Common use of PROTECTING YOUR INFORMATION Clause in Contracts

PROTECTING YOUR INFORMATION. We take your privacy extremely seriously and we will only use your personal details in line with our Privacy Notice. Please read our Privacy Notice carefully and contact us immediately if you have any queries. Where necessary, for example where we would like to use your data for some marketing purposes, we shall ask for your specific consent to do so. Your personal information includes all of the details you have given us to process your insurance policy (we will not ask for more information than is necessary). We may share your data with Third Parties for the provision and ongoing performance of your insurance policy. Your data may be transferred outside the UK. We will not sell, rent or trade your data under any circumstances. All of the personal information you supply to us will be handled strictly in accordance with the applicable Data Protection regulations and legislation. HOW TO CLAIM Please refer to your policy document if you need to notify a claim. You should contact us or the insurer direct as soon as you become aware of any incident which could give rise to a claim. If in doubt about whom you should contact, or if you require our assistance in relation to a claim or potential claim please contact us. FEES AND CHARGES We may charge you for the work incurred in handling your insurances. These charges apply if you instruct us to arrange insurance, carry out a mid-term adjustment, renewal, cancellation or other work on your behalf. Any additional charges, if applicable, will always be agreed with you in advance of them becoming due. • New business: £25.00/€40.00/USD50.00/NZD50.00 • Mid-term amendments: £15.00/€25.00/USD35.00/NZD35.00 • Cancellations: £50.00/€85.00/USD100.00/NZD100.00 • Renewals: £25.00/€40.00/USD50.00/NZD50.00 • Credit/International Card charges: In respect of premium originating from outside of Europe 2% of premium including fee (All fees and charges in currency equivalent, per xx.xxx, if not stated above) The insurer or wholesale broker may charge their own fee, which will be disclosed to you within the policy documents. If you pay your premium by instalments we shall inform you of any additional fees, charges or interest as part of your credit arrangements.

PROTECTING YOUR INFORMATION. We take your privacy extremely seriously and we will only use your personal details in line with our Privacy Notice. Please read our Privacy Notice carefully and contact us immediately if you have any queries. Where necessary, for example where we would like to use your data for some marketing purposes, we shall ask for your specific consent to do so. Your personal information includes all of the details you have given us to process your insurance policy (we will not ask for more information than is necessary). We may share your data with Third Parties for the provision and ongoing performance of your insurance policy. Your data may be transferred outside the UK. We will not sell, rent or trade your data under any circumstances. All of the personal information you supply to us will be handled strictly in accordance with the applicable Data Protection regulations and legislation. HOW TO CLAIM Please refer to your policy document if you need to notify a claim. You should contact us or the insurer direct as soon as you become aware of any incident which could give rise to a claim. If in doubt about whom you should contact, or if you require our assistance in relation to a claim or potential claim please contact us. FEES AND CHARGES We may charge you for the work incurred in handling your insurances. These charges apply if you instruct us to arrange insurance, carry out a mid-term adjustment, renewal, cancellation or other work on your behalf. Any additional charges, if applicable, will always be agreed with you in advance of them becoming due. YACHTSMAN’S & TALL SHIPS TRAVEL INSURANCE • New business: £25.00/€40.005.00/USD50.00/NZD50.00 NZD10.00 • Mid-term amendments: £15.00/€25.005.00/USD35.00/NZD35.00 NZD10.00 • Cancellations: £50.00/€85.0010.00/USD100.00/NZD100.00 NZD20.00 • Renewals: £25.00/€40.005.00/USD50.00/NZD50.00 NZD10.00 • Credit/International Card charges: In respect of premium originating from outside of Europe 2% of premium including fee (All fees and charges in currency equivalent, per xx.xxx, if not stated above) The insurer or wholesale broker may charge their own fee, which will be disclosed to you within the policy documents. If you pay your premium by instalments we shall inform you of any additional fees, charges or interest as part of your credit arrangements.Europe

PROTECTING YOUR INFORMATION. All personal information about you will be treated as private and confidential (even when you are no longer a customer) except where the disclosure is made at your request or with your consent or where we are required by law to disclose it. We take your privacy extremely seriously and we will only use your personal details information in line with our Privacy Noticerelation to setting up and administering your insurance and any related credit arrangements. Please read our Privacy Notice carefully and contact us immediately if you have any queries. Where necessary, for example where we would like to use your data for some marketing purposes, we shall ask for your specific consent to do so. Your personal information includes Some or all of the details you have given us to process your insurance policy (we will not ask for more information than is necessary). We may share your data with Third Parties for the provision and ongoing performance of your insurance policy. Your data may be transferred outside the UK. We will not sell, rent or trade your data under any circumstances. All of the personal information you supply to us in connection with your insurance proposal or application for credit may be passed to insurance and other companies for underwriting, claims and premium collection purposes. Your data will be handled strictly held in accordance with the applicable Data Protection regulations Act 1998, under which you have a right of access to see personal information about you that is held in our records, whether electronically or manually. If you have any queries, please contact us. We and/or the insurers and/or credit providers may use publicly available data from a variety of sources, including credit reference agencies and legislationother external organisations to verify your identity or creditworthiness, to avoid fraud, and to obtain beneficial quotes and payment options on your behalf. HOW TO CLAIM Each of the searches may appear on your credit report whether or not your application proceeds. By accepting these terms and conditions you agree to these uses of your information. How to claim Please refer to your policy summary or your policy document if you need to notify a claim. You should contact us or the insurer direct as soon as you become aware of any incident which could give rise to a claim. If in doubt about whom you should contact, or if you require our assistance in relation to a claim or potential claim please contact us. FEES AND CHARGES We may charge you Fees and charges Please refer to our tariff of administration charges for the work incurred in handling your insurancesfees payable under this Terms of Business Agreement. These charges apply if you instruct us to arrange insurance, carry out a mid-term adjustment, renewal, cancellation or other work on your behalf. Any additional charges, if applicable, will always be agreed with you in advance of them becoming due. • New business: £25.00/€40.00/USD50.00/NZD50.00 • Mid-term amendments: £15.00/€25.00/USD35.00/NZD35.00 • Cancellations: £50.00/€85.00/USD100.00/NZD100.00 • Renewals: £25.00/€40.00/USD50.00/NZD50.00 • Credit/International Card charges: In respect of premium originating from outside of Europe 2% of premium including fee (All fees and charges in currency equivalent, per xx.xxx, if not stated above) The insurer or wholesale broker may charge their own fee, which will be disclosed to you within the policy documents. If you pay your premium by instalments we shall inform you of any additional fees, charges or interest as part of your credit arrangements. Our earnings You are entitled, at any time, to request information regarding any commission which we may have received as a result of placing your insurance business or arranging premium finance. Protecting your money Prior to your premium being forwarded to the insurer (or forwarded to you in the event of a premium refund) we hold your money as an agent of the insurer with which we arrange your insurance. Where we hold premium as the agent of the insurer it is regarded as received by the insurer. We may transfer your premiums to the insurer through another party, such as a broker or underwriting agent for the purposes of effecting a transaction. By accepting this Terms of Business Agreement, you are giving your consent for us to treat your money in this way. Please notify us immediately if you have any objection or query. Complaints It is our intention to provide a high level of service at all times. However if you have reason to make a complaint about our service you should contact us immediately using the contact details on the first page of this document Xxxxxx Xxxxxxx Director email xxxxxxxxxxxxx@xxxxxxxxxxxxxxxxx.xx.xx 01225 707575 You may be entitled to refer the matter subsequently to the Financial Ombudsman Service. You can contact the Financial Ombudsman Service by telephone on 0000 0 000 000 and further information is available at xxxx://xxx.xxxxxxxxx-xxxxxxxxx.xxx.xx/. If you do decide to refer any matter to the Financial Ombudsman Service your legal rights will not be affected. We will provide a summary of our complaints handling procedures should you make a complaint which we cannot resolve informally and at any other time, upon your request. Compensation arrangements We are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 90% of the claim, without any upper limit. For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim, also without any upper limit. The compensation scheme does not apply to consumer credit. Further information about compensation scheme arrangements is available from the FSCS on 0800 678 1100 or 020 7741 4100 or by visiting xxxx://xxx.xxxx.xxx.xx/ Money laundering/Proceeds of crime We are obliged to report to the National Crime Agency any suspicion of money laundering or terrorist financing activity and we are prohibited from disclosing any such report. Adequacy of insurance values It is the responsibility of the insured to ensure that all sums insured and policy limits are adequate. Whilst we seek to assist in establishing and maintaining insured values and indemnity limits we cannot accept responsibility for their accuracy. It is strongly recommended that the appropriate Professional (e.g. Surveyor/Accountant) be consulted to ensure that the sums insured and limits under the policy are suitable. Conflicts of interest As insurance brokers we generally act as your agent in advising you, arranging your insurance and assisting you in the event of a claim. In certain circumstances we may act for and owe duties of care to insurers and/or other parties. Where we become aware of any actual or potential conflict of interest, we will inform you of the situation, the options available to you and obtain your consent before we proceed. Insurer security The insurers we use are regulated and are required to have adequate capital resources. However, we cannot guarantee the solvency of any insurer we place business with. An insolvent insurer may be unable to pay claims or may be unable to pay them in full and you may have to pay a further premium to pay for alternative insurance cover.

