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EXPLANATORY NOTES

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					                                                         EXPLANATORY NOTES


   1a. Standard and Optional Benefits
                                    STANDARD BENEFITS                                                                                 OPTIONAL EXTRAS
                             Women                                                              Public                       PVT & CMC           PPV
                               on       Women                                                   Passe
                             Wheels       on                                                     nger
                   Private   (WOW)      Wheels   Luxury           CMC               CMC         Vehicl           Motor
                    Car       Years     (WOW)   League            Private           Public        e              Cycle    Increased                    Increased
Benefit            (PVT)       1-4     Years 5+   (LL)            (CMC)            (CMC)        (PPV)           (MOC)       Benefit     Charge           Benefit    Charge
                                                                                                                          $50,000
                                                                                                                           (CMC
                                                                                                                           Public
Manslaughter      $100,000   $100,000     $125,000    $100,000    $50,000          $30,000          N/A          N/A        only)       $1,500         $30,000      $2,000
Medical
Expense           $25,000    $30,000       $30,000     $30,000    $20,000          $20,000          N/A          N/A        N/A           N/A            N/A          N/A

Wrecker Fees      $15,000    $20,000       $30,000     $20,000    $15,000          $15,000      $8,000           N/A      $20,000        $900          $30,000      $1,800

Windscreen        $20,000    $30,000       $50,000     $50,000    $15,000          $15,000      $8,000           N/A       $50,000      $2,500         $50,000      $4,000
                                                                                                                          $250,000                    $100,000      $2,000
Personal                                                                                                                  Insured +                     driver        per
Accident            N/A      $50,000      $100,000     $50,000      N/A                N/A          N/A          N/A       spouse       $1,500           only       vehicle
Audio
Equipment         $10,000    $10,000       $10,000     $10,000    $10,000          $10,000          N/A          N/A      $50,000       $3,000           N/A          N/A
                             $2,500        $3,000       $2,500
Alternative                  per day       per day      per day
Transport/                   (7 days       (7 days     (14 days
Loss of Use         N/A       max)          max)         Max)       N/A                N/A          N/A          N/A        N/A           N/A            N/A          N/A
Personal
Effects            $5,000    $15,000       $30,000       N/A        N/A                N/A          N/A          N/A        N/A           N/A            N/A          N/A
Fire Damage
to Garage          $5,000    $20,000       $20,000     $5,000       N/A                N/A          N/A          N/A        N/A           N/A            N/A          N/A




   1b. Liability Limits:
                                           WOW          WOW                   CMC             CMC                            Increase         Increase          Increase
Limit                          PVT        Years 1-4     Year 5+    LL        Private         Public       PPV      MOC       Option 2         Option 3          Option 4
Bodily Injury Any One
Person                          3.0             5.5       5.5      5.5           3.0          3.0         2.0       2.5         5.0             5.0                10.0
Bodily Injury Any One
Event                           5.5             5.5       7.5      8.0           5.5          5.5         4.5       5.0         7.5             10.0               10.0

Property Damage                 3.0             3.5       5.5      5.5           3.0          3.0         2.0       2.5         5.0             5.0                10.0


Additional Cost                                                                                                               $7,500          $9,000             $10,500

   Notes:

          1. All Third Party liability limits in $m,
          2. The options apply only to PVT, CMC and PPV. They are not available for WOW, LL or MOC.




