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. Where we may cancel your policy 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 The insurance cover you have 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 Section 1 – Liability to others 🗸 🗴 🗸 🗸 🗴 🗸 Section 2 – Loss of or damage to your vehicle 🗸 🗸 🗸 🗸 🗸 🗴 Accident damage 🗸 🗸 🗸 🗴 🗴 🗴 Malicious damage 🗸 🗸 🗸 🗴 🗴 🗴 Fire 🗸 🗸 🗴 🗸 🗸 🗴 Flood 🗸 🗸 🗸 🗴 🗴 🗴 Theft 🗸 🗸 🗴 🗸 🗸 🗴 Vandalism 🗸 🗸 🗸 🗴 🗴 🗴 Windscreen 🗸 🗴 🗴 🗴 🗴 🗴 Section 3 – Foreign use 🗸 🗴 🗸 🗸 🗴 🗸 Section 4 – Medical expenses 🗸 🗴 🗴 🗴 🗴 🗴 Section 5 – Personal belongings 🗸 🗴 🗴 🗴 🗴 🗴 Section 6 – Loss of keys and replacing locks 🗸 🗴 🗴 🗴 🗴 🗴 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. Where we may cancel your policy 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 The insurance cover you have 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 Section 1 – Liability to others 🗸 🗴 🗸 🗸 🗴 🗸 Section 2 – Loss of or damage to your vehicle 🗸 🗸 🗸 🗸 🗸 🗴 Accident damage 🗸 🗸 🗸 🗴 🗴 🗴 Malicious damage 🗸 🗸 🗸 🗴 🗴 🗴 Fire 🗸 🗸 🗴 🗸 🗸 🗴 Flood 🗸 🗸 🗸 🗴 🗴 🗴 Theft 🗸 🗸 🗴 🗸 🗸 🗴 Vandalism 🗸 🗸 🗸 🗴 🗴 🗴Medical expenses Windscreen 🗴 🗴 🗴 🗸 🗴 🗴 🗴 🗴 🗴 Section 3 –Personal accident benefits Foreign use 🗸 🗴 🗸 🗸 🗴 🗸 Section 4 – Medical expenses 🗸 🗴 🗴 🗴 🗴 🗴 Section 5 – Personal belongings 🗸 Section 7 – Child seat 🗸 🗴 🗴 🗴 🗴 🗴 Section 8 – Foreign use 🗸 🗴 🗸 🗸 🗴 🗸 🗴 🗴 🗴 🗴 🗴 Section 6 – Loss of keys and replacing locks 🗸 🗴 🗴 🗴 🗴 🗴 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. Where we may cancel your policy 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 Cover‌ The insurance cover you have 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 Section 1 – Liability to others 🗸 🗴 🗸 🗸 🗴 🗸 Section 2 – Loss of or damage to your vemotorhome hicle 🗸 🗸 🗸 🗸 🗸 🗴 Accident damage 🗸 🗸 🗸 🗴 🗴 🗴 Malicious damage 🗸 🗸 🗸 🗴 🗴 🗴 Fire 🗸 🗸 🗴 🗸 🗸 🗴 Flood 🗸 🗸 🗸 🗴 🗴 🗴 Theft 🗸 🗸 🗴 🗸 🗸 🗴 Vandalism 🗸 🗸 🗸 🗴 🗴 🗴Medical expenses Windscreen 🗴 🗴 🗴 🗸 🗴 🗴 🗴 🗴 🗴 Section 3 –Personal accident Foreign use 🗸 🗴 🗸 🗸 🗴 🗸 Section 4 – Medical expenses 🗸 🗴 🗴 🗴 🗴 🗴 Section 5 – Personal belongings 🗸 Section 7 – Child seat 🗸 🗴 🗴 🗴 🗴 🗴 Section 8 – Foreign use 🗸 🗴 🗸 🗸 🗴 🗸 🗴 🗴 🗴 🗴 🗴 Section 6 – Loss of keys and replacing locks 🗸 🗴 🗴 🗴 🗴 🗴 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. Where we may cancel your policy 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 The insurance cover you have 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. 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. 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 Section 1 – Liability to others 🗸 🗴 🗸 🗸 🗴 🗸 Section 2 – Loss of or damage to your vehicle 🗸 🗸 🗸 🗸 🗸 🗴 Accident damage 🗸 🗸 🗸 🗴 🗴 🗴 Malicious damage 🗸 🗸 🗸 🗴 🗴 🗴 Fire 🗸 🗸 🗴 🗸 🗸 🗴 Flood 🗸 🗸 🗸 🗴 🗴 🗴 Theft 🗸 🗸 🗴 🗸 🗸 🗴 Vandalism 🗸 🗸 🗸 🗴 🗴 🗴Medical expenses Windscreen 🗴 🗴 🗴 🗸 🗴 🗴 🗴 🗴 🗴 Section 3 –Personal accident benefits Foreign use 🗸 🗴 🗸 🗸 🗴 🗸 Section 4 – Medical expenses 🗸 🗴 🗴 🗴 🗴 🗴 Section 5 – Personal belongings 