Common use of Days Cooling Off Period Clause in Contracts

Days Cooling Off Period. If no claims have been made during the current period of insurance, we will refund the proportional (pro- rata) amount of the premium which applies to the remaining period of insurance, less a premium charge of £25 (subject to insurance premium tax (IPT) where applicable). Refunds will be passed to your broker. If any claim has been made in the current period of insurance, you must pay the full annual premium and you will not be entitled to any refund. You may cancel this insurance by declaring to your broker, your requirement to cancel. We or your broker may cancel this insurance by sending seven days’ notice, in writing, to your last known address. Your insurance may be cancelled because: • You have not paid when due, a premium on an instalment plan • You or anyone else covered by this insurance has not met the terms and conditions of the insurance • You have not provided documentation requested by us or your broker (such as a copy of your driving licence or evidence of No Claim Bonus) • A change in your circumstances means we can no longer provide cover • You misrepresent or fail to disclose information that is relevant to your insurance • We identify fraud on another associated policy with ERS or • You harass any member of our staff or show abusive or threatening behaviour towards them This is not an exhaustive list. Your schedule shows you what cover you have. The different types of cover are listed below together with the sections of the policy that apply. Section name Comprehensive Accidental damage Fire & Theft Accidental damage & Third party only Third party Fire & theft Fire & theft Third party only Accident damage 🗸 🗸 🗸 🗴 🗴 🗴 Malicious damage 🗸 🗸 🗸 🗴 🗴 🗴 Fire 🗸 🗸 🗴 🗸 🗸 🗴 Flood 🗸 🗸 🗸 🗴 🗴 🗴 Theft 🗸 🗸 🗴 🗸 🗸 🗴 Vandalism 🗸 🗸 🗸 🗴 🗴 🗴 Windscreen 🗸 🗴 🗴 🗴 🗴 🗴 The General Terms, Conditions and Exceptions apply to all sections of the policy. IMPORTANT: You can only have Accidental Damage Fire & Theft cover and Fire & Theft cover if your vehicle is declared SORN (officially off the road) with the DVLA and is not being used.

Days Cooling Off Period. If no claims have been made during the current period of insurance, we will refund the proportional (pro- rata) amount of the premium which applies to the remaining period of insurance, less a premium charge of £25 (subject to insurance premium tax (IPT) where applicable). Refunds will be passed to your broker. If any claim has been made in the current period of insurance, you must pay the full annual premium and you will not be entitled to any refund. You may cancel this insurance by declaring to your broker, your requirement to cancel. We or your broker may cancel this insurance by sending seven days’ notice, in writing, to your last known address. Your insurance may be cancelled because: • You have not paid when due, a premium on an instalment plan • You or anyone else covered by this insurance has not met the terms and conditions of the insurance • You have not provided documentation requested by us or your broker (such as a copy of your driving licence or evidence of No Claim Bonus) • A change in your circumstances means we can no longer provide cover • You misrepresent or fail to disclose information that is relevant to your insurance • We identify fraud on another associated policy with ERS or • You harass any member of our staff or show abusive or threatening behaviour towards them This is not an exhaustive list. Your schedule shows you what cover you have. The different types of cover are listed below together with the sections of the policy that apply. Section name Comprehensive Accidental damage Damage Fire & Theft Accidental damage Damage & Third party only Party Only Third party Fire & theft Fire & theft Theft Third party only Accident damage 🗸 🗸 🗸 🗴 🗴 🗴 Malicious damage 🗸 🗸 🗸 🗴 🗴 🗴 Fire 🗸 🗸 🗴 🗸 🗸 🗴 Flood 🗸 🗸 🗸 🗴 🗴 🗴 Theft 🗸 🗸 🗴 🗸 🗸 🗴 Vandalism 🗸 🗸 🗸 🗴 🗴 🗴 Windscreen 🗸 🗴 🗴 🗴 🗴 🗴 The General Terms, Conditions and Exceptions apply to all sections of the policy. IMPORTANT: You can only have Accidental Damage Fire & Theft cover and Fire & Theft cover if your vehicle is declared SORN (officially off the road) with the DVLA and is not being used.

