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Mr Sample_ thank you for insuring your Volkswagen Passat with us

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Mr Sample_ thank you for insuring your Volkswagen Passat with us Powered By Docstoc
					                                                                                      Mr Sample, thank you for insuring your
                                                                                      Volkswagen Passat with us.
                        Mr A Sample                                                   You've taken out insurance until
                        Sample
                        Sample
                                                                                      10 April 2012
                        Sample




               10th April 2011
                                                                                       Welcome to quality car insurance with RAC Insurance. As well as friendly
               Our phone numbers                                                       customer service, we also give you a 24-hour claims line, a 3 year
               Customer services                                                       guarantee on all approved claims repair work, and 60 days comprehensive
               0844 891 0321                                                           cover for driving anywhere else in the European Union.
               Mon to Fri 8am-10pm, Sat 8am-6pm                                        What to do now...
               Sun 10am-4pm

                                                                                       Please check your documents
               If you need to make a claim
                                                                                           Your Policy Payment Arrangement - tells you when we'll collect your
               0844 891 0326                                                               monthly payments from your account.
               24 hours a day, 7 days a week                                               Details of Cover - tells you who's insured to drive the car, and what
                                                                                           you're covered for.
               Windscreen repairs                                                          General Policy Terms - gives you the policy wording, which together
               0844 891 1864                                                               with the Details of Cover and the certificate, form your contract of
                                                                                           insurance.
               24 hours a day, 7 days a week
                                                                                           Certificate of Motor Insurance - You'll need this to tax your car.
                                                                                           Also included is a policy summary, a customer information sheet and
               Visit us online
                                                                                           the policy wording for the additional product you've taken out - Motor
               http://www.rac.co.uk
                                                                                           Legal Protection cover.
               Your policy number                                                      Please tell us if anything is incorrect. Remember, there's no administration
                                                                                       fee for making changes to your policy within 14 days of the start of your
               111111111-01                                                            insurance - simply call us on 0844 891 0321.
               Please tell us this number if you contact us
                                                                                       And send us proof of your No Claims Discount
               Your RAC membership number                                              Please send the renewal notice or letter from your last insurer to confirm
               10000000001                                                             your No Claims Discount. The proof must be less than 2 years old and
                                                                                       show:
                                                                                         The no claims discount in years
                                                                                          The registration of the vehicle
                                                                                          The date the policy ended or was due to be renewed
                                                                                       You can send it:
                                                                                           By fax to 0844 4122132
                                                                                           By post to FREEPOST RRTU-KLUY-GEZA, Insurance Services,
                                                                                           Peterborough PE2 6BU
                                                                                           By email to ncd@insurance-system.co.uk - please quote your policy
                                                                                           number in the subject box
                                                                                       If we do not receive proof, the cost of your insurance will increase. In
                                                                                       some cases we may have to cancel your policy.




                                                              RAC Insurance is a trading name of RAC Financial Services Limited. Registered in England and Wales no. 5171817.
                                                              Registered office: 8 Surrey Street, Norwich NR1 3NG. A member of the AVIVA Group. RAC Car Insurance is
                                                              administered by BISL Limited. Registered in England no. 3231094. Registered office: Pegasus House, Bakewell Road,
                                                              Orton Southgate, Peterborough PE2 6YS. Both authorised and regulated by the Financial Services Authority. 0844      Page 1 of 32
                                                              numbers will be charged at 3p per minute from a BT landline. Charges for calls from other networks may vary.
date
registration
of
the
vehicleThe
renewed
yearsThe
be
in
to
discount
due
was
or
claims
ended
policy
no
the
The
Page 2 of 32
                                                                   Insurance for your Volkswagen Passat

                                                                   Your Policy Payment Arrangement


         10th April 2011

                                                                   Please call us immediately on 0844 891 0321 if any details are incorrect
         Our phone numbers                                         or if you want to change your monthly payment date. If we don't hear
         Customer services                                         from you we'll take payments from your account on or around the 11th of
                                                                   each month. To change your monthly payment date, you must tell us at
         0844 891 0321                                             least 3 days before we take the first payment.
         Mon to Fri 8am-10pm, Sat 8am-6pm
         Sun 10am-4pm
                                                                   The cost of your cover
         If you need to make a claim                               Total cost of your cover                                       £403.80
         0844 891 0326                                             Amount you've paid                                               £73.41
         24 hours a day, 7 days a week                             to date from the credit card shown below

         Windscreen repairs
                                                                   Amount still to pay
                                                                   One monthly payment of £33.12 on or around 11 May 2011
         0844 891 1864
         24 hours a day, 7 days a week                             Then 9 monthly payments of £33.03 on or around the 11th of the
                                                                   month starting in June 2011 and ending in February 2012 from the
         Visit us online                                           account with the details shown below
         http://www.rac.co.uk
                                                                   Each monthly payment includes a £3.67 charge for paying monthly.
                                                                   The APR applicable is 29.9%
         Your policy number
         111111111-01
         Please tell us this number if you contact us



         Account
         Account number                                 ****0984
         Sort code                                      00-00-00
         Name the account is in                 Mr A Sample




         Card number                          ************7104
         Name on the card                     Mr A Sample
         Expiry date                                      02/14




                                                                                                                              Page 3 of 32
credit
card
                                                                                                                 Automatic Renewal
          How we've calculated the cost of your cover                                                            Prior to renewal we will contact you with our
                                                                                                                 best offer from our panel. To save you time
          Your car cover                                                                           £337.10       and to ensure you are continuously
                                                                                                                 covered, we will, where possible use the
          Motor Legal Protection                                                                    £29.99
                                                                                                                 details you have given us to automatically
                                        including monthly payment charge                           £403.80       renew this policy and any additional cover.
                                                                                                                 We will take the payment from account
                                                                                                                 ****0984 unless you give us other
                                                                                                                 instructions. The account details overleaf
          on your premium.                                                                                       will be kept on our records for that reason.
                                                                                                                 We will also keep the information you've
          If you cancel your policy                                                                              given us so that we have a record if you
          If you cancel your policy within 14 days of receiving your policy documents you will have to pay       want to make changes later on. To opt out
          for time on cover unless you have made a total loss claim, in which case all outstanding               of our automatic renewal process simply
          payments will become due and no refund will be given.                                                  call us on 0844 891 0321 at any time.
          If you cancel outside of the 14 day cooling-off period, we will charge a cancellation fee of £35 and
          a percentage of the total premium payable for the policy.
                                                                                                                 Refunds
                                                                                                                 We will pay any refund due to the bank
          If you cancel while a claim is outstanding, you will have to pay the total amount of premium due       account or credit/debit card we hold on file.
          before the claim can be settled. If you cancel after a claim has been settled you will have to pay     Refunds will only be made if we receive the
          the total amount of premium due. In either case no refund of premiums already paid will be given.      certificate(s) of insurance within 30 days.
                                                                                                                 The minimum amount we will refund is £10,
                                            % charged If you cancel within...                  % charged         any refund less than £10 will not be given.
          1 month                                    30% 6 months                                       80%
          2 months                                   40% 7 months                                       85%
          3 months                                   50% 8 months                                       90%
          4 months                                   60% 9 months onwards                             100%
          5 months                                   70%
          If you cancel any additional products taken out with this policy, but not the main policy within 14
          days of receiving our policy documentation, you will pay for time on cover only. After this time, no
          refund will be given. If you cancel the main policy then any additional products taken out will also
          be cancelled and no refund will be given for these products.
          If we cancel your policy the same fees and charges will apply. Please also see the section on
          'Cancelling this insurance' contained in the General Policy Terms.


          Other charges
          Administration fee
          We may charge an administration fee of £25 for certain services, for example, if you make
          changes to your policy after the first 14 days.
          Failed direct debit
          If we can't collect a payment because there's not enough money in your account, we'll charge an
          administration fee of £25 to resubmit a request for payment.
          Duplicate documents
          We charge £25 to send duplicate documents.


                                                   The Direct Debit Guarantee

          This Guarantee is offered by all banks and building societies that accept instructions to pay Direct
          Debits.
          If there are any changes to the amount, date or frequency of your Direct Debit BISL Limited will
          notify you 10 working days in advance of your account being debited or as otherwise agreed. If
          you request BISL Limited to collect a payment, confirmation of the amount and date will be given
          to you at the time of the request.
          If an error is made in the payment of your Direct Debit, by BISL Limited or your bank or building
          society, you are entitled to a full and immediate refund of the amount paid from your bank or
          building society.
          If you receive a refund you are not entitled to, you must pay it back when BISL Limited asks you
          to.
          You can cancel a Direct Debit at any time by simply contacting your bank or building society.
          Written confirmation may be required. Please also notify us.




                                                                                                                                                 Page 4 of 32




Total cost of your cover been included at the appropriate rate, this is the only tax applicable
If you cancel within...
Insurance Premium Tax has
                                        PRE-CONTRACT CREDIT INFORMATION

                               (Standard European Consumer Credit Information - SECCI)



1.   Contact details

     Creditor                                   BFSL Limited
                                                (registered in England with co. no. 2706280)
     Address                                    Pegasus House, Bakewell Road, Orton Southgate, Peterborough, PE2
                                                6YS
     Credit Intermediary                        BISL Limited
                                                (registered in England with co. no. 3231094)
     Address                                    Pegasus House, Bakewell Road, Orton Southgate, Peterborough, PE2
                                                6YS



2.   Key features of the credit product

     THE TYPE OF CREDIT


     The total amount of credit                 £293.68

     This means the amount of credit to be
     provided under the proposed credit
     agreement or the credit limit
     How and when credit will be provided       Credit will be provided from the commencement date of the policy of
                                                insurance
     The duration of the credit agreement       The credit agreement is for a period of 12 months from the
                                                commencement date of the policy of insurance
     Repayments                                 The first monthly instalment is due on 11 May 2011 and 9 further
                                                payments are due monthly thereafter

                                                The first instalment due will be £33.12 and all further monthly payments
                                                will be £33.03

                                                Any payments made are allocated on a pro rata basis towards the
                                                amount you owe
     The total amount you will have to pay      The total amount payable under the credit agreement will be £330.39
     This means the amount you have             The cash price for the policy of insurance is £367.09
     borrowed plus interest and any costs
                                                The advance payment required is £73.41

                                                The total charge for credit is £36.71, which consists wholly of interest
     Description of services                    Credit for financing the premium payable for private motor insurance and
                                                add-on products



3.   Costs of the credit

     The borrowing rate(s) which apply to the   The interest rate is 12.50% and interest will be calculated annually and
     credit agreement                           applied monthly




                                                                                                                      Page 5 of 32
     Annual Percentage Rate of Charge (APR) 29.9%

     This is the total cost expressed as an     In calculating the APR no account has been taken of any variation that
     annual percentage of the total amount of   there may be to any sum included in the total charge for credit. Such
     credit                                     variation may occur if you request a change to your policy

     The APR is there to help you compare
     different offers
     RELATED COSTS
     Any other costs deriving from the credit   £25 for a returned direct debit payment
     agreement
     Costs in the case of late payments         There are no charges for late or missed payments

     Consequences of missing payments           Missing payments could result in legal proceedings being issued against
                                                you and may make it more difficult for you to obtain credit



4.   Other important legal aspects

     Right of withdrawal                        You have a right to withdraw from the credit agreement within 14 days
                                                and you do not need to provide a reason for this.