   2.      No Claims Discounts Allowable:

                                  PVT                 WOW                   LL                      CMC                      PPV                         MOC
   COMPREHENSIVE/TPFT
   Year 1                         20%                  Nil                   Nil                    20%                      20%                          10%
   Year 2                         35%                  Ni                    Nil                    30%                      30%                          10%
   Year 3                         45%                  45                   45%                     40%                      40%                          10%
   Year 4                         60%                 60%                   60%                     55%                      50%                          15%
   Year 5                         70%                 70%                   70%                     60%                      55%                          15%

   THIRD PARTY
   Year 1                         20%                 N/A                   N/A                     20%                      15%                          10%
   Year 2                         30%                 N/A                   N/A                     30%                      20%                          10%
   Year 3                         40%                 N/A                   N/A                     40%                      30%                          10%
   Year 4                         40%                 N/A                   N/A                     40%                      40%                          10%
   Year 5                         45%                 N/A                   N/A                     45%                      45%                          10%




   3. Age Criteria:
                                         PVT          WOW           LL              CMC Private             CMC Public                 PPV                 MOC
   COMPREHENSIVE/TPFT/TP                21-70         25-70        25-70              21-70                   25-65                   25-65                21-70



   Note: All Proposers /Drivers outside of the above age bands must be referred to N.E.M.


   Updated 27/07/2009

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  4.     Supporting Documents Required:

                                  DOCUMENT                                                            WHEN REQUIRED
            1.   Registration Document and certificate of fitness              All vehicles
            2.   Valuation from NEM approved valuator                          All vehicles unless brand new
            3.   Purchase invoice or bill of lading                            All brand new vehicles
            4.   Medical certificate                                                       a. all drivers over 65 (for CMC Public and PPV) and
                                                                                               over 70 for all other policies
                                                                                           b. all drivers with disabilities which could affect driving
                                                                                               ability
            5.   Driver’s Licence                                              All drivers
            6.   Other Driver declaration Form                                             a. For open driving: All drivers under 21 ( under 25 for
                                                                                               WOW and LL)
                                                                                           b. For restricted driving: All additional drivers
                                                                                           c. All drivers over 65 (for CMC Public) and over 70 for
                                                                                               all other policies
                                                                                           d. All drivers for PPV
            7.   Engineer’s Report                                                         a. For all vehicles over 15 years,
                                                                                           b. All vehicles involved in an accident in the last 12
                                                                                               months
                                                                                           c. All PPVs
                                                                                           d. All vehicles modified from manufacturer’s standard,
            8.   Previous insurance                                                        a. Proof of any No Claims Discount, or
                                                                                           b. Claims Experience letter from previous insurer
            9.   Documents to support all discounts                                        a. Receipt or evidence of tracker devices

            10. Road Licence or proof licence applied for                      All PPV
            11. Documentary confirmation of any finance company                When finance house interest has been declared
                interest in the vehicle(s)
            12. Other ID                                                       Where proposer has no driving licence and is excluded from
                                                                               driving
            Corporate Clients
            1. Certificate of Incorporation (or similar document           All businesses
                appropriate for a business)
            2. Memorandum and Articles of Association (or Articles         All businesses
                of Incorporation) if Certificate of Incorporation is not
                available
            3. Most recent annual return filed with Registrar              All businesses
            4. Name(s) and address(es) of owner(s) with                    All businesses
                shareholdings of 10% or greater
            5. Copies of ID documents for at least 2                       All businesses
                directors/partners




5. Short Term Rates

        This is applicable to all policies terminated or suspended by the Insured during the first year of insurance,
        provided no claim has arisen during the current period of insurance. However, for policies cancelled or
        suspended after the first year of insurance or where the premium was financed, a pro-rata refund
        should be allowed. The short period rates are as follow:-

        Cover up to 1 month                                                -25% of annual premium plus GCT
        Cover over 1 month up to 3 Months                                   -50% of annual premium plus GCT
        Cover over 3 months up to 6 Months                                  -75% of annual premium plus GCT
        Cover over 6 months                                                -100% of annual premium plus GCT




        For further details of the full scope of policy cover, conditions and exclusions, specimen copies of the
        Company’s standard Private Cars and CMC private comprehensive policies are available upon request.




       PROPOSER’S DECLARATION:
        I/We declare that I/we have read and understand the above explanatory notes.


        DATE:…………………………….                   PROPOSER’S SIGNATURE:…………………………………………………………………………………
       Updated 27/07/2009




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