Common use of Renewal of Your Policy Clause in Contracts

Renewal of Your Policy. When your insurance policy is due for renewal, we will negotiate terms with your current insurance company up to 30 days ahead. All renewal invitations will be sent to you by email whenever possible (unless requested otherwise or we do not hold a valid email address) to the email address we have on record. If you require us to use an alternative email address or require a postal renewal invitation please contact us, and we will make those relevant changes/requests immediately free of charge. If we are unable to offer you renewal terms with your current insurer, we will contact you in advance to notify you. We will always look at offering alternative insurance providers whenever possible. Cancellation of Your Policy Once we have arranged your insurance cover and processed your policy documentation you have a statutory right to cancel this insurance within the initial period of 14 days, you will be charged an initial Time on Risk charge applied by the insurer and we will charge our Administration Fee as confirmed within our Fee Table. If you wish to cancel after this period, you will be charged for each day you have had on cover as well as any charges applied by your insurer, and we will charge our Cancellation Fee as confirmed within the Fees Table. Our commission and/or fees are fully earned from the 15th Day of your insurance cover commencement date and may not therefore be refunded in the event of cancellation or early termination of your policy. This includes cancellation or voidance instructions made by your Insurance Company. All return premiums are subject to no claims being made. If a claim is made on the policy, no refund is due. If your insurer makes a full recovery of their losses following a claim a refund of premium may be due. Confirmation will be sent to you in writing either by email or postal dependant on your correspondence choices. All return premiums will be refunded to you within 30 days of the cancellation date. All refunds will be returned to the Credit/Debit card used to initially purchase the policy. If you used a Third Party’s Credit/Debit Card to purchase the policy please arrange with them to return the monies, as we will return the money back to their card. If you wish to cancel your policy, please call or email us and we’ll deal with your request accordingly. If we are required to cancel your insurance policy, we will provide you with 7-days’ notice of that intention. This will by telephone, email (to the email address we have on file) or postal (to the correspondence address we hold on file). If we do confirm by telephone, we will always provide the cancellation notice by durable medium to one of the means confirmed above. Additional Products, All Additional Products purchased alongside your Insurance Policy can be cancelled within your statutory 14 days cancellation period and a full refund will be issued. All additional products are non-refundable after this period. Paying by Instalments When applying for a loan to facilitate payment of your premium by our third-party instalment facility, your application for credit will be passed to the credit provider, who when assessing your application will search information held by a credit reference agency about you. These checks will include the electoral roll and credit information. The credit reference agency will add details of the search and your application to your credit file. This type of check may affect your credit score as it does leave a mark on your credit file which prospective lenders will consider when assessing your eligibility for future credit. Fraud Detection and Prevention There may be occasions when we are required to share information with other Third Parties to prevent Financial Crime and Fraud. Third Parties include Insurance Companies, Local and National Authorities, Public Bodies including the Police and Fraud Detection Agencies. We may also be requested to share information with other countries for the purpose of Fraud prevention.

Renewal of Your Policy. When your insurance policy is due for renewal, we will negotiate terms with your current insurance company up to 30 days ahead. All renewal invitations will be sent to you by email whenever possible (unless requested otherwise or we do not hold a valid email address) to the email address we have on record. If you require us to use an alternative email address or require a postal renewal invitation please contact us, and we will make those relevant changes/requests immediately free of charge. If we are unable to offer you renewal terms with your current insurer, we will contact you in advance to notify you. We will always look at offering alternative insurance providers whenever possible. Cancellation of Your Policy Once we have arranged your insurance cover and processed your policy documentation you have a statutory right to cancel this insurance within the initial period of 14 days, you will be charged charge an initial Time on Risk charge applied by the insurer and we will charge our Administration Fee as confirmed within our Fee Table. If you wish to cancel after this period, you will be charged for each day you have had on cover as well as any charges applied by your insurer, insurer and we will charge our Cancellation Fee as confirmed within the Fees Table. Our commission and/or fees are fully earned from the 15th Day of date that your insurance cover commencement date commences and may not therefore be refunded in the event of cancellation or early termination of your policy. This includes cancellation or voidance instructions made by your Insurance Company. All return premiums are subject to no claims being made. If a claim is made on the policy, no refund is due. If your insurer makes a full recovery of their losses following a claim a refund of premium may be due. Confirmation will be sent to you in writing either by email or postal dependant on your correspondence choices. All return premiums will be refunded to you within 30 days of the cancellation date. All refunds will be returned back to the Credit/Debit card used to initially purchase the policy. If you used a Third Party’s Credit/Debit Card to purchase the policy please arrange with them to return the monies, as we will return the money back to their card. If you wish to cancel your policy, please call or email us and we’ll deal with your request accordingly. If we are required to cancel your insurance policy, we will provide you with 7-days’ notice of that intention. This will by telephone, email (to the email address we have on file) or postal (to the correspondence address we have hold on file). If we do confirm by telephone, we will always provide the cancellation notice by durable medium to one of the means confirmed above. Additional Products, All Additional Products purchased alongside your Insurance Policy can be cancelled within your statutory 14 days cancellation period and a full refund will be issued. All additional products are non-refundable after this period. Paying by Instalments When applying for a loan to facilitate payment of your premium by our third-party instalment facility, your application for credit will be passed to the credit provider, who when assessing your application will search information held by a credit reference agency about you. These checks will include the electoral roll and credit information. The credit reference agency will add details of the search and your application to your credit file. This type of check may affect your credit score as it does leave a mark xxxx on your credit file which prospective lenders will consider when assessing your eligibility for future credit. Fraud Detection and Prevention There may be occasions when we are required to share information with other Third Parties to prevent Financial Crime and Fraud. Third Parties include Insurance Companies, Local and National Authorities, Public Bodies including the Police and Fraud Detection Agencies. We may also be requested to share information with other countries for the purpose of Fraud prevention.

Renewal of Your Policy. When your insurance policy is due for renewal, we will negotiate terms with your current insurance company up to 30 days ahead. All renewal invitations will be sent to you by email whenever possible (unless requested otherwise or we do not hold a valid email address) to the email address we have on record. If you require us to use an alternative email address or require a postal renewal invitation please contact us, and we will make those relevant changes/requests immediately free of charge. If we are unable to offer you renewal terms with your current insurer, we will contact you in advance to notify you. We will always look at offering alternative insurance providers whenever possible. Cancellation of Your Policy Once we have arranged your insurance cover and processed your policy documentation you have a statutory right to cancel this insurance within the initial period of 14 days, you will be charged an initial Time on Risk charge change applied by the insurer and we will charge our Administration Cancellation Fee as confirmed within our Fee Table. If you wish to cancel after this period, you will be charged for each day you have had on cover as well as any charges applied by your insurer, and we will charge our Cancellation Fee as confirmed within the Fees Table. Our commission and/or fees are fully earned from the 15th Day of your insurance cover commencement date and may not therefore be refunded in the event of cancellation or early termination of your policy. This includes cancellation or voidance instructions made by your Insurance Company. All return premiums are subject to no claims being made. If a claim is made on the policy, no refund is due. If your insurer makes a full recovery of their losses following a claim a refund of premium may be due. Confirmation will be sent to you in writing either by email or postal dependant on your correspondence choices. All return premiums will be refunded to you within 30 days of the cancellation date. All refunds will be returned to the Credit/Debit card used to initially purchase the policy. If you used a Third Party’s Credit/Debit Card to purchase the policy please arrange with them to return the monies, as we will return the money back to their card. If you wish to cancel your policy, please call or email us and we’ll deal with your request accordingly. If we are required to cancel your insurance policy, we will provide you with 7-days’ notice of that intention. This will by telephone, email (to the email address we have on file) or postal (to the correspondence address we have hold on file). If we do confirm by telephone, we will always provide the cancellation notice by durable medium to one of the means confirmed above. Additional Products, All Additional Products purchased alongside your Insurance Policy can be cancelled within your statutory 14 days cancellation period and a full refund will be issued. All additional products are non-refundable after this period. Paying by Instalments When applying for a loan to facilitate payment of your premium by our third-party instalment facility, your application for credit will be passed to the credit provider, who when assessing your application will search information held by a credit reference agency about you. These checks will include the electoral roll and credit information. The credit reference agency will add details of the search and your application to your credit file. This type of check may affect your credit score as it does leave a mark on your credit file which prospective lenders will consider when assessing your eligibility for future credit. Fraud Detection and Prevention There may be occasions when we are required to share information with other Third Parties to prevent Financial Crime and Fraud. Third Parties include Insurance Companies, Local and National Authorities, Public Bodies including the Police and Fraud Detection Agencies. We may also be requested to share information with other countries for the purpose of Fraud prevention.

Renewal of Your Policy. When your insurance policy is due for renewal, we will negotiate terms with your current insurance company up to 30 days ahead. All renewal invitations will be sent to you by email whenever possible (unless requested otherwise or we do not hold a valid email address) to the email address we have on record. If you require us to use an alternative email address or require a postal renewal invitation please contact us, and we will make those relevant changes/requests immediately free of charge. If we are unable to offer you renewal terms with your current insurer, we will contact you in advance to notify you. We will always look at offering alternative insurance providers whenever possible. Cancellation of Your Policy Once we have arranged your insurance cover and processed your policy documentation you have a statutory right to cancel this insurance within the initial period of 14 days, you will be charged an initial Time on Risk charge applied by the insurer and we will charge our Administration Fee as confirmed within our Fee Table. If you wish to cancel after this period, you will be charged for each day you have had on cover as well as any charges applied by your insurer, and we will charge our Cancellation Fee as confirmed within the Fees Table. Our commission and/or fees are fully earned from the 15th Day of your insurance cover commencement date and may not therefore be refunded in the event of cancellation or early termination of your policy. This includes cancellation or voidance instructions made by your Insurance Company. All return premiums are subject to no claims being made. If a claim is made on the policy, no refund is due. If your insurer makes a full recovery of their losses following a claim a refund of premium may be due. Confirmation will be sent to you in writing either by email or postal dependant on your correspondence choices. All return premiums will be refunded to you within 30 days of the cancellation date. All refunds will be returned to the Credit/Debit card used to initially purchase the policy. If you used a Third Party’s Credit/Debit Card to purchase the policy please arrange with them to return the monies, as we will return the money back to their card. If you wish to cancel your policy, please call or email us and we’ll deal with your request accordingly. If we are required to cancel your insurance policy, we will provide you with 7-days’ notice of that intention. This will by telephone, email (to the email address we have on file) or postal (to the correspondence address we hold on file). If we do confirm by telephone, we will always provide the cancellation notice by durable medium to one of the means confirmed above. Additional Products, All Additional Products purchased alongside your Insurance Policy can be cancelled within your statutory 14 days cancellation period and a full refund will be issued. All additional products are non-refundable after this period. Paying by Instalments When applying for a loan to facilitate payment of your premium by our third-party instalment facility, your application for credit will be passed to the credit provider, who when assessing your application will search information held by a credit reference agency about you. These checks will include the electoral roll and credit information. The credit reference agency will add details of the search and your application to your credit file. This type of check may affect your credit score as it does leave a mark xxxx on your credit file which prospective lenders will consider when assessing your eligibility for future credit. Fraud Detection and Prevention There may be occasions when we are required to share information with other Third Parties to prevent Financial Crime and Fraud. Third Parties include Insurance Companies, Local and National Authorities, Public Bodies including the Police and Fraud Detection Agencies. We may also be requested to share information with other countries for the purpose of Fraud prevention.

Renewal of Your Policy. When your insurance policy is due for renewal, we will negotiate terms with your current currently insurance company up to 30 days ahead. All renewal invitations will be sent to you by email whenever possible (unless requested otherwise or we do not hold a valid email address) to the email address we have on record. If you require us to use an alternative email address or require a postal renewal invitation please contact us, and we will make those relevant changes/requests immediately free of charge. If we are unable to offer you renewal terms with your current insurer, we will contact you in advance to notify you. We will always look at offering alternative insurance providers whenever possible. Cancellation of Your Policy Once we have arranged your insurance cover and processed your policy documentation you have a statutory right to cancel this insurance within the initial period of 14 days, you will be charged charge an initial Time on Risk charge change applied by the insurer and we will charge our Administration Cancellation Fee as confirmed within our Fee Table. If you wish to cancel after this period, you will be charged for each day you have had on cover as well as any charges applied by your insurer, insurer and we will charge our Cancellation Fee as confirmed within the Fees Table. Our commission and/or fees are fully earned from the 15th Day of date that your insurance cover commencement date commences and may not therefore be refunded in the event of cancellation or early termination of your policy. This includes cancellation or voidance instructions made by your Insurance Company. All return premiums are subject to no claims being made. If a claim is made on the policy, no refund is due. If your insurer makes a full recovery of their losses following a claim a refund of premium may be due. Confirmation will be sent to you in writing either by email or postal dependant on your correspondence choices. All return premiums will be refunded to you within 30 days of the cancellation date. All refunds will be returned back to the Credit/Debit card used to initially purchase the policy. If you used a Third Party’s Credit/Debit Card to purchase the policy please arrange with them to return the monies, as we will return the money back to their card. If you wish to cancel your policy, please call or email us and we’ll deal with your request accordingly. If we are required to cancel your insurance policy, we will provide you with 7-days’ notice of that intention. This will by telephone, email (to the email address we have on file) or postal (to the correspondence address we have hold on file). If we do confirm by telephone, we will always provide the cancellation notice by durable medium to one of the means confirmed above. Additional Products, All Additional Products purchased alongside your Insurance Policy can be cancelled within your statutory 14 days cancellation period and a full refund will be issued. All additional products are non-refundable after this period. Paying by Instalments When applying for a loan to facilitate payment of your premium by our third-party instalment facility, your application for credit will be passed to the credit provider, who when assessing your application will search information held by a credit reference agency about you. These checks will include the electoral roll and credit information. The credit reference agency will add details of the search and your application to your credit file. This type of check may affect your credit score as it does leave a mark on your credit file which prospective lenders will consider when assessing your eligibility for future credit. Fraud Detection and Prevention There may be occasions when we are required to share information with other Third Parties to prevent Financial Crime and Fraud. Third Parties include Insurance Companies, Local and National Authorities, Public Bodies including the Police and Fraud Detection Agencies. We may also be requested to share information with other countries for the purpose of Fraud prevention.