Days Cooling Off Period. If no claims have been made during the current period of insurance, we will refund the proportional (pro- rata) amount a percentage of the premium which applies according to the remaining period of insurancewhich you have had cover for, less as detailed in the table below. The amount retained by us will be subject to a premium charge minimum amount of £25 (subject to plus insurance premium tax (IPT) where applicable). Period you have had cover for Percentage amount to be refunded to you Percentage amount to be retained by us Over 14 days – 30 days 70% 30% 31 days – 60 days 55% 45% 61 days – 90 days 40% 60% 121 days – 150 days 10% 90% Over 150 days Nil 100% Refunds will be passed to your broker. If any claim has been made in the current period of insurance, you must pay the full annual premium and you will not be entitled to any refund. You may cancel this insurance by declaring to your broker, your requirement to cancel. We or your broker may cancel this insurance by sending seven days’ notice, in writing, to your last known address. Your insurance may be cancelled because: • You have not paid when due, a premium on an instalment plan • You or anyone else covered by this insurance has not met the terms and conditions of the insurance • You have not provided documentation requested by us or your broker (such as a copy of your driving licence or evidence of No Claim Bonus) • A change in your circumstances means we can no longer provide cover • You misrepresent or fail to disclose information that is relevant to your insurance • We identify fraud on another associated policy with ERS or • You harass any member of our staff or show abusive or threatening behaviour towards them This is not an exhaustive list. Your schedule shows you what cover you have. The different types of cover are listed below together with the sections of the policy that apply. Section name Comprehensive Accidental damage Fire & Theft Accidental damage & Third party only Third party Fire & theft Fire & theft Third party only Accident damage 🗸 🗸 🗸 🗴 🗴 🗴 Malicious damage 🗸 🗸 🗸 🗴 🗴 🗴 Fire 🗸 🗸 🗴 🗸 🗸 🗴 Flood 🗸 🗸 🗸 🗴 🗴 🗴 Theft 🗸 🗸 🗴 🗸 🗸 🗴 Vandalism 🗸 🗸Emergency accommodation or transport 🗸 🗴 🗸 🗸 🗴 🗸 🗸 🗴 🗴 🗴 Windscreen 🗸 🗴 🗴 🗴 🗴 🗴 The General Terms, Conditions and Exceptions apply to all sections of the policy. IMPORTANT: You can only have Accidental Damage Fire & Theft covmotorhome er and Fire & Theft cover if your vehicle is declared SORN (officially off the road) with the DVLA and is not being used.

Days Cooling Off Period. If no claims have been made during the current period of insurance, we will refund the proportional (pro- pro-rata) amount of the premium which applies to the remaining period of insurance, less a premium charge of £25 50 (subject to insurance premium tax (IPT) where applicable). Refunds will be passed to your broker. If any claim has been made in the current period of insurance, you must pay the full annual premium and you will not be entitled to any refund. You may cancel this insurance by declaring to your broker, your requirement to cancel. We or your broker may cancel this insurance by sending seven days’ notice, in writing, to your last known address. Your insurance may be cancelled because: • You have not paid when due, a premium on an instalment plan • You or anyone else covered by this insurance has not met the terms and conditions of the insurance • You have not provided documentation requested by us or your broker (such as a copy of your driving licence or evidence of No Claim Bonus) • A change in your circumstances means we can no longer provide cover • You misrepresent or fail to disclose information that is relevant to your insurance • We identify fraud on another associated policy with ERS or • You harass any member of our staff or show abusive or threatening behaviour towards them This is not an exhaustive list. Your schedule shows you what cover you have. The different types of cover are listed below together with the sections of the policy that apply. Section name Comprehensive Accidental damage Damage Fire & Theft Accidental damage Damage & Third party only Party Only Third party Fire & theft Fire & theft Theft Third party only Accident damage 🗸 🗸 🗸 🗴 🗴 🗴 Malicious damage 🗸 🗸 🗸 🗴 🗴 🗴 Fire 🗸 🗸 🗴 🗸 🗸 🗴 Flood 🗸 🗸 🗸 🗴 🗴 🗴 Theft 🗸 🗸 🗴 🗸 🗸 🗴 Vandalism 🗸 🗸Section 8 – Uninsured driver 🗸 🗴 🗸 🗸 🗴 🗸 Section 9 – Breakdown assistance 🗸 🗴 🗴 🗴 🗴 🗴 🗸 🗴 🗴 🗴 Windscreen 🗸 🗴 🗴 🗴 🗴 🗴 The General Terms, Conditions and Exceptions apply to all sections of the policy. IMPORTANT: You can only have Accidental Damage Fire & Theft cover and Fire & Theft cover if your vehicle is declared SORN (officially off the road) with the DVLA and is not being used.

