Common use of Money Clause in Contracts

Money. We hold all money that customers pay us under a risk transfer agreement with product providers. The premium you pay us is held in an insurer trust bank account in accordance with our agreements with Insurance Companies that transfer the risk of money we receive from customers to them, these agreements deem any money you pay to us, to be received by them and they will bear the risk of any losses if our firm becomes insolvent. This includes claims money or premium refunds we receive prior to being paid to a customer. By holding money in this way, it means that if this firm becomes insolvent your money remains protected. In arranging your insurance, we may employ the services of other distributors (i.e. insurance intermediaries) who are regulated by the FCA and your premium may be passed to these intermediaries for payment to insurers. These firms are also required to hold a customer’s insurance premium in a separate trust account. Where we are required to pass a customer’s premium outside the UK and the protection may be different, we will inform customers. Should a customer want us to pass premiums to a firm outside of the UK, that customer is required to inform us. Payment Options We will provide you with full details of all the payment options available to you when we provide you with your insurance premium. If you choose to enter in a finance arrangement, this will be subject to a Regulated Consumer Credit Agreement. Importantly, the arrangement you will enter will be with the Lender (i.e. the finance company) not us. We are a credit broker not a lender. It is an entirely separate contract irrespective of the insurance contract. In the event of your failure to meet with the contractual obligations regarding payment the finance provider has a right to approach the product provider to seek a termination of the insurance contract to recoup monies in arrears. You will be liable to pay their costs and charges if you do not keep up your repayments and cover is cancelled under your policy. It is important that you understand that the agreement is between you (i.e. the customer), and the Lender directly, not us or the product provider. Full details about the finance arrangement will be provided to you as part of our Sales Process.

Money. We will hold all money that customers you pay to us in accordance with the regulator’s rules or under a risk transfer agreement with product providersinsurers. The premium you pay us is This will include holding your money in the following way: Client money may be held in an insurer designated investments and we will keep any investment returns earned. A statutory trust client bank account that only allows us to use the money held in accordance with our agreements with Insurance Companies trust on behalf of a customer for paying that transfer the risk of money customers’ premium to an insurance company and to pay premium refunds or claims we receive from that insurance company to the customer once the premium has been received from that insurance company. We cannot use that customer’s money to pay other customers to thempremium or refund. We do not pay any interest on premiums held by us in the course of arranging and administering your insurance, these agreements deem any money you pay to usunless, to be received by them and they will bear in the risk case of any losses if our firm becomes insolvent. This includes claims money or premium refunds consumer transactions we receive prior more than £20 per transaction, and then we will ask for your permission to being paid retain the interest. Unless you tell us otherwise, you are consenting to a customerus holding your money in this way. By holding your money in this way, it means that if in the event that this firm becomes insolvent your money remains protected. In arranging your insurance, we may employ the services of other distributors (i.e. insurance intermediaries) intermediaries who are regulated by the FCA and your premium may be passed to these intermediaries for payment to insurers. These firms are also required to hold a customer’s insurance premium clients’ money in a separate trust account. Where We will also inform you if at any time we are required to pass a customer’s your premium to firms that operate outside the UK and where the protection may be different, we will inform customers. Should a customer want you not wish us to pass premiums to a firm outside of the UK, that customer is required to please inform us. Terms of Payment Options Please note that you are responsible for the prompt payment of premiums and therefore we require payment of your premium by the inception or renewal date of your policy. Failure to settle your premium by this date may result in your insurer cancelling your policy and imposing a time on risk charge. We accept most major credit cards and also bank transfers, for which no charges will provide apply. We do not accept cheques or cash. In addition, you may be able to pay premiums in monthly instalments via insurers’ direct debit facilities or a credit scheme with full a finance provider which will most likely result in an additional charge. Full details of all the payment options available to you when we provide you with your insurance premium. If you choose to enter in a finance arrangement, this will be subject to a Regulated Consumer Credit Agreement. Importantly, the arrangement you will enter will be with the Lender (i.e. the finance company) not us. We are a credit broker not a lender. It is an entirely separate contract irrespective of the insurance contractavailable at quotation and renewal stage. In the event that we receive no instructions or payment before the date of inception or renewal, we reserve the right (but shall have no duty) to renew your failure policy and (in respect of direct debit/instalment payments) to meet continue to accept payment from you unless and until you provide us or your insurance company with written confirmation that you would like to cancel your policy. In situations where we have anticipated (in the contractual obligations regarding payment absence of instructions to the finance provider has a right to approach the product provider to seek a termination of the insurance contract to recoup monies in arrears. You will contrary) that renewal is required you may be liable to pay their costs and charges if you do not keep up make payment to us and/or your repayments and cover is cancelled under your policyinsurance company. It is important Personal Credit Checks Please be aware that you understand that the agreement is between you (i.e. the customer), and the Lender directly, not us or the product provider. Full details about the finance arrangement will be provided to you when we approach insurers for quotations some may conduct personal credit checks as part of our Sales Processthe underwriting process. We have been advised that this will not have any detrimental effect on your credit rating or history, but the search will appear on your record whether or not your application is proceeded with. Where we have been asked to arrange personal premium finance, we must comply with the Consumer Credit legislation and therefore we will pass on your name, address and date of birth to the provider in order for affordability assessments to be made. When assessing your application the provider may use credit scoring, automated decision making and credit reference agencies.

Money. We will hold all money that customers you pay to us in accordance with the regulators rules or under a risk transfer agreement with product providersinsurers. The premium you pay This will include holding your money in one of the following ways. A non-statutory trust client bank account that allows us is to use the money held in an insurer trust bank account in accordance with our agreements with Insurance Companies that transfer the risk on behalf of money one customer to pay another customers premium before we receive it from customers that customer and to them, these agreements deem any money you pay to us, to be received by them and they will bear the risk of any losses if our firm becomes insolventpremium refunds or claims before we receive payment from Insurance Companies. This includes claims is a standard practice within the Insurance Industry and we cannot use your money or premium refunds for any other purpose. We do not pay any interest on premiums held by us in the course of arranging and administering your insurance, unless, in the case of consumer transactions we receive prior more than £20 per transaction, and then we will ask for your permission to being paid retain the interest. Unless you tell us otherwise, you are consenting to a customerus holding your money in this way. By holding your money in this way, it means that if in the event that this firm becomes insolvent your money remains remain protected. In arranging your insurance, insurance we may employ the services of other distributors (i.e. insurance intermediaries) intermediaries who are regulated by the FCA and your premium may be passed to these intermediaries for payment to insurers. These firms are also required to hold a customer’s insurance premium clients’ money in a separate trust account. Where We will also inform you if at any time we are required to pass a customer’s your premium to firms that operate outside the UK and where the protection may be different, we will inform customers. Should a customer want you not wish us to pass premiums to a firm outside of the UK, that customer is required to please inform us. Payment Options We will provide you with full details of all the payment options available to you when we provide you with your insurance premium. If you choose to enter in a finance arrangement, this will be subject to a Regulated Consumer Credit Agreementinterest charges that we will confirm to you when providing the full details. Importantly, the arrangement you will enter into will be with the Lender (i.e. the finance company) company not us. We are a credit broker not a lender. It is an entirely separate contract irrespective of the insurance contract. In the event of your failure to meet with the contractual obligations regarding payment the finance provider has a right to could approach the product provider insurer to seek a termination of the insurance contract to recoup monies in their outstanding finance arrears. You will be liable to pay their costs and charges if you do not keep up your repayments and cover is cancelled under your policy. It This is important that you understand that because the agreement is between you (i.e. you, the customer), policyholder and the Lender directlyfinance company direct, not us or the product provider. Full details about the finance arrangement will be provided to you as part of our Sales Processinsurer.

Money. We will hold all money that customers you pay to us in accordance with the regulators rules or under a risk transfer agreement with product providersinsurers. The premium you pay This will include holding your money in the following way. A statutory trust client bank account that only allows us is to use the money held in trust on behalf of a customer for paying that customers’ premium to an insurer trust bank account in accordance with our agreements with Insurance Companies that transfer the risk of money insurance company and to pay premium refunds or claims we receive from that insurance company to the customer, once the premium has been received from that insurance company. We cannot use that customer’s money to pay another customers premium or refund. Also for this reason it is not possible for you to themoffset the refund against premiums owed on another policy. We do not pay any interest on premiums held by us in the course of arranging and administering your insurance, these agreements deem any money you pay to usunless, to be received by them and they will bear in the risk case of any losses if our firm becomes insolvent. This includes claims money or premium refunds consumer transactions we receive prior more than £20 per transaction, and then we will ask for your permission to being paid retain the interest. Unless you tell us otherwise, you are consenting to a customerus holding your money in this way. Client money may be held in designated investments and we will keep any investment returns earned. By holding your money in this way, it means that if in the event that this firm becomes insolvent your money remains remain protected. In arranging your insurance, insurance we may employ the services of other distributors (i.e. insurance intermediaries) intermediaries who are regulated by the FCA and your premium may be passed to these intermediaries for payment to insurers. These firms are also required to hold a customer’s insurance premium clients’ money in a separate trust account. Where We will also inform you if at any time we are required to pass a customer’s your premium to firms that operate outside the UK and where the protection may be different, we will inform customers. Should a customer want you not wish us to pass premiums to a firm outside of the UK, that customer is required to please inform us. Payment Options We will provide you with full details of all the payment options available to you when we provide you with your insurance premium. If you choose to enter in a finance arrangement, this will be subject to a Regulated Consumer Credit Agreementinterest charges that we will confirm to you when providing the full details. Importantly, the arrangement you will enter into will be with the Lender (i.e. the finance company) company not us. We are a credit broker not a lender. It is an entirely separate contract irrespective of the insurance contract. In the event of your failure to meet with the contractual obligations regarding payment the finance provider has a right to could approach the product provider insurer to seek a termination of the insurance contract to recoup monies in their outstanding finance arrears. You will be liable to pay their costs and charges if you do not keep up your repayments and cover is cancelled under your policy. It This is important that you understand that because the agreement is between you (i.e. you, the customer), policyholder and the Lender directlyfinance company direct, not us or the product providerinsurer. Full details about Please note that we only use Close Premium Finance for the provision of premium finance arrangement will be provided to you as part of our Sales Processfacilities.

