Premier KeyBack Policy

This insurance policy has been arranged on your behalf by Motorplus Limited t/a Coplus and is underwritten by Astrenska

Insurance Limited. This cover is provided to you in return for payment of the premium.

Coplus is a trading name of Motorplus Limited. Registered in England and Wales with Company No. 03092837.

Head Office: Floor 2, Norfolk Tower, 48-52 Surrey Street, Norwich NR1 3PA.

Registered Office: Speed Medical House, Eaton Avenue, Buckshaw Village, Chorley, Lancashire PR7 7NA.

Motorplus Limited is authorised and regulated by the Financial Conduct Authority (309657).

KEJC-0002 Page 1

To make a claim:

Call: 0333 241 9574

Email: [email protected]

Address: Coplus, Floor 2 Norfolk Tower, 48-52 Surrey Street, Norwich, NR1 3PA

Claim must be reported within 30 days after the date of event.

Contents

Who does it cover? .............................................................................................................................................................................. 1

Key requirements ................................................................................................................................................................................ 1

Your responsibility ............................................................................................................................................................................... 1

How to make a claim ........................................................................................................................................................................... 2

Our regulator and insurer .................................................................................................................................................................... 2

Privacy Statement ............................................................................................................................................................................... 2

How to make a complaint .................................................................................................................................................................... 2

Financial Services Compensation Scheme ......................................................................................................................................... 3

Sanctions ............................................................................................................................................................................................. 3

Definitions ............................................................................................................................................................................................ 3

Cover ................................................................................................................................................................................................... 4

Safeguarding your keys ....................................................................................................................................................................... 4

General conditions .............................................................................................................................................................................. 5

General exclusions .............................................................................................................................................................................. 6

Other formats ...................................................................................................................................................................................... 7

Telephone calls ................................................................................................................................................................................... 7

Fraud prevention, detection and claims history ................................................................................................................................... 7

Renewal procedure ............................................................................................................................................................................. 7

Contracts (Rights of Third Parties) Act 1999 ....................................................................................................................................... 7

Your agreement with others ................................................................................................................................................................ 7

Governing law ..................................................................................................................................................................................... 7

Astrenska Privacy Notice..................................................................................................................................................................... 8

Who does it cover?

 The policyholder and any immediate member of their family, including named drivers for motor key cover;

 When the policyholder is a company this includes current employees authorised to use the relevant vehicle or property.

Key requirements

 Territorial limits are the Great Britain, Northern Ireland, Channel Islands or the Isle of Man;

 Stolen keys must be reported to the police and a valid crime reference obtained;

 All claims must be reported within 30 days of occurrence.

Your responsibility

You must take reasonable care to:

a) supply accurate and complete answers to all the questions your broker may ask as part of your application for cover

under the policy

b) make sure that all information supplied as part of your application for cover is true and correct

c) tell your broker of any changes to the answers you have given as soon as possible.

Premier KeyBack Policy

Coplus is a trading name of Motorplus Limited. Registered in England and Wales with Company No. 03092837.

Head Office: Floor 2, Norfolk Tower, 48-52 Surrey Street, Norwich NR1 3PA.

Registered Office: Speed Medical House, Eaton Avenue, Buckshaw Village, Chorley, Lancashire PR7 7NA.

Motorplus Limited is authorised and regulated by the Financial Conduct Authority (309657).

KEJC-0002 Page 2

You must take reasonable care to provide information that is accurate and complete answers to the questions your broker asks

when you take out, make changes to and renew your policy. If any information you provide is not accurate and complete, this may

mean your policy is invalid and that it does not operate in the event of a claim or we may not pay any claim in full.

If you become aware that information you have given your broker is inaccurate or has changed, you must inform them as soon as

possible.

This policy must be read together with your current schedule, Insurance Product Information Document and any endorsements or

certificates. These items together form your contract of insurance.

How to make a claim

In the event of a claim, please contact us as soon as reasonably possible after the insured event giving us as much information as

you can about what has happened to bring about the claim.

Telephone: 0333 241 9574

Email: [email protected]

Or you can write to us at:

Coplus

Floor 2

Norfolk Tower

48-52 Surrey Street

Norwich

NR1 3PA

Claims must be reported to us within 30 days of occurrence and if an insured key has been stolen it must be reported to the police

immediately and a crime reference number obtained.

In order for us to help you more efficiently, please quote ‘KeyBack’ in all communications.

The claims line is open 24 hours a day, 365 days a year to assist you.

Our regulator and insurer

This insurance is arranged by Motorplus Limited t/a Coplus and underwritten by Astrenska Insurance Limited, whose registered office

is at Cutlers Exchange, 123 Houndsditch, London, EC3A 7BU. This insurance is effected in England and is subject to the Laws of

England and Wales.

Astrenska Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority

and the Prudential Regulation Authority. Financial services register number 202846. These details can be checked on the Financial

Services Register by visiting: www.fca.org.uk or by contacting the Financial Conduct Authority on 0800 111 6768.