     Early repayment                            You have the right to repay the credit early at any time in full or in part

     Consultation with a Credit Reference       We will inform you immediately and without charge if we reject the credit
     Agency                                     application on the basis of a consultation of a credit reference agency

     Right to a draft credit agreement          You have the right, upon request, to obtain a copy of the draft credit
                                                agreement free of charge, unless at the time of the request we are
                                                unwilling to proceed to conclusion of the credit agreement
     The period of time during which the        This information is valid from 11 April 2011 to 8 June 2011
     creditor is bound by the pre-contractual
     information


5.   Additional information in the case of distance marketing of financial services

     (a) concerning the creditor
     Registration number                        BFSL Limited - consumer credit licence no. 492684
     Supervising authority                      The Office of Fair Trading
     (b) concerning the credit agreement

     Exercise of the right to cancel            You may cancel your credit agreement with immediate effect by notifying
                                                us by telephone or post
     The law taken by the creditor as a basis    English law
     for the establishment of relations with you
     before the conclusion of the credit
     contract
     The law applicable to the credit           The credit agreement is subject to English law and any dispute which
     agreement and/or the competent court       arises in relation to the agreement will be dealt with by the courts of
                                                England and Wales.
     Language to be used in connection with     English
     your agreement
     (c) concerning redress
     Access to out-of-court complaint and       If you have a complaint please contact us in the first instance by
     redress mechanism                          telephoning Customer Services on 0844 891 0321




                                                                                                                        Page 6 of 32
                                                                              Credit Agreement
                                                                              Regulated by the Consumer Credit Act 1974 ("Act")
                                                                              Creditor: BFSL Limited, Pegasus House, Bakewell Road, Orton
                                                                              Southgate, Peterborough, PE2 6YS ("we" "us" "our")
                                                                              Customer: Mr A Sample, Sample, Sample, Sample
                                                                              ("you" "your")



              Key Financial Information                                 The Act also gives you a number of rights.                 In any of the above circumstances you agree and
              A.   The amount of credit provided under this             1.   You can settle this Agreement in whole or part at     acknowledge that the Policy may be cancelled and
                   Agreement is £293.68.                                     any time by giving notice in writing and paying off   that a fee will be charged in respect of reasonable
              B.   The term of this Agreement is 12 months from              the amount you owe under the Agreement which          administration costs incurred and agree to pay all legal
                   the commencement date of the Policy of                    may be reduced by a rebate. Examples                  and other expenses incurred in obtaining payment of
                   Insurance.                                                indicating the amount you have to pay appear in       any amounts due.
              C.   The total amount payable under this Agreement             this Agreement.
                                                                                                                                   2. Claims, Cancellation, Withdrawal and
                   is £330.39.                                          2.   If you received unsatisfactory goods or services
              D.   The first monthly instalment is due on 11 May             paid for under this Agreement, you may have a            Termination
                                                                             right to sue the Creditor, supplier, or both.         2.1   All amounts payable under this Agreement shall
                   2011 and further payments are due monthly
                                                                        3.   If the contract is not fulfilled, perhaps because           remain payable regardless of any claim under
                   thereafter on the same day each month.
                                                                             the supplier has gone out of business, you may              the Policy.
              E.   The first instalment due will be £33.12 and all
                                                                             still be able to sue us. If you would like to know    2.2   If the Policy is cancelled or comes to an end for
                   further monthly payments will be £33.03.
                                                                             more about your rights under the Act, contact               any reason you will immediately pay all amounts
              F.   The APR is 29.9%.
                                                                             either your local Trading Standards Department              due under this Agreement (whether or not then
              Other Financial Information                                                                                                payable) less any refund of premium and (where
              G.   This Agreement is to finance the premium                  or your nearest Citizens' Advice Bureau.
                                                                                                                                         applicable) a reduction for early payment.
                   payable for the Policy of Insurance, having Policy                                                              2.3   You have 14 days from the date on which you
                   Number 111111111-01.                                                                                                  receive this Agreement to withdraw from it.
              H.   The cash price for the Policy of Insurance is                                                                         Please contact us if you wish to exercise this
                   £367.09.                                                                                                              right. All amounts due under this Agreement
              I.   The advance payment required is £73.41.                                                                               must be paid to us no later than 30 calendar
              J.   Any payments made are allocated on a pro-rata                                                                         days after you exercise this right.
                   basis towards the amounts you owe.                                                                              3. Policy Proceeds
              K.   The total charge for credit is £36.71, which
                                                                                                                                   You authorise BISL Limited to i) collect, receive and
                   consists wholly of interest. The interest rate is
                                                                                                                                   otherwise obtain payment of all monies payable under
                   12.50% and interest will be calculated annually
                                                                                                                                   your policy whether by way of claims proceeds,
                   and applied monthly.
                                                                             Consumer Credit Act 1974. Sign it only if             premium refunds or otherwise and ii) apply such
              L.   In calculating the APR no account has been
                                                                             you want to be legally bound by its terms.            monies towards payment of the premium payable (to
                   taken of any variation that there may be to any
                                                                                                                                   the extent not already paid) and any other amounts
                   sum included in the total charge for credit. Such
                                                                                                                                   due under any agreement for the provision of credit to
                   variation may occur if you request a change to
                                                                                                                                   finance the payment of the premium. Any balance
                   your policy.
                                                                                                                                   remaining after the payment of those amounts shall be
              Key Information                                                                                                      paid to you but you will remain responsible for any
              M.   The charges that may apply under this                                                                           shortfall.
                   Agreement are £25 for a returned direct debit             Signature of Customer       Date of signature         4. General
                   payment.
                                                                                                                                   4.1   Any notice given to you shall be deemed
              N. You do not have the right to cancel this
                                                                                                                                         correctly served if sent by post to your last
                   Agreement under the Act, the Timeshare Act           As required by the Consumer Credit Act we                        known address.
                   1992 or the Financial Services (Distance             enclose two copies of your Credit                          4.2
                   Marketing) Regulations 2004.
                                                                        Agreement, please sign both.                                     Agreement to the Financial Ombudsman
              O. If you wish to settle this Agreement early the
                   amount you will have to pay us for the credit will   This is an Agreement for the arrangement by BISL                 Service.
                   be:                                                  Limited of credit to be provided by BFSL Limited to the    4.3   The Office of Fair Trading of Fleetbank House,
                                                                        Customer to finance the premium payable for the                  2-6 Salisbury Square, London EC4Y 8JX is the
                            At 3 months £7.35                                                                                            supervisory authority under the Act.
                                                                        Policy of Insurance details of which are set out above
                            At 6 months £18.36                                                                                     4.4   You are entitled to request a statement of
                                                                        and in the Policy Payment Arrangements (the
                            At 9 months £29.37                          "Policy"). The amount advanced will be paid directly to          account at any time throughout the duration of
              On calculating the above, no account has been taken       the intermediary arranging the Policy which will make            this Agreement which will be provided free of
              of any variation and the amounts are illustrative only.   payment to the relevant insurer.                                 charge.
                                                                                                                                   4.5   BFSL Limited may assign or transfer all or any of
              Missing Payments                                          1. Accelerated Payment                                           its rights and/or duties under this Agreement
              Missing payments could have severe consequences           All amounts due under this Agreement shall fall due              and/or any amounts owing by you, but no such
              and make obtaining credit more difficult.                 immediately if:                                                  transfer will have the effect of varying the terms
                                                                        1.1 you fail to make any payment on the due date or              of payment or any provision of this Agreement to
              Important - Read This Carefully To Find Out
                                                                              commit any breach of this Agreement;                       your detriment. No rights or obligations of yours
              About Your Rights                                                                                                          under this Agreement may be assigned or
              The Act lays down certain requirements for your           1.2 or any information provided by or on behalf of
                                                                              you in connection with this Agreement or the               transferred.
              protection which should have been complied with                                                                      4.6   This Agreement shall be governed by and
              when this Agreement was made. If they were not, the             Policy is incorrect.
                                                                                                                                         construed in accordance with English law.
              Creditor cannot enforce this Agreement without getting
              a court order.




                                                                                                                                                                             Page 7 of 32
Credit
Agreement
complaint
a
regulated
by
the
is
ou
have
LimitedThis
BFSL
of
a
right
to
behalf
take
a
this
about
on
and
for
Signed
Page 8 of 32
                                                                              Credit Agreement
                                                                              Regulated by the Consumer Credit Act 1974 ("Act")
                                                                              Creditor: BFSL Limited, Pegasus House, Bakewell Road, Orton
                                                                              Southgate, Peterborough, PE2 6YS ("we" "us" "our")
                                                                              Customer: Mr A Sample, Sample, Sample, Sample
                                                                              ("you" "your")



              Key Financial Information                                 The Act also gives you a number of rights.                 In any of the above circumstances you agree and
              A.   The amount of credit provided under this             1.   You can settle this Agreement in whole or part at     acknowledge that the Policy may be cancelled and
                   Agreement is £293.68.                                     any time by giving notice in writing and paying off   that a fee will be charged in respect of reasonable
              B.   The term of this Agreement is 12 months from              the amount you owe under the Agreement which          administration costs incurred and agree to pay all legal
                   the commencement date of the Policy of                    may be reduced by a rebate. Examples                  and other expenses incurred in obtaining payment of
                   Insurance.                                                indicating the amount you have to pay appear in       any amounts due.
              C.   The total amount payable under this Agreement             this Agreement.
                                                                                                                                   2. Claims, Cancellation, Withdrawal and
                   is £330.39.                                          2.   If you received unsatisfactory goods or services
              D.   The first monthly instalment is due on 11 May             paid for under this Agreement, you may have a            Termination
                                                                             right to sue the Creditor, supplier, or both.         2.1   All amounts payable under this Agreement shall
                   2011 and further payments are due monthly
                                                                        3.   If the contract is not fulfilled, perhaps because           remain payable regardless of any claim under
                   thereafter on the same day each month.
                                                                             the supplier has gone out of business, you may              the Policy.
              E.   The first instalment due will be £33.12 and all
                                                                             still be able to sue us. If you would like to know    2.2   If the Policy is cancelled or comes to an end for
                   further monthly payments will be £33.03.
                                                                             more about your rights under the Act, contact               any reason you will immediately pay all amounts
              F.   The APR is 29.9%.
                                                                             either your local Trading Standards Department              due under this Agreement (whether or not then
              Other Financial Information                                                                                                payable) less any refund of premium and (where
              G.   This Agreement is to finance the premium                  or your nearest Citizens' Advice Bureau.
                                                                                                                                         applicable) a reduction for early payment.
                   payable for the Policy of Insurance, having Policy                                                              2.3   You have 14 days from the date on which you
                   Number 111111111-01.                                                                                                  receive this Agreement to withdraw from it.
              H.   The cash price for the Policy of Insurance is                                                                         Please contact us if you wish to exercise this
                   £367.09.                                                                                                              right. All amounts due under this Agreement
              I.   The advance payment required is £73.41.                                                                               must be paid to us no later than 30 calendar
              J.   Any payments made are allocated on a pro-rata                                                                         days after you exercise this right.
                   basis towards the amounts you owe.                                                                              3. Policy Proceeds
              K.   The total charge for credit is £36.71, which
                                                                                                                                   You authorise BISL Limited to i) collect, receive and
                   consists wholly of interest. The interest rate is
                                                                                                                                   otherwise obtain payment of all monies payable under
                   12.50% and interest will be calculated annually
                                                                                                                                   your policy whether by way of claims proceeds,
                   and applied monthly.
                                                                             Consumer Credit Act 1974. Sign it only if             premium refunds or otherwise and ii) apply such
              L.   In calculating the APR no account has been
                                                                             you want to be legally bound by its terms.            monies towards payment of the premium payable (to
                   taken of any variation that there may be to any
                                                                                                                                   the extent not already paid) and any other amounts
                   sum included in the total charge for credit. Such
                                                                                                                                   due under any agreement for the provision of credit to
                   variation may occur if you request a change to
                                                                                                                                   finance the payment of the premium. Any balance
                   your policy.
                                                                                                                                   remaining after the payment of those amounts shall be
              Key Information                                                                                                      paid to you but you will remain responsible for any
              M.   The charges that may apply under this                                                                           shortfall.
                   Agreement are £25 for a returned direct debit             Signature of Customer       Date of signature         4. General
                   payment.
                                                                                                                                   4.1   Any notice given to you shall be deemed
              N. You do not have the right to cancel this
                                                                                                                                         correctly served if sent by post to your last
                   Agreement under the Act, the Timeshare Act           As required by the Consumer Credit Act we                        known address.
                   1992 or the Financial Services (Distance             enclose two copies of your Credit                          4.2
                   Marketing) Regulations 2004.
                                                                        Agreement, please sign both.                                     Agreement to the Financial Ombudsman
              O. If you wish to settle this Agreement early the
                   amount you will have to pay us for the credit will   This is an Agreement for the arrangement by BISL                 Service.
                   be:                                                  Limited of credit to be provided by BFSL Limited to the    4.3   The Office of Fair Trading of Fleetbank House,
                                                                        Customer to finance the premium payable for the                  2-6 Salisbury Square, London EC4Y 8JX is the
                            At 3 months £7.35                                                                                            supervisory authority under the Act.
                                                                        Policy of Insurance details of which are set out above
                            At 6 months £18.36                                                                                     4.4   You are entitled to request a statement of
                                                                        and in the Policy Payment Arrangements (the
                            At 9 months £29.37                          "Policy"). The amount advanced will be paid directly to          account at any time throughout the duration of
              On calculating the above, no account has been taken       the intermediary arranging the Policy which will make            this Agreement which will be provided free of
              of any variation and the amounts are illustrative only.   payment to the relevant insurer.                                 charge.
                                                                                                                                   4.5   BFSL Limited may assign or transfer all or any of
              Missing Payments                                          1. Accelerated Payment                                           its rights and/or duties under this Agreement
              Missing payments could have severe consequences           All amounts due under this Agreement shall fall due              and/or any amounts owing by you, but no such
              and make obtaining credit more difficult.                 immediately if:                                                  transfer will have the effect of varying the terms
                                                                        1.1 you fail to make any payment on the due date or              of payment or any provision of this Agreement to
              Important - Read This Carefully To Find Out
                                                                              commit any breach of this Agreement;                       your detriment. No rights or obligations of yours
              About Your Rights                                                                                                          under this Agreement may be assigned or
              The Act lays down certain requirements for your           1.2 or any information provided by or on behalf of
                                                                              you in connection with this Agreement or the               transferred.
              protection which should have been complied with                                                                      4.6   This Agreement shall be governed by and
              when this Agreement was made. If they were not, the             Policy is incorrect.
                                                                                                                                         construed in accordance with English law.
              Creditor cannot enforce this Agreement without getting
              a court order.




                                                                                                                                                                             Page 9 of 32
Credit
Agreement
complaint
a
regulated
by
the
is
ou
have
LimitedThis
BFSL
of
a
right
to
behalf
take
a
this
about
on
and
for
Signed
Page 10 of 32
                                                     Insurance for your Volkswagen Passat
                                                     Details of Cover
                                                     You must read this sheet as it forms your contract of insurance,
                                                     together with the General Policy Terms and the Certificate of Motor
                                                     Insurance.