Money. We will hold all money that customers you pay to us in accordance with the regulators rules or under a risk transfer agreement with product providersinsurers. The premium you pay This will include holding your money in one of the following ways. A statutory trust client bank account that only allows us is to use the money held in trust on behalf of a customer for paying that customer’s premium to an insurance company and to pay premium refunds or claims we receive form that insurance company to the customer, once the premium has been received from that insurance company. We cannot use that customer’s money to pay another customer’s premium or refund. Also for this reason it is not possible for you to offset the refund against premiums owed on another policy. We do not pay any interest on premiums held by us in the course of arranging and administering your insurance unless, in the case of consumer transactions we receive more than £20 per transaction, and then we will ask for your permission to retain the interest. Unless you tell us otherwise, you are consenting to us holding your money in this way. A non-statutory trust insurer trust bank account in accordance with our agreements with Insurance Companies that transfer the risk of money we receive from customers to them, these agreements deem any money you pay to us, to be received by them and they will bear the risk of any losses if in the event that our firm becomes insolvent. This includes claims money or premium refunds we receive prior to being paid to a customeryou. By holding your money in this way, it one of these ways means that if in the event that this firm becomes insolvent your money remains protected. In arranging your insurance, insurance we may employ the services of other distributors (i.e. insurance intermediaries) intermediaries who are regulated by the FCA and your premium may be passed to these intermediaries for payment to insurers. These firms are also required to hold a customer’s insurance premium clients’ money in a separate trust account. Where We will also inform you if at any time we are required to pass a customer’s your premium to firms that operate outside the UK and where the protection may be different, we will inform customers. Should a customer want you not wish us to pass premiums to a firm outside of the UK, that customer is required to please inform us. Payment Options We will provide you with will full details of all the payment options available to you when we provide you with your insurance premium. If you choose to enter in into a finance arrangement, your details will be passed to a third party (insurer or lender) to enable them to contact you and you should contact us at the address given in this document if you do not want your details passed to that party. This finance agreement will be subject to a Regulated Consumer Credit Agreementinterest charges that we will confirm to you when providing the full details. Importantly, the arrangement you will enter into will be with the Lender (i.e. the finance company) company not us. We are a credit broker not a lender. It is an entirely separate contract irrespective of the insurance contract. In the event of your failure to meet with the contractual obligations regarding payment the finance provider has a right to could approach the product provider insurer to seek a termination of the insurance contract to recoup monies in their outstanding finance arrears. You will be liable to pay their costs and charges if you do not keep up your repayments and cover is cancelled under your policy. This is because the agreement is between you, the policyholder and the finance company direct, not us or the insurer. It is important that you understand read the finance agreement that the agreement is between sent to you (i.e. the customer), and the Lender directly, before you agree to enter into such an agreement. We do not us or the product charge any fees to you for introducing you to a credit provider. Full details about If you are a consumer as defined under the Consumer Credit Act, you will have the benefit of a 14 day cooling off period. Please note: Your policy cover will cease if you fail to keep up payments on an instalment agreement or premium finance arrangement will be provided facility related to you as part of our Sales Processit.

Money. Under the terms of our agreements with the Insurance companies with whom we place business, we normally receive premiums you pay to us as Agent of the Insurer. In certain circumstances you may have the additional protection of insurance companies accepting that monies paid to us are treated as being received by them (Risk Transfer). Please ask for details. We will hold all money that customers pay us under a risk transfer agreement with product providers. The premium you pay to us is held in an insurer trust bank account in accordance with our agreements with Insurance Companies the regulators rules. This may also include holding your money in a statutory trust client bank account that transfer only allows us to use the risk money held in trust on behalf of money a customer for paying that customers’ premium to an insurance company and to pay premium refunds or claims we receive from that insurance company to the customer, once the premium has been received from that insurance company. We cannot use that customer’s money to pay another customers premium or refund. Also for this reason it is not possible for you to themoffset the refund against premiums owed on another policy. We do not pay any interest on premiums held by us in the course of arranging and administering your insurance, these agreements deem any money you pay to usunless, to be received by them and they will bear in the risk case of any losses if our firm becomes insolvent. This includes claims money or premium refunds consumer transactions we receive prior more than £20 per transaction, and then we will ask for your permission to being paid retain the interest. Unless you tell us otherwise, you are consenting to a customerus holding your money in this way. By holding your money in this way, it means that if in the event that this firm becomes insolvent your money remains protected. In arranging your insurance, insurance we may employ the services of other distributors (i.e. insurance intermediaries) intermediaries who are regulated by the FCA and your premium may be passed to these intermediaries for payment to insurers. These firms are also required to hold a customer’s insurance premium clients’ money in a separate trust or risk transfer account. Where We will also inform you if at any time we are required to pass a customer’s your premium to firms that operate outside the UK and where the protection may be different, we will inform customers. Should a customer want you not wish us to pass premiums to a firm outside of the UK, that customer is required to please inform us. Payment Options We will provide you with full details of all the payment options available to you when we provide you with your insurance premium. If you choose to enter in a finance arrangement, your details will be passed to a third party (insurer or lender) to enable them to contact you and you should contact us at the address given in this document if you do not want your details passed to that party. This finance arrangement will be subject to a Regulated Consumer Credit Agreementinterest charges that we will confirm to you when providing the full details. Importantly, the arrangement you will enter into will be with the Lender (i.e. the finance company) company not us. We are a credit broker not a lender. It is an entirely separate contract irrespective of the insurance contract. In the event of your failure to meet with the contractual obligations regarding payment the finance provider has a right to could approach the product provider insurer to seek a termination of the insurance contract to recoup monies in their outstanding finance arrears. You will be liable to pay their costs and charges if you do not keep up your repayments and cover is cancelled under your policy. This is because the agreement is between you, the policyholder and the finance company direct, not us or the insurer. It is important that you understand that the agreement is between you (i.e. the customer), and the Lender directly, not us or the product provider. Full details about read the finance arrangement will be provided agreement that is sent to you before you agree to enter into such an agreement. We do not charge any fees to you for introducing you to a credit provider If you are a consumer as part defined under the Consumer Credit Act, you will have the benefit of our Sales Processa 14 day cooling off period. Please note that we only use Premium Credit Limited for the provision of premium finance facilities.

Money. We will hold all money that customers you pay to us in accordance with the regulators rules or under a risk transfer agreement with product providersinsurers. The premium you pay This will include holding your money in one of the following ways. A statutory trust client bank account that only allows us is to use the money held in trust on behalf of a customer for paying that customer’s premium to an insurance company and to pay premium refunds or claims we receive form that insurance company to the customer, once the premium has been received from that insurance company. We cannot use that customer’s money to pay another customer’s premium or refund. Also for this reason it is not possible for you to offset the refund against premiums owed on another policy. We do not pay any interest on premiums held by us in the course of arranging and administering your insurance unless, in the case of consumer transactions we receive more than £20 per transaction, and then we will ask for your permission to retain the interest. Unless you tell us otherwise, you are consenting to us holding you money in this way. A non-statutory trust insurer trust bank account in accordance with our agreements with Insurance Companies that transfer the risk of money we receive from customers to them, these agreements deem any money you pay to us, to be received by them and they will bear the risk of any losses if in the event that our firm becomes insolvent. This includes claims money or premium refunds we receive prior to being paid to a customeryou. By holding your money in this way, it one of these ways means that if in the event that this firm becomes insolvent your money remains protected. In arranging your insurance, insurance we may employ the services of other distributors (i.e. insurance intermediaries) intermediaries who are regulated by the FCA and your premium may be passed to these intermediaries for payment to insurers. These firms are also required to hold a customer’s insurance premium clients’ money in a separate trust account. Where We will also inform you if at any time we are required to pass a customer’s your premium to firms that operate outside the UK and where the protection may be different, we will inform customers. Should a customer want you not wish us to pass premiums to a firm outside of the UK, that customer is required to please inform us. Payment Options We will provide you with will full details of all the payment options available to you when we provide you with your insurance premium. If you choose to enter in into a finance arrangement, your details will be passed to a third party (insurer or lender) to enable them to contact you and you should contact us at the address given in this document if you do not want your details passed to that party. This finance agreement will be subject to a Regulated Consumer Credit Agreementinterest charges that we will confirm to you when providing the full details. Importantly, the arrangement you will enter into will be with the Lender (i.e. the finance company) company not us. We are a credit broker not a lender. It is an entirely separate contract irrespective of the insurance contract. In the event of your failure to meet with the contractual obligations regarding payment the finance provider has a right to could approach the product provider insurer to seek a termination of the insurance contract to recoup monies in their outstanding finance arrears. You will be liable to pay their costs and charges if you do not keep up your repayments and cover is cancelled under your policy. This is because the agreement is between you, the policyholder and the finance company direct, not us or the insurer. It is important that you understand read the finance agreement that the agreement is between sent to you (i.e. the customer), and the Lender directly, before you agree to enter into such an agreement. We do not us or the product charge any fees to you for introducing you to a credit provider. Full details about If you are a consumer as defined under the Consumer Credit Act, you will have the benefit of a 14 day cooling off period. Please note: Your policy cover will cease if you fail to keep up payments on an instalment agreement or premium finance arrangement will be provided facility related to you as part of our Sales Processit.

