of cover highlighting the main features and benefits as well as the general conditions and exclusions of this policy. Full terms and conditions can be found in the policy wording. You will also receive a policy schedule showing the specific details of your policy and the cover(s) you have selected. Please take some time to read the policy documents when you receive them. It is important that you tell us as soon as possible if any of the information is incorrect. What is this type of insurance? This Motor Legal Expenses insurance policy provides cover to the policyholder and any other person entitled to drive/ride the named vehicle for legal costs, adverse costs and disbursements incurred in bringing a legal action against a third party for an insured event involving the vehicle noted on the policy schedule. What is insured? What is not insured? The policy covers £100,000 per claim for legal costs, adverse  Any claims brought against you; costs and disbursements for the insured events listed:-  Any claim not notified to us as soon as practicable that  Causes damage to your vehicle; and or adversely affects the likely outcome of the legal action;  Causes damage to any personal belongings within or  Any claim where the opponent cannot be traced or identified; on the vehicle; and or  Claims exceeding £100,000 limit of indemnity;  Costs incurred after we have advised that the legal action is  Causes your death or bodily injury whilst you are best settled by means other than civil proceedings; travelling in the vehicle, getting in, out or off the vehicle; and or  Any disputes or enquires that commenced prior to the  Any other uninsured losses such as alternative inception of this policy; transport or loss of earnings.  Deliberate actions by you or someone associated to you;  Claims relating to violence or dishonesty on your part; The legal action relating to an insured event must:  Claims involving the use of a mobile phone whilst driving i. occur within the period of insurance; and ii. be notified to us as soon as practicable after the date of unless a hands free kit was being used. the insured event; iii. can be dealt with by a court of competent jurisdiction within the territorial limits. The maximum liability of the insurer under this policy is £100,000 in respect of any one claim and must be over and above the small claim limit. 00000182-1

Are there any restrictions on cover?  Any claim must be reported to us as soon as practicable following an insured event. We shall have the right to reject any claim under this policy where your delay in notifying us has adversely affected the likely outcome of your claim;  Your legal action must have reasonable prospects of success;  The insured event must occur within the territorial limits and within the period of insurance;  The insured event has to be the fault of the opponent;  You must not deliberately mislead us or the appointed representative or exaggerate the claim and/or legal action or bring any false or contrived claims and/or legal action;  We have to give written approval to pursuing a legal action prior to you commencing any legal proceedings or making an appeal;  You must follow our or the appointed representative’s advice and provide any information they ask for;  Your appointed representative must follow the requirements set out in the appointed representative conditions. Where am I covered? Cover is provided within the European Union, the Isle of Man, the Channel Islands, Albania, Andorra, Bosnia Herzegovina, Gibraltar, Iceland, Liechtenstein, FYR Macedonia, Monaco, Montenegro, Norway, San Marino, Serbia, Switzerland and Turkey. What are my obligations? You must provide full and accurate information to all questions asked. Your answers must be true to the best of your knowledge and belief. Your answers will form part of the statement of facts on which your policy will be based. If you become aware that information you have given us is inaccurate or has changed, you must inform us as soon as possible. Failure to do this may invalidate your policy and claims may not be paid. When and how do I pay? The company from whom you have purchased this insurance will advise you the methods by which you can pay your premium. When does the cover start and end? Your cover will start and end on the dates stated in your policy documents. How do I cancel the contract? If you decide that for any reason, this policy does not meet your insurance needs then please return it within 14 days from the date of purchase or the day on which you receive your policy documentation, whichever is the later. On the condition that no claims have been made or are pending, the premium will be refunded in full. If you wish to cancel after the 14 day cooling off period, please contact the organisation from whom you bought your policy. Coplus is a trading name of Motorplus Limited. Registered in England and Wales with Company No. 03092837. Head Office: Floor 2, Norfolk Tower, 48-52 Surrey Street, Norwich NR1 3PA. Registered Office: Speed Medical House, Eaton Avenue, Buckshaw Village, Chorley, Lancashire PR7 7NA. Motorplus Limited is authorised and regulated by the Financial Conduct Authority (309657). MP5I-1000-U 00000182-2