🗸 🗴 🗴 🗴 🗴 🗴 Section 6 – Loss of keys and replacing locks 🗸 🗴 🗴 🗴 🗴 🗴 The General Terms, Conditions andSection 7 – Child seat 🗸 🗴 🗴 🗴 🗴 🗴 Cover continued Section name Comprehensive Exceptions apply to all sections of the Accidental Damage & Third Party Only Third party Fire & theft policy. IMPORTANT: You can only have Accidental Damage Fire & Theft cover and Fire & Theft cover if your vehicle iThird party only Section 8 – Foreign use 🗸 🗴 🗸 🗸 🗴 🗸 Section 9 - Inflatable storage device 🗸 🗸 🗸 🗸 🗸 🗸s 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. Where we may cancel your policy 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 The insurance cover you have 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 Section 1 – Liability to others 🗸 🗴 🗸 🗸 🗴 🗸 Section 2 – Loss of or damage to your vehicle 🗸 🗸 🗸 🗸 🗸 🗴 Accident damage 🗸 🗸 🗸 🗴 🗴 🗴 Malicious damage 🗸 🗸 🗸 🗴 🗴 🗴 Fire 🗸 🗸 🗴 🗸 🗸 🗴 Flood 🗸 🗸 🗸 🗴 🗴 🗴 Theft 🗸 🗸 🗴 🗸 🗸 🗴 Vandalism 🗸 🗸 🗸 🗴 🗴 🗴Medical expenses Windscreen 🗴 🗴 🗴 🗸 🗴 🗴 🗴 🗴 🗴 Section 3 –Personal accident benefits Foreign use 🗸 🗴 🗸 🗸 🗴 🗸 Section 4 – Medical expenses 🗸 🗴 🗴 🗴 🗴 🗴 Section 5 – Personal belongings 🗸 Section 7 – Child seat 🗸 🗴 🗴 🗴 🗴 🗴 Section 8 – Foreign use 🗸 🗴 🗸 🗸 🗴 🗸 🗴 🗴 🗴 🗴 🗴 Section 6 – Loss of keys and replacing locks 🗸 🗴 🗴 🗴 🗴 🗴 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. Where we may cancel your policy 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 The insurance cover you have 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 Section 1 – Liability to others 🗸 🗴 🗸 🗸 🗴 🗸 Section 2 – Loss of or damage to your vehicle 🗸 🗸 🗸 🗸 🗸 🗴 Accident damage 🗸 🗸 🗸 🗴 🗴 🗴 Malicious damage 🗸 🗸 🗸 🗴 🗴 🗴 Fire 🗸 🗸 🗴 🗸 🗸 🗴 Flood 🗸 🗸 🗸 🗴 🗴 🗴 Theft 🗸 🗸 🗴 🗸 🗸 🗴 Vandalism 🗸 🗸 🗸 🗴 🗴 🗴 Windscreen 🗸 🗴 🗴 🗴 🗴 🗴 Section 3 – Foreign use 🗸 🗴 🗸 🗸 🗴 🗸 Seaccident 🗸 🗴 🗴 🗴 🗴 🗴 Section 6 – Personal ction 4 – Medical expenses 🗸 �� 7 🗴 🗴 🗴 🗴 Section 5 – Personal belongings 🗸 🗴 🗴 🗴 🗴 🗴 Section 6 – Loss of keys and replacing locks 🗸 🗴 🗴 🗴 🗴 🗴 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 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. Where we may cancel your policy 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 The insurance cover you have 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 Section 1 – Liability to others 🗸 🗴 🗸 🗸 🗴 🗸 Section 2 – Loss of or damage to your vehicle 🗸 🗸 🗸 🗸 🗸 🗴 Accident damage 🗸 🗸 🗸 🗴 🗴 🗴 Malicious damage 🗸 🗸 🗸 🗴 🗴 🗴 Fire 🗸 🗸 🗴 🗸 🗸 🗴 Flood 🗸 🗸 🗸 🗴 🗴 🗴 Theft 🗸 🗸 🗴 🗸 🗸 🗴 Vandalism 🗸 🗸 🗸 🗴 🗴 🗴Medical expenses Windscreen 🗴 🗴 🗴 🗸 🗴 🗴 🗴 🗴 🗴 Section 3 –Personal accident benefits Foreign use 🗸 🗴 🗸 🗸 🗴 🗸 Section 4 – Medical expenses 🗸 🗴 🗴 🗴 🗴 🗴 Section 5 – Personal be🗸 🗴 🗴 🗴 🗴 🗴 Section 7 – Foreign use 🗸 🗴 🗸 🗸 🗴 🗸 Section 8 – Uninsured driver 🗸 🗴 🗸 🗸 🗴 🗸 Section 9 – Breakdown assistance longings 🗸 🗴 🗴 🗴 🗴 🗴 Section 6 – Loss of keys and replacing locks 🗸 🗴 🗴 🗴 🗴 🗴 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. Where we may cancel your policy 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 The insurance cover you have 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. 