Money. We will hold all money that customers you pay to us in accordance with the regulators rules or under a risk transfer agreement with product providersinsurers. The premium you pay This will include holding your money in the following way: A non-statutory trust client bank account that allows us is to use the money held in an insurer trust bank account in accordance with our agreements with Insurance Companies that transfer the risk on behalf of money one customer to pay another customers premium before we receive it from customers that customer and to them, these agreements deem any money you pay to us, to be received by them and they will bear the risk of any losses if our firm becomes insolventpremium refunds or claims before we receive payment from Insurance Companies. This includes claims is a standard practice within the Insurance Industry and we cannot use your money or premium refunds we receive prior for any other purpose. Unless you tell us otherwise, you are consenting to being paid to a customerus holding your money in this way. By holding your money in this way, it means that if in the event that this firm becomes insolvent your money remains protected. In arranging your insurance, insurance we may employ the services of other distributors (i.e. insurance intermediaries) intermediaries who are regulated by the FCA and your premium may be passed to these intermediaries for payment to insurers. These firms are also required to hold a customer’s insurance premium clients’ money in a separate trust account. Where We will also inform you if at any time we are required to pass a customer’s your premium to firms that operate outside the UK and where the protection may be different, we will inform customers. Should a customer want you not wish us to pass premiums to a firm outside of the UK, that customer is required to please inform us. Payment Options Our Remuneration We usually receive a commission from the insurance provider with whom we place your business, and in such a case, the commission will provide you with full details of all the payment options available be paid to you us either when we provide are in receipt of cleared funds from you with your insurance premium. If you choose to enter in a finance arrangement, this will be subject to a Regulated Consumer Credit Agreement. Importantly, (or the arrangement you will enter will be with the Lender (i.e. the premium finance company, if one has been used) not us. We are a credit broker not a lender. It is an entirely separate contract irrespective or, when the insurer has received cleared funds from us in respect of the insurance contract. In the event of your failure to meet with the contractual obligations regarding payment the finance provider has a right to approach the product provider to seek a termination of the insurance contract to recoup monies in arrears. You will be liable to pay their costs and charges if you do not keep up your repayments and cover is cancelled premium due under your policy. It The individual agreements we have with each insurer will determine which of the two methods above is important that used to make this transfer of commission. We may also receive a commission or fee for passing introductions to other professional firms. In addition, we may also charge you understand that the agreement is between you (i.e. the customer), a fee for arranging your insurance and the Lender directly, not us or the product provider. Full full details about the finance arrangement will be provided to you as part of our Sales Processat outset.

Money. You must pay any premiums within the agreed time limits as notified to you. The payment must be made without deduction of any kind whatsoever. Failure to abide by this clause may result in the cancellation of the policy, and may result in your becoming liable to pay interest, as well as our costs and charges in respect of any consequential work notwithstanding that this may be of an administrative nature. We will hold all money that customers you pay us or for payment to you, in accordance with the regulator’s rules or under a risk transfer agreement with product providersinsurers. The premium you pay This will include holding your money in a non-statutory trust client bank account that allows us is to use the money held in an insurer trust bank account in accordance with our agreements with Insurance Companies that transfer the risk on behalf of money one customer to pay another customers premium before we receive it from customers that customer and to them, these agreements deem any money you pay to us, to be received by them and they will bear the risk of any losses if our firm becomes insolventpremium refunds or claims before we receive payment from Insurance Companies. This includes claims is a standard practice within the Insurance Industry and we cannot use your money or premium refunds for any other purpose. We do not pay any interest on premiums held by us in the course of arranging and administering your insurance, unless, in the case of consumer transactions we receive prior more than £20 per transaction, and then we will ask for your permission to being paid retain the interest. Unless you tell us otherwise, you are consenting to a customerus holding your money in this way. By holding your money in this way, it means that if in the event that this firm becomes insolvent your money remains protected. In arranging your insurance, we may employ the services of other distributors (i.e. insurance intermediaries) intermediaries who are regulated by the FCA and your premium may be passed to these intermediaries for payment to insurers. These firms are also required to hold a customer’s insurance premium clients’ money in a separate trust account. Where We will also inform you if at any time we are required to pass a customer’s your premium to firms that operate outside the UK and where the protection may be different, we will inform customers. Should a customer want you not wish us to pass premiums to a firm outside of the UK, that customer is required to please inform us. Payment Options We will provide you with full details of all the payment options available to you when we provide you with your insurance premium. If you choose to enter in a finance arrangement, this will be subject to a Regulated Consumer Credit Agreementinterest charges that we will confirm to you when providing the full details. Importantly, the arrangement you will enter into will be with the Lender (i.e. the finance company) company not us. We are a credit broker not a lender. It is an entirely separate contract irrespective of the insurance contract. In the event of your failure to meet with the contractual obligations regarding payment the finance provider has a right to could approach the product provider insurer to seek a termination of the insurance contract to recoup monies in their outstanding finance arrears. You will be liable to pay their costs and charges if you do not keep up your repayments and cover is cancelled under your policy. It This is important that you understand that because the agreement is between you (i.e. you, the customer), policyholder and the Lender directlyfinance company direct, not us or the product providerinsurer. Full details about Please note that we only use one company for the provision of premium finance arrangement facilities and that your policy cover will be provided cease if you fail to you as part of our Sales Processkeep up payments on an instalment agreement or premium finance facility related to it.

Money. We will hold all money that customers you pay to us in accordance with the regulators rules or under a risk transfer agreement with product providersinsurers. The premium you pay This will include holding your money in the following way. A statutory trust client bank account that only allows us is to use the money held in trust on behalf of a customer for paying that customers’ premium to an insurer trust bank account in accordance with our agreements with Insurance Companies that transfer the risk of money insurance company and to pay premium refunds or claims we receive from that insurance company to the customer, once the premium has been received from that insurance company. We cannot use that customer’s money to pay another customers premium or refund. Also for this reason it is not possible for you to themoffset the refund against premiums owed on another policy. We do not pay any interest on premiums held by us in the course of arranging and administering your insurance, these agreements deem any money you pay to usunless, to be received by them and they will bear in the risk case of any losses if our firm becomes insolvent. This includes claims money or premium refunds consumer transactions we receive prior more than £20 per transaction, and then we will ask for your permission to being paid retain the interest. Unless you tell us otherwise, you are consenting to a customer. By us holding your money in this way, it . By holding your money in this means that if in the event that this firm becomes insolvent your money remains protected. In arranging your insurance, insurance we may employ the services of other distributors (i.e. insurance intermediaries) intermediaries who are regulated by the FCA and your premium may be passed to these intermediaries for payment to insurers. These firms are also required to hold a customer’s insurance premium clients’ money in a separate trust account. Where We will also inform you if at any time we are required to pass a customer’s your premium to firms that operate outside the UK and where the protection may be different, we will inform customers. Should a customer want you not wish us to pass premiums to a firm outside of the UK, that customer is required to please inform us. Payment Options We will provide you with full details of all the payment options available to you when we provide you with your insurance premium. If you choose to enter in a finance arrangement, this will be subject to a Regulated Consumer Credit Agreementinterest charges that we will confirm to you when providing the full details. Importantly, the arrangement you will enter into will be with the Lender (i.e. the finance company) company not us. We are a credit broker not a lender. It is an entirely separate contract irrespective of the insurance contract. In the event of your failure to meet with the contractual obligations regarding payment the finance provider has a right to could approach the product provider insurer to seek a termination of the insurance contract to recoup monies in their outstanding finance arrears. You will be liable to pay their costs and charges if you do not keep up your repayments and cover is cancelled under your policy. It This is important that you understand that because the agreement is between you (i.e. you, the customer), policyholder and the Lender directlyfinance company direct, not us or the product providerinsurer. Full details about Please note that we only use Close Premium Finance for the provision of premium finance arrangement will be provided to you as part of our Sales Processfacilities.

Money. We will hold all money that customers you pay to us in accordance with the regulator’s rules or under a risk transfer agreement with product providersinsurers. The premium you pay This will include holding your money in the following way. A statutory trust client bank account that only allows us is to use the money held in trust on behalf of a customer for paying that customers’ premium to an insurance company and to pay premium refunds or claims we receive from that insurance company to the customer, once the premium has been received from that insurance company. We cannot use that customer’s money to pay other customers premium or refund. We do not pay any interest on premiums held by us in the course of arranging and administering your insurance, unless, in the case of consumer transactions we receive more than £20 per transaction, and then we will ask for your permission to retain the interest. Unless you tell us otherwise, you are consenting to us holding your money in this way. A non-statutory trust insurer trust bank account in accordance with our agreements with Insurance Companies that transfer the risk of money we receive from customers to them, these agreements deem any money you pay to us, to be received by them and they will bear the risk of any losses if in the event that our firm becomes insolvent. This includes claims money or premium refunds we receive prior to being paid to a customeryou. By holding your money in this wayone of these ways, it means that if in the event that this firm becomes insolvent your money remains protected. In arranging your insurance, we may employ the services of other distributors (i.e. insurance intermediaries) intermediaries who are regulated by the FCA and your premium may be passed to these intermediaries for payment to insurers. These firms are also required to hold a customer’s insurance premium clients’ money in a separate trust account. Where We will also inform you if at any time we are required to pass a customer’s your premium to firms that operate outside the UK and where the protection may be different, we will inform customers. Should a customer want you not wish us to pass premiums to a firm outside of the UK, that customer is required to please inform us. Payment Options Insurance Premium Tax (IPT) Your premium detailed in the policy will include IPT at the prevailing rate. Should the rate of IPT be amended by the Government, your premium will be amended by the insurer to reflect the change. Our Remuneration We usually receive a commission from the insurance provider with whom we place your business, and this is expressed as a percentage of the premium you pay and in such a case, the commission will provide you with full details of all the payment options available be paid to you us either when we provide are in receipt of cleared funds from you with your insurance premium. If you choose to enter in a finance arrangement, this will be subject to a Regulated Consumer Credit Agreement. Importantly, (or the arrangement you will enter will be with the Lender (i.e. the premium finance company, if one has been used) not us. We are a credit broker not a lender. It is an entirely separate contract irrespective or, when the insurer has received cleared funds from us in respect of the insurance contract. In the event of your failure to meet with the contractual obligations regarding payment the finance provider has a right to approach the product provider to seek a termination of the insurance contract to recoup monies in arrears. You will be liable to pay their costs and charges if you do not keep up your repayments and cover is cancelled premium due under your policy. It The individual agreements we have with each insurer will determine which of the two methods above is important that you understand that used to make this transfer of commission. We also receive commission for arranging finance agreements for the agreement payment of insurance premiums and this is between you (i.e. usually expressed as a percentage of the customer)individual loan and is paid to us directly by the premium finance provider. We may also receive a commission or fee for passing introductions to other professional firms. We may earn additional remuneration from insurers under agency performance agreements. Any payment received relates to the performance and management of all business placed with a particular insurer, and is not specific to any one particular policy placed with them. A “Conflicts of Interests” policy operates within our business. In addition, we may make the Lender directly, not us or following minimum administration charges to cover the product provider. Full details about the finance arrangement will be provided to you as part administration of your insurance: STANDARD MINIMUM CHARGES Arranging New Policies and Renewals: • £0 - £1500 premium • £1501 - £5000 premium • £5001 - £10000 premium • £10001 + premium Mid-term adjustments Refunds (we refund NET of our Sales Process.commission) Cancellation (we refund NET of our commission) Copy Documents £50 £90 £170 £250 £20 £20* £25*