Days Cooling Off Period. If no claims have been made during the current period of insurance, we will refund the proportional (pro- rata) amount of the premium which applies to the remaining period of insurance, less a premium charge of £25 50 (subject to insurance premium tax (IPT) where applicable). Refunds will be passed to your broker. If any claim has been made in the current period of insurance, you must pay the full annual premium and you will not be entitled to any refund. You may cancel this insurance by declaring to your broker, your requirement to cancel. We or your broker may cancel this insurance by sending seven days’ notice, in writing, to your last known address. Your insurance may be cancelled because: • You have not paid when due, a premium on an instalment plan • You or anyone else covered by this insurance has not met the terms and conditions of the insurance • You have not provided documentation requested by us or your broker (such as a copy of your driving licence or evidence of No Claim Bonus) • A change in your circumstances means we can no longer provide cover • You misrepresent or fail to disclose information that is relevant to your insurance • We identify fraud on another associated policy with ERS or • You harass any member of our staff or show abusive or threatening behaviour towards them This is not an exhaustive list. Your schedule shows you what cover you have. The different types of cover are listed below together with the sections of the policy that apply. Section name Comprehensive Accidental damage Damage Fire & Theft Accidental damage Damage & Third party only Party Only Third party Fire & theft Fire & theft Theft Third party only Accident damage 🗸 🗸 🗸 🗴 🗴 🗴 Malicious damage 🗸 🗸 🗸 🗴 🗴 🗴 Fire 🗸 🗸 🗴 🗸 🗸 🗴 Flood 🗸 🗸 🗸 🗴 🗴 🗴 Theft 🗸 🗸 🗴 🗸 🗸 🗴 Vandalism 🗸 🗸 🗸 🗴 🗴 🗴 Windscreen 🗸 🗴 🗴 🗴 🗴 🗴 The General Terms, Conditions and Exceptions apply to all sections of the policy. IMPORTANT: You can only have Accidental Damage Fire & Theft cover and Fire & Theft cover if your vehicle is declared SORN (officially off the road) with the DVLA and is not being used.