PROTECTING YOUR INFORMATION. We take your privacy extremely seriously and we will only use your personal details in line with our Privacy NoticePolicy. Please read our Privacy Notice Policy carefully and contact us immediately if you have any queries. Our Privacy Policy can be found online at xxx.xxxxxxxxx.xx.xx/xxxxxxx-xxxxxx/. If you’d like a copy of this, but do not have access to the internet, please call 00000 000 000. Where necessary, for example where we would like to use your data for some marketing purposes, we shall ask for your specific consent to do so. Your personal information includes all of the details you have given us to process your insurance policy (we will not ask for more information than is necessary). We may share your data with Third Parties for the provision and ongoing performance of your insurance policy. Your data may be transferred outside the UK. We will not sell, rent or trade your data under any circumstances. All of the personal information you supply to us will be handled strictly in accordance with the applicable Data Protection regulations and legislation. HOW TO CLAIM By accepting these terms and conditions you agree to these uses of your information. How to claim Please refer to your policy document call us on 00000 000 000 if you need to notify us of a claim. You should contact us or the insurer direct as soon as you become aware of any incident which could give rise to a claim. If in doubt about whom you should contact, or if you require our assistance in relation to a claim or potential claim please contact us. FEES AND CHARGES Fees and charges We may charge you for the work incurred in handling your insurancesinsurance. These charges apply if you instruct us to arrange insurance, carry out a mid-term adjustment, renewal, cancellation or other work on your behalf. Any additional charges, if applicable, will always be agreed with you in advance of them becoming due. • New business: business – up to £25.00/€40.00/USD50.00/NZD50.00 75.00 • Mid-term amendments: amendments – up to £15.00/€25.00/USD35.00/NZD35.00 75.00 • Cancellations: Cancellations – up to £50.00/€85.00/USD100.00/NZD100.00 • Renewals: £25.00/€40.00/USD50.00/NZD50.00 • Credit/International Card charges: In respect of premium originating from outside of Europe 2% of premium including fee (All fees and charges in currency equivalent, per xx.xxx, if not stated above) The insurer or wholesale broker may charge their own fee, which will be disclosed to you within 75.00 plus the full commission payable for the policy documents. • Issuing duplicate documentation – up to £30.00 • Renewals – up to £75.00 If you pay your premium by instalments we shall inform you of any additional fees, charges or interest as part of your credit arrangements. You will receive a quotation which will tell you the total price to be paid, and which identifies any fees, taxes and charges separately from the premium, before your insurance arrangements are concluded. Our earnings In return for placing business with insurers and/or underwriters and/or other product providers, we receive a commission from them which is a percentage of the annual premium that you are charged with. You are entitled, at any time, to request information regarding any commission which we may have received as a result of placing your insurance business or arranging premium finance. Please be assured that at no time will the way in which we are remunerated conflict with our responsibilities to meet your needs and treat you fairly. Protecting your money Prior to your premium being forwarded to the insurer (or forwarded to you in the event of a premium refund) we hold your money as an agent of the insurer with which we arrange your insurance. Where we hold premium as the agent of the insurer it is regarded as received by the insurer. We may transfer your premiums to the insurer through another party, such as a broker or underwriting agent for the purposes of effecting a transaction. By accepting this Terms of Business Agreement, you are giving your consent for us to treat your money in this way. Please notify us immediately if you have any objection or query. Complaints It is our intention to provide a high level of service at all times. However if you have reason to make a complaint about our service you should contact our Customer Service Team on 01423 504 689 or email at XxxxxxxxXxxxxxx@xxxxxxxxx.xx.xx or by letter at the address shown above. You may be entitled to refer the matter subsequently to the Financial Ombudsman Service. You can contact the Financial Ombudsman Service by telephone on 0000 0 000 000 and further information is available at xxxx://xxx.xxxxxxxxx-xxxxxxxxx.xxx.xx/. If you do decide to refer any matter to the Financial Ombudsman Service your legal rights will not be affected. We will provide a summary of our complaints handling procedures should you make a complaint which we cannot resolve informally and at any other time, upon your request. Compensation arrangements We are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 90% of the claim, without any upper limit. For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim, also without any upper limit. The compensation scheme does not apply to consumer credit. Further information about compensation scheme arrangements is available from the FSCS on 0800 678 1100 or 020 7741 4100 or by visiting xxxx://xxx.xxxx.xxx.xx/ Credit checks We and other firms involved in arranging your insurance (insurers or premium finance companies) may use public and personal data from a variety of sources including credit reference agencies and other organisations. The information is used to help tailor a price, to ascertain the most appropriate payment options for you and to help prevent fraud. Any credit reference search will appear on your credit report whether or not your application proceeds. If you have any questions about this or any other matter, please do not hesitate to contact us. Money laundering/Proceeds of crime We are obliged to report to the National Crime Agency any suspicion of money laundering or terrorist financing activity and we are prohibited from disclosing any such report. Conflicts of interest As insurance brokers we generally act as your agent in arranging your insurance and assisting you in the event of a claim. In certain circumstances we may act for and owe duties of care to insurers and/or other parties. Where we become aware of any actual or potential conflict of interest, we will inform you of the situation, the options available to you and obtain your consent before we proceed. Insurer security The insurers we use are regulated and are required to have adequate capital resources. However, we cannot guarantee the solvency of any insurer we place business with. An insolvent insurer may be unable to pay claims or may be unable to pay them in full and you may have to pay a further premium to pay for alternative insurance cover.

PROTECTING YOUR INFORMATION. All personal information about you will be treated as private and confidential (even when you are no longer a customer) except where the disclosure is made at your request or with your consent or where we are required by law to disclose it. We take your privacy extremely seriously and we will only use your personal details information in line with our Privacy Noticerelation to setting up and administering your insurance and any related credit arrangements. Please read our Privacy Notice carefully and contact us immediately if you have any queries. Where necessary, for example where we would like to use your data for some marketing purposes, we shall ask for your specific consent to do so. Your personal information includes Some or all of the details information you have given supply to us to process in connection with your insurance policy (we will not ask proposal or application for more information than is necessary). We credit may share your data with Third Parties be passed to insurance and other companies for the provision underwriting, claims and ongoing performance of your insurance policypremium collection purposes. Your data may be transferred outside the UK. We will not sell, rent or trade your ask for more information than is necessary. Your data under any circumstances. All of the personal information you supply to us will be handled strictly held in accordance with the applicable Data Protection regulations Xxx 0000, under which you have a right of access to see personal information about you that is held in our records, whether electronically or manually. Our Privacy Notice is on our website and legislationcan be located at xxxxx://xxx.xxxxxxxxxxxxxxxxxxxx.xx.xx/index.php/about-us/privacy-notice If you have any queries, please contact us. HOW TO CLAIM We and/or the insurers and/or credit providers may use publicly available data from a variety of sources, including credit reference agencies and other external organisations to verify your identity or creditworthiness, to avoid fraud, and to obtain beneficial quotes and payment options on your behalf. Each of the searches may appear on your credit report whether or not your application proceeds. By accepting these terms and conditions you agree to these uses of your information. How to claim Please refer to your policy summary or your policy document if you need to notify a claim. You should contact us or the insurer direct as soon as you become aware of any incident which could give rise to a claim. If in doubt about whom you should contact, or if you require our assistance in relation to a claim or potential claim please contact us. FEES AND CHARGES Fees and charges In addition to the premiums and fees charged by insurers we normally make the following charges to cover the administration of your insurance: New policies and renewal – up to £100; midterm adjustments – up to £50; re-issue of documentation - £15; time on risk/cancellation – in addition to the insurers cancellation fee (if any) we will make a charge of up to £50 for the cancellation of policies. No refund will be made if a claim has been paid or is outstanding at the time you cancel the policy. Where a fee or charge is payable, you will be advised before you commit to the service. There is no additional fee for payments made by credit card, debit card, bank transfer, cheque or cash. We may offer the facility to use the services of an external premium credit provider to pay premiums by instalments. Where this is offered there is an interest charge payable, usually between 10% and 15% of the total premium. The interest amount will be advised prior to committing to the service. Please ask for details. Our earnings In return for placing business with insurers and underwriters we receive a commission from them which is a percentage of the annual premium you for are charged with. If the work incurred type of policy we sell reaches specific profit targets the insurer may also pay us an additional bonus. You are entitled at any time to request information regarding any commission which we may have received as a result of placing your insurance business or arranging premium finance. Please be assured that at no time will the way in handling which we are remunerated conflict with our responsibilities to meet your insurancesneeds and treat you fairly. These charges apply if you instruct us to arrange insurance, carry out a mid-term adjustment, renewal, cancellation or other work on your behalf. Any additional charges, if applicable, will always be agreed with you in advance of them becoming due. • New business: £25.00/€40.00/USD50.00/NZD50.00 • Mid-term amendments: £15.00/€25.00/USD35.00/NZD35.00 • Cancellations: £50.00/€85.00/USD100.00/NZD100.00 • Renewals: £25.00/€40.00/USD50.00/NZD50.00 • Credit/International Card charges: Block transfers In respect of some classes of insurance we may operate block insurance arrangements in order to provide competitive terms. This is where we place all insurances of a certain type with one insurer who can provide particularly competitive terms for all our customers. On occasions it will be necessary for us to transfer such blocks from one insurer to another where this is beneficial for our clients. This Terms of Business Agreement constitutes both your acceptance that we may do this and your prior request for us so to do. Protecting your money Prior to your premium originating being forwarded to the insurer, or forwarded to you in the event of a premium refund, we hold your money as an agent of the insurer with which we arrange your insurance. Where we hold premiums as the agent of the insurer it is regarded as received by the insurer. We reserve the right to retain interest earned on this account. We may transfer your premiums to the insurer through another party, such as a broker or underwriting agent for the purposes of effecting a transaction. By accepting this Terms of Business Agreement, you are giving your consent for us to treat your money in this way. Please notify us immediately if you have any objection or query. Complaints It is our intention to provide a high level of service at all times. However if you have reason to make a complaint about our service you should contact us immediately using the contact details on the first page of this document. You may be entitled to refer the matter subsequently to the Financial Ombudsman Service. You can contact the Financial Ombudsman Service by telephone on 0000 0 000 000 and further information is available at xxxx://xxx.xxxxxxxxx-xxxxxxxxx.xxx.xx/. If you do decide to refer any matter to the Financial Ombudsman Service your legal rights will not be affected. We will provide a summary of our complaints handling procedures should you make a complaint which we cannot resolve informally and at any other time, upon your request. Compensation arrangements We are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from outside the scheme if we cannot meet our obligations. This depends on the type of Europe 2business and the circumstances of the claim. Insurance advising and arranging is covered for 90% of premium including fee the claim, without any upper limit. For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim, also without any upper limit. The compensation scheme does not apply to consumer credit. Further information about compensation scheme arrangements is available from the FSCS on 0800 678 1100 or 020 7741 4100 or by visiting xxxx://xxx.xxxx.xxx.xx/ Money laundering/Proceeds of crime We are obliged to report to the National Crime Agency any suspicion of money laundering or terrorist financing activity and we are prohibited from disclosing any such report. Adequacy of insurance values It is the responsibility of the insured to ensure that all sums insured and policy limits are adequate. Whilst we seek to assist in establishing and maintaining insured values and indemnity limits we cannot accept responsibility for their accuracy. It is strongly recommended that the appropriate Professional (All fees e.g. Surveyor/Accountant) be consulted to ensure that the sums insured and charges in currency equivalent, per xx.xxx, if not stated above) The insurer or wholesale broker may charge their own fee, which will be disclosed to you within limits under the policy documentsare suitable. If Conflicts of interest As insurance brokers, where we issue an insurance policy on an insurer with whom we have binding authority, we act as the agent of the insurer. Where we issue a policy on an insurer where we do not have binding authority, we act as your agent in advising you, arranging your insurance and assisting you pay your premium by instalments in the event of a claim. In certain circumstances we shall may act for and owe duties of care to insurers and/or other parties. Where we become aware of any actual or potential conflict of interest, we will inform you of the situation, the options available to you and obtain your consent before we proceed. Insurer security The insurers we use are regulated and are required to have adequate capital resources. However, we cannot guarantee the solvency of any additional fees, charges insurer we place business with. An insolvent insurer may be unable to pay claims or interest as part of your credit arrangementsmay be unable to pay them in full and you may have to pay a further premium to pay for alternative insurance cover.

PROTECTING YOUR INFORMATION. All personal information about You will be treated as private and confidential (even when You are no longer a customer), except where the disclosure is made at Your request or with Your consent in relation to administering Your insurance including any related credit arrangement, or where We take your privacy extremely seriously and we are required by law. Your information will only use your be held by Us (including all companies within the Ripe Group) in accordance with data protection legislation (including the General Data Protection Regulation from 25th May 2018), under which You have a right of access to see personal details information about You that is held in line with our Privacy NoticeOur records, whether electronically or manually. Please read our Privacy Notice carefully and contact us immediately if you If You have any queries, please write to the Data Protection Administration at Our address (section “About Us”). Where necessaryWe shall collect personal information when You register with Us, contact Us or place an order for example Our services. We also collect information when You voluntarily complete insurance forms, customer surveys, provide feedback and participate in competitions. Should You visit Our website We shall also collect website usage information using cookies. We shall use Your personal information for: a) performing the services which You have requested; b) for delivering any prizes or discounts which You may be entitled to through promotions or competitions run by Us or Our partners; c) for any regulatory or legal purposes imposed on Us (for instance for reporting to the Financial Conduct Authority); d) for informing You about other services and products provided by Us or Our partners which may be of interest to You (where we would like You have provided Your consent); and e) for any other legitimate interest of Ours such as for carrying out credit checks, preventing fraud, maintaining adequate records or for the recovery of unpaid debts. You have the right at any time to use your data stop Us from contacting You for some marketing purposes or giving Your information to companies outside of the Ripe Group. If You no longer wish to be contacted for marketing purposes, we shall ask for your specific consent to do soplease e-mail xxxxxxxxxxxxxx@xxxxxxxxxxxxx.xx.xx . Your personal information includes Some or all of the details you information You supply to Us in connection with Your insurance proposal may be passed to third parties including: a) insurance and other companies for underwriting, claims and premium collection purposes; b) service providers (such as Our partners in order to redeem any promotional offers or for Us to run a promotion); c) credit reference agencies; d) other sub-contractors who may assist Us in providing the services requested from You; and e) to Our partners for marketing purposes (where You have given us to process your insurance policy (we will not ask for more information than is necessaryprovided Your consent). We and/or the insurers or credit providers may share your data with Third Parties for use publicly available information from a variety of sources, including credit reference agencies and other external organisations, to verify Your identity or creditworthiness to avoid fraud and to obtain beneficial quotes and payment options on Your behalf. Each of these searches may appear on Your credit report whether or not Your application proceeds. For more information explaining how We use Your information please see Our Privacy Policy (xxx.xxxxxxxx.xx.xx/xxx/xxxxxxx.xxxx). By agreeing to these terms and conditions and the provision and ongoing performance Privacy Policy located on Our website, You agree to these uses of your insurance policy. Your data may be transferred outside the UKinformation. We will not sell, rent or trade your data under any circumstances. All of the personal use Industry standard encryption technologies when transferring and receiving customer information you supply to us will be handled strictly in accordance exchanged with the applicable Data Protection regulations and legislationOur web site. HOW TO MAKE A CLAIM Please refer Your Insurance Booklet includes a claims procedure, which tells You what steps You should take if You wish to your policy document if you need to notify make a claim. You should contact us must notify the Claims Department of a claim or the insurer direct as soon as you become aware of any incident circumstance which could may give rise to a claim as soon as possible. You will be provided with every assistance in submitting a claim and seeking reimbursement. Full premiums are due before settlement of any claim. If in doubt about whom you should contactOUR RIGHT TO SET OFF MONIES YOU OWE US We, or if you require our assistance in relation to a claim or potential claim please contact us. FEES AND CHARGES We may charge you for the work incurred in handling your insurances. These charges apply if you instruct us to arrange insurance, carry out a mid-term adjustment, renewal, cancellation or other work on your behalf. Any additional charges, if applicable, will always be agreed with you in advance of them becoming due. • New business: £25.00/€40.00/USD50.00/NZD50.00 • Mid-term amendments: £15.00/€25.00/USD35.00/NZD35.00 • Cancellations: £50.00/€85.00/USD100.00/NZD100.00 • Renewals: £25.00/€40.00/USD50.00/NZD50.00 • Credit/International Card charges: In respect of premium originating from outside of Europe 2% of premium including fee (All fees and charges in currency equivalent, per xx.xxx, if not stated above) The insurer or wholesale broker claims handler shall be entitled (but not obliged) without notice to You, to set off any amounts due from You against any amounts which We, the insurer or claims handler may charge their own feereceive on Your behalf (such as claims monies, which will be disclosed to you within the policy documents. If you pay your premium by instalments we shall inform you of any additional fees, charges or interest as part of your credit arrangementsrefunded premiums and other sums).

PROTECTING YOUR INFORMATION. We take your privacy extremely seriously and we will only use your personal details in line with our Privacy Notice. Please read our Privacy Notice carefully and contact us immediately if you have any queries. Where necessary, for example where we would like to use your data for some marketing purposes, we shall ask for your specific consent to do so. Your personal information includes all of the details you have given us to process your insurance policy (we will not ask for more information than is necessary). We may share your data with Third Parties for the provision and ongoing performance of your insurance policy. Your data may be transferred outside the UK. We will not sell, rent or trade your data under any circumstances. All of the personal information you supply to us will be handled strictly in accordance with the applicable Data Protection regulations and legislation. HOW TO CLAIM Please refer to your policy document if you need to notify a claim. You should contact us or the insurer direct as soon as you become aware of any incident which could give rise to a claim. If in doubt about whom you should contact, or if you require our assistance in relation to a claim or potential claim please contact us. FEES AND CHARGES We may charge you for the work incurred in handling your insurances. These charges apply if you instruct us to arrange insurance, carry out a mid-term adjustment, renewal, cancellation or other work on your behalf. Any additional charges, if applicable, will always be agreed with you in advance of them becoming due. • New business: £25.00/€40.00/USD50.00/NZD50.00 • Mid-term amendments: £15.00/€25.00/USD35.00/NZD35.00 • Cancellations: £50.00/€85.00/USD100.00/NZD100.00 • Renewals: £25.00/€40.00/USD50.00/NZD50.00 • Credit/International Card charges: In respect of premium originating from outside of Europe non EEA member states 2% of premium including fee (All fees and charges in currency equivalent, per xx.xxx, if not stated above) The insurer or wholesale broker may charge their own fee, which will be disclosed to you within the policy documents. If you pay your premium by instalments we shall inform you of any additional fees, charges or interest as part of your credit arrangements.