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. 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 Section 1 – Liability to others 🗸 🗴 🗸 🗸 🗴 🗸 Section 2 – Loss of or damage to your vehicle 🗸 🗸 🗸 🗸 🗸 🗴 Accident damage 🗸 🗸 🗸 🗴 🗴 🗴 Malicious damage 🗸 🗸 🗸 🗴 🗴 🗴 Fire 🗸 🗸 🗴 🗸 🗸 🗴 Flood 🗸 🗸 🗸 🗴 🗴 🗴 Theft 🗸 🗸 🗴 🗸 🗸 🗴 Vandalism 🗸 🗸 🗸 🗴 🗴 🗴Medical expenses Windscreen 🗴 🗴 🗴 🗸 🗴 🗴 🗴 🗴 🗴 Section 3 –Personal accident Foreign use 🗸 🗴 🗸 🗸 🗴 🗸 Section 4 – Medical expenses 🗸 🗴 🗴 🗴 🗴 🗴 Section 5 – Personal belongings 🗸 🗴 🗴 🗴 🗴 🗴 Section 6 – Loss of keys and replacing locks 🗸 🗴 🗴 🗴 🗴 🗴 The General Terms, Conditions andSection 7 – Child seat 🗸 🗴 🗴 🗴 🗴 🗴 Cover continued Section name Comprehensive Exceptions apply to all sections of the Accidental Damage & Third Party Only Third party Fire & theft policy. IMPORThird party only Section 8 – Foreign use 🗸 🗴 🗸 🗸 🗴 🗸 Section 9 – Inflatable storage device 🗸 🗴 🗴 🗴 🗴 🗴 Section 10 – Motor legal expenses 🗸 🗴 🗸 🗸 🗴 🗴 Section 1 – Liability to others Driving your vehicle 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. Driving other cars We will also provide the TANT: shown above (Youthis is shown on can certificate 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 only have Accidental Dama• Driving a car that does not have a valid MOT ge Fire & Theft cover anunless exemptd Fire & Theft coveror if your vehicle taxed, 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 Other people driving or using your vehicle 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 Legal personal representatives 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 insuranceis 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. Where we may cancel your policy 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 The insurance cover you have 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 Section 1 – Liability to others 🗸 �� 🗸 �� 🗴 🗸 Section 2 – Loss of or damage to your vehicle 🗸 �� 🗸 🗸 🗸 🗴 Accident damage 🗸 🗸 🗸 🗴 🗴 🗴 Malicious damage 🗸 🗸 🗸 🗴 🗴 🗴 Fire 🗸 🗸 🗴 🗸 🗸 🗴 Flood 🗸 🗸 🗸 🗴 🗴 🗴 Theft 🗸 🗸 🗴 🗸 🗸 🗴 Vandalism 🗸 🗸 🗸 🗴 🗴 🗴 Windscreen 🗸 🗴 🗴 �� 🗴 🗴 Section 3 – Foreign use 🗸 🗴 🗸 🗸 🗴 🗸 Section 4 – Medical expenses 🗸 🗴 🗴 🗴 🗴 🗴 Section 5 – Personal belongings 🗸 🗴 🗴 🗴 🗴 🗴 Section 6 – Loss of keys and replacing locks 🗸 🗴 🗴 🗴 🗴 🗴 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. Where we may cancel your policy 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 The insurance cover you have 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 Section 1 – Liability to others 🗸 🗴 🗸 🗸 🗴 🗸 Section 2 – Loss of or damage to your vehicle 🗸 🗸 🗸 🗸 🗸 🗴 Accident damage 🗸 🗸 🗸 🗴 🗴 🗴 Malicious damage 🗸 🗸 🗸 🗴 🗴 🗴 Fire 🗸 🗸 🗴 🗸 🗸 🗴 Flood 🗸 🗸 🗸 🗴 🗴 🗴 Theft 🗸 🗸 🗴 🗸 🗸 🗴 Vandalism 🗸 🗸 🗸 🗴 🗴 🗴Medical expenses Windscreen 🗴 🗴 🗴 🗸 🗴 🗴 🗴 🗴 🗴 Section 3 –Personal accident benefits Foreign use 🗸 🗴 🗸 🗸 