Days Cooling Off Period. If no claims have been made during the current period of insurance, we will refund the proportional (pro- rata) amount a percentage of the premium which applies according to the remaining period of insurancewhich you have had cover for, less as detailed in the table below. The amount retained by us will be subject to a premium charge minimum amount of £25 (subject to plus insurance premium tax (IPT) where applicable). Period you have had cover for Percentage amount to be refunded to you Percentage amount to be retained by us Over 14 days – 30 days 70% 30% 31 days – 60 days 55% 45% 61 days – 90 days 40% 60% 91 days – 120 days 25% 75% 121 days – 150 days 10% 90% Over 150 days Nil 100% Refunds will be passed to your broker. If any claim has been made in the current period of insurance, you must pay the full annual premium and you will not be entitled to any refund. You may cancel this insurance by declaring to your broker, your requirement to cancel. We or your broker may cancel this insurance by sending seven days’ notice, in writing, to your last known address. Your insurance may be cancelled because: • You have not paid when due, a premium on an instalment plan • You or anyone else covered by this insurance has not met the terms and conditions of the insurance • You have not provided documentation requested by us or your broker (such as a copy of your driving licence or evidence of No Claim Bonus) • A change in your circumstances means we can no longer provide cover • You misrepresent or fail to disclose information that is relevant to your insurance • We identify fraud on another associated policy with ERS or • You harass any member of our staff or show abusive or threatening behaviour towards them This is not an exhaustive list. Your schedule shows you what cover you have. The different types of cover are listed below together with the sections of the policy that apply. The General Terms, Conditions and Exceptions apply to all sections of the policy. Section name Comprehensive Accidental damage Damage Fire & Theft Accidental damage Damage & Third party only Party Only Third party Fire & theft Fire & theft Theft Third party only Accident damage 🗸 🗸 🗸 🗴 🗴 🗴 Malicious damage 🗸 🗸 🗸 🗴 🗴 🗴 Fire 🗸 🗸 🗴 🗸 🗸 🗴 Flood 🗸 🗸 🗸 🗴 🗴 🗴 Theft 🗸 🗸 🗴 🗸 🗸 🗴 Vandalism 🗸 🗸 🗸 🗴 🗴 🗴 Windscreen 🗸 🗴 🗴 🗴 🗴 🗴 The General Terms, Conditions and Exceptions apply to all sections ofSection name Comprehensive the policy. IMPORTANT: You can only haveAccidental Damage & Third Party Only Third party Fire & theft Accidental DThird party only We will provide insurance for any accident you have while you are driving, using or in charge of your vehicle or while you are loading or unloading it. We will insure you for all amounts you may legally have to pay for causing death or injury to other people. The most we will pay for property damage is £20,000,000 for any claim or claims arising out of one incident. We will pay up to £5,000,000 for any costs and expenses arising out of a claim or claims arising from one incident. If there is a property-damage claim made against more than one person covered by this insurance, we will first deal with any claim made against you. We will also provide the amage shown above (Firthis is shown on e & Tcertificate of motor insurance), to drive any private car that you do not own and have not hired under a hire-purchase or leasing agreement - as long as you have the owner’s permission to drive the private car. You are not insured against: • Any loss or damage to the vehicle you are driving • Driving a car that is owned by a member of your household • Any event which happens outside of the United Kingdom or while the insured vehicle is outside the United Kingdom • Any legal responsibility if you no longer have the insured vehicle • Driving another vehicle while the insured heft cover and Fire & The• Driving a car that does not have a valid MOT ft cover if your vehicleunless exempt is declared SORN (oor fficially off thetaxed (unless exempt), insured and registered in the UK • Any event which happens when this insurance is not in the name of an individual person • Any legal responsibility unless the vehicle is insured against third party road risks, in its own right or • Securing the release of a vehicle that has been seized by or on behalf of the police or any public or local authority In the same way you are insured, we will also cover the following people: • Any person you allow to drive or use your vehicle, as long as this is allowed by your current certificate of motor insurance and has not been excluded by an endorsement, exception or condition • Any passenger who has an accident while travelling in or getting into or out of the insured vehicle, as long as you ask us to cover the passenger After the death of anyone who is covered by this insurance, we will deal with any claim made against that person’s estate, as long as the claim is covered by this insurance road) with the DVLA and is not being used.