                                                     Your insurance is based on the information you gave us, as shown on
Our phone numbers                                    the front and back of this page. Please check all details carefully as
Customer services                                    they form the basis of your contract with your insurer. If any details are
                                                     incorrect or missing, you may have no insurance. To correct any of
0844 891 0321                                        your details or tell us about changes please call us straight away on
Mon to Fri 8am-10pm, Sat 8am-6pm                     0844 891 0321.
Sun 10am-4pm                                         Please also check the policy wording for your Motor Legal Protection.
                                                     These are in separate leaflets also included in this pack.
If you need to make a claim                          Remember, there's no charge for any changes you make to your
                                                     cover in the first 14 days. So if you want to add anything, just call us
0844 891 0326                                        on 0844 891 0321.
24 hours a day, 7 days a week

                                                     Summary of cover
Windscreen repairs
                                                     Cover type           Comprehensive Insurance Plus
0844 891 1864                                        Period of cover      11 April 2011 at 00:01 to 10 April 2012 at 24:00
24 hours a day, 7 days a week
                                                     The car              2003 Volkswagen Passat Sport Tdi Pd 1896cc
Visit us online                                                           4dr
http://www.rac.co.uk
                                                     Registration         Kxxxxxx

Your policy number                                   Regular Driver       Mr A Sample
                                                     Named driver         Mrs A Sample, Miss A Sample
111111111-01
Please tell us this number if you contact us         Policyholder         Mr A Sample

Issued by BISL Limited on behalf of Highway
                                                     Risk address         Sample, Sample, Sample
Insurance Company Limited®                           Postal address       Sample, Sample, Sample
Highway House
171 Kings Road                                       Phone numbers        Home 02000 000000 Work 02000 000000
Brentwood
CM14 4EJ                                             What else is included
Authorised and regulated by the Financial Services
Authority FSA Register number 202972                 Motor Legal Protection is adminstered by ACM ULR Limited,
                                                     underwritten by AmTrust Europe Limited
                                                     Breakdown cover
                                                     Vehicle recovery due to illness is provided by RAC Insurance
                                                     Limited

                                                                                       Now check your full details on the back 4




                                                                                                                  Page 11 of 32
                                                                                                                                     replacement locks
                     Please check these                                      Mrs A Sample, named driver                              If your ignition keys are lost or stolen, we will pay
                                                                                born 01 January 1999                                 the cost of replacing the:
                     details carefully                                         drivers licence - Full UK Licence - 9 Or More            affected locks;
                                                                                                                                        lock transmitter and central locking interface;
                     Please call us on 0844 891 0321 if anything                Years
                                                                               occupation - Hospital Worker                              affected parts of the alarm and/or immobiliser;
                     below or on the front of this page is                     illness or infirmity - None
                     incorrect - if any details are incorrect you               claims/losses - None                                 provided that you can establish to our satisfaction
                     may not be insured.                                                                                             that the identity or garaging address of your car is
                                                                                 convictions - None
                                                                                                                                     known to any person who is in possession of your
                     Your Demands and Needs                                  Miss A Sample, named driver
                                                                                                                                     ignition keys.
                     This policy is our personal recommendation as it                                                                Your no claims discount will not be affected just
                     meets your stated needs for:                                 born 01 August 1999                                because you have made a claim under this
                         your chosen level of cover - Comprehensive            drivers licence - Full UK Licence - 9 Or More         section.
                         Insurance Plus                                           Years
                                                                               occupation - Hospital Worker                          windscreen cover
                        your policy excess                                     illness or infirmity - None                           We will pay for the replacement or repair of the
                        legal expenses cover, in the event of a non            claims/losses - None                                  glass in your car's windscreen, sunroof or windows
                         fault accident                                        convictions - None                                    if it is lost or damaged or the bodywork of your car
                                                                                                                                     suffers scratching arising solely from the breakage
                     A summary of the benefits and exclusions of your
                     policy can be found in your policy summary. The         Car and contents cover                                  of glass.
                     full terms and conditions are also included within      If the car is lost, stolen, damaged or                  You must call the 'windscreen repairs' number
                     your documentation.                                     destroyed                                               before any work is carried out.
                                                                             We will at our option either pay for this car to be     For replacement glass, if you:
                     About the car                                           repaired by a repairer of our choice or pay you the         use our approved repairer, you will have to pay
                     registered keeper: Mr A Sample                          market value of the car. We will also pay                     the first £60 of the cost of glass replacement;
                     2003 Volkswagen Passat Sport Tdi Pd                     reasonable costs for the protection, removal and            do not use our approved repairer, the most we
                     1896cc 4dr                                              storage of the car and delivery after repair to your          will pay towards the cost of glass replacement
                                                                             home address. We may use warranted                            is £185 less your excess of £60.
                     Registration - Kxxxxxx
                                                                             replacement parts which are not supplied by the         Repair - if the glass is repaired rather than
                        estimated annual mileage - up to 6999                manufacturer of the car. If suitable replacement        replaced, no excess will apply.
                       where is the car parked overnight - Drive             parts are not available we will pay the
                       has this car been modified in any way - No            manufacturer's last list price.                         uninsured driver promise
                       anti-theft devices confirmed - Approved alarm                                                                 If the driver of your car is involved in an accident
                                                                             vandalism promise
                        and immobiliser - Confirmed                          If your car suffers damage caused by vandalism          caused by an uninsured motorist, we will refund
                       purchase date - April 2011                            your no claims discount will not be reduced in the      the cost of any excess you have had to pay. You
                       left hand drive - No                                  event of a claim under this section providing:          must provide:
                                                                                your car was parked and unattended at the                the vehicle registration and the make/model of
                     Uses for which the car is insured
                                                                                  time the damage was caused;                             the car; and
                     This car is insured while being used for social,
                                                                                damage was not due to fire or theft;                     the driver's details
                     domestic and pleasure purposes as well as
                     commuting to or from your permanent place of                damage was not caused by another vehicle;           The promise only applies where the driver of your
                     work. There will be no cover if the car is used for        you have reported the incident to the police and     car was not at fault for the accident.
                     racing, speed trials or rallies or for any business          provided us with the crime reference number.       Where the accident was not your fault and the
                     purpose or any use for hire or reward. There will       You will still be responsible for paying any            driver was uninsured, you will not lose your no
                     also be no cover if this car is used in connection      applicable excess.                                      claims discount.
                     with the motor trade. Any cover you have for loss       Vandalism is defined as malicious damage to your        courtesy cars
                     or damage to your car continues while the car is        car (other than by fire or theft) while parked and      This insurance also applies to any courtesy car our
                     being repaired or serviced by a member of the           unattended.                                             approved repairers provide to you while any
                     motor trade or being parked by an employee of a                                                                 damage to your car is being repaired. If you make
                     hotel or restaurant.                                    onward travel following an accident
                                                                             In the event of an accident if your car cannot be       a claim for loss or damage to the courtesy car you
                                                                             made roadworthy within a reasonable time we will        will be required to pay the excesses as shown
                     About Mr A Sample, regular driver                                                                               below. All other terms, exceptions and conditions
                                                                             arrange to transport you and your passengers
                        born 01 August 1999                                  home to any destination in Great Britain (Isle of       of your insurance remain the same. If you still have
                        marital status - Married                             Man and the Channel Islands is not included).           the courtesy car when your insurance expires, you
                       driver's licence - Full UK Licence - 9 Or More                                                                must renew it to remain insured on the courtesy
                        Years                                                accessories                                             car.
                      car insurance cancelled or renewal declined in         We will pay for the loss of or damage to
                                                                             accessories of this car when fitted to the car or       about the excesses on this policy
                        the last 5 years - No                                                                                        The excess for claims under this section will be:
                      other car(s) available - Yes                           stored in your private garage excluding trailers and
                      status - Employed                                      any sound equipment.                                    In respect of sound equipment - £100
                                                                                                                                     In respect of window glass only - £60
                      occupation - Delivery Driver                           personal property                                       In respect of all other claims - £350
                      employer's business - Delivery Service                 We will pay for the loss of or damage to personal
                      illness or infirmity - None                            effects in this car, excluding money or goods           This section of your policy does not provide
                      claims/losses - None                                   otherwise insured, up to a maximum of £250 per          cover for:
                      convictions - None                                     incident.                                               1)   wear and tear or depreciation.
                                                                             sound equipment                                         2)   mechanical, electrical, electronic or computer
                     Mr A Sample's no claims discount (NCD)                                                                               failures or breakdowns.
                                                                             If the sound equipment fitted to this car is lost or
                     Current NCD entitlement: 9 years. Your no claims        damaged we will at our option either replace it with    3)   damage caused by the process of cleaning,
                     discount is protected and will not be affected by       equipment to the standard normally fitted by the             modification, repairing or restoring or by any
                     the first 2 claims in any three year period of cover.   manufacturer or pay you what we would pay for                gradually operating cause.
                     If we pay or are notified of a third or subsequent      such replacement. The most we will pay is £1000         4)   damage to tyres caused by punctures, cuts or
                     claim within the three-year period your discount        less any excess which applies. There is no limit on          bursts.
                     will be reduced in accordance with our scale.           manufacturer fitted equipment.                          5)   costs resulting from loss of use.
                     Claims which are just for window glass or                                                                       6)   that part of the cost of repair or replacement
                     emergency treatment as defined in the Road              child seat cover                                             which improves the insured property beyond
                     Traffic Acts or Orders, vandalism, replacement          If you have a child seat fitted in your car and your         its condition immediately before the loss or
                     locks and claims where the accident was not your        car is involved in an accident or damaged following          damage incurred.
                     fault and the driver was uninsured are not counted.     fire or theft we will contribute up to £100 per child   7)   incidents occurring outside the United
                     We will issue your proof of no claims discount as       seat towards the cost of a replacement even if               Kingdom where the trip extends beyond 60
                     long as you have paid all the premiums you owe          there is no apparent damage, subject to you                  days duration or outside the European Union
                     us.                                                     making a claim on this insurance policy.                     (EU) unless extended cover for such use is

                                                                                                                                                                           Page 12 of 32
details
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                 arranged in advance and the premium for              legal expenses
                 such an extension is paid.                           If you are charged with an offence or face a civil
             8) reduction in the value of this car following          lawsuit you should contact us. If the incident could
                 repair.                                              lead to a claim against this policy we may take
             9) any loss arising in connection with any fraud         over the legal costs.
                 or deception.
             10) loss of or damage to the car which arises as a       Automatic renewal
                 result of any agreement or transaction
                 involving the car.                                   For your protection, we reserve the right to
             11) loss or damage resulting from your car being         automatically renew this policy. If we do not
                 taken without your permission by a member            receive your instructions to cancel this policy from
                                                                      the renewal date, we may, at our option, renew the
                 of your family, or anyone who normally lives
                 with you.                                            insurance cover under this policy. You will then be
                                                                      liable for any premiums that fall due. You may opt
             Driver and passenger cover                               out of the automatic renewal process at any time
                                                                      by contacting our Customer Services helpline.
             vehicle recovery due to illness
             If you or any named driver as shown on your              We also reserve the right to automatically renew
             certificate of motor insurance are taken seriously ill   any of the extra cover taken with this policy.
             requiring treatment from a qualified medical              Motor Legal Protection
             practitioner and cannot continue your/their journey
             the following recovery service is available for the
             vehicle described on your certificate of motor
             insurance:
             Transportation of your vehicle to your home or
             single address anywhere in Great Britain.
             You will be required to produce a medical
             certificate prior to the provision of this service.
             What is not covered:
             1)   any incident which occurs outside Great
                  Britain.
             2) any incident where your vehicle is within a
                  quarter of a mile of your home address or
                  place where your vehicle is usually kept.
             3) any incident where your vehicle is disabled,
                  has suffered mechanical or electrical
                  breakdown or failure, or is unroadworthy.
             4) any incident where illness is directly caused
                  by or due to the effects of alcohol and or
                  drugs.
             A claim solely under this section will not affect your
             no claim discount.
             medical expenses
             We will pay medical expenses up to £250 for each
             person who suffers any injury arising from an
             accident while the person is in this car.
             death or injury cover
             We will pay £5,000 in respect of either the Regular
             Driver or the Regular Driver's spouse or both if
             they suffer accidental bodily injury while travelling
             in, or getting out of any private car and such injury
             results in death, the total and irrecoverable loss of
             sight of one or both eyes, or the permanent loss of
             use of one or more hands or feet.
             death or injury exclusions:
             These amounts will not be payable in respect of:
             1) death, loss of sight or loss of use of limbs not
                 occurring within three months of the accident.
             2) more than £5,000 for a single claim and more
                 than £10,000 per year.
             3) more than £5,000 for the Regular Driver and /
                 or the Regular Driver's spouse.
             4) intentional self-injury or suicide.
             5) death or injury following an accident when a
                 member of your household was driving under
                 the influence of drugs or alcohol to an extent
                 which would constitute an offence under the
                 laws of the country in which the accident
                 occurred.
             6) death or injury arising wholly or in part from
                 any natural or inherent disease or medical
                 condition.
             7) persons 75 years of age and over.
             emergency treatment
             We will pay for any emergency treatment for
             injuries arising out of the use of this car.