Money. We will hold all money that customers you pay to us in accordance with the regulator’s rules or under a risk transfer agreement with product providersinsurers. The premium you pay This will include holding your money in the following ways. A statutory trust client bank account that only allows us is to use the money held in trust on behalf of a customer for paying that customers’ premium to an insurance company and to pay premium refunds or claims we receive from that insurance company to the customer, once the premium has been received from that insurance company. We cannot use that customer’s money to pay another customers premium or refund. Also, for this reason it is not possible for you to offset the refund against premiums owed on another policy. We do not pay any interest on premiums held by us in the course of arranging and administering your insurance, unless, in the case of consumer transactions we receive more than £20 per transaction, and then we will ask for your permission to retain the interest. Unless you tell us otherwise, you are consenting to us holding your money in this way. A non-statutory trust insurer trust bank account in accordance with our agreements with Insurance Companies that transfer the risk of money we receive from customers to them, these agreements deem any money you pay to us, to be received by them and they will bear the risk of any losses if in the event that our firm becomes insolvent. This includes claims money or premium refunds we receive prior to being paid to a customeryou. By holding your money in this wayone of these ways, it means that if in the event that this firm becomes insolvent your money remains protected. In arranging your insurance, we may employ the services of other distributors (i.e. insurance intermediaries) intermediaries who are regulated by the FCA and your premium may be passed to these intermediaries for payment to insurers. These firms are also required to hold a customer’s insurance premium clients’ money in a separate trust account. Where We will also inform you if at any time we are required to pass a customer’s your premium to firms that operate outside the UK and where the protection may be different, we will inform customers. Should a customer want you not wish us to pass premiums to a firm outside of the UK, that customer is required to please inform us. Payment Options We will provide you with full details of all the payment options available to you when we provide you with your insurance premium. If you choose to enter in a finance arrangement, this will be subject to a Regulated Consumer Credit Agreementinterest charges that we will confirm to you when providing the full details. Importantly, the arrangement you will enter into will be with the Lender (i.e. the finance company) company not us. We are a credit broker not a lender. It is an entirely separate contract irrespective of the insurance contract. In the event of your failure to meet with the contractual obligations regarding payment the finance provider has a right to could approach the product provider insurer to seek a termination of the insurance contract to recoup monies in their outstanding finance arrears. You will be liable to pay their costs and charges if you do not keep up your repayments and cover is cancelled under your policy. It This is important that you understand that because the agreement is between you (i.e. you, the customer), policyholder and the Lender directlyfinance company direct, not us or the product providerinsurer. Full details about Please note that we only use Close Premium Finance for the provision of premium finance facilities. It is important you read the finance arrangement will be provided agreement that is sent to you as part of our Sales Processbefore you enter into any such agreement Please Note: Your policy cover will cease if you fail to keep up payments on an instalment agreement or premium finance facility related to it.

Money. We will hold all money that customers you pay to us in accordance with the regulator’s rules or under a risk transfer agreement with product providersinsurers. The premium you pay us is This will include holding your money in the following way: Client money may be held in an insurer designated investments and we will keep any investment returns earned. A statutory trust client bank account that only allows us to use the money held in accordance with our agreements with Insurance Companies trust on behalf of a customer for paying that transfer the risk of money customers’ premium to an insurance company and to pay premium refunds or claims we receive from that insurance company to the customer, once the premium has been received from that insurance company. We cannot use that customer’s money to pay other customers to thempremium or refund. We do not pay any interest on premiums held by us in the course of arranging and administering your insurance, these agreements deem any money you pay to usunless, to be received by them and they will bear in the risk case of any losses if our firm becomes insolvent. This includes claims money or premium refunds consumer transactions we receive prior more than £20 per transaction, and then we will ask for your permission to being paid retain the interest. Unless you tell us otherwise, you are consenting to a customerus holding your money in this way. By holding your money in this way, it means that if in the event that this firm becomes insolvent your money remains protected. In arranging your insurance, we may employ the services of other distributors (i.e. insurance intermediaries) intermediaries who are regulated by the FCA and your premium may be passed to these intermediaries for payment to insurers. These firms are also required to hold a customer’s insurance premium clients’ money in a separate trust account. Where We will also inform you if at any time we are required to pass a customer’s your premium to firms that operate outside the UK and where the protection may be different, we will inform customers. Should a customer want you not wish us to pass premiums to a firm outside of the UK, that customer is required to please inform us. Payment Options Terms of payment Please note that you are responsible for the prompt payment of premiums and therefore we require payment of your premium by the inception or renewal date of your policy. Failure to settle your premium by this date may result in your insurer cancelling your policy and imposing a time on risk charge. We accept most major credit cards and also bank transfers, for which no charges will provide apply. We do not accept cheques of cash. In addition, you may be able to pay premiums in monthly instalments via insurers’ direct debit facilities or a credit scheme with full a finance provider which will most likely result in an additional charge. Full details of all the payment options available to you when we provide you with your insurance premium. If you choose to enter in a finance arrangement, this will be subject to a Regulated Consumer Credit Agreement. Importantly, the arrangement you will enter will be with the Lender (i.e. the finance company) not us. We are a credit broker not a lender. It is an entirely separate contract irrespective of the insurance contractavailable at quotation and renewal stage. In the event that we receive no instructions or payment before the date of inception or renewal, we reserve the right (but shall have no duty) to renew your failure policy and (in respect of direct debit/instalment payments) to meet continue to accept payment from you unless and until you provide us or your insurance company with written confirmation that you would like to cancel your policy. In situations where we have anticipated (in the contractual obligations regarding payment absence of instructions to the finance provider has a right to approach the product provider to seek a termination of the insurance contract to recoup monies in arrears. You will contrary) that renewal is required you may be liable to pay their costs and charges if you do not keep up make payment to us and/or your repayments and cover is cancelled under your policyinsurance company. It is important Personal credit checks Please be aware that you understand that the agreement is between you (i.e. the customer), and the Lender directly, not us or the product provider. Full details about the finance arrangement will be provided to you when we approach insurers for quotations some may conduct personal credit checks as part of our Sales Processthe underwriting process. We have been advised that this will not have any detrimental effect on your credit rating or history but the search will appear on your record whether or not your application is proceeded with. Where we have been asked to arrange personal premium finance we must comply with the Consumer Credit legislation and therefore we will pass on your name, address and date of birth to the provider in order for affordability assessments to be made. When assessing your application the provider may use credit scoring, automated decision making and credit reference agencies.

Money. You must pay any premiums within the agreed time limits as notified to you. The payment must be made without deduction of any kind whatsoever. Failure to abide by this clause may result in the cancellation of the policy, and may result in your becoming liable to pay interest, as well as our costs and charges in respect of any consequential work notwithstanding that this may be of an administrative nature. We will hold all money that customers you pay us or for payment to you, in accordance with the regulator’s rules or under a risk transfer agreement with product providersinsurers. The premium you pay This will include holding your money in a non-statutory trust client bank account that allows us is to use the money held in an insurer trust bank account in accordance with our agreements with Insurance Companies that transfer the risk on behalf of money one customer to pay another customers premium before we receive it from customers that customer and to them, these agreements deem any money you pay to us, to be received by them and they will bear the risk of any losses if our firm becomes insolventpremium refunds or claims before we receive payment from Insurance Companies. This includes claims is a standard practice within the Insurance Industry and we cannot use your money or premium refunds for any other purpose. We do not pay any interest on premiums held by us in the course of arranging and administering your insurance, unless, in the case of consumer transactions we receive prior more than £20 per transaction, and then we will ask for your permission to being paid retain the interest. Unless you tell us otherwise, you are consenting to a customerus holding your money in this way. By holding your money in this way, it means that if in the event that this firm becomes insolvent your money remains protected. In arranging your insurance, insurance we may employ the services of other distributors (i.e. insurance intermediaries) intermediaries who are regulated by the FCA and your premium may be passed to these intermediaries for payment to insurers. These firms are also required to hold a customer’s insurance premium clients’ money in a separate trust account. Where We will also inform you if at any time we are required to pass a customer’s your premium to firms that operate outside the UK and where the protection may be different, we will inform customers. Should a customer want you not wish us to pass premiums to a firm outside of the UK, that customer is required to please inform us. Payment Options We will provide you with full details of all the payment options available to you when we provide you with your insurance premium. If you choose to enter in a finance arrangement, this will be subject to a Regulated Consumer Credit Agreementinterest charges that we will confirm to you when providing the full details. Importantly, the arrangement you will enter into will be with the Lender (i.e. the finance company) company not us. We are a credit broker not a lender. It is an entirely separate contract irrespective of the insurance contract. In the event of your failure to meet with the contractual obligations regarding payment the finance provider has a right to could approach the product provider insurer to seek a termination of the insurance contract to recoup monies in their outstanding finance arrears. You will be liable to pay their costs and charges if you do not keep up your repayments and cover is cancelled under your policy. It This is important that you understand that because the agreement is between you (i.e. you, the customer), policyholder and the Lender directlyfinance company direct, not us or the product providerinsurer. Full details about Please note that we only use one company for the provision of premium finance arrangement facilities and that your policy cover will be provided cease if you fail to you as part of our Sales Processkeep up payments on an instalment agreement or premium finance facility related to it.

