Common use of Remuneration and fees Clause in Contracts

Remuneration and fees. In most cases we are paid by commission from the insurer but in some circumstances, we may charge you a fee instead of commission or a combination of both where we arrange policies with a low commission. Where we charge a fee, this will not be liable for insurance premium tax or value added tax (insurance is a VAT exempt industry). All fees will be advised verbally and/or will be included within the Statement of Price document before you incept your policy. We will also make the following administration charges per policy: Reason for Charge Administration Fee Private Car New Business £50 Renewal/ Replacement £50 Mid-term Adjustment - per occurrence £25 Cancellation (including during the 14-day Cooling Off period) £25 Our commission and fee(s) are earned on placement of your insurance. If you make a change or cancel your policy mid-term (other than in the 14-day Cooling Off period) which results in a return premium, we will retain all fees and any commission to cover our administration and advisory services. Our fees will be clearly shown in any invoice we issue to you, and we will advise you of the amount of any charge before you become liable to paying it. We have arrangements with some insurers to receive additional payments reflecting the size and/or profitability of our account with them and/or in respect of work we undertake on their behalf, and we will advise you where this is the case.

Remuneration and fees. In most cases we are paid by commission from the insurer but in some circumstances, we may charge you a fee instead of commission or a combination of both where we arrange policies with a low or no commission. Where we charge a fee, this will not be liable for insurance premium tax or value added tax (insurance is a VAT exempt industry). All fees will be advised verbally and/or and will be included within the Statement of Price document before you incept your policypolicy and become liable to pay them. We will also make the following administration charges per policy: Reason for Charge Administration Fee Private Car New Business £50 Renewal/ Replacement £50 Mid-term Adjustment - £35.00 per occurrence £25 Cancellation (including during the 14-day Cooling Off period) £25 25.00 Our commission and fee(s) are earned on placement of your insurance. If you make a change or cancel your policy mid-term (other than in the 14-day Cooling Off period) ), which results in a return premium, we will retain all fees and any commission to cover our administration and advisory services. Due to administration constraints the minimum refund will be £10.00 on any balance due. Our fees will be clearly shown in any invoice the Statement of Price we issue to you, and we will advise you of the amount of any charge before you become liable to paying pay it. We may have arrangements with some insurers to receive additional payments reflecting the size and/or profitability of our account with them and/or in respect of work we undertake on their behalf, and we will advise you where disclose this is the caseif requested.

Remuneration and fees. In most cases we are paid by commission from the insurer but in some circumstances, we may charge you a fee instead of commission or a combination of both where we arrange policies with a low commissionboth. Where we charge a fee, this will not be liable for insurance premium tax or value added tax (insurance is a VAT exempt industry). All fees will There may be advised verbally and/or will be included within occasions when an additional fee is sought, for example upon acquisition of another company, any changes to the Statement risk that require significant further advice and placement of Price document before you incept your policyadditional coverage, the provision of additional risk management services or substantial involvement in any large, difficult or complex claims. We will also make the following individual client administration charges per policy: Reason for Charge Administration Fee Private Car New Business £50 Renewal/ Replacement £50 Mid-term Adjustment - per occurrence £25 Cancellation (including during the 14-day Cooling Off period) £25 Our commission and fee(s) are earned on placement of your insurance. If you make a change or cancel your policy mid-term (other than in the 14-day Cooling Off period) which results in a return premium, we will retain all fees and any commission to cover our administration and advisory services. Our fees will be clearly shown in any invoice we issue to you, and we We will advise you of the amount of any charge before you become liable to paying it. We have arrangements with In addition to your fee and/or commission some insurers to receive may make additional payments to us reflecting the size and/or profitability of our account with them and/or in respect of work we undertake on their behalf. You are entitled, and at any time, to request information regarding any commission which we will advise you where this is the case.may have received as a result of placing your insurance business