                                                                                                                             Page 13 of 32
Legal
Motor
Protection
Page 14 of 32
                                                                        Insurance for your Volkswagen Passat
                                                                        General Policy Terms
                                                                        You must read this sheet as it forms your contract of insurance, together
                                                                        with the Details of Cover and the Certificate of Motor Insurance.




                                                      Amending this insurance                                    Cover for other parties
Your policy number                                    If you wish to make a change to this policy simply         We will provide the same cover to:
                                                      inform us of the change you wish to make. If we            1   any person who is permitted to drive this car as
111111111-01                                          agree to the change, we will also agree on the                 shown in the 'Details of Cover' and who is using
                                                      effective date of the change and no period of notice is        the car with your consent.
                                                      required.                                                  2   any passenger travelling in, or getting into or out
These terms contain important information about
your policy number 111111111-01 and what it           Your obligations as the policy holder                          of this car.
covers. If you break any of these terms, the cover    Failure to comply with any of the following conditions     3   any person using this car with your permission
for your Volkswagen Passat may become invalid.        may invalidate your cover.                                     but not driving.
                                                            You must ensure that:                                4   The legal representative of anyone entitled to be
The cover described below is included in all of       1.1 the car is kept in a roadworthy condition.                 covered in respect of the liability incurred, if that
our policies for cars in use on the road. Any         1.2 all reasonable steps are taken to safeguard the            person dies.
additional cover which applies to this vehicle is           car against loss or damage.                          5   If this car is insured for business use and the
described in a separate document called Details       1.3 the car is locked, windows and other openings              accident is on a road or public place as defined
of Cover.                                                   are closed, any required security devices are            in the Road Traffic Acts or Orders, we will pay
                                                            activated and all keys and keyless entry system          any amount for which the employer or business
These documents together with the Certificate of            devices are removed when it is left unattended.          partner of the Regular Driver or the Regular
Motor Insurance and any later amendments form         1.4 we are supplied with true and complete                     Driver's spouse becomes legally liable as a
the contract of insurance.                                  information about the car and the insured                result of the use of this car by the Regular Driver
                                                            drivers and any incident of loss or damage               or the Regular Driver's spouse in the course of
Issued by BISL Limited on behalf of Highway                 which may involve us as your insurers.                   their business or employment.
Insurance Company Limited®.                           1.5 all reasonable requests made by us are                 Cover for using the car in Europe
                                                            complied with.                                       This policy provides the compulsory Third Party
                                                      1.6 the police are notified within 48 hours of you or
Definitions                                                 the Regular Driver becoming aware of any
                                                                                                                 Liability insurance required to use this car in the
Certain words are defined below. These words have                                                                European Union. You do not even need a 'Green
                                                            incident involving theft, attempted theft, or        Card', your Certificate of Motor Insurance is enough
the same meaning whenever they appear.                      malicious damage and a crime reference               proof of insurance within the EU. By law as a result of
Car The car specified in this policy by make, model         number is obtained.                                  EC and EU directives, we must extend this cover to
and registration.                                     1.7 no costs are incurred and no admission of              many other countries. Before travelling outside the
                                                            liability, offer or settlement is made to a third    EU you are advised to contact us to make sure that
Policy The contract of insurance which consists of          party without our consent.
this document headed General Policy Terms,                                                                       you are covered.
                                                      1.8 the car has a current MOT certificate if
together with the Details of Cover and the                  applicable.                                          Drive other cars extension
Certificate of Motor Insurance with the same policy   2     We must be notified as soon as possible of:          The cover for Liability to Third Parties section of this
number and any subsequent amendments.                 2.1 a change of address for where the car is               policy is extended to the Regular Driver when driving
Regular driver The person named as such in the              normally kept overnight (the risk address).          other cars not owned by the Regular Driver only if this
"Details of Cover" who we were told is the person     2.2 you or the Regular Driver becoming aware of            extension is shown on the current Certificate of Motor
who drives the car the most often.                          any accident or loss involving this car or of any    Insurance. This cover will not apply if you no longer
                                                            other incident which may lead to a claim by you      have your car or if it has been damaged beyond
We/us/our The insurer named above acting directly           or by a third party.                                 economical repair.
or through our authorised agents BISL Limited.
                                                      Liability to third parties                                 General exclusions
You/your/policyholder The person named as the
                                                      We will pay any amounts, up to the limits set out          This policy does not insure:
Policyholder in the Details of Cover.
                                                      below, for which the Regular Driver is legally liable as   1    loss, damage, destruction, injury or liability:
Risk address The address where the car is normally    a result of:                                               1.1 arising while the car is being driven by any
kept overnight.                                       (i)  accidental death of or injury to persons and               person:
                                                      (ii) loss of or damage to property caused by or                  i)  not covered by your Certificate of Motor
                                                           arising out of the use of this car or the towing by             Insurance and/or
                                                           this car of any trailer or disabled vehicle (other          ii) who does not hold or comply with the
                                                           than for reward) in the United Kingdom.                         conditions of a valid licence to drive such a
                                                      The amount payable in respect of accidental death or                 vehicle in the country and at the time of the
                                                      injury is unlimited. In no circumstances will the total              incident other than any holder of a foreign
                                                      amount payable in respect of loss of or damage to                    driver's licence who is specifically named as
                                                      property resulting from any one claim or number of                   a permitted driver on this policy.
                                                      claims arising from one cause and insured under this       1.2   arising while the vehicle is being used other
                                                      section exceed £20 million.                                      than for the purposes shown in your Certificate
                                                                                                                       of Motor Insurance.
                                                                                                                 1.3   deliberately caused by any person entitled to be
                                                                                                                       covered under this policy or any person acting
                                                                                                                       on their behalf.




                                                                                                                                                         Page 15 of 32
1.4   arising from any incident occurring in any period       provision of credit to finance the payment of the
      in which any premium or any instalment in               premium and iii) hold your premium and any money
      payment of any premium is unpaid and overdue.           received from your insurer whether a refund of
1.5   caused by the radioactive, toxic, explosive or          premium from a change you have made or a cash
      other hazardous properties of any explosive             settlement of a claim you have made as an agent of
      nuclear assembly or nuclear component or of             your insurer.
      any nuclear fuel or any nuclear waste.                  Any balance remaining after the payment of those
1.6   caused directly or indirectly by war, invasion, act     amounts shall be paid to you but you will remain
      of enemy hostilities (whether war be declared or        responsible for any shortfall.
      not), civil war, rebellion, revolution, insurrection
      or military or usurped power other than to meet         Fraudulent claims
      the requirements of the Road Traffic Acts or            If any false, fraudulent or exaggerated claim is made
      Orders.                                                 under this policy or any fraudulent means are used to
1.7   resulting from confiscation, nationalisation,           obtain any benefit under this Policy then no part of
      requisition or destruction of or damage to              any claim will be paid and all cover under the Policy
      property by or under the order of any                   will be forfeited.
      government or public or legal authority.
1.8   caused by riot, civil commotion or any act of           Other insurances
      terrorism occurring elsewhere than in England,          If at the time of any incident which results in a claim
      Scotland, Wales, the Isle of Man or the Channel         under your policy there is any other insurance in force
      Islands.                                                covering the same liability, loss or damage, we will
2     liability arising from any agreement or contract        only pay our share of the claim. The share to be paid
      unless that liability would have existed                by each insurer will be determined either by the
      otherwise.                                              appropriate Court or by agreement between the
3     any losses that are not directly associated with        insurers involved.
      the incident that caused you to claim, unless
      expressly stated in this policy.
                                                              Law
                                                              The parties to this contract of insurance are permitted
Third Party Exclusions                                        to choose the law applicable to the contract. This
Liability to Third Parties cover does not insure:             policy is governed by English Law and English will be
1     the loss or damage to the car which is legally          the language used.
      held to have caused death, injury or damage in          Notice
      the incident for which the person responsible for
      the damage is claiming the protection of this           Notice which we are required to give you under this
      policy.                                                 policy will be sent to you by post to the postal address
                                                              shown in the 'Details of Cover'. The notice will begin
2     the loss of or damage to property belonging to          on the day such notice is posted.
      or held in trust by or in the custody or control of
      the person responsible for the damage and who           Cancelling this insurance
      is claiming the protection of this policy.              You may cancel your policy with immediate effect by
3     the liability of any person who is entitled to          notifying us by phone or by post. Our contact details
      equivalent protection under any other contract of       can be found on the reverse of your Certificate. We
      insurance.                                              may cancel this policy by giving you at least seven
4     any liability arising from the use of the car in that   days notice in writing. Where a policy is cancelled a
      part of an airport or aerodrome provided for the        refund of part of the premium paid may be due.
      take-off and landing of aircraft or for the             Refunds will only be payable if the Certificate of Motor
      movement or parking of aircraft on the ground.          Insurance is returned to us. Any premium refund due
                                                              will be calculated as follows, less any deduction
5     any liability arising from pollution or
                                                              shown in the Policy Payment Arrangements.
      contamination unless the pollution or
      contamination is directly caused by a sudden            If you cancel within 14 days of receipt of your policy
      identifiable unintended and unexpected incident         documentation, we will refund that part of the
      which occurs in its entirety in a specific time and     premium paid which relates to the term of the policy
      place during the period of insurance. This              remaining at the date of cancellation. This amount will
      exception will not apply where such cover is            be refunded when we receive the Certificate, unless
      necessary to meet the requirements of                   you have made a total loss claim in which case no
      compulsory motor insurance legislation.                 refund will be given. Thereafter refunds will only be
                                                              given if no incident has occurred which has led to a
6     any liability for acts of terrorism except as is
      necessary to meet the requirements of the Road          claim, or may yet lead to a claim against the policy
                                                              and calculated as follows.
      Traffic Acts or Orders.
                                                              If you or we cancel within 12 months of the Policy
7     any amount above £20 million for loss of or
                                                              Start Date, we will calculate the premium for the
      damage to other people's property arising out of
                                                              period of cover based on our short period rates in
      any claim or number of claims caused by one
                                                              force when we receive the Certificate of Motor
      event.
                                                              Insurance and refund any excess premium you have
Rights which we reserve                                       paid.
We are entitled to:
1   take over and conduct the defence and
    settlement of any claim in your name or in the
    name of any other person insured by your
    policy.
2   instigate proceedings at our own expense and
    for our own benefit but in your name or in the
    name of any other person insured by your policy
    to recover any payment that we have made
    under your policy.
3   recover from you the amount of any claim that
    we are required to settle by law which we would
    not otherwise have paid.
4   pay the legal owner of the car in the event of a
    loss.
5   require proof of ownership and value of the
    insured property in the event of a loss.
6   fulfil our obligation to pay for loss or damage by
    repair or replacement at our option.
Premium payment and proceeds
By paying us the premium required by your insurer for
the period of insurance, you authorise BISL Limited to
i) collect, receive and otherwise obtain payment of all
monies payable under your policy whether by way of
claims proceeds, premium refunds or otherwise and
ii) apply such monies towards payment of the
premium payable (to the extent not already paid) and
any other amounts due under any agreement for the


                                                                                                                         Page 16 of 32
                                                                  Insurance for your Volkswagen Passat
                                                                  Customer Information




                   Our phone numbers
                                                                  Service standards
                   Customer services                              We aim to provide a high level of service to all our customers but
                   0844 891 0321                                  occasionally things can go wrong, when this happens we will do
                   Mon to Fri 8am-10pm, Sat 8am-6pm               everything we can to put things right.
                   Sun 10am-4pm
                   Please call this number if you have any        Complaints Procedure
                   questions, or to tell us about changes         If you have a complaint about our service or the administration of your
                                                                  policy, please contact us in the first instance by phoning Customer
                   If you need to make a claim
                                                                  Services on 0844 891 0321. We will aim to resolve your complaint over
                   0844 891 0326                                  the phone within 24 hours.
                   24 hours a day, 7 days a week                  If your complaint is not resolved to your satisfaction within 24 hours we
                   Windscreen repairs                             will send you a written acknowledgment of your complaint together with
                                                                  the next steps we will be taking to resolve it. If you prefer to put your
                   0844 891 1864                                  complaint in writing please send it to Chief Executive, RAC Financial
                   24 hours a day, 7 days a week                  Services, PO Box 6, Surrey Street, Norwich, NR1 3NS.
                   Visit us online                                Next Steps
                   http://www.rac.co.uk                           In the unlikely event that your complaint remains unresolved four weeks
                                                                  after being made, we will send you either our final response or a letter
                   Your policy number
                                                                  explaining why we are not yet in a position to resolve your complaint and
                   111111111-01                                   advise you when we will be in contact again.
                   Please tell us this number if you contact us
                                                                  If after eight weeks of making your complaint we are still not in a position
                   Our address                                    to issue you with our final response we will send you a letter explaining
                                                                  the reason for the delay and advising you of your right to complain to the
                   RAC Insurance                                  Financial Ombudsman Service.
                   Fusion House
                   Bretton Way                                    If following our final response your complaint has not been resolved to
                   Bretton                                        your satisfaction, you can refer it to The Financial Ombudsman Service,
                   Peterborough                                   South Quay Plaza, 183 Marsh Wall, London E14 9SR.
                   PE3 8BG
                                                                  Making a claim
                   For friends who would like a quote             To report a claim or for claims enquiries call Claims on 0844 891 0326.
                   0844 891 3561                                  Please make sure you have the following information when you call:
                   Mon to Fri 8am-10pm, Sat 8am-6pm                date, time and description of the incident.
                   Sun 10am-4pm                                    details of any third party involved including name, address, vehicle
                                                                    registration.
                                                                    name and address of any witnesses.
                                                                    if the Police were in attendance, the incident reference number.