Money. We will hold all money that customers you pay to us in accordance with the regulator’s rules or under a risk transfer agreement with product providersinsurers. The premium you pay This will include holding your money in the following ways. A statutory trust client bank account that only allows us is to use the money held in trust on behalf of a customer for paying that customers’ premium to an insurance company and to pay premium refunds or claims we receive from that insurance company to the customer, once the premium has been received from that insurance company. We cannot use that customer’s money to pay another customers premium or refund. Also, for this reason it is not possible for you to offset the refund against premiums owed on another policy. We do not pay any interest on premiums held by us in the course of arranging and administering your insurance, unless, in the case of consumer transactions we receive more than £20 per transaction, and then we will ask for your permission to retain the interest. Unless you tell us otherwise, you are consenting to us holding your money in this way. A non-statutory trust insurer trust bank account in accordance with our agreements with Insurance Companies that transfer the risk of money we receive from customers to them, these agreements deem any money you pay to us, to be received by them and they will bear the risk of any losses if in the event that our firm becomes insolvent. This includes claims money or premium refunds we receive prior to being paid to a customeryou. By holding your money in this wayone of these ways, it means that if in the event that this firm becomes insolvent your money remains protected. In arranging your insurance, we may employ the services of other distributors (i.e. insurance intermediaries) intermediaries who are regulated by the FCA and your premium may be passed to these intermediaries for payment to insurers. These firms are also required to hold a customer’s insurance premium clients’ money in a separate trust account. Where We will also inform you if at any time we are required to pass a customer’s your premium to firms that operate outside the UK and where the protection may be different, we will inform customers. Should a customer want you not wish us to pass premiums to a firm outside of the UK, that customer is required to please inform us. Payment Options We will provide you with full details of all the payment options available to you when we provide you with your insurance premium. If you choose to enter in a finance arrangement, this will be subject to a Regulated Consumer Credit Agreementinterest charges that we will confirm to you when providing the full details. Importantly, the arrangement you will enter into will be with the Lender (i.e. the finance company) company not us. We are a credit broker not a lender. It is an entirely separate contract irrespective of the insurance contract. In the event of your failure to meet with the contractual obligations regarding payment the finance provider has a right to could approach the product provider insurer to seek a termination of the insurance contract to recoup monies in their outstanding finance arrears. You will be liable to pay their costs and charges if you do not keep up your repayments and cover is cancelled under your policy. It This is important that you understand that because the agreement is between you (i.e. you, the customer), policyholder and the Lender directlyfinance company direct, not us or the product providerinsurer. Full details about Please note that we only use Close Premium Finance for the provision of premium finance facilities. It is important you read the finance arrangement will be provided agreement that is sent to you as part of our Sales Processbefore you enter into any such agreement‌ Please Note: Your policy cover will cease if you fail to keep up payments on an instalment agreement or premium finance facility related to it.

Money. We will hold all money that customers you pay to us in accordance with the regulator’s rules or under a risk transfer agreement with product providersinsurers. The premium you pay us is held This will include holding your money in an one of the following ways: A non-statutory trust insurer trust bank account in accordance with our agreements with Insurance Companies that transfer the risk of money we receive from customers to them, these agreements deem any money you pay to us, to be received by them and they will bear the risk of any losses if in the event that our firm becomes insolvent. This includes claims money or premium refunds we receive prior to being paid to a customeryou. By holding your money in this way, it means that if in the event that this firm becomes insolvent insolvent, your money remains protected. In arranging your insurance, we may employ the services of other distributors (i.e. insurance intermediaries) intermediaries who are regulated by the FCA and your premium may be passed to these intermediaries for payment to insurers. These firms are also required to hold a customer’s insurance premium clients’ money in a separate trust account. Where We will also inform you if at any time we are required to pass a customer’s your premium to firms that operate outside the UK and where the protection may be different, we will inform customers. Should a customer want you not wish us to pass premiums to a firm outside of the UK, that customer is required to please inform us. Payment Options Insurance Premium Tax (IPT) Your premium detailed in the policy will include IPT at the prevailing rate. Should the rate of IPT be amended by the Government, your premium will be amended to reflect the change. Our Remuneration We usually receive a commission from the insurance provider with whom we place your business, and this is expressed as a percentage of the premium you pay, and in such a case, the commission will provide you with full details of all the payment options available be paid to you us either when we provide are in receipt of cleared funds from you with your insurance premium. If you choose to enter in a finance arrangement, this will be subject to a Regulated Consumer Credit Agreement. Importantly, (or the arrangement you will enter will be with the Lender (i.e. the premium finance company, if one has been used) not us. We are a credit broker not a lender. It is an entirely separate contract irrespective or, when the insurer has received cleared funds from us in respect of the insurance contract. In the event of your failure to meet with the contractual obligations regarding payment the finance provider has a right to approach the product provider to seek a termination of the insurance contract to recoup monies in arrears. You will be liable to pay their costs and charges if you do not keep up your repayments and cover is cancelled premium due under your policy. It The individual agreements we have with each insurer will determine which of the two methods above is important that you understand used to make this transfer of commission. We also receive commission for arranging finance agreements for the payment of insurance premiums and this is usually expressed as a percentage of the individual loan and is paid to us directly by the premium finance provider. This means that the agreement is between amount you (i.e. the customer), pay for credit and the Lender directlyoverall cost of arranging your insurance will vary according to the interest charged by the lender and the amount of commission we earn. Using premium finance makes the overall cost of the insurance more expensive. A full breakdown of the cost of your insurance and the cost of credit will be provided as part of your new business or renewal quotation before you make a decision whether to proceed. We may also receive a commission or fee for passing introductions to other professional firms. In addition, not us or the product provider. Full we may also charge you a fee for arranging your insurance and full details about the finance arrangement will be provided to you as part of our Sales Process.at the outs

Money. We will hold all money that customers you pay to us in accordance with the regulators rules and under a risk transfer agreement with product providersinsurers involved. The premium you pay us is held This involves holding your money in an the following way: A non-statutory trust insurer trust bank account in accordance with our agreements with Insurance Companies that transfer the risk of money we receive from customers to them, these agreements deem any money you pay to us, to be received by them and they will bear the risk of any losses if in the event that our firm becomes insolvent. This includes claims money or premium refunds we receive prior to being paid to a customeryou. By holding your money in this way, it means that if in the event that this firm becomes insolvent your money remains protected. In arranging your insurance, insurance we may employ the services of other distributors (i.e. insurance intermediaries) intermediaries who are regulated by the FCA and your premium may be passed to these intermediaries for payment to insurers. These firms are also required to hold a customer’s insurance premium clients’ money in a separate trust account. Where We will also inform you if at any time we are required to pass a customer’s your premium to firms that operate outside the UK and where the protection may be different, we will inform customers. Should a customer want you not wish us to pass premiums to a firm outside of the UK, that customer is required to please inform us. Payment Options Insurance Premium Tax (IPT) Your premium detailed in the policy will include IPT at the prevailing rate. Should the rate of IPT be amended by the Government, your premium will be amended by the insurer to reflect the change. Our Remuneration We usually receive a commission from the insurance provider with whom we place your business, and this is expressed as a percentage of the premium you pay and in such a case, the commission will provide you with full details of all the payment options available be paid to you us either when we provide are in receipt of cleared funds from you with your insurance premium. If you choose to enter in a finance arrangement, this will be subject to a Regulated Consumer Credit Agreement. Importantly, (or the arrangement you will enter will be with the Lender (i.e. the premium finance company, if one has been used) not us. We are a credit broker not a lender. It is an entirely separate contract irrespective or, when the insurer has received cleared funds from us in respect of the insurance contract. In the event of your failure to meet with the contractual obligations regarding payment the finance provider has a right to approach the product provider to seek a termination of the insurance contract to recoup monies in arrears. You will be liable to pay their costs and charges if you do not keep up your repayments and cover is cancelled premium due under your policy. It The individual agreements we have with each insurer will determine which of the two methods above is important that you understand that used to make this transfer of commission. We also receive commission for arranging finance agreements for the payment of insurance premiums and this is usually expressed as a percentage of the individual loan and is paid to us directly by the premium finance provider. Our level of commission is not linked to the interest rate on the agreement is between but the amount of commission we receive does vary depending on which finance agreement you (i.e. the customer)chose to enter in to. We may also receive a commission or fee for passing introductions to other professional firms. In addition, we may also charge you a fee for arranging your insurance and the Lender directly, not us or the product provider. Full full details about the finance arrangement will be provided to you as part at outset. You are entitled to request at any time, information about the commissions that we may have received about your insurance or premium finance agreement, if you want this information, please contact us. TOBA (Version 1011 12/23) Summary of our Sales Process.Charges - we may make the following charges to cover the administration of your insurance:

Money. We will hold all money that customers you pay to us in accordance with the regulators rules or under a risk transfer agreement with product providersinsurers. The premium you pay This will include holding your money in one of the following ways. A non-statutory trust client bank account that allows us is to use the money held in an trust on behalf of one customer to pay another customers premium before we receive it from that customer and to pay premium refunds or claims before we receive payment from Insurance Companies. This is a standard practice within the Insurance Industry and we cannot use your money for any other purpose. We do not pay any interest on premiums held by us in the course of arranging and administering your insurance, unless, in the case of consumer transactions we receive more than £20 per transaction, and then we will ask for your permission to retain the interest. Unless you tell us otherwise, you are consenting to us holding your money in this way. A non-statutory trust insurer trust bank account in accordance with our agreements with Insurance Companies that transfer the risk of money we receive from customers to them, these agreements deem any money you pay to us, to be received by them and they will bear the risk of any losses if in the event that our firm becomes insolvent. This includes claims money or premium refunds we receive prior to being paid to a customeryou. By holding your money in this wayone of these ways, it means that if in the event that this firm becomes insolvent your money remains remain protected. In arranging your insurance, insurance we may employ the services of other distributors (i.e. insurance intermediaries) intermediaries who are regulated by the FCA and your premium may be passed to these intermediaries for payment to insurers. These firms are also required to hold a customer’s insurance premium clients' money in a separate trust account. Where We will also inform you if at any time we are required to pass a customer’s your premium to firms that operate outside the UK and where the protection may be different, we will inform customers. Should a customer want you not wish us to pass premiums to a firm outside of the UK, that customer is required to please inform us. Payment Options We will provide you with full details of all the payment options available to you when we provide you with your insurance premium. If you choose to enter in a finance arrangement, this will be subject to a Regulated Consumer Credit Agreementinterest charges that we will confirm to you when providing the full details. Importantly, the arrangement you will enter into will be with the Lender (i.e. the finance company) company not us. We are a credit broker not a lender. It is an entirely separate contract irrespective of the insurance contract. In the event of your failure to meet with the contractual obligations regarding payment the finance provider has a right to could approach the product provider insurer to seek a termination of the insurance contract to recoup monies in their outstanding finance arrears. You will be liable to pay their costs and charges if you do not keep up your repayments and cover is cancelled under your policy. It This is important that you understand that because the agreement is between you (i.e. you, the customer), policyholder and the Lender directlyfinance company direct, not us or the product providerinsurer. Full details about Please note that we only use Close Premium Finance for the provision of premium finance arrangement facilities. may apply for the period of cover provided and, in addition, an administration charge will apply as shown in the charges section above, cancellation under this right must be in writing, prior to expiry of the 14- day cancellation period, to our usual office address. Complaints Our aim is always to provide our customers with a first-class service; however we are aware that, occasionally, it is possible that we may fail to meet your expectations. If for any reason we have not met your expectations, let us know as soon as possible, by calling our main office Telephone 00000 000000, or write to: Xxxxxxx Xxxxxxxxx, Bloomhill Insurance Solutions, 0 Xxxxxxxxxxx Xxxx, Xxxxxxxxx Xxxx, Xxxxxxxx, Xxxxxxxxx XX00 0XX or email xxxx@xxxxxxxxxx.xx.xx. If we are unable to resolve the issue to your satisfaction by the end of the next business day, we will formally investigate the matter. You will receive an acknowledgement of the matter together with a copy of our complaints process promptly and certainly within 5 working days. We will then aim to investigate and provide a resolution as quickly as possible, informing you of the position at no later than 4 weeks and a final response no later than 8 weeks. If you are not happy with our response, or the position after a period of 8 weeks, you may be eligible to refer your complaint to the Financial Ombudsman Service (FOS) for an independent assessment and opinion. The FOS Consumer Helpline is on 0800 023 4567 (free for people phoning from a "fixed line" (for example, a landline at home) or 0000 000 0000 (free for mobile-phone users paying monthly charge for calls to No's starting 01 or 02). Alternatively you can contact them at Financial Ombudsman Service, South Xxxx Xxxxx, 000 Xxxxx Xxxx, London, E14 9SR. xxx.xxxxxxxxx-xxxxxxxxx.xxx.xx A full copy of our complaints procedure is available on request Financial Services Compensation Scheme (FSCS) If we are unable to meet our obligations, you may be entitled to compensation from the FSCS. If we have advised or arranged insurance for you this will be provided covered for 90% of a claim, without any upper limit, however compulsory classes of insurance (such as motor insurance) is covered for 100% of a claim. Further information is available from the FSCS helpline on 0207 892 7300 and xxx.xxxx.xxx.xx. The FSCS is the UK's statutory fund of last resort for customers of authorised financial services firms. Compensation is usually payable if an authorised firm is unable or unlikely to you as part pay claims usually because it has ceased trading or become insolvent. Insurance Premium Tax (IPT) Your premium detailed in the policy will include IPT at the prevailing rate. Should the rate of our Sales ProcessIPT be amended by the Government, your premium will be amended by the insurer to reflect the change. Some polices are subject to Value Added Tax (VAT) not IPT and should the rate of VAT be amended by the Government, your premium will be amended by the insurer to reflect the change.

Money. We will hold all money that customers you pay to us in accordance with the regulators rules or under a risk transfer agreement with product providersinsurers. The premium you pay This will include holding your money in one of the following ways. A non-statutory trust client bank account that allows us is to use the money held in an trust on behalf of one customer to pay another customer premium before we receive it from that customer and to pay premium refunds or claims before we receive payment from Insurance Companies. This is a standard practice within the Insurance Industry and we cannot use your money for any other purpose. We do not pay any interest on premiums held by us during arranging and administering your insurance, unless, in the case of consumer transactions we receive more than £20 per transaction, and then we will ask for your permission to retain the interest. Unless you tell us otherwise, you are consenting to us holding your money in this way. An insurer trust bank account in accordance with our agreements with Insurance Companies that transfer the risk of money we receive from customers to them, these agreements deem any money you pay to us, to be received by them and they will bear the risk of any losses if our firm becomes insolvent. This includes claims money or premium refunds we receive prior to being paid to a customeryou. By holding your money in this wayone of these way(s), it means that if this firm becomes insolvent your money remains protected. In arranging your insurance, we may employ the services of other distributors (i.e. insurance intermediaries) intermediaries who are regulated by the FCA and your premium may be passed to these intermediaries for payment to insurers. These firms are also required to hold a customer’s insurance premium clients' money in a separate trust account. Where We will also inform you if at any time we are required to pass a customer’s your premium to firms that operate outside the UK and where the protection may be different, we will inform customers. Should a customer want you not wish us to pass premiums to a firm outside of the UK, that customer is required to please inform us. Payment Options We will provide you with full details of all the payment options available to you when we provide you with your insurance premium. If you choose to enter in a finance arrangement, this will be subject to a Regulated Consumer Credit Agreement. Importantly, the arrangement you will enter will be with the Lender (i.e. the finance company) company not us. We are a credit broker not a lender. It is an entirely separate contract irrespective of the insurance contract. In the event of your failure to meet with the contractual obligations regarding payment it is possible that the finance provider has a right to approach approaches the product provider insurer to seek a termination of the insurance contract to recoup monies in their outstanding finance arrears. You will be liable to pay their costs and charges if you do not keep up your repayments and cover is cancelled under your policy. It This is important that you understand that because the agreement is between you (i.e. you, the customer)policyholder, and the Lender directlyfinance company direct, not us or the product providerinsurer. Full details about the finance arrangement will be provided to you as part of our Sales Process.

Money. We will hold all money that customers you pay to us in accordance with the regulator’s rules or under a risk transfer agreement with product providersinsurers. The premium you pay This will include holding your money in the following way. A statutory trust client bank account that only allows us is to use the money held in trust on behalf of a customer for paying that customer’s premium to an insurer trust bank account in accordance with our agreements with Insurance Companies that transfer the risk of money insurance company and to pay premium refunds or claims we receive from that insurance company. We cannot use that customer’s money to pay other customers premium or refund. Also, for this reason it is not possible for you to themoffset the refund against premiums owned on another policy. We do not pay any interest on premiums held by us in the course of arranging and administering your insurance, these agreements deem any money you pay to usunless, to be received by them and they will bear in the risk case of any losses if our firm becomes insolvent. This includes claims money or premium refunds consumer transaction we receive prior more than £20 per transaction, and then we will ask for your permission to being paid retain the interest. Unless you tell us otherwise, you are consenting to a customer. By us holding your money in this way, it . By holding your money in this means that if in the event that this firm becomes insolvent your money remains protected. In arranging your insurance, we may employ the services service of other distributors (i.e. insurance intermediaries) intermediaries who are regulated by the FCA FCA, and your premium may be passed to these intermediaries for payment to insurers. These firms are also required to hold a customer’s insurance premium clients’ money in a separate trust account. Where We will also inform you if at any time we are required to pass a customer’s you premium to firms that operate outside in the UK and where the protection may be different, we will inform customers. Should a customer want you not wish us to pass premiums to a firm outside of the UK, that customer is required to please inform us. Payment Options Option We will provide you with full details of all the payment options available to you when we provide you with your insurance premium. If you choose to enter in a finance arrangement, this will be subject to a Regulated Consumer Credit Agreementinterest charges that we will confirm to you when providing the full details. Importantly, the arrangement you will enter into will be with the Lender (i.e. the finance company) company not us. We are a credit broker not a lender. It is an entirely separate contract irrespective of the insurance contract. In the event of your failure to meet with the contractual obligations regarding payment the finance provider has a right to could approach the product provider insurer to seek a termination of the insurance contract to recoup monies in their outstanding finance arrears. You , you will be liable to pay their costs and charges if you do not keep up your repayments and cover is cancelled under your policy. It This is important that you understand that the agreement is between you (i.e. you, the customer)policyholder, and the Lender directlyfinance company direct, not us or the product provider. Full details about the finance arrangement will be provided to you as part of our Sales Processinsurer.

Money. We will hold all money that customers you pay to us in accordance with the regulators rules and under a risk transfer agreement with product providersinsurers involved. The premium you pay us is held This involves holding your money in an the following way: A non-statutory trust insurer trust bank account in accordance with our agreements with Insurance Companies that transfer the risk of money we receive from customers to them, these agreements deem any money you pay to us, to be received by them and they will bear the risk of any losses if in the event that our firm becomes insolvent. This includes claims money or premium refunds we receive prior to being paid to a customeryou. By holding your money in this way, it means that if in the event that this firm becomes insolvent your money remains protected. In arranging your insurance, insurance we may employ the services of other distributors (i.e. insurance intermediaries) intermediaries who are regulated by the FCA and your premium may be passed to these intermediaries for payment to insurers. These firms are also required to hold a customer’s insurance premium clients’ money in a separate trust account. Where We will also inform you if at any time we are required to pass a customer’s your premium to firms that operate outside the UK and where the protection may be different, we will inform customers. Should a customer want you not wish us to pass premiums to a firm outside of the UK, that customer is required to please inform us. Payment Options We will provide you with full details of all the payment options available to you when we provide you with your insurance premium. If you choose to enter in a finance arrangement, this will be subject to a Regulated Consumer Credit Agreementinterest charges that we will confirm to you when providing the full details. Importantly, the arrangement you will enter into will be with the Lender (i.e. the finance company) company not us. We are a credit broker not a lender. It is an entirely separate contract irrespective of the insurance contract. In the event of your failure to meet with the contractual obligations regarding payment payment, the finance provider has a right to could approach the product provider insurer to seek a termination of the insurance contract to recoup monies in their outstanding finance arrears. You will be liable to pay their costs and charges if you do not keep up your repayments and cover is cancelled under your policy. It This is important that you understand that because the agreement is between you (i.e. you, the customer)policyholder, and the Lender directly, not us or finance company direct. Please note that we only use Close Premium Finance Limited for the product provider. Full details about the provision of premium finance arrangement will be provided to you as part of our Sales Processfacilities.

Money. We will hold all money that customers you pay to us in accordance with the regulators rules or under a risk transfer agreement with product providersinsurers. The premium you pay This will include holding your money in the following way. A statutory trust client bank account that only allows us is to use the money held in trust on behalf of a customer for paying that customers’ premium to an insurance company and to pay premium refunds or claims we receive from that insurance company to the customer, once the premium has been received from that insurance company. We cannot use that customer’s money to pay another customers premium or refund. Also for this reason it is not possible for you to offset the refund against premiums owed on another policy. We do not pay any interest on premiums held by us in the course of arranging and administering your insurance, unless, in the case of consumer transactions we receive more than £20 per transaction, and then we will ask for your permission to retain the interest. Unless you tell us otherwise, you are consenting to us holding your money in this way. A non-statutory trust insurer trust bank account in accordance with our agreements with Insurance Companies that transfer the risk of money we receive from customers to them, these agreements deem any money you pay to us, to be received by them and they will bear the risk of any losses if in the event that our firm becomes insolvent. This includes claims money or premium refunds we receive prior to being paid to a customeryou. By holding your money in this wayone of these ways, it means that if in the event that this firm becomes insolvent your money remains protected. In arranging your insurance, insurance we may employ the services of other distributors (i.e. insurance intermediaries) intermediaries who are regulated by the FCA and your premium may be passed to these intermediaries for payment to insurers. These firms are also required to hold a customer’s insurance premium clients’ money in a separate trust account. Where We will also inform you if at any time we are required to pass a customer’s your premium to firms that operate outside the UK and where the protection may be different, we will inform customers. Should a customer want you not wish us to pass premiums to a firm outside of the UK, that customer is required to please inform us. Payment Options We will provide you with full details of all the payment options available to you when we provide you with your insurance premium. If you choose to enter in a finance arrangement, this will be subject to a Regulated Consumer Credit Agreementinterest charges that we will confirm to you when providing the full details. Importantly, the arrangement you will enter into will be with the Lender (i.e. the finance company) company not us. We are a credit broker not a lender. It is an entirely separate contract irrespective of the insurance contract. In the event of your failure to meet with the contractual obligations regarding payment the finance provider has a right to could approach the product provider insurer to seek a termination of the insurance contract to recoup monies in their outstanding finance arrears. You will be liable to pay their costs and charges if you do not keep up your repayments and cover is cancelled under your policy. It This is important that you understand that because the agreement is between you (i.e. you, the customer), policyholder and the Lender directlyfinance company direct, not us or the product providerinsurer. Full details about Please note that we only use Close Premium Finance or Premium Credit for the provision of premium finance arrangement will be provided to you as part of our Sales Processfacilities.

Money. We will hold all money that customers you pay to us in accordance with the regulators rules or under a risk transfer agreement with product providersinsurers. The premium you pay us is held This will include holding your money in an a non-statutory trust insurer trust bank account in accordance with our agreements with Insurance Companies that transfer the risk of money we receive from customers to them, these . These agreements deem any money you pay to us, us to be received by them and they will bear the risk of any losses if in the event that our firm becomes insolvent. This includes claims money or premium refunds we receive prior to being paid to a customeryou. By holding your money in this way, it means that if in the event that this firm becomes insolvent your money remains protected. In arranging your insurance, insurance we may employ the services of other distributors (i.e. insurance intermediaries) intermediaries who are regulated by the FCA and your premium may be passed to these intermediaries for payment to insurers. These firms are also required to hold a customer’s insurance premium clients’ money in a separate trust account. Where We will also inform you if at any time we are required to pass a customer’s your premium to firms that operate outside the UK and where the protection may be different, we will inform customers. Should a customer want you not wish us to pass premiums to a firm outside of the UK, that customer is required to please inform us. Payment Options We normally accept payment by BACS, cheque or by debit card. You may be able to spread your payments through insurers’ instalment schemes. We will provide give you with full details of all the information about your payment options available to you when we provide you with discuss your insurance premiumin detail. If you choose to enter in a finance arrangement, your details will be passed to a third party (insurer or lender) to enable them to contact you and you should contact us at the address given in this will document if you do not want your details passed to that party. This finance arrangement may be subject to a Regulated Consumer Credit Agreementinterest charges that we will confirm to you. Importantly, the arrangement you will enter into will be with the Lender (i.e. the finance company) company not us. We are a credit broker not a lender. It is an entirely separate contract irrespective of the insurance contract. In the event of your failure to meet with the contractual obligations regarding payment the finance provider has a right to could approach the product provider insurer to seek a termination of the insurance contract to recoup monies in their outstanding finance arrears. You will be liable to pay their costs and charges if you do not keep up your repayments and cover is cancelled under your policy. This is because the agreement is between you, the policyholder and the finance company direct, not us or the insurer. It is important that you understand that the agreement is between you (i.e. the customer), and the Lender directly, not us or the product provider. Full details about read the finance arrangement will be provided agreement that is sent to you as part of our Sales Processbefore you agree to enter into such an agreement.

Money. We will hold all money that customers you pay to us in accordance with the regulators rules or under a risk transfer agreement with product providersinsurers. The premium you pay This will include holding your money in one of the following ways. A non-statutory trust client bank account that allows us is to use the money held in an trust on behalf of one customer to pay another customers premium before we receive it from that customer and to pay premium refunds or claims before we receive payment from Insurance Companies. This is a standard practice within the Insurance Industry and we cannot use your money for any other purpose. We do not pay any interest on premiums held by us in the course of arranging and administering your insurance, unless, in the case of consumer transactions we receive more than £20 per transaction, and then we will ask for your permission to retain the interest. Unless you tell us otherwise, you are consenting to us holding your money in this way. A non-statutory trust insurer trust bank account in accordance with our agreements with Insurance Companies that transfer the risk of money we receive from customers to them, these agreements deem any money you pay to us, to be received by them and they will bear the risk of any losses if in the event that our firm becomes insolvent. This includes claims money or premium refunds we receive prior to being paid to a customeryou. By holding your money in this wayone of these ways, it means that if in the event that this firm becomes insolvent your money remains remain protected. In arranging your insurance, insurance we may employ the services of other distributors (i.e. insurance intermediaries) intermediaries who are regulated by the FCA and your premium may be passed to these intermediaries for payment to insurers. These firms are also required to hold a customer’s insurance premium clients' money in a separate trust account. Where We will also inform you if at any time we are required to pass a customer’s your premium to firms that operate outside the UK and where the protection may be different, we will inform customers. Should a customer want you not wish us to pass premiums to a firm outside of the UK, that customer is required to please inform us. Payment Options We will provide you with full details of all the payment options available to you when we provide you with your insurance premium. If you choose Premium Finance We may be able to enter in arrange finance for insurance instalments through the insurer or through a preferred premium finance arrangement, this will be subject to a Regulated Consumer Credit Agreement. Importantly, the arrangement you will enter will be with the Lender (i.e. the finance company) not usprovider. We are act as a credit broker not a lenderin arranging premium finance facilities and we will give you further information about this before we finalise your instalment arrangements. It When we are aware there is an entirely separate contract irrespective of alternative premium finance arrangement available, with a lower annual percentage rate, for example direct with your insurer, we will let you know. This will enable you to make an informed decision. We will not make a specific recommendation or provide you with specific advice, we will give you the insurance contract. In the event of relevant information you require, honestly, fairly and professionally and in a way that is in your failure to meet with the contractual obligations regarding payment the finance provider has a right to approach the product provider to seek a termination of the insurance contract to recoup monies in arrears. You will be liable to pay their costs and charges if you do not keep up your repayments and cover is cancelled under your policy. It is important best interests this may include information about one or more agreements that you understand may be eligible for, so that the agreement is between you (i.e. the customer)can compare them, and the Lender directly, not us or the product provider. Full details which will enable you to make your own choice about the whether to go ahead with any particular finance arrangement will be provided to you as part of our Sales Processagreement.

Money. We will hold all money that customers you pay to us in accordance with the regulators rules or under a risk transfer agreement with product providersinsurers. The premium you pay This will include holding your money in the following way. A statutory trust client bank account that only allows us is to use the money held in trust on behalf of a customer for paying that customers’ premium to an insurer trust bank account in accordance with our agreements with Insurance Companies that transfer the risk of money insurance company and to pay premium refunds or claims we receive from that insurance company to the customer, once the premium has been received from that insurance company. We cannot use that customer’s money to pay another customers premium or refund. Also for this reason it is not possible for you to themoffset the refund against premiums owed on another policy. We do not pay any interest on premiums held by us in the course of arranging and administering your insurance, these agreements deem any money you pay to usunless, to be received by them and they will bear in the risk case of any losses if our firm becomes insolvent. This includes claims money or premium refunds consumer transactions we receive prior more than £20 per transaction, and then we will ask for your permission to being paid retain the interest. Unless you tell us otherwise, you are consenting to a customerus holding your money in this way. By holding your money in this way, it means that if in the event that this firm becomes insolvent your money remains remain protected. In arranging your insurance, insurance we may employ the services of other distributors (i.e. insurance intermediaries) intermediaries who are regulated by the FCA and your premium may be passed to these intermediaries for payment to insurers. These firms are also required to hold a customer’s insurance premium clients’ money in a separate trust account. Where We will also inform you if at any time we are required to pass a customer’s your premium to firms that operate outside the UK and where the protection may be different, we will inform customers. Should a customer want you not wish us to pass premiums to a firm outside of the UK, that customer is required to please inform us. Payment Options We will provide you with full details of all the payment options available to you when we provide you with your insurance premium. If you choose to enter in a finance arrangement, this will be subject to a Regulated Consumer Credit Agreementinterest charges that we will confirm to you when providing the full details. Importantly, the arrangement you will enter into will be with the Lender (i.e. the finance company) company not us. We are a credit broker not a lender. It is an entirely separate contract irrespective of the insurance contract. In the event of your failure to meet with the contractual obligations regarding payment the finance provider has a right to could approach the product provider insurer to seek a termination of the insurance contract to recoup monies in their outstanding finance arrears. You will be liable to pay their costs and charges if you do not keep up your repayments and cover is cancelled under your policy. It This is important that you understand that because the agreement is between you (i.e. you, the customer), policyholder and the Lender directlyfinance company direct, not us or the product providerinsurer. Full details about Your Right to Cancel (Applicable to Consumers only) Please contact us if you wish to cancel any policy that we have arranged for you. Customers acting outside their trade or profession (Consumers) will usually have a legal right to cancel policies for any reason, subject to no claims having occurred, within 14 days of receiving the finance arrangement full terms & conditions. You will always be advised where this Right applies. A charge may apply for the period of cover provided and, in addition, an administration charge will apply as shown in the charges section above, cancellation under this right must be in writing, prior to expiry of the cancellation period, to our usual office address. What to do if you have a complaint Our aim is always to provide our customers with a first-class service, however we are aware that, occasionally, it is possible that we may fail to meet your expectations. If you need to make a complaint, in the first instance, you should contact us either in writing to: Xxxxxxx Xxxxxx or, by telephone / fax on Telephone 00000 000000 or fax 00000 000000 We will provide you with a copy of our full complaints procedure and respond to you promptly. We will keep you informed of the progress of your complaint and aim to make a final response to you within eight weeks, or keep you informed as to why this is not possible. In the event that your complaint relates to activities or services provided by another party, we will ensure that your complaint is appropriately forwarded in writing, and will track the progress of the complaint and responses of that party. After our final response has been issued, if you still cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service, for an independent assessment and opinion. The FOS Consumer Helpline is on 0800 023 4567 ( free for people phoning from a "fixed line" (for example, a landline at home) or 0000 000 0 000 (free for mobile-phone users paying monthly charge for calls to No’s starting 01 or 02 and their address is: Financial Ombudsman Service Exchange Xxxxx Xxxxxxx Xxxxxxxx Xxxxxx Xxxxxx X00 0XX Financial Services Compensation Scheme (FSCS) If we are unable to meet our obligations, you may be entitled to compensation from the FSCS. If we have advised or arranged insurance for you this will be provided covered for 90% of a claim, without any upper limit, however compulsory classes of insurance (such as motor insurance) is covered for 100% of a claim. Further information is available from the FSCS helpline on 0207 892 7300 and xxx.xxxx.xxx.xx. The FSCS is the UK’s statutory fund of last resort for customers of authorised financial services firms. Compensation is usually payable if an authorised firm is unable or unlikely to you as part pay claims usually because it has ceased trading or become insolvent Insurance Premium Tax (IPT) Your premium detailed in the policy will include IPT at the prevailing rate. Should the rate of our Sales ProcessIPT be amended by the Government, your premium will be amended by the insurer to reflect the change. Some polices are subject to Value Added Tax (VAT) not IPT and should the rate of VAT be amended by the Government, your premium will be amended by the insurer to reflect the change.

Money. We will hold all money that customers you pay to us in accordance with the regulators rules or under a risk transfer agreement with product providersinsurers. The premium you pay This will include holding your money in the following way. A statutory trust client bank account that only allows us is to use the money held in trust on behalf of a customer for paying that customers’ premium to an insurer trust bank account in accordance with our agreements with Insurance Companies that transfer the risk of money insurance company and to pay premium refunds or claims we receive from that insurance company to the customer, once the premium has been received from that insurance company. We cannot use that customer’s money to pay another customers premium or refund. Also for this reason it is not possible for you to themoffset the refund against premiums owed on another policy. We do not pay any interest on premiums held by us in the course of arranging and administering your insurance, these agreements deem any money you pay to usunless, to be received by them and they will bear in the risk case of any losses if our firm becomes insolvent. This includes claims money or premium refunds consumer transactions we receive prior more than £20 per transaction, and then we will ask for your permission to being paid retain the interest. Unless you tell us otherwise, you are consenting to a customer. By us holding your money in this way. By holding your money in this way , it means that if in the event that this firm becomes insolvent your money remains protected. In arranging your insurance, insurance we may employ the services of other distributors (i.e. insurance intermediaries) intermediaries who are regulated by the FCA and your premium may be passed to these intermediaries for payment to insurers. These firms are also required to hold a customer’s insurance premium clients’ money in a separate trust account. Where We will also inform you if at any time we are required to pass a customer’s your premium to firms that operate outside the UK and where the protection may be different, we will inform customers. Should a customer want you not wish us to pass premiums to a firm outside of the UK, that customer is required to please inform us. Payment Options We will provide you with full details of all the payment options available to you when we provide you with your insurance premium. If you choose to enter in a finance arrangement, this will be subject to a Regulated Consumer Credit Agreementinterest charges that we will confirm to you when providing the full details. Importantly, the arrangement you will enter into will be with the Lender (i.e. the finance company) company not us. We are a credit broker not a lender. It is an entirely separate contract irrespective of the insurance contract. In the event of your failure to meet with the contractual obligations regarding payment the finance provider has a right to could approach the product provider insurer to seek a termination of the insurance contract to recoup monies in their outstanding finance arrears. You will be liable to pay their costs and charges if you do not keep up your repayments and cover is cancelled under your policy. It This is important that you understand that because the agreement is between you (i.e. you, the customer), policyholder and the Lender directlyfinance company direct, not us or the product provider. Full details about the finance arrangement will be provided to you as part of our Sales Processinsurer.

Money. We will hold all money that customers you pay to us in accordance with the regulators rules or under a risk transfer agreement with product providersinsurers. The premium you pay This will include holding your money in the following way. A statutory trust client bank account that only allows us is to use the money held in trust on behalf of a customer for paying that customers’ premium to an insurer trust bank account in accordance with our agreements with Insurance Companies that transfer the risk of money insurance company and to pay premium refunds or claims we receive from that insurance company to the customer, once the premium has been received from that insurance company. We cannot use that customer’s money to pay another customers premium or refund. Also for this reason it is not possible for you to themoffset the refund against premiums owed on another policy. We do not pay any interest on premiums held by us in the course of arranging and administering your insurance, these agreements deem any money you pay to usunless, to be received by them and they will bear in the risk case of any losses if our firm becomes insolvent. This includes claims money or premium refunds consumer transactions we receive prior more than £20 per transaction, and then we will ask for your permission to being paid retain the interest. Unless you tell us otherwise, you are consenting to a customerus holding your money in this way. By holding your money in this way, it means that if in the event that this firm becomes insolvent your money remains protected. In arranging your insurance, insurance we may employ the services of other distributors (i.e. insurance intermediaries) intermediaries who are regulated by the FCA and your premium may be passed to these intermediaries for payment to insurers. These firms are also required to hold a customer’s insurance premium clients’ money in a separate trust account. Where We will also inform you if at any time we are required to pass a customer’s your premium to firms that operate outside the UK and where the protection may be different, we will inform customers. Should a customer want you not wish us to pass premiums to a firm outside of the UK, that customer is required to please inform us. Payment Options We will provide you with full details of all the payment options available to you when we provide you with your insurance premium. If you choose to enter in a finance arrangement, this will be subject to a Regulated Consumer Credit Agreementinterest charges that we will confirm to you when providing the full details. Importantly, the arrangement you will enter into will be with the Lender (i.e. the finance company) company not us. We are a credit broker not a lender. It is an entirely separate contract irrespective of the insurance contract. In the event of your failure to meet with the contractual obligations regarding payment the finance provider has a right to could approach the product provider insurer to seek a termination of the insurance contract to recoup monies in their outstanding finance arrears. You will be liable to pay their costs and charges if you do not keep up your repayments and cover is cancelled under your policy. It This is important that you understand that because the agreement is between you (i.e. you, the customer), policyholder and the Lender directlyfinance company direct, not us or the product provider. Full details about the finance arrangement will be provided to you as part of our Sales Processinsurer.