Remuneration and fees. In most cases we are paid by a commission from the insurer but insurer, however in some circumstances, cases we may charge you a fee instead, or a combination of both. If we charge a fee instead of commission or a combination fee and commission, we will confirm this to you in writing at the time of both where we arrange policies with a low commissionincepting or renewing your policy. Where we charge you a fee, fee this will is not be liable for insurance premium tax or value added tax (insurance is a VAT exempt industry). All fees will There may be advised verbally and/or will be included within occasions when we need to charge an additional fee, for example any changes to the Statement risk that require significant further advice, arrangement of Price document before you incept your policyadditional cover or substantial assistance provided in any large or complex claims. We will also make the following charge an administration charges fee of £35 per policy for arranging a policy: Reason , £35 per policy for Charge Administration Fee Private Car New Business renewing a policy and £50 Renewal/ Replacement £50 Mid15 per mid-term Adjustment - per occurrence £25 Cancellation (including during the 14adjustment made on any policy or mid-day Cooling Off period) £25 Our commission and fee(s) are earned on placement of your insuranceterm cancellation. If In addition, if you make a change or cancel your policy mid-term (other than in the 14-day Cooling Off period) which results in a return premium, we will retain all fees and any commission to cover our administration and advisory services. Our fees will be clearly shown in any invoice we issue to you, and we We will advise you of the amount of any charge before you become liable to paying it. We have arrangements with In addition to your fee and/or insurer commission some insurers to receive may make additional payments to us reflecting the size and/or profitability of our account with them and/or in respect of work we undertake on their behalf. You are entitled, and at any time, to request information regarding any commission which we will advise you where this is the casemay have received when placing your insurance business.

Remuneration and fees. In most cases we are paid by commission from the insurer but in some circumstances, we may charge you a fee instead of commission or a combination of both where we arrange policies with a low commissionboth. Where we charge a fee, this will not be liable for insurance premium tax or value added tax (insurance is a VAT exempt industry). All fees will There may be advised verbally and/or will be included within occasions when an additional fee is sought, for example upon acquisition of another company, any changes to the Statement risk that require significant further advice and placement of Price document before you incept your policyadditional coverage, the provision of additional risk management services or substantial involvement in any large, difficult or complex claims. We will also make the following individual client administration charges per policy: Reason for Charge Administration Fee Private Car Property Owners New Business £50 Renewal/ Replacement £50 Mid-term Adjustment - per occurrence £25 50 Cancellation (including during the 14-day Cooling Off period) £25 50 Our commission and fee(s) are earned on placement of your insurance. If you make a change or cancel your policy mid-term (other than in the 14-day Cooling Off period) which results in a return premium, we will retain all fees and any commission to cover our administration and advisory services. Our fees will be clearly shown in any invoice we issue to you, and we We will advise you of the amount of any charge before you become liable to paying it. We have arrangements with In addition to your fee and/or commission some insurers to receive may make additional payments to us reflecting the size and/or profitability of our account with them and/or in respect of work we undertake on their behalf. You are entitled, and at any time, to request information regarding any commission which we will advise you where this is the case.may have received as a result of placing your insurance business

Remuneration and fees. In most cases we are paid by commission from the insurer but in some circumstances, we may charge you a fee instead of commission or a combination of both where we arrange policies with a low commission. Where we charge a fee, this will not be liable for insurance premium tax or value added tax (insurance is a VAT exempt industry). All fees will be advised verbally and/or will be included within the Statement of Price document before you incept your policy. We will also make the following administration charges per policy: Reason for Charge Administration Fee Private Car Property Owners New Business £50 Renewal/ Replacement £50 Mid-term Adjustment - per occurrence £25 50 Cancellation (including during the 14-day Cooling Off period) £25 50 Our commission and fee(s) are earned on placement of your insurance. If you make a change or cancel your policy mid-term (other than in the 14-day Cooling Off period) which results in a return premium, we will retain all fees and any commission to cover our administration and advisory services. Our fees will be clearly shown in any invoice we issue to you, and we will advise you of the amount of any charge before you become liable to paying it. We have arrangements with some insurers to receive additional payments reflecting the size and/or profitability of our account with them and/or in respect of work we undertake on their behalf, and we will advise you where this is the case.