                                                                                                                                          Page 17 of 32
the
and
description
of
number.
reference
incident
the
attendance,
in
were
Police
the
witnesses.if
any
of
address
and
name
vehicle
address,
name,
including
involved
party
third
any
of
incident.details
time
date,
               Who regulates us                                   Your personal data                                 the Police to establish whether a driver's use of
               RAC Insurance, is a trading name of RAC            For mutual security calls are recorded and may     the vehicle is likely to be covered by a motor
               Financial Services Limited. Registered in          be monitored for training purposes. For the        insurance policy and/or for preventing and
               England no. 5171817. Registered office: 8          purposes of the Data Protection Act 1998 the       detecting crime. If you are involved in an
               Surrey Street, Norwich NR1 3NG. A member of        Data Controller in relation to the personal data   accident (in the UK or abroad), other UK
               the AVIVA Group. Authorised and regulated by       you supply is RAC Insurance.                       insurers, The Motor Insurers' Bureau and the
               the Financial Services Authority.                                                                     MIIC may search the MID to obtain relevant
                                                                                                                     policy information.
               RAC Car Insurance is administered by BISL          Data Protection Notice
               Limited.                                           PLEASE READ this notice as it explains the         Persons pursuing a claim in respect of a road
                                                                  purposes for which we will use personal data       traffic accident (including citizens of other
               BISL Limited, is authorised and regulated by
                                                                  and sensitive personal data which we hold.         countries) may also obtain relevant information
               the Financial Services Authority (FSA).
                                                                  PLEASE show this notice to anyone insured to       which is held on the MID. You can find out
               Our FSA Register number is 308896.                                                                    more about this from us or at www.miic.org.uk
                                                                  drive the vehicle covered under this policy.
               Our permitted business is arranging general
                                                                  Insurance Administration, Renewal and              Sensitive Personal Data
               insurance contracts.
                                                                  Claims Handling                                    In order to assess the terms of the insurance
               You can check this on the FSA's Register by        Information you supply may be used for the         contract or administer claims, we will need to
               visiting the FSA's website                                                                            collect personal data which the Data Protection
                                                                  purpose of insurance administration, renewal
               www.fsa.gov.uk/register or by contacting the                                                          Act 1998 defines as sensitive, such as medical
                                                                  and claims handling by the insurer, its agents,
               FSA on 0845 606 1234.                              reinsurers and your intermediary. In assessing     history or criminal convictions and we may
               Our insurance products                             any claims made, insurers may undertake            need to transfer this data overseas. By
               We offer products from a range of insurers for     checks against publicly available information      proceeding with this contract, you will signify
               car insurance.                                     such as Electoral Register, County Court           your explicit consent to such information being
                                                                  Judgements, bankruptcy or repossession             processed by the insurer or its agents.
               We only offer products from a single insurer for
                                                                  information. Information may also be shared        Overseas Transfer of Data
                 Motor Legal Protection, underwritten by
                                                                  with other insurers either directly or via those
                   AmTrust Europe Limited                                                                            We and the other companies processing your
                                                                  acting for the insurer such as Loss Adjusters or
                                                                                                                     data for the purposes mentioned above may
                                                                  investigators.
               Our fees and charges                                                                                  from time to time need to undertake some of
               Cancellation fee                                   Credit Searches                                    the processing in countries outside of the
               If you cancel more than 14 days after receiving    In assessing your application/renewal, we may      European Economic Area which may not have
                                                                  search files made available to us by Credit        laws to protect your personal data, but in all
               your policy documentation we will charge you a
                                                                  Reference Agencies. They may keep a record         cases we will ensure that it is kept securely and
               fee of £35.
                                                                  of that search. We may also pass to Credit         only used for the purposes for which you
               Administration fee                                                                                    provided it. Details of the companies and
                                                                  Reference Agencies information we hold about
               All policy amendments are subject to a £25         you and your payment record with us. Credit        countries involved can be provided on request.
               administration fee.                                Reference Agencies share information with          Your Rights
               Payment default fee                                other organisations, enabling applications for
                                                                                                                     Following payment of a fee you are entitled to
               If we need to resubmit a request for payment to    financial products to be assessed or to assist
                                                                                                                     request a copy of information we hold about
               your bank you will have to pay a £25 payment       the tracing of debtors, or to prevent fraud. We
                                                                                                                     you. If you have any questions or you would
               default fee.                                       may ask Credit Reference Agencies to provide
                                                                                                                     like to find out more about this notice please
               Documentation reprint fee                          a credit scoring computation. Credit scoring
                                                                                                                     write to The Data Protection Officer, RAC
               If you want a duplicate copy of your policy        uses a number of factors to work out risks
                                                                                                                     Insurance, Pegasus House, Bakewell Road,
               documents you will have to pay a £25 reprint       involved in any application. A score is given to
                                                                                                                     Peterborough PE2 6YS.
               fee.                                               each factor and a total score obtained and this
                                                                  together with other factors will be used to
               Compensation                                       accept or reject your application.
               We are covered by the Financial Services           Marketing and Market Research
               Compensation Scheme (FSCS). You may be             RAC Insurance and its agents may use your
               entitled to compensation from the scheme if we     information to keep you informed by post,
               cannot meet our obligations. This depends on       telephone, email or other means of products
               the type of business and the circumstances of      and services which may be of interest to you.
               the claim. Insurance advising and arranging is     They may also contact you to conduct market
               covered for 90% of the claim, without any upper    research. Your information may also be used
               limit. For compulsory classes of insurance,        for the above purposes after your policy has
               insurance advising and arranging is covered for    lapsed. If you do not wish your information to
               100% of the claim without any upper limit.         be used for these purposes please write to The
               Further information about compensation             Data Protection Officer, at the address below.
               schemes arrangements is available from the
               FSCS website www.fscs.org.uk or write to           Claims & Underwriting Exchange Register
               Financial Services Compensation Scheme, 7th        Insurers pass information to the Claims and
               Floor Chambers, Portsoken Street, London E1        Underwriting Exchange Register run by
               8BN.                                               Insurance Database Services Limited (IDS Ltd),
                                                                  the Hunter Database, run by MCL Software Ltd
               Automatic renewal                                  and the Motor Insurance Anti Fraud and Theft
               For your protection, we reserve the right to       Register, run by the Association of British
               automatically renew this policy. If we do not      Insurers (ABI) to help us check information
               receive your instructions to cancel this policy    provided and also to prevent fraudulent claims.
               from the renewal date, we may, at our option,      When we deal with your request for insurance,
               renew the insurance cover under this policy.       we may search these Registers and any other
               You will then be liable for any premiums that fall relevant registers. Under the conditions of your
               due. You may opt out of the automatic renewal policy, you must tell us about any incident (such
               process at any time by contacting our Customer as an accident or theft) which may give rise to a
               Services helpline.                                 claim. When you tell us about an incident, we
               We also reserve the right to automatically         will pass this information to the Registers and
               renew the extra cover taken with this policy.      any other relevant registers. You can ask us for
                                                                  more information about this.
                 Motor Legal Protection
                                                                  Motor Insurance Database
                                                                  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

                                                                                                                                                       Page 18 of 32
Protection
Legal
Motor
by
underwritten
Protection,
Legal
Motor
                                          Insurance for your Volkswagen Passat
                                          Certificate of Motor Insurance
                                          Your certificate number

                                          111111111 01 001 01
                                          Issued by BISL Limited on behalf of Highway Insurance Company Limited®,
         Mr A Sample                      registered in England and Wales number 3730662, authorised and regulated
         Sample                           by the Financial Services Authority, register number 202972.
         Sample
         Sample
                                          1   Registration mark of vehicle:
                                              a) Kxxxxxx
                                          2   Policyholder          Mr A Sample
                                          3   Effective date for the start of insurance (for the purposes of the relevant law)
                                                                    00:00 on 11 April 2011
                                          4   Date of expiry        24:00 on 10 April 2012
Your policy number                        5   Persons or classes of persons entitled to drive (Provided that the
                                              person holds a licence to drive the vehicle or has held and is not disqualified from holding such
111111111-01                                  a licence)
                                                                            Mr A Sample
Please keep this certificate in a safe
place.                                                                      Mrs A Sample
                                                                            Miss A Sample
It is an important legal document and
may need to be returned to us in              Mr Giuseppe Visconti is also insured to drive with the owner's consent any motor car not
                                              belonging to him and not hired to him under a hire purchase or lease agreement and provided
certain circumstances. If you lose this       that the motor car is being used within the limitations listed below. This cover is restricted to
certificate or it is destroyed, we will       Third Party Liability only.
charge you £25 to send a duplicate
certificate.                              6   Limitations as to use.
                                              This car is insured while being used for social, domestic and pleasure purposes as well as
                                              commuting to or from your permanent place of work. There will be no cover if the car is used
Useful phone numbers                          for racing, speed trials or rallies or for any business purpose or any use for hire or reward.
                                              There will also be no cover if this car is used in connection with the motor trade. Any cover you
                                              have for loss or damage to your car continues while the car is being repaired or serviced by a
If you need to make a claim                   member of the motor trade or being parked by an employee of a hotel or restaurant.

0844 891 0326                                 I hereby certify that the Policy to which this certificate relates satisfies
                                              the requirements of the relevant law applicable in Great Britain, Northern
24 hours a day, 7 days a week
                                              Ireland, the Isle of Man, the Island of Guernsey, the Island of Jersey and
                                              the Island of Alderney.
Windscreen repairs                            Signed
                                                                                                       For Highway Insurance Company
0844 891 1864                                                                                          Limited®
                                                                                                       Authorised Insurers
24 hours a day, 7 days a week                                                                          Registered Office:
                                                                                                       County Gates
                                                                                                       Bournemouth
                                              John O'Roarke, Chief Executive                           BH1 2NF

                                              Note: This certificate is evidence of insurance as
                                              required by the Road Traffic Acts or Orders only.
                                              Please refer to the policy documents for full details
                                              of the insurance cover.

                                              Advice to Third Parties. Nothing contained in this
                                              certificate affects your rights as a Third Party to
                                              make a claim.




                                                                                                                                           Page 19 of 32
Our phone numbers                     Had an Accident? We can help you
                                      If you've had an accident or need to make a claim, just call our 24 hour
Customer services                     claims helpline on 0844 891 0326 and let us do the hard work for you.
0844 891 0321
Mon to Fri 8am-10pm, Sat 8am-6pm
Sun 10am-4pm
Please call this number if you have
any questions, or to tell us about
changes

Your policy number

111111111-01
Please tell us this number if you
contact us

For friends who would like a quote

0844 891 3561
Mon to Fri 8am-10pm, Sat 8am-6pm




                                                                                                            Page 20 of 32
                                                                                                  Instruction to your
                                                                                                  Bank or Building Society
                                                                                                  to pay by Direct Debit
                    Please fill in the whole form using a ball point pen and send it to:

                      BISL Limited
                      Fusion House
                      Bretton Way
                      Bretton
                      Peterborough
                      PE3 8BG

                                                                                                Originator's Identification Number



                    Name(s) of account holder(s)
                                                                                                Reference
                      Mr A Sample



                    Bank/Building Society account number
                                                                                                Instruction to your Bank or Building Society
                       *       *       *       *       0       9       8       4                Please pay BISL Limited Direct Debits from the account detailed in this
                                                                                                instruction subject to the safeguards assured by the Direct Debit
                    Branch Sort Code                                                            Guarantee. I understand that this instruction may remain with BISL
                      0        0       0       0       0       0                                Limited and, if so, details will be passed electronically to my Bank/Building
                                                                                                Society.


                    Name and full postal address of your Bank or Building Society

                     To: The Manager                                    Bank/Building Society



                                                                                                 Signatures




                                                            Postcode




                                                Banks and Building Societies may not accept Direct Debit Instructions for some types of account
               ------------------------------------------------------------------------------------------------
                                                                   This guarantee should be detached and retained by the payer



                                                                   The Direct Debit Guarantee
                             This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits.

                             days in advance of your account being debited or as otherwise agreed. If you request BISL Limited to collect a
                             payment, confirmation of the amount and date will be given to you at the time of the request.

                             entitled to a full and immediate refund of the amount paid from your bank or building society.



                             be required. Please also notify us.
may
confirmation
Written
society.
building
or
bank
your
contacting
simply
by
time
any
at
Debit
Direct
a
cancel
can
to.You
you
asks
Limited
BISL
is
Address
it
pay
must
you
by
entitled
not
are
of
refund
a
receive
you
If
are
you
society,
building
or
bank
your
or
Limited
BISL
payment
error
an
If
working
10
you
notify
will
Limited
BISL
Debit,
Direct
to,
your
Debit
Direct
your
of
frequency
or
the
date
amount,
in
the
to
you
made
changes
any
are
there
If
Date
when
back
                                                                                                                  Policy Summary




Some important facts about your car insurance are summarised below. This summary does not describe all the terms and
conditions of your policy, so please take time to read the policy document to make sure you understand the cover it
provides.