Days Cooling Off Period. If no claims have been made during the current period of insurance, we will refund the proportional (pro- rata) amount a percentage of the premium which applies according to the remaining period of insurancewhich you have had cover for, less as detailed in the table below. The amount retained by us will be subject to a premium charge minimum amount of £25 (subject to plus insurance premium tax (IPT) where applicable). Period you have had cover for Percentage amount to be refunded to you Percentage amount to be retained by us Over 14 days – 30 days 70% 30% 31 days – 60 days 55% 45% 61 days – 90 days 40% 60% 91 days – 120 days 25% 75% 121 days – 150 days 10% 90% Over 150 days Nil 100% Refunds will be passed to your broker. If any claim has been made in the current period of insurance, you must pay the full annual premium and you will not be entitled to any refund. You may cancel this insurance by declaring to your broker, your requirement to cancel. We or your broker may cancel this insurance by sending seven days’ notice, in writing, to your last known address. Your insurance may be cancelled because: • You have not paid when due, a premium on an instalment plan • You or anyone else covered by this insurance has not met the terms and conditions of the insurance • You have not provided documentation requested by us or your broker (such as a copy of your driving licence or evidence of No Claim Bonus) • A change in your circumstances means we can no longer provide cover • You misrepresent or fail to disclose information that is relevant to your insurance • We identify fraud on another associated policy with ERS or • You harass any member of our staff or show abusive or threatening behaviour towards them This is not an exhaustive list. Your schedule shows you what cover you have. The different types of cover are listed below together with the sections of the policy that apply. The General Terms, Conditions and Exceptions apply to all sections of the policy. Section name Comprehensive Accidental damage Damage Fire & Theft Accidental damage Damage & Third party only Party Only Third party Fire & theft Fire & theft Theft Third party only Accident damage 🗸 🗸 🗸 🗴 🗴 🗴 Malicious damage 🗸 🗸 🗸 🗴 🗴 🗴 Fire 🗸 🗸 🗴 🗸 🗸 🗴 Flood 🗸 🗸 🗸 🗴 🗴 🗴 Theft 🗸 🗸 🗴 🗸 🗸 🗴 Vandalism 🗸 🗸 🗸 🗴 🗴 🗴 Windscreen 🗸 🗴 🗴 🗴 🗴 🗴 The General Terms, Conditions and Exceptions apply to all sections ofSection name Comprehensive the policy. IMPORTANT: You can only haveAccidental Damage & Third Party Only Third party Fire & theft Accidental Damage Fire & Theft cover and Fire & Theft cover if your vehicle is declared SORN (officially off the Third party onlyroad) with the DVLA and is not being used.

Days Cooling Off Period. If no claims have been made during the current period of insurance, we will refund the proportional (pro- rata) amount of the premium which applies to the remaining period of insurance, less a premium charge of £25 50 (subject to insurance premium tax (IPT) where applicable). Refunds will be passed to your broker. If any claim has been made in the current period of insurance, you must pay the full annual premium and you will not be entitled to any refund. You may cancel this insurance by declaring to your broker, your requirement to cancel. We or your broker may cancel this insurance by sending seven days’ notice, in writing, to your last known address. Your insurance may be cancelled because: • You have not paid when due, a premium on an instalment plan • You or anyone else covered by this insurance has not met the terms and conditions of the insurance • You have not provided documentation requested by us or your broker (such as a copy of your driving licence or evidence of No Claim Bonus) • A change in your circumstances means we can no longer provide cover • You misrepresent or fail to disclose information that is relevant to your insurance • We identify fraud on another associated policy with ERS or • You harass any member of our staff or show abusive or threatening behaviour towards them This is not an exhaustive list. Your schedule shows you what cover you have. The different types of cover are listed below together with the sections of the policy that apply. The General Terms, Conditions and Exceptions apply to all sections of the policy. Section name Comprehensive Accidental damage Damage Fire & Theft Accidental damage Damage & Third party only Party Only Third party Fire & theft Fire & theft Theft Third party only Accident damage 🗸 🗸 🗸 🗴 🗴 🗴 Malicious damage 🗸 🗸 🗸 🗴 🗴 🗴 Fire 🗸 🗸 🗴 🗸 🗸 🗴 Flood 🗸 🗸 🗸 🗴 🗴 🗴 Theft 🗸 🗸 🗴 🗸 🗸 🗴 Vandalism 🗸 🗸 🗸 🗴 🗴 🗴 Windscreen 🗸 🗴 🗴 🗴 🗴 🗴 The General Terms, Conditions and Exceptions apply to all sections ofSection name Comprehensive the policy. IMPORTANT: You can only haveAccidental Damage & Third Party Only Third party Fire & theft Accidental DThird party only We will provide insurance for any accident you have while you are driving, using or in charge of your vehicle or while you are loading or unloading it. We will insure you for all amounts you may legally have to pay for causing death or injury to other people. The most we will pay for property damage is £20,000,000 for any claim or claims arising out of one incident. We will pay up to £5,000,000 for any costs and expenses arising out of a claim or claims arising from one incident. If there is a property-damage claim made against more than one person covered by this insurance, we will first deal with any claim made against you. We will also provide the amage shown above (Firthis is shown on e & Tcertificate of motor insurance), to drive any private car that you do not own and have not hired under a hire-purchase or leasing agreement - as long as you have the owner’s permission to drive the private car. You are not insured against: • Any loss or damage to the vehicle you are driving • Any event which happens outside of the United Kingdom or while the insured vehicle is outside the United Kingdom • Any legal responsibility if you no longer have the insured vehicle • Driving another vehicle while the insured heft cover and Fire & The• Driving a car that does not have a valid MOT ft cover if your vehicleunless exempt is declared SORN (oor fficially off thetaxed, insured and registered in the UK • Any event which happens when this insurance is not in the name of an individual person • Any legal responsibility unless the vehicle is insured against third party road risks, in its own right or • Securing the release of a vehicle that has been seized by or on behalf of the police or any public or local authority In the same way you are insured, we will also cover the following people: • Any person you allow to drive or use your vehicle, as long as this is allowed by your current certificate of motor insurance and has not been excluded by an endorsement, exception or condition • Any passenger who has an accident while travelling in or getting into or out of the insured vehicle, as long as you ask us to cover the passenger After the death of anyone who is covered by this insurance, we will deal with any claim made against that person’s estate, as long as the claim is covered by this insurance road) with the DVLA and is not being used.

Days Cooling Off Period. If no claims have been made during the current period of insurance, we will refund the proportional (pro- rata) amount a percentage of the premium which applies according to the remaining period of insurancewhich you have had cover for, less as detailed in the table below. The amount retained by us will be subject to a premium charge minimum amount of £25 (subject to plus insurance premium tax (IPT) where applicable). Period you have had cover for Percentage amount to be refunded to you Percentage amount to be retained by us Over 14 days – 30 days 70% 30% 31 days – 60 days 55% 45% 61 days – 90 days 40% 60% 121 days – 150 days 10% 90% Over 150 days Nil 100% Refunds will be passed to your broker. If any claim has been made in the current period of insurance, you must pay the full annual premium and you will not be entitled to any refund. You may cancel this insurance by declaring to your broker, your requirement to cancel. We or your broker may cancel this insurance by sending seven days’ notice, in writing, to your last known address. Your insurance may be cancelled because: • You have not paid when due, a premium on an instalment plan • You or anyone else covered by this insurance has not met the terms and conditions of the insurance • You have not provided documentation requested by us or your broker (such as a copy of your driving licence or evidence of No Claim Bonus) • A change in your circumstances means we can no longer provide cover • You misrepresent or fail to disclose information that is relevant to your insurance • We identify fraud on another associated policy with ERS or • You harass any member of our staff or show abusive or threatening behaviour towards them This is not an exhaustive list. Cover‌ Your schedule shows you what cover you have. The different types of cover are listed below together with the sections of the policy that apply. Section name Comprehensive Accidental damage Fire & Theft Accidental damage & Third party only Third party Fire & theft Fire & theft Third party only Accident damage 🗸 🗸 🗸 🗴 🗴 🗴 Malicious damage 🗸 🗸 🗸 🗴 🗴 🗴 Fire 🗸 🗸 🗴 🗸 🗸 🗴 Flood 🗸 🗸 🗸 🗴 🗴 🗴 Theft 🗸 🗸 🗴 🗸 🗸 🗴 Vandalism 🗸 🗸 🗸 🗴 🗴 🗴 Windscreen 🗸 🗴 🗴 🗴 🗴 🗴 The General Terms, Conditions and Exceptions apply to all sections of the policy. IMPORTANT: You can only have Accidental Damage Fire & Theft cover and Fire & Theft cover if your vehicle is declared SORN (officially off the road) with the DVLA and is not being used.