Remuneration and fees. In most cases we are paid by commission from the insurer but in some circumstances, we may charge you a fee instead of commission or a combination of both where we arrange policies with a low commission. Where we charge a fee, this will not be liable for insurance premium tax or value added tax (insurance is a VAT exempt industry). All fees will be advised verbally and/or will be included within the Statement of Price document before you incept your policy. We will also make the following administration charges per policy: Reason for Charge Administration Fee Private Car Commercial Combined New Business £50 Renewal/ Replacement £50 Mid-term Adjustment - per occurrence £25 0 Cancellation (including during the 14-day Cooling Off period) £25 0 Our commission and fee(s) are earned on placement of your insurance. If you make a change or cancel your policy mid-term (other than in the 14-day Cooling Off period) which results in a return premium, we will retain all fees and any commission to cover our administration and advisory services. Our fees will be clearly shown in any invoice we issue to you, and we will advise you of the amount of any charge before you become liable to paying it. We have arrangements with some insurers to receive additional payments reflecting the size and/or profitability of our account with them and/or in respect of work we undertake on their behalf, and we will advise you where this is the case.

Remuneration and fees. In most cases we are paid by commission from the insurer but in some circumstances, we may charge you a fee instead of commission or a combination of both where we arrange policies with a low commissionboth. Where we charge a fee, this will not be liable for insurance premium tax or value added tax (insurance is a VAT exempt industry). All fees will There may be advised verbally and/or will be included within occasions when an additional fee is sought, for example upon acquisition of another company, any changes to the Statement risk that require significant further advice and placement of Price document before you incept your policyadditional coverage, the provision of additional risk management services or substantial involvement in any large, difficult or complex claims. We will also make the following individual client administration charges per policy: Reason for Charge Administration Fee Private Car New Business £50 45 Renewal/ Replacement £50 45 Mid-term Adjustment - per occurrence £25 45 Cancellation (including during the 14-day Cooling Off period) £25 45 Our commission and fee(s) are earned on placement of your insurance. If you make a change or cancel your policy mid-term (other than in the 14-day Cooling Off period) which results in a return premium, we will retain all fees and any commission to cover our administration and advisory services. Our fees will be clearly shown in any invoice we issue to you, and we We will advise you of the amount of any charge before you become liable to paying it. We have arrangements with In addition to your fee and/or commission some insurers to receive may make additional payments to us reflecting the size and/or profitability of our account with them and/or in respect of work we undertake on their behalf. You are entitled, and at any time, to request information regarding any commission which we will advise you where this is the case.may have received as a result of placing your insurance business

Remuneration and fees. In most cases we are paid by a commission from the insurer but insurer, however in some circumstances, cases we may charge you a fee instead, or a combination of both. If we charge a fee instead of commission or a combination fee and commission, we will confirm this to you in writing at the time of both where we arrange policies with a low commissionincepting or renewing your policy. Where we charge you a fee, fee this will is not be liable for insurance premium tax or value added tax (insurance is a VAT exempt industry). All fees will There may be advised verbally and/or will be included within occasions when we need to charge an additional fee, for example any changes to the Statement risk that require significant further advice, arrangement of Price document before you incept your policyadditional cover or substantial assistance provided in any large or complex claims. We will also make the following charge an administration charges per policy: Reason for Charge Administration Fee Private Car New Business fee of £50 Renewal/ Replacement per policy for arranging a policy, £50 Midper policy for renewing a policy and £25 per mid-term Adjustment - per occurrence £25 Cancellation (including during the 14adjustment made on any policy or mid-day Cooling Off period) £25 Our commission and fee(s) are earned on placement of your insuranceterm cancellation. If In addition, if you make a change or cancel your policy mid-term (other than in the 14-day Cooling Off period) which results in a return premium, we will retain all fees and any commission to cover our administration and advisory services. Our fees will be clearly shown in any invoice we issue to you, and we We will advise you of the amount of any charge before you become liable to paying it. We have arrangements with In addition to your fee and/or insurer commission some insurers to receive may make additional payments to us reflecting the size and/or profitability of our account with them and/or in respect of work we undertake on their behalf. You are entitled, and at any time, to request information regarding any commission which we will advise you where this is the casemay have received when placing your insurance business.