Your cover is valid from 00:01 on 11 April 2011 and ends at 24:00 on 10 April 2012. This policy is underwritten by Highway
Insurance Company Limited® .

Standard Features - Comprehensive Insurance Plus
Features and benefits included automatically                   Significant exclusions or limitations                        Policy section

Cover for loss or damage                                       Loss or damage arising from theft whilst the ignition keys   General Policy Terms
If your vehicle is stolen, damaged or destroyed.               have not been removed from the vehicle.
                                                               Claims payable will be less the policy excess as stated.     Details of Cover

Cover for driving abroad                                       You must tell us before travelling outside the EU so that    General Policy Terms
Includes compulsory Third Party Liability insurance required   we can tell you whether cover is available and if so, any
to use the vehicle in the European Union.                      additional payment required.
Cover also includes 60 days comprehensive cover within the                                                                  General Policy Terms
EU.                                                            Cover is for up to 60 days per trip.
                                                               Cover outside of the EU or for greater than 60 days may be
                                                               available subject to individual underwriters terms and
                                                               conditions and must be agreed in advance.

Legal Liability                                                Cover is limited to £20,000,000 for damage to property.      General Policy Terms
For loss or damage to other peoples property, causing injury   This limit includes all costs, expenses and losses not
or death to other people.                                      directly associated with the incident that caused you to
                                                               claim.
                                                               Cover for injury or death is unlimited.

Cover for car accessories                                      Only applies to accessories fitted to the vehicle or         Details of Cover
                                                               stored in your private garage - excludes trailers and
                                                               sound equipment.

Sound equipment cover                                          We will either replace sound equipment to the standard       Details of Cover
                                                               normally fitted by the manufacturer or pay you what we
                                                               would pay for such replacement.
                                                               The maximum we will pay is £1,000 less any excess
                                                               applicable. There is no limit on manufacturer fitted
                                                               equipment.

Child seat cover                                               We will contribute up to £100 per child seat fitted in       Details of Cover
                                                               your car if your car is involved in an accident or
                                                               damaged following fire or theft.

Courtesy car                                                   While the car is being repaired by one of our approved       Details of Cover
                                                               repairers following an accident covered by your policy.
                                                               Courtesy cars are subject to availability and the
                                                               supplying garage's terms & conditions.

Personal accident                                              When a member of your household was driving under the        Details of Cover
We will pay £5,000 if either the Regular Driver or Regular     influence of drugs or alcohol to the extent which would
Driver's spous e were killed or suffer loss of limb or sight   constitute an offence under the laws of the country in
while travelling in or getting ou t of any car.                which the accident occurred. A limit of £5,000 per claim
                                                               applies. An annual limit of £10,000 applies.

Windscreen cover                                               For a replacement windscreen/window you will have to pay     Details of Cover
Repairs are free of charge with our Glass Helpline.            the first £60 of any claim. If you do not use an approved
                                                               repairer, the most we will pay is £185 less the £60
                                                               excess.
                                                               Losses not directly associated with the incident that
                                                               caused you to claim.

Driving other cars                                             Cover is restricted to Third Party Only and does not cover   General Policy Terms
The Regular Driver is covered to drive other cars.             cars hired under a hire purchase or lease agreement or
                                                               cars owned by the Regular Driver. Cover will not apply if
                                                               you no longer have the insured car or if it has been


                                                                                                                                         Page 23 of 32
                                                              damaged beyond economical repair.

Vandalism cover                                               Damage caused by another vehicle or fire or theft is not     Details of Cover
If your car suffers damage caused by vandalism your no        covered.
claims discount will not be affected.

Replacement locks                                                                                                          Details of Cover
If your ignition keys are lost or stolen, we will pay the
cost of replacing the affected locks, lock transmitter and
central locking interface and the affected parts of the
alarm and/or immobiliser.

Uninsured driver promise                                      Only applies where the driver of your car was not at         Details of Cover
If the driver of your car is involved in an accident caused   fault.
by an uninsured motorist, we will refund the cost of any
excess you have had to pay.



Optional Benefits
Optional Cover                                                Significant exclusions or limitations                        Policy section

No claims discount protection                                 You must have at least 4 years no claims discount.           Details of Cover
We will not reduce your no claims discount unless more than   Available subject to underwriting terms and conditions.
2 claims happen over a 3 year period of cover.

Legal Protection                                              Cover is limited to a maximum of £100,000.                   Motor Legal Protection
Underwritten by AmTrust Europe Limited.                       Any claims must be reported within 180 days.                 terms & conditions
Legal expenses cover to reclaim uninsured loss in the event   Any claim where the third party cannot be traced or          Section 1, 13.2
of a non-fault accident.                                      identified.                                                  Section 1, 13.14
Cover also provides a replacement vehicle for up to 48
hours.                                                        Drivers must be over 21 and under 75. Replacement vehicles   Section 2a
                                                              are only available in England, Wales, Scotland, Northern
                                                              Ireland, Isle of Man and Channel Islands.



General Exclusions
Cover                                                         What is not covered                                          Policy section

Loss or damage to your car                                    Cover is not included:                                       Details of Cover & General
                                                              For wear and tear or depreciation, mechanical, electrical,   Policy Terms
                                                              electronic or computer failures or breakdowns, loss of
                                                              use, reduction in value, fraud, deception.
                                                              Unless you take all reasonable steps to safeguard the car
                                                              against loss or damage and it is locked, any required
                                                              security devices are activated and you remove all keys and
                                                              keyless entry devices.
                                                              Losses not directly associated with the incident that
                                                              caused you to claim.

Use of your car                                               Cover will not apply if:                                     Details of Cover &
                                                              The insured car is used for any purpose not stated as        Certificate of Insurance
                                                              covered on your policy.
                                                              If the insured car is being driven by any person not
                                                              stated as covered on the policy.

Excesses and limits                                           Your policy may be subject to excesses, the amount you       Details of Cover
                                                              must pay in the event of a claim.
                                                              Certain limits to a claim may also apply.                    Details of Cover & General
                                                                                                                           Policy Terms



Cancellation Rights
You may cancel this policy at any time by contacting customer services on the number shown in your main policy documents. If you
cancel within 14 days of receiving your policy documentation you will have to pay for time on cover only, unless you have made a total
loss claim, in which case all outstanding payments will become due and no refund will be given. Outside of this you will have to pay a
percentage of the total cost of cover and a cancellation fee, unless any incident has occurred which has led to a claim or may yet lead
to a claim against this policy, in which case all outstanding payments will become due and no refund will be given. For further details on
any cancellation fees and refunds due please read the 'Cancelling this insurance' and 'Policy Payment Arrangements' sections of your
main motor vehicle policy.

Claims
Should you wish to make a claim under your car insurance policy you should call the Claims Helpline on 0844 891 0326. You must not
settle, reject, negotiate or agree to pay any claim without our written permission. Full details of how to claim are included in the policy
documentation.

                                                                                                                                         Page 24 of 32
Should you wish to make a claim under one of the optional policies please see the 'how to claim' section in the relevant policy terms &
conditions.

Complaints
If you wish to register a complaint, please contact us:
...by phone 0844 891 0321
...in writing Write to Chief Executive, RAC Insurance, PO Box 6, Surrey Street, Norwich, NR1 3NS

If we cannot settle your complaint or you are not happy with the final response you may be entitled to refer it to the Financial
Ombudsman Service.

For full details of our complaints handling process please see the section marked 'Complaints Procedure' in your main policy
documentation.

Compensation
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. Insurance advising and
arranging 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 the claim without any upper limit. Further information about compensation scheme arrangements is
available from the FSCS website www.fscs.org.uk or write to Financial Services Compensation Scheme, 7th Floor Chambers,
Portsoken Street, London E1 8BN.




                                                                                                                                   Page 25 of 32
Page 26 of 32
                  Emergency hotline                                              Insurance for your Volkswagen Passat
                  To contact the helpline, telephone:
                                                                                 Motor Legal Protection
                  0844 891 0328                                                  Administered by ACM ULR Limited
                  24 hours a day, 365 days a year
                  You will need to confirm the following:
                      Policyholder's name and address
                      Policy number




                 Motor Legal Protection (the "Product") is a           Appointed Legal means any lawyer or other          Insured Vehiclemeans the motor car,
                 supplementary product available to holders of         Representative suitably qualified or                              motorcycle or commercial
                 certain motor insurance policies. Purchasers of                       experienced person                                vehicle insured by the
                 the Product are entitled to legal expenses                            appointed to act for an                           underlying Motor Vehicle
                 insurance and to the benefit of certain services.                     Insured Person.                                   Insurance Policy, including
                 The Product is administered by ACM ULR                Claim           means a civil claim for                           any caravan, sidecar or
                 Limited.                                                              damages for any Uninsured                         trailer properly constructed
                 Details of the legal expenses insurance                               Loss arising out of an                            to be towed by such a
                 element of the Product are set out in Section 3                       Insured Event.                                    vehicle and attached to it by
                 of this document. This element of the Product         Emergency Hire means a vehicle provided                           normal means.
                 is underwritten by AmTrust Europe Limited.            Vehicle         free of charge pursuant to         Legal Expenses means any legal fees, costs
                 Details of the services available, and the terms                      paragraph 2 of Section 2 of                       and disbursements
                 and conditions subject to which they are                              the Product.                                      reasonably and properly
                 provided, are set out in Section 2. These             Insured Event   means an accident arising                         incurred in connection with
                 services do not form part of the insurance                            from the negligence of a                          any Legal Proceedings
                 element of the Product but are ancillary to, and                      Third Party which results in                      issued in the United
                 made available in connection with, that element                       the Insured Person                                Kingdom:
                 and are not available separately.                                     incurring Legal Expenses in                       (i) by the Appointed Legal
                 The provision of both elements of the Product                         bringing a Claim relating to:                          Representative,
                 is conditional on the payment of the premium                          (i) loss of or damage to the                           including fees of
                 payable for the Motor Vehicle Insurance                                     Insured Vehicle;                                 Counsel instructed by
                 Policy, in conjunction with which the Product                         (ii) damage to any personal                            him when acting on
                 is arranged, and of the premium payable for the                             property owned by the                            behalf of the Insured
                 Product itself. Details of when and how these                               Insured Person or for                            Person in bringing a
                 premiums are to be paid are set out in the                                  which the Insured                                Claim; such costs shall
                 Motor Vehicle Insurance Policy in conjunction                               Person is legally                                be limited to those that
                 with which the Product is arranged in the                                   responsible while such                           would be payable on a
                 section entitled "How we calculate the cost of                              property is in or on the                         standard basis; and/or
                 your cover".                                                                Insured Vehicle; or,                        (ii) by any other party to the
                                                                                       (iii) death or personal injury                         Claim which the
                 Section 1 - Definitions                                                     to the Insured Person                            Insured Person is liable
                 Each of the words or phrases listed below will                              while travelling in or                           to pay as a result of an
                 have the same meanings wherever they appear                                 getting into or out of the                       order or award of the
                 in bold in this Product                                                     Insured Vehicle                                  court or other tribunal or
                 Word                 Meaning                                                occurring during the                             a negotiated settlement
                 ACM                  means ACM ULR Limited.                                 Period of Insurance                              but only where such
                                      ACM's role is to administer                            and within the                                   settlement was made
                                      the insurance and service                              Territorial Limits of this                       with Our agreement in
                                      elements of the Product.                               Product.                                         accordance with
                                      The insurance element is         Insured Person means (i) the Policyholder                              paragraph 6.4 of Section
                                      underwritten by AmTrust                          (ii) any person authorised to                          3 of this Product.
                                      Europe Limited and the                           drive the Insured Vehicle          Legal          means all legal work
                                      services which are the                           under the Motor Vehicle            Proceedings    undertaken with the
                                      subject of the service                           Insurance Policy and (iii)                        approval of the
                                      element are provided by a                        any passenger in the                              Underwriters in connection
                                      panel of suppliers carefully                     Insured Vehicle with Your                         with a Claim which is
                                      selected within their areas of                   permission, or their legal                        subject to the jurisdiction of
                                      expertise.                                       representatives in the event                      courts within the Territorial
                                                                                       of death.                                         Limits.