🗴 🗸 Section 4 – Medical expenses 🗸 🗴 🗴 🗴 🗴 🗴 Section 5 – Personal be🗸 🗴 🗴 🗴 🗴 🗴 Section 7 – Foreign use 🗸 🗴 🗸 🗸 🗴 🗸 Section 8 – Breakdown assistance longings 🗸 🗴 🗴 🗴 🗴 🗴 Section 6 – Loss of keys and replacing locks 🗸 🗴 🗴 🗴 🗴 🗴 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. Where we may cancel your policy 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 The insurance cover you have 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. 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. 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 Section 1 – Liability to others 🗸 🗴 🗸 🗸 🗴 🗸 Section 2 – Loss of or damage to your vehicle 🗸 🗸 🗸 🗸 🗸 🗴 Accident damage 🗸 🗸 🗸 🗴 🗴 🗴 Malicious damage 🗸 🗸 🗸 🗴 🗴 🗴 Fire 🗸 🗸 🗴 🗸 🗸 🗴 Flood 🗸 🗸 🗸 🗴 🗴 🗴 Theft 🗸 🗸 🗴 🗸 🗸 🗴 Vandalism 🗸 🗸 🗸 🗴 🗴 🗴Medical expenses Windscreen 🗴 🗴 🗴 🗸 🗴 🗴 🗴 🗴 🗴 Section 3 –Personal accident benefits Foreign use 🗸 🗴 🗸 🗸 🗴 🗸 Section 4 – Medical expenses 🗸 🗴 🗴 🗴 🗴 🗴 Section 5 – Personal belongings 🗸 🗴 🗴 🗴 🗴 🗴 Section 6 – Loss of keys and replacing locks 🗸 🗴 🗴 🗴 🗴 🗴 The General Terms, Conditions andSection 7 – Child seat 🗸 🗴 🗴 🗴 🗴 🗴 Cover continued Section name Comprehensive Exceptions apply to all sections of the Accidental Damage & Third Party Only Third party Fire & theft policy. IMPORThird party only Section 8 – Foreign use 🗸 🗴 🗸 🗸 🗴 🗸 Section 9 - Inflatable storage device 🗸 🗴 🗴 🗴 🗴 🗴 Section 10 – Track day TANT: 🗸 🗸 🗸 🗴 🗴 🗴 Section 11 - UK breakdown assistance 🗸 🗴 🗴 🗴 🗴 🗴 Section 1 – Liability to others Driving your vehicle 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. Driving other cars We will also provide the cover shown above (Youthis is shown on can certificate 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 only have Accidental Dama• Driving a car that does not have a valid MOT ge Fire & Theft cover anunless exemptd Fire & Theft coveror if your vehicle taxed (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 Other people driving or using your vehicle 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 Legal personal representatives 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 insuranceis 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. Where we may cancel your policy 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 The insurance cover you have 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 Section 1 – Liability to others 🗸 🗴 🗸 🗸 🗴 🗸 Section 2 – Loss of or damage to your vehicle 🗸 🗸 🗸 🗸 🗸 🗴 Accident damage 🗸 🗸 🗸 🗴 🗴 🗴 Malicious damage 🗸 🗸 🗸 🗴 🗴 🗴 Fire 🗸 🗸 🗴 🗸 🗸 🗴 Flood 🗸 🗸 🗸 🗴 🗴 🗴 Theft 🗸 🗸 🗴 🗸 🗸 🗴 Vandalism 🗸 🗸 🗸 🗴 🗴 🗴 Windscreen 🗸 🗴 🗴 🗴 🗴 🗴 Section 3 – Foreign use 🗸 🗴 🗸 🗸 🗴 🗸 Seaccident 🗸 🗴 🗴 🗴 🗴 🗴 Section 6 – Personal ction 4 – Medical expenses 🗸 �� 7 🗴 🗴 🗴 🗴 Section 5 – Personal belongings 🗸 Section 8 – Unauthorised use 🗸 🗴 🗸 🗸 🗴 🗸 Section 9 – Unlicensed drivers 🗸 🗴 🗸 🗸 🗴 🗸 🗴 🗴 🗴 🗴 🗴 Section 6 – Loss of keys and replacing locks 🗸 🗴 🗴 🗴 🗴 🗴 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.