PROTECTING YOUR INFORMATION. We take your privacy extremely seriously and we will only use your personal details in line with our Privacy Notice. Please read our Privacy Notice carefully and contact us immediately if you have any queries. Where necessary, for example where we would like to use your data for some marketing purposes, we shall ask for your specific consent to do so. Your personal information includes all of the details you have given us to process your insurance policy (we will not ask for more information than is necessary). We may share your data with Third Parties for the provision and ongoing performance of your insurance policy. Your data may be transferred outside the UK. We will not sell, rent or trade your data under any circumstances. All of the personal information you supply to us will be handled strictly in accordance with the applicable Data Protection regulations and legislation. HOW TO CLAIM Please refer to your policy document if you need to notify a claim. You should contact us or the insurer direct as soon as you become aware of any incident which could give rise to a claim. If in doubt about whom you should contact, or if you require our assistance in relation to a claim or potential claim please contact us. FEES AND CHARGES We may charge you for the work incurred in handling your insurances. These charges apply if you instruct us to arrange insurance, carry out a mid-term adjustment, renewal, cancellation or other work on your behalf. Any additional charges, if applicable, will always be agreed with you in advance of them becoming due. • New business: £25.00/€40.00/USD50.00/NZD50.00 As shown on your new business invoice, quote or certificate • Mid-term amendments: £15.00/€25.00/USD35.00/NZD35.00 • Cancellations: £50.00/€85.00/USD100.00/NZD100.00 • Renewals: £25.00/€40.00/USD50.00/NZD50.00 As shown on your renewal invoice, quote or certificate • Credit/International Card charges: In respect of premium originating from outside of Europe 2% of premium including fee (All fees and charges in currency equivalent, per xx.xxx, if not stated above) The insurer or wholesale broker may charge their own fee, which will be disclosed to you within the policy documents. If you pay your premium by instalments we shall inform you of any additional fees, charges or interest as part of your credit arrangements.

PROTECTING YOUR INFORMATION. We take your privacy extremely seriously and we will only use your personal details in line with our Privacy Notice. Please read our Privacy Notice carefully and contact us immediately if you have any queries. Where necessary, for example where we would like to use your data for some marketing purposes, we shall ask for your specific consent to do so. Your personal information includes all of the details you have given us to process your insurance policy (we will not ask for more information than is necessary). We may share your data with Third Parties for the provision and ongoing performance of your insurance policy. Your data may be transferred outside the UK. We will not sell, rent or trade your data under any circumstances. All of the personal information you supply to us will be handled strictly in accordance with the applicable Data Protection regulations and legislation. HOW TO CLAIM Please refer to your policy document if you need to notify a claim. You should contact us or the insurer direct as soon as you become aware of any incident which could give rise to a claim. If in doubt about whom you should contact, or if you require our assistance in relation to a claim or potential claim please contact us. FEES AND CHARGES We may charge you for the work incurred in handling your insurances. These charges apply if you instruct us to arrange insurance, carry out a mid-term adjustment, renewal, cancellation or other work on your behalf. Any additional charges, if applicable, will always be agreed with you in advance of them becoming due. YACHTSMAN’S & TALL SHIPS TRAVEL INSURANCE • New business: £25.00/€40.003.00/USD50.00NZD6.00 • Mid-term amendments: £5.00/NZD50.00 NZD10.00 • Cancellations: £10.00/NZD20.00 • Renewals: £3.00/NZD6.00 ALL OTHER INSURANCE POLICIES • New business: As shown on your new business invoice, quote or certificate • Mid-term amendments: £15.00/€25.00/USD35.00/NZD35.00 • Cancellations: £50.00/€85.00/USD100.00/NZD100.00 • Renewals: £25.00/€40.00/USD50.00/NZD50.00 As shown on your renewal invoice, quote or certificate • Credit/International Card charges: In respect of premium originating from outside of Europe 2% of premium including fee (All fees and charges in currency equivalent, per xx.xxx, if not stated above) The insurer or wholesale broker may charge their own fee, which will be disclosed to you within the policy documents. If you pay your premium by instalments we shall inform you of any additional fees, charges or interest as part of your credit arrangements.