                                                                                                                                                          Page 27 of 32
number
addressPolicy
and
name
Policyholder's
Limit of Cover       means a maximum of              Section 2 - Services                                   of more than 1 litre engine capacity (where
                     £100,000 for all Legal                                                                 the Insured Vehicle is a car) or an
                                                     The services referred to in this section will
                     Expenses of the Insured                                                                Emergency Hire Vehicle of greater
                                                     only be available within the Special
                     Person and including the                                                               capacity than a car derived van (where the
                                                     Territorial Limits:
                     costs of any other party to                                                            Insured Vehicle is a commercial vehicle).
                     the Claim where awarded         If the Insured Vehicle is stolen from a location 3.3 If, at any time after We have arranged the
                     arising out of any one          within the Special Territorial Limits or               provision of an Emergency Hire Vehicle
                     Insured Event, such limit to    damage to the Insured Vehicle occurs within            for Your use, We obtain a Replacement
                     include the costs of any        the Special Territorial Limits as a result of          Vehicle for Your use, You must accept
                     appeal approved by Us in        accident, fire or theft ACM will, provided that all    the Replacement Vehicle and
                     accordance with clause          payments which have at the time fallen due in          immediately return any Emergency Hire
                     10.19.                          respect of this Product and the underlying             Vehicle provided to You under this
Motor Vehicle        means the vehicle insurance     Motor Vehicle Insurance Policy have been               paragraph 3 in accordance with any
Insurance Policy     policy issued to You in         made and all other obligations of the                  instructions We may then give to You. Any
                     compliance with the Road        Policyholder under this Product and the                entitlement You may have to an
                     Traffic Act.                    underlying Motor Vehicle Insurance Policy              Emergency Hire Vehicle provided by Us
Period of            means the period during         have been complied with, make arrangements             under paragraph 3.1 ceases upon Us
Insurance            which the Motor Vehicle         for the provision of the following services to the     obtaining a Replacement Vehicle for
                     Insurance Policy is in          Policyholder:                                          Your use.
                     force.                          1. If the damage is not covered under the
                                                                                                         4. Provision of a Replacement Vehicle
Replacement          a vehicle provided pursuant           Motor Vehicle Insurance Policy We can
                                                                                                            under paragraph 2 of this Section 2 or an
Vehicle              to paragraph 2 of Section 2           arrange to have the Insured Vehicle
                                                                                                            Emergency Hire Vehicle under paragraph
                     of this Product.                      moved to a place of Your choice but You
                                                                                                            3 of this Section 2 is subject to the
Territorial Limits   means Great Britain,                  will be liable to pay the towing and storage
                                                                                                            following terms and conditions:
                     Northern Ireland, Isle of             costs.
                     Man, Channel Islands,           2. If the damage prevents the Insured                  (i) The terms and conditions of the
                                                           Vehicle from being driven and is caused                 provider of the Emergency Hire
                     Austria, Belgium, Bulgaria,
                                                           by the negligent or wilful act of a Third               Vehicle or Replacement Vehicle.
                     Cyprus, Czech Republic,
                                                           Party who has the benefit of valid motor                These are available from the provider
                     Denmark, Estonia, Finland,
                                                           insurance then, provided We have                        at the time the Emergency Hire
                     France, Federal Republic of
                                                           identified the Third Party and their                    Vehicle or Replacement Vehicle is
                     Germany, Greece, Hungary,
                                                           insurers, We may be able to obtain a                    provided or can be obtained from
                     Republic of Ireland, Italy,
                                                           Replacement Vehicle, subject to the                     ACM on request.
                     Latvia, Lithuania,
                     Luxembourg, Malta,                    terms and conditions referred to at              (ii) No Emergency Hire Vehicle or
                     Netherlands, Norway,                  paragraph 4 of this Section 2, pending                  Replacement Vehicle may be driven
                     Poland, Portugal, Romania,            repair or replacement of the Insured                    by any driver aged under 21 or over
                     Slovakia, Slovenia, Spain             Vehicle.                                                75.
                     and Sweden.                     3.1 Alternatively, if the Insured Vehicle is           (iii) You must produce Your original full
Special              means, in relation to the             stolen or if any damage prevents the                    driving licence when any Emergency
Territorial Limits   services specified in Section         Insured Vehicle from being driven and                   Hire Vehicle or Replacement
                     2, England, Wales,                    either                                                  Vehicle is provided.
                     Scotland, Northern Ireland            (i) the damage was not caused by the             (iv) You must disclose any driving penalty
                     and the Isle of Man.                        wrongful act of a Third Party; or                 notices or convictions before an
Third Party          means the other person(s)             (ii) the conditions in paragraph 2 of this              Emergency Hire Vehicle or
                     and/or party (ies)                          Section 2 are not for the time being              Replacement Vehicle is provided.
                     responsible for the Insured                 satisfied and We are not able to           (v) You must provide valid credit or debit
                     Event, excluding the                        obtain a Replacement Vehicle.                     card details before an Emergency
                     Insured Person.                       We can arrange to provide You with an                   Hire Vehicle or Replacement
Underwriters         means AmTrust Europe                  Emergency Hire Vehicle for Your use                     Vehicle is provided.
                     Limited.                              until the earliest of:-
                                                                                                            (vi) You will be responsible for any fuel
Uninsured Loss       means any loss, including             (a) the date of completion of any
                                                                                                                   costs, fares, fines and fees.
                     death, personal injury,                     necessary repairs to the Insured
                     damage or resultant loss                    Vehicle; or                                (vii) You must pay a security/fuel deposit
                     sustained by the Insured              (b) the date on which any courtesy car is               when an Emergency Hire Vehicle or
                     Person arising out of an                    made available to You by any person,              Replacement Vehicle is provided.
                     Insured Event where such                    firm or company responsible for                   This is refundable on return provided
                     loss is recoverable from the                carrying out or paying for any repairs            the Emergency Hire Vehicle or
                     insurers of a Third Party                   to the Insured Vehicle; or                        Replacement Vehicle is free from
                     and is not covered by the             (c) the date on which any Replacement                   damage and has the same amount of
                     Insured Person's                            Vehicle is offered to You under                   fuel as when provided.
                     underlying Motor Vehicle                    Paragraph 2 of this Section 2.             (viii) In the event of theft, attempted theft,
                     Insurance Policy.                     but in no circumstances will any                        vandalism or criminal damage to the
We, Us, Our          means ACM and/or the                  Emergency Hire Vehicle be provided for                  Insured Vehicle You must provide a
                     Underwriters.                         a period of longer than 48 hours.                       police crime reference number before
You, Your,           means the person, firm or       3.2 Such Emergency Hire Vehicle, if                           an Emergency Hire Vehicle can be
Policyholder         company who has taken out             provided, will be free of charge but subject            provided.
                     this Product.                         to the terms and conditions referred to at       (ix) If You choose to upgrade to any
                                                           paragraph 4 of this Section 2. We will not              vehicle other than the Emergency
                                                           however be obliged to arrange the                       Hire Vehicle or Replacement
                                                           provision of an Emergency Hire Vehicle                  Vehicle offered, the costs of such
                                                                                                                   upgrade will be Your responsibility.



                                                                                                                                          Page 28 of 32
      (x) No Emergency Hire Vehicle or                7.8 the damage to the Insured Vehicle arises              must not do anything which may prejudice
            Replacement Vehicle may be used               from:-                                                their case.
            outside the Special Territorial               (i) ionising radiation or contamination by        4. Acceptance of a Claim
            Limits.                                             radioactivity from any nuclear fuel or
5.    If the damage to the Insured Vehicle is                   from any nuclear waste from the                 Where We accept a Claim, We will notify
      caused by the negligent or wilful act of a                combustion of nuclear fuel;                     the Insured Person in writing as soon as
      Third Party who has the benefit of valid            (ii) the radioactive, toxic, explosive or             practicable.
      motor insurance then, provided We have                    other hazardous properties of any           5. Representation
      identified the Third Party and their                      nuclear assembly or component of it;        5.1 The Underwriters and We on their behalf
      insurers and the Insured Vehicle can be             (iii) riot, civil commotion, war, invasion,           reserve the right to make Our own
      repaired, We may be able to arrange to                    acts of foreign enemies, hostilities            investigations into the case.
      have the Insured Vehicle repaired and to                  (whether war be declared or not), civil     5.2 We also have the right to negotiate and
      provide You with up to 12 months interest                 war, rebellion, revolution, insurrection,       settle the Claim, in the Insured Person's
      free credit on the repairs made.                          military or usurped power or                    name, before an Appointed Legal
6.    Reporting of Incidents                                    confiscation, nationalisation,                  Representative is instructed. In the event
      You must report to ACM, or to any                         requisition, destruction or damage to           of any dispute between the Insured
      representative nominated by it, any                       property by or under any government             Person and Us as to the appropriate level
      incident which may give rise to any                       or public or local authority;                   of such settlement the matter may be
      requirement for the provision of any                (iv) pressure waves caused by aircraft or             referred to arbitration in accordance with
      services under this Section 2 without                     any other airborne devices travelling           paragraph 5 of Section 4.
      delay, and in any event within 14 days of                 at sonic or supersonic speeds;
                                                                                                       5.3 Where appropriate We will pass the matter
      the occurrence of that incident, and must           (v) the failure of any device to recognise,      to an Appointed Legal Representative to
      provide without delay all information                     interpret or process any date as its       handle and conduct the Claim who will be
      requested by ACM or any representative                    true calendar date.                        instructed in the name of the Insured
      appointed by it to deal with the matter, in                                                          Person and who may negotiate and settle
      relation to that incident. You must provide     Section 3 - Legal Expenses Insurance Cover
                                                                                                           the Claim on their behalf.
      any assistance required by ACM or any           ACM will, provided that all payments which
      such representative in connection with the                                                       5.4 Where Legal Proceedings are necessary
                                                      have at the time fallen due in respect of this
      recovery of any costs incurred in                                                                    or where the Claim includes a claim for
                                                      Product and the underlying Motor Vehicle
      connection with the provision of an                                                                  personal injury or death or where it is
                                                      Insurance Policy have been made and all
      Emergency Hire Vehicle or a                                                                          otherwise required, such Appointed Legal
                                                      other obligations of the Policyholder under this
      Replacement Vehicle from any third party        Product and the underlying Motor Vehicle             Representative shall be a solicitor
      at fault in connection with the incident                                                             nominated by Us subject to paragraph 5.5
                                                      Insurance Policy have been complied with,
      giving rise to the damage to the Insured                                                             below.
                                                      make arrangements for the provision of the
      Vehicle, including permitting ACM or any        following insurance cover to the Insured         5.5 Pursuant to Regulation 6 of the Insurance
      such representative to take proceedings in      Person:                                              Companies Legal Expenses Insurance
      Your name and/or assigning any rights                                                                Regulations 1990 You nonetheless shall
      against any such third party to ACM or its      1. Scope of Cover                                    be free to choose as Appointed Legal
      representative.                                      Provided that the Policyholder and all          Representative a solicitor having suitable
7.    Exclusions                                           Insured Persons comply with all their           qualifications as necessary to represent
                                                           obligations under the applicable Motor          You in any proceedings and/or to serve
      Services will not be provided under this             Vehicle Insurance Policy and this               Your interests in the event that any conflict
      Section 2 in any case where:-                        Product, the Underwriters agree to              of interest arises.
7.1   the damage to the Insured Vehicle took               provide cover for the Insured Person
      place prior to the Period of Insurance or                                                        5.6 Where Legal Proceedings are to be
                                                           against Legal Expenses in respect of an         commenced with respect to an Insured
      more than 14 days before being reported              Insured Event occurring within the
      to ACM;                                                                                              Event occurring within the Territorial
                                                           Territorial Limits during the Period of         Limits and outside the United Kingdom,
7.2   You have failed at the time of reporting the         Insurance, subject to the terms of this         the Appointed Legal Representative
      incident or at any other stage to disclose to        Product and to the exclusions and               shall be a solicitor who will initiate
      ACM or any representative appointed by it            conditions which it contains. However the       proceedings in the courts of the United
      any material facts relevant to the incident;         total amount payable under this Section 3       Kingdom against the Third Party's insurer
7.3   You do not have a valid Motor Vehicle                shall not exceed the Limit of Cover.            and/or its appointed claims representative
      Insurance Policy, valid road fund licence       2. Compliance and Precautions                        as defined by the Motor Vehicles
      or MOT for the Insured Vehicle or a valid                                                            (Compulsory Insurance) (Information
                                                           The Policyholder and all Insured
      driving licence;                                                                                     Centre and Compensation Body)
                                                           Persons must comply with all the terms
7.4   the Insured Vehicle was not in a                     and conditions of this Product and take all     Regulations 2003.
      roadworthy condition immediately prior to            reasonable precautions to minimise the      6. Control of the Claim
      the damage occurring;                                cost of Claims or Legal Proceedings and 6.1 The Insured Person must co-operate fully
7.5   the insurers under the Motor Vehicle                 attempt to prevent any event which may
                                                                                                           with Us and the Appointed Legal
      Insurance Policy are entitled to repudiate           cause a Claim.                                  Representative and in particular We and
      or avoid the Motor Vehicle Insurance            3. Reporting a Claim                                 the Appointed Legal Representative
      Policy or to refuse cover;
                                                           The Insured Person must immediately             must be kept continually and promptly
7.6   the damage to the Insured Vehicle results                                                            informed of all developments relating to
                                                           report to Us or our nominated agents any
      from any deliberate or criminal act or                                                               the Claim of which the Insured Person is
                                                           accident which may give rise to a Claim
      omission or any other act or omission                                                                aware and must be provided immediately
      which ACM reasonably believes to be of a             under this Section 3 and must complete
                                                           any forms requested. The Insured Person         with all information, evidence and
      fraudulent nature;                                                                                   documents relating to the Claim in his
                                                           must supply, without delay, all information
7.7   the Insured Vehicle is damaged or stolen             required by Us or the Appointed Legal           possession.
      outside the Special Territorial Limits;              Representative. All information and forms
                                                           must be sent to Us at the address shown
                                                           on the claim form. The Insured Person