Remuneration and fees. In most cases we are paid by commission from the insurer but in some circumstances, we may charge you a fee instead of commission or a combination of both where we arrange policies with a low commissionboth. Where we charge a fee, this will not be liable for insurance premium tax or value added tax (insurance is a VAT exempt industry). All fees will There may be advised verbally and/or will be included within occasions when an additional fee is sought, for example upon acquisition of another company, any changes to the Statement risk that require significant further advice and placement of Price document before you incept your policyadditional coverage, the provision of additional risk management services or substantial involvement in any large, difficult or complex claims. We will also make the following individual client administration charges per policy: Reason for Charge Administration Fee Private Car Property Owners New Business £50 Renewal/ Replacement £50 Mid-term Adjustment - per occurrence £25 Cancellation (including during the 14-day Cooling Off period) £25 Our commission and fee(s) are earned on placement of your insurance. If you make a change or cancel your policy mid-term (other than in the 14-day Cooling Off period) which results in a return premium, we will retain all fees and any commission to cover our administration and advisory services. Our fees will be clearly shown in any invoice we issue to you, and we We will advise you of the amount of any charge before you become liable to paying it. We have arrangements with In addition to your fee and/or commission some insurers to receive may make additional payments to us reflecting the size and/or profitability of our account with them and/or in respect of work we undertake on their behalf. You are entitled, and at any time, to request information regarding any commission which we will advise you where this is the case.may have received as a result of placing your insurance business

Remuneration and fees. In most cases we are paid by commission from the insurer but in some circumstances, we may charge you a fee instead of commission or a combination of both where we arrange policies with a low commission. Where we charge a fee, this will not be liable for insurance premium tax or value added tax (insurance is a VAT exempt industry). All fees will be advised verbally and/or will be included within the Statement of Price document before you incept your policy. We will also make the following administration charges per policy: Reason for Charge Administration Fee Private Car Property Owners New Business £50 Renewal/ Replacement £50 Mid-term Adjustment - per occurrence £25 Cancellation (including during the 14-day Cooling Off period) £25 Our commission and fee(s) are earned on placement of your insurance. If you make a change or cancel your policy mid-term (other than in the 14-day Cooling Off period) which results in a return premium, we will retain all fees and any commission to cover our administration and advisory services. Our fees will be clearly shown in any invoice we issue to you, and we will advise you of the amount of any charge before you become liable to paying it. We have arrangements with some insurers to receive additional payments reflecting the size and/or profitability of our account with them and/or in respect of work we undertake on their behalf, and we will advise you where this is the case.

Remuneration and fees. In most cases we are paid by commission from the insurer but in some circumstances, we may charge you a fee instead of commission or a combination of both where we arrange policies with a low commission. Where we charge a fee, this will not be liable for insurance premium tax or value added tax (insurance is a VAT exempt industry). All fees will be advised verbally and/or will be included within the Statement of Price document before you incept your policy. We will also make the following administration charges per policy: Reason for Charge Administration Fee Private Car New Business £50 45 Renewal/ Replacement £50 45 Mid-term Adjustment - per occurrence £25 45 Cancellation (including during the 14-day Cooling Off period) £25 45 Our commission and fee(s) are earned on placement of your insurance. If you make a change or cancel your policy mid-term (other than in the 14-day Cooling Off period) which results in a return premium, we will retain all fees and any commission to cover our administration and advisory services. Our fees will be clearly shown in any invoice we issue to you, and we will advise you of the amount of any charge before you become liable to paying it. We have arrangements with some insurers to receive additional payments reflecting the size and/or profitability of our account with them and/or in respect of work we undertake on their behalf, and we will advise you where this is the case.

Remuneration and fees. In most cases we are paid by commission from the insurer insurer, but in some circumstances, circumstances we may charge you a fee instead of commission or a combination of both where we arrange policies with a low commissionboth, in which case this will be confirmed to you in writing at the time of incepting or renewing your policy. Where we charge a fee, fee this will not be liable for insurance premium tax or value added tax (insurance is a VAT exempt industry). All fees will There may be advised verbally and/or will be included within occasions when an additional fee is sought, for example any changes to the Statement risk that require significant further advice and placement of Price document before you incept your policyadditional coverage or substantial involvement in any large, difficult or complex claims. We will also make the following individual client administration charges per policy: Reason for Charge Administration Fee Private Car New Business of £50 Renewal/ Replacement per policy for arranging a policy, £50 Midper policy for renewing a policy and £30.00 per policy to cover mid-term Adjustment - adjustments, short period or mid-term cancellations (up to a maximum of £500.00 per occurrence £25 Cancellation (including during the 14-day Cooling Off period) £25 Our commission and fee(s) are earned on placement of your insuranceclient per year). If In addition, if you make a change or cancel your policy mid-term (other than in the 14-day Cooling Off period) which results in a return premium, we will retain all fees and any commission to cover our administration and advisory services. Our fees will be clearly shown in any invoice we issue to you, and we We will advise you of the amount of any charge before you become liable to paying it. We have arrangements with In addition to your fee and/or commission some insurers to receive may make additional payments to us reflecting the size and/or profitability of our account with them and/or in respect of work we undertake on their behalf. You are entitled, and at any time, to request information regarding any commission which we will advise you where this is the casemay have received as a result of placing your insurance business.

Remuneration and fees. In most cases we are paid by commission from the insurer but in some circumstances, we may charge you a fee instead of commission or a combination of both where we arrange policies with a low commission. Where we charge a fee, this will not be liable for insurance premium tax or value added tax (insurance is a VAT exempt industry). All fees will be advised verbally and/or will be included within the Statement of Price document before you incept your policy. We will also make the following administration charges per policy: Reason for Charge Administration Fee Private Car New Business £50 35 Renewal/ Replacement £50 35 Mid-term Adjustment - per occurrence £25 10 Cancellation (including during the 14-day Cooling Off period) £25 Our commission and fee(s) are earned on placement of your insurance. If you make a change or cancel your policy mid-term (other than in the 14-day Cooling Off period) which results in a return premium, we will retain all fees and any commission to cover our administration and advisory services. Our fees will be clearly shown in any invoice we issue to you, and we will advise you of the amount of any charge before you become liable to paying it. We have arrangements with some insurers to receive additional payments reflecting the size and/or profitability of our account with them and/or in respect of work we undertake on their behalf, and we will advise you where this is the case.

Remuneration and fees. In most cases we are paid by commission from the insurer but in some circumstances, we may charge you a fee instead of commission or a combination of both where we arrange policies with a low commissionboth. Where we charge a fee, this will not be liable for insurance premium tax or value added tax (insurance is a VAT exempt industry). All fees will There may be advised verbally and/or will be included within occasions when an additional fee is sought, for example upon acquisition of another company, any changes to the Statement risk that require significant further advice and placement of Price document before you incept your policyadditional coverage, the provision of additional risk management services or substantial involvement in any large, difficult or complex claims. We will also make the following individual client administration charges per policy: Reason for Charge Administration Fee Private Car New Business £50 35 Renewal/ Replacement £50 35 Mid-term Adjustment - per occurrence £25 10 Cancellation (including during the 14-day Cooling Off period) £25 Our commission and fee(s) are earned on placement of your insurance. If you make a change or cancel your policy mid-term (other than in the 14-day Cooling Off period) which results in a return premium, we will retain all fees and any commission to cover our administration and advisory services. Our fees will be clearly shown in any invoice we issue to you, and we We will advise you of the amount of any charge before you become liable to paying it. We have arrangements with In addition to your fee and/or commission some insurers to receive may make additional payments to us reflecting the size and/or profitability of our account with them and/or in respect of work we undertake on their behalf. You are entitled, and at any time, to request information regarding any commission which we will advise you where this is the case.may have received as a result of placing your insurance business

Remuneration and fees. In most cases we are paid by commission from the insurer insurer, but in some circumstances, circumstances we may charge you a fee instead of commission or a combination of both where we arrange policies with a low commissionboth, in which case this will be confirmed to you in writing at the time of incepting or renewing your policy. Where we charge a fee, fee this will not be liable for insurance premium tax or value added tax (insurance is a VAT exempt industry). All fees will There may be advised verbally and/or will be included within occasions when an additional fee is sought, for example any changes to the Statement risk that require significant further advice and placement of Price document before you incept your policyadditional coverage or substantial involvement in any large, difficult or complex claims. We will also make the following individual client administration charges per of £35per policy for arranging a policy: Reason , £35per policy for Charge Administration Fee Private Car New Business renewing a policy and £50 Renewal/ Replacement £50 Mid35per policy to cover mid-term Adjustment - adjustments, short period or mid-term cancellations (up to a maximum of £350 per occurrence £25 Cancellation (including during the 14-day Cooling Off period) £25 Our commission and fee(s) are earned on placement of your insuranceclient per year). If In addition, if you make a change or cancel your policy mid-term (other than in the 14-day Cooling Off period) which results in a return premium, we will retain all fees and any commission to cover our administration and advisory services. Our fees will be clearly shown in any invoice we issue to you, and we We will advise you of the amount of any charge before you become liable to paying it. We have arrangements with In addition to your fee and/or commission some insurers to receive may make additional payments to us reflecting the size and/or profitability of our account with them and/or in respect of work we undertake on their behalf. You are entitled, and at any time, to request information regarding any commission which we will advise you where this is the casemay have received as a result of placing your insurance business.

Remuneration and fees. In most cases we are paid by commission from the insurer insurer, but in some circumstances, circumstances we may charge you a fee instead of commission or a combination of both where we arrange policies with a low commissionboth, in which case this will be confirmed to you in writing at the time of incepting or renewing your policy. Where we charge a fee, fee this will not be liable for insurance premium tax or value added tax (insurance is a VAT exempt industry). All fees will There may be advised verbally and/or will be included within occasions when an additional fee is sought, for example any changes to the Statement risk that require significant further advice and placement of Price document before you incept your policyadditional coverage or substantial involvement in any large, difficult or complex claims. We will also make the following individual client administration charges of £35 per policy for arranging a policy: Reason , £35 per policy for Charge Administration Fee Private Car New Business renewing a policy and £50 Renewal/ Replacement £50 Mid35 per policy to cover mid-term Adjustment - adjustments, short period or mid-term cancellations (up to a maximum of £350 per occurrence £25 Cancellation (including during the 14-day Cooling Off period) £25 Our commission and fee(s) are earned on placement of your insuranceclient per year). If In addition, if you make a change or cancel your policy mid-term (other than in the 14-day Cooling Off period) which results in a return premium, we will retain all fees and any commission to cover our administration and advisory services. Our fees will be clearly shown in any invoice we issue to you, and we We will advise you of the amount of any charge before you become liable to paying it. We have arrangements with In addition to your fee and/or commission some insurers to receive may make additional payments to us reflecting the size and/or profitability of our account with them and/or in respect of work we undertake on their behalf. You are entitled, and at any time, to request information regarding any commission which we will advise you where this is the casemay have received as a result of placing your insurance business.

Remuneration and fees. In most cases we are paid by commission from the insurer but in some circumstances, we may charge you a fee instead of commission or a combination of both where we arrange policies with a low commissionboth. Where we charge a fee, this will not be liable for insurance premium tax or value added tax (insurance is a VAT exempt industry). All fees will There may be advised verbally and/or will be included within occasions when an additional fee is sought, for example upon acquisition of another company, any changes to the Statement risk that require significant further advice and placement of Price document before you incept your policyadditional coverage, the provision of additional risk management services or substantial involvement in any large, difficult or complex claims. We will also make the following individual client administration charges per policy: Reason for Charge Administration Fee Private Car Commercial Combined New Business £50 Renewal/ Replacement £50 Mid-term Adjustment - per occurrence £25 0 Cancellation (including during the 14-day Cooling Off period) £25 0 Our commission and fee(s) are earned on placement of your insurance. If you make a change or cancel your policy mid-term (other than in the 14-day Cooling Off period) which results in a return premium, we will retain all fees and any commission to cover our administration and advisory services. Our fees will be clearly shown in any invoice we issue to you, and we We will advise you of the amount of any charge before you become liable to paying it. We have arrangements with In addition to your fee and/or commission some insurers to receive may make additional payments to us reflecting the size and/or profitability of our account with them and/or in respect of work we undertake on their behalf. You are entitled, and at any time, to request information regarding any commission which we will advise you where this is the case.may have received as a result of placing your insurance business