Days Cooling Off Period. If no claims have been made during the current period of insurance, we will refund the proportional (pro- rata) amount of the premium which applies to the remaining period of insurance, less a premium charge of £25 (subject to insurance premium tax (IPT) where applicable). Refunds will be passed to your broker. If any claim has been made in the current period of insurance, you must pay the full annual premium and you will not be entitled to any refund. You may cancel this insurance by declaring to your broker, your requirement to cancel. We or your broker may cancel this insurance by sending seven days’ notice, in writing, to your last known address. Your insurance may be cancelled because: • You have not paid when due, a premium on an instalment plan • You or anyone else covered by this insurance has not met the terms and conditions of the insurance • You have not provided documentation requested by us or your broker (such as a copy of your driving licence or evidence of No Claim Bonus) • A change in your circumstances means we can no longer provide cover • You misrepresent or fail to disclose information that is relevant to your insurance • We identify fraud on another associated policy with ERS or • You harass any member of our staff or show abusive or threatening behaviour towards them This is not an exhaustive list. Your schedule shows you what cover you have. The different types of cover are listed below together with the sections of the policy that apply. Section name Comprehensive Accidental damage Damage Fire & Theft Accidental damage Damage & Third party only Party Only Third party Fire & theft Fire & theft Theft Third party only Accident damage 🗸 🗸 🗸 🗴 🗴 🗴 Malicious damage 🗸 🗸 🗸 🗴 🗴 🗴 Fire 🗸 🗸 🗴 🗸 🗸 🗴 Flood 🗸 🗸 🗸 🗴 🗴 🗴 Theft 🗸 🗸 🗴 🗸 🗸 🗴 Vandalism 🗸 🗸Section 8 – Breakdown assistance 🗸 🗴 🗴 🗴 🗴 🗴 🗸 🗴 🗴 🗴 Windscreen 🗸 🗴 🗴 🗴 🗴 🗴 The General Terms, Conditions and Exceptions apply to all sections of the policy. IMPORTANT: You can only have Accidental Damage Fire & Theft cover and Fire & Theft cover if your vehicle is declared SORN (officially off the road) with the DVLA and is not being used.

Days Cooling Off Period. If no claims have been made during the current period of insurance, we will refund the proportional (pro- pro-rata) amount of the premium which applies to the remaining period of insurance, less a premium charge of £25 (subject to insurance premium tax (IPT) where applicable). Refunds will be passed to your broker. If any claim has been made in the current period of insurance, you must pay the full annual premium and you will not be entitled to any refund. You may cancel this insurance by declaring to your broker, your requirement to cancel. We or your broker may cancel this insurance by sending seven days’ notice, in writing, to your last known address. Your insurance may be cancelled because: • You have not paid when due, a premium on an instalment plan • You or anyone else covered by this insurance has not met the terms and conditions of the insurance • You have not provided documentation requested by us or your broker (such as a copy of your driving licence or evidence of No Claim Bonus) • A change in your circumstances means we can no longer provide cover • You misrepresent or fail to disclose information that is relevant to your insurance • We identify fraud on another associated policy with ERS or • You harass any member of our staff or show abusive or threatening behaviour towards them This is not an exhaustive list. Your schedule shows you what cover you have. The different types of cover are listed below together with the sections of the policy that apply. Section name Comprehensive Accidental damage Fire & Theft Accidental damage & Third party only Third party Fire & theft Fire & theft Third party only Accident damage 🗸 🗸 🗸 🗴 🗴 🗴 Malicious damage 🗸 🗸 🗸 🗴 🗴 🗴 Fire 🗸 🗸 🗴 🗸 🗸 🗴 Flood 🗸 🗸 🗸 🗴 🗴 🗴 Theft 🗸 🗸 🗴 🗸 🗸 🗴 Vandalism �� 🗸 🗸 🗴 🗴 🗴 Windscreen 🗸 🗴 🗴 🗴 🗴 🗴 The General Terms, Conditions and Exceptions apply to all sections of the policy. IMPORTANT: You can only have Accidental Damage Fire & Theft cover and Fire & Theft cover if your vehicle is declared SORN (officially off the road) with the DVLA and is not being used.