                                                                                                                                            Page 29 of 32
6.2 We shall have direct access to the          7.       Withdrawal                                  10.8 any Claim arising out of a deliberate or
    Appointed Legal Representative in                    If the Insured Person withdraws from a            criminal act or omission or which is found
    relation to any Claim at all times.                  Claim or discontinues instructions to an          to Our satisfaction to be of a fraudulent
6.3 The Insured Person must instruct the                 Appointed Legal Representative                    nature.
    Appointed Legal Representative to                    expressly or by omission without the        10.9 any Claim arising from the theft or
    produce to Us immediately any                        agreement of the Underwriters or ACM              attempted theft of the Insured Vehicle.
    documents, information or advice in his              all Legal Expenses will become the          10.10 any case where the Policyholder does
    possession. The Insured Person must                  responsibility of the Insured Person.             not possess a valid Motor Vehicle
    also give the Appointed Legal                        The Underwriters and ACM will be                  Insurance Policy, valid road fund
    Representative such prompt, proper and               entitled to be reimbursed by the Insured          licence or MOT for the Insured Vehicle
    reasonable instructions in relation to the           Person for Legal Expenses paid or                 or a valid driving licence.
    Claim and the Legal Proceedings as We                incurred during the course of the Claim.
    or the Underwriters require.                                                                     10.11 any case where the Insured Vehicle is
                                                8.       Dual Insurance                                    not in a roadworthy condition at the time
6.4 The Insured Person should advise Us                  If at the time of any Insured Event there         of the Insured Event.
    directly or through his Appointed Legal              is any other insurance, which provides
    Representative immediately of all offers to                                                      10.12 any Claim where the Policyholder's
                                                         cover for any of the loss claimed in the          motor insurers are entitled to repudiate
    settle or payments into Court in respect of          Claim We will only be responsible for the
    the Claim. No offer of settlement or                                                                   the Motor Vehicle Insurance Policy or
                                                         payment of Legal Expenses in relation             refuse cover.
    negotiation can be made without Our                  to the amount not recoverable under that
    agreement.                                           insurance.                                10.13 any Insured Event arising out of the use
                                                                                                         of an Insured Vehicle by the Insured
6.5 If the Insured Person does not accept any 9.        Prospects of Success
    offer or payment into Court and We                                                                   Person in connection with racing, rallies,
    consider that the outcome of the case will          Cover will only be provided if We and,           trials or competitions of any kind.
    not be bettered, We reserve the right to            where applicable, the Appointed Legal      10.14 any Claim where the Third Party cannot
    withdraw cover and will not be responsible          Representative, are of the opinion that          be traced or identified.
    for any further Legal Expenses after the            there are reasonable prospects of
                                                        recovery from the Third Party and when     10.15 any Claims arising from:
    last date on which the offer or payment
                                                        the Insured Person's Claim outweighs             (i) ionising, radiation or contamination
    into Court could be accepted without the                                                                   by radioactivity from any nuclear fuel
    permission of the Court or the Third Party.         the Legal Expenses of pursuing the
                                                        Claim.                                                 or from any nuclear waste from the
6.6 We may discharge Our liabilities to the                                                                    combustion of nuclear fuel.
    Insured Person under this Section 3 at              We can give written notice to the Insured
                                                        Person and the Appointed Legal                   (ii) the radioactive, toxic, explosive or
    any time by paying an amount equal to                                                                      other hazardous properties of any
    that claimed in the Claim.                          Representative to discontinue cover if
                                                        during the course of a Claim We                        nuclear assembly or component of
6.7 The Insured Person shall take all                   consider reasonable prospects of                       it.
    reasonable steps to mitigate the costs of           success no longer exist. In the event of         (iii) riot, civil commotion, war, invasion,
    the Claim or any Legal Proceedings                  any dispute as to the prospects of                     acts of foreign enemies, hostilities
    relating thereto.                                   success of a Claim between the Insured                 (whether war be declared or not),
6.8 The Insured Person must send to Us                  Person and Us the matter may be                        civil war, rebellion, revolution,
     directly or authorise the Appointed Legal          referred to arbitration in accordance with             insurrection, military or usurped
     Representative to send to Us all bills for         paragraph 5 of Section 4.                              power or confiscation,
     Legal Expenses, orders or awards for                                                                      nationalisation, requisition,
                                                   10. Exclusions
     costs immediately on receiving them and                                                                   destruction or damage to property
     We have the right to have these submitted          The Underwriters will not cover the                    by or under the order of any
     for assessment by the courts or                    Insured Person in respect of;                          government or public or local
     certification by the Law Society.             10.1 any Insured Event which took place                     authority.
6.9 The Insured Person must authorise any               prior to the Period of Insurance.                (iv) pressure waves caused by aircraft
     Appointed Legal Representative to             10.2 any Claim reported to Us more than 180                 or any other airborne devices
     receive any sums by way of legal costs             days after the Insured Event.                          travelling at sonic or supersonic
     recovered from the Third Party and to pay                                                                 speeds.
                                                   10.3 any Legal Expenses for any period
     the same to Us to the extent of the sums           subsequent to a refusal by the                   (v) the failure of any device to
     covered under this Section 3. Any sums             Appointed Legal Representative to act                  recognise, interpret or process any
     received directly by the Insured Person            further for the Insured Person for a                   date as its true calendar date.
     should similarly be paid over to Us to the         reason which We consider is justified      10.16 Legal Expenses incurred prior to
     extent of the sums covered under this              unless We agree to another Appointed             notification of the Insured Event to Us.
     Section 3.                                         Legal Representative being instructed.     10.17 any Legal Proceedings dealt with by a
6.10 The Insured Person must take all action       10.4 any case where the Insured Person has            Court or other body, outside the United
     possible to recover any costs, charges or          misled Us or the Appointed Legal                 Kingdom and/or to which We have not
     fees We or the Underwriters may have               Representative as to the circumstances           agreed.
     paid or be liable to pay under this Section        of the Insured Event.                      10.18 Legal Expenses relating to
     3 and pay any such amounts recovered to
                                                   10.5 any case where the Insured Person fails          representation at any arbitration (but
     Us. In any event, upon payment of all
                                                        at the time of making the Claim, or at           Legal Expenses relating to advice and
     sums due for Legal Expenses under this
                                                        any stage, to disclose to Us and/or the          assistance in connection with arbitration
     Section 3 We can take over, and if
                                                        Appointed Legal Representative                   are covered) or at any interim hearing
     necessary conduct, proceedings in the
                                                        material facts relevant to the Claim.            except in so far as such interim hearing
     name of the Insured Person to recover
                                                   10.6 compensation, costs, damages, fines or           occurs in the ordinary progression of the
     such Legal Expenses which the Insured
                                                        penalties or any kind awarded by a court         Claim in accordance with the Civil
     Person is entitled to receive from the
     Third Party.                                       of criminal jurisdiction.                        Procedure Rules.
                                                   10.7 claims for damage to any property or any
                                                        related loss, expense or resultant loss.

                                                                                                                                      Page 30 of 32
10.19 Legal Expenses incurred in connection        5.   Arbitration                                      Insurance Policy, in connection with
      with any appeal from the judgement of             In the event of any dispute or difference        which it is arranged, is cancelled or
      any Court unless We are notified of any           whatsoever arising out of this Product or        avoided at any time.
      proposed appeal at least five working             any Claim made thereunder, the matter      10.   Automatic Renewal
      days before the expiry of the deadline for        shall be referred to an arbitrator, who          For Your protection, We reserve the right
      giving notice of appeal and We consider           shall be either a solicitor or a barrister       to automatically renew this Product
      the appeal to have reasonable prospects           agreed upon by the Insured Person and            annually in conjunction with the
      of success.                                       Us. If the Insured Person is not the             underlying Motor Vehicle Insurance
10.20 Legal Expenses incurred in connection             Policyholder, by claiming under this             Policy. If We do not receive Your
      with small Claims in the Sheriff Courts in        Product he agrees to be a party to any           instructions to cancel the Product from
      Scotland.                                         Arbitration under this Clause whether            the renewal date, We may, at Our option,
                                                        jointly with the Policyholder or otherwise       renew Your Product. You will then be
10.21 any undertakings the Insured Person
      gives to the Appointed Legal                      and whether as claimant or defendant. If         liable for any premiums that fall due. You
      Representative, or which the Insured              an arbitrator cannot be agreed then the          may opt out of the automatic renewal
                                                        President of the Law Society or the              process at any time by contacting Our
      Person or the Appointed Legal
                                                        Chairman of the Bar Council or similar           Customer Services helpline shown in
      Representative gives to any person
      about payment of fees or expenses,                legal professional body within the               Your main Motor Vehicle Insurance
                                                        Territorial Limits will choose one. The          Policy documents.
      unless We have given prior written
                                                        appointment and subsequent arbitration
      authority.                                                                                   11.   Financial Services Compensation
                                                        shall be binding on both parties.
10.22 Legal Expenses incurred when the                                                                   Scheme
      amount of the Claim is outweighed by              Whoever loses the arbitration must pay
                                                                                                         AmTrust Europe Limited, who underwrite
                                                        all the costs involved. If the decision is
      the Legal Expenses.                                                                                this insurance, are covered by the
                                                        not clearly made against the Insured
                                                                                                         Financial Services Compensation
Section 4 - General terms applicable to all             Person or Us, the arbitrator will decide
                                                                                                         Scheme. You may be entitled to
elements of the Product                                 how the Insured Person and We will
                                                                                                         compensation from the scheme if they
                                                        share the costs.
1.    Compliance and Avoidance                                                                           cannot meet their obligations. This
                                                 6.     Governing Law                                    depends upon the type of insurance and
      We and/or the Underwriters have the               This Product shall be governed by and            the circumstances of the Claim. Most
      right to cancel this Product and declare          construed in accordance with English             insurance contracts are covered for 90%
      the same null and void if:                        Law.                                             of the Claim. Further information is
1.1   the Policyholder does not hold a valid                                                             available from the Financial Services
                                                 7.     Whole Agreement
      Motor Vehicle Insurance Policy, at the                                                             Authority of the FSCS. The FSCS can be
      time of the Insured Event for the vehicle         This Product contains the entire
                                                                                                         visited on the web at www.fscs.org.uk or
      involved.                                         agreement between the Policyholder
                                                                                                         by contacting the FSCS on 0207 892
                                                        and any Insured Person claiming under
1.2   the Policyholder's motor insurers are                                                              7300 or 0800 678 1100.
                                                        it and the Underwriters and Us on their
      entitled to avoid, or to refuse to provide                                                         ACM is a trading name of ACM ULR
                                                        behalf relating to the provision of legal
      cover under, the Motor Vehicle                                                                     Limited. Registered No. 3832599.
                                                        expenses insurance and no other
      Insurance Policy.                                                                                  Registered office: Pegasus House,
                                                        representation or warranty by the
1.3   any claim request for the provision of any        Insured Person or Us or their authorised         Bakewell Road, Orton Southgate,
      service under this Product, is fraudulent         representatives or any third party shall         Peterborough, PE2 6YS. Authorised and
      or false in any material respect.                 have any contractual effect unless               regulated by the Financial Services
2.    Communication                                     agreed by both parties in writing.               Authority, FSA number 306408 and
                                                                                                         regulated by the Ministry of Justice in
      All notices and communications from Us, 8.        Procedure in the event of an Accident            respect of regulated claims management
      the Underwriters or the Appointed                 If You are involved in an accident try to        activities.
      Legal Representative will be considered           obtain as much information as possible
      to have been sent if despatched to the                                                             Underwritten by AmTrust Europe Limited.
                                                        including:-                                      Registered No. 1229676. Registered
      last known address of an Insured
                                                        (a) Name and address of the other                office: Market Square House, St James's
      Person.
                                                              person and the registration                Street, Nottingham, NG1 6FG.
3.    Alteration                                              number of the other vehicle;               Authorised and regulated by the
      You must notify Us immediately of any             (b) Name and address of the other                Financial Services Authority, FSA
      change, which affects this Product.                     person's insurance company and             number 202189. You can check the
4.    Complaints                                              the policy number;                         above details on the Financial Services
      Any enquiry or complaint regarding this           (c) Names and addresses of any                   Authority Register by visiting the FSA
      Product may be addressed to: the                        witnesses who may have seen the            website www.fsa.gov.uk or by contacting
      Customer Relations Department, ACM                      accident                                   the FSA on 0845 606 1234.
      ULR Limited, Fusion House, Bretton                then contact the Claims Line
      Way, Bretton, Peterborough, PE3 8BG.              immediately on: 0844 891 0328.
      If You are not satisfied with the way the  9.     Cancellation
      complaint has been dealt with You may             You may cancel this Product at any time
      be entitled to refer Your complaint to the        by contacting Customer Services on the
      Financial Ombudsman Service, South                number shown in Your Motor Vehicle
      Quay Plaza, 183 Marsh Wall, London                Insurance Policy. For further details
      E14 9SR. Tel 0800 023 4567. Email:                including cancellation fees and refund of
      complaint.info@financial-ombudsman.or             premiums due, please read the "If you
      g.uk                                              cancel your policy" and "Refunds"
      The complaints procedure above does               sections in Your Motor Vehicle
      not affect any legal rights the Insured           Insurance Policy. This Product will
      Person may have.                                  automatically be cancelled in the event
                                                        that the underlying Motor Vehicle


                                                                                                                                    Page 31 of 32
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