Motorplus Limited t/a Coplus are authorised and regulated by the Financial Conduct Authority.

Privacy Statement

For full details of how we protect your privacy and process your data please read the Privacy Statement that accompanies this

policy. The Privacy Statement can also be viewed online by visiting https://www.coplus.co.uk/data-privacy-notice.

Why do we process your data?

The provision of your personal data is necessary for us to administer your insurance policy and meet our contractual requirements

under the policy. You do not have to provide us with your personal data, but we may not be able to proceed appropriately or handle

any claims if you decide not to do so.

What information do we collect about you?

Where you have purchased an insurance policy through one of our agents, you will be aware of the information that you gave to

them when taking out the insurance. The agent will pass your information to us so that we can administer your insurance policy. For

specific types of insurance policies, for example when offering you a travel insurance policy, we may process some special

categories of your personal data, such as information about your health.

We have a legitimate interest to collect this data as we are required to use this information as part of your insurance quotation or

insurance policy with us. We may also process the data where it is necessary for a legal obligation, or as part of the establishment

or defence of a legal claim.

How to make a complaint

It is the intention to give you the best possible service but if you do have any questions or concerns about this insurance or the

handling of a claim you should follow the Complaints Procedure below:

Premier KeyBack Policy

Coplus is a trading name of Motorplus Limited. Registered in England and Wales with Company No. 03092837.

Head Office: Floor 2, Norfolk Tower, 48-52 Surrey Street, Norwich NR1 3PA.

Registered Office: Speed Medical House, Eaton Avenue, Buckshaw Village, Chorley, Lancashire PR7 7NA.

Motorplus Limited is authorised and regulated by the Financial Conduct Authority (309657).

KEJC-0002 Page 3

Sale of the policy:

Please contact your broker who arranged the Insurance on your behalf.

Claims:

If your complaint is about the handling of a claim, please contact:

The Quality Assurance Manager

Coplus

Floor 2

Norfolk Tower

48-52 Surrey Street

Norwich

NR1 3PA

Telephone: 0333 241 9574

Email: [email protected]

If it is not possible to reach an agreement, you have the right to make an appeal to the Financial Ombudsman Service. This also

applies if you are insured in a business capacity and have an annual turnover of less than €2million and fewer than ten employees.

You may contact the Financial Ombudsman Service at:

The Financial Ombudsman Service,

Exchange Tower,

London,

E14 9SR.

Tel: 0300 123 9123

Email: [email protected].uk

The above complaints procedure is in addition to your statutory rights as a consumer. For further information about your statutory

rights contact your local Citizens Advice Bureau.

If you have purchased the insurance policy online, you may also raise your complaint via the EU Online Dispute Resolution Portal

at http://ec.europa.eu/consumers/odr/. This will forward your complaint to the correct Alternative Dispute Resolution scheme. For

insurance complaints in the UK this is the Financial Ombudsman Service. However, this may be a slower route for handling your

complaint than if you contact the Financial Ombudsman Service directly.

Financial Services Compensation Scheme

Astrenska Insurance Limited is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to

compensation from the scheme, if Astrenska Insurance Limited cannot meet their obligations. This depends on the type of business

and the circumstances of the claim. Most insurance contracts are covered for 90% of the claim with no upper limit. You can get

more information about compensation scheme arrangements from the FSCS or visit www.fscs.org.uk.

You may also contact the FSCS on their Freephone number: 0800 678 1100 or 020 7741 4100 or you can write to: Financial

Services Compensation Scheme, P O Box 300, Mitcheldean, GL17 1DY.

Sanctions

We shall not provide cover or be liable to pay any claim or other sums, including return premiums, where this would expose us to

any sanction, prohibition or restriction under United Nations resolutions, asset freezing or trade or economic sanctions, laws or

regulations of the European Union, United Kingdom, and/or all other jurisdictions where we transact business.

Definitions

The words and phrases listed below will have the same meanings wherever they appear in this policy. These words and phrases

can be identified in bold throughout the policy.

Wording

Meaning

Home

A building owned or rented by you and occupied by you as your main residence

which is used solely for domestic residential purposes and is situated within the

territorial limits.

Insured Key/Keys

Any vehicle, home or office keys (including security safe keys and any immobiliser,

infrared handset and/or alarm which is integral to any insured key if it cannot be

repaired or reprogrammed).

Premier KeyBack Policy

Coplus is a trading name of Motorplus Limited. Registered in England and Wales with Company No. 03092837.

Head Office: Floor 2, Norfolk Tower, 48-52 Surrey Street, Norwich NR1 3PA.

Registered Office: Speed Medical House, Eaton Avenue, Buckshaw Village, Chorley, Lancashire PR7 7NA.

Motorplus Limited is authorised and regulated by the Financial Conduct Authority (309657).

KEJC-0002 Page 4

Insurer

Astrenska Insurance Limited.

Period of insurance

12 months from the date of inception of this policy.

Security Risk

The risk arising from the accidental loss or theft of an insured key whilst in your

personal custody which means it may be possible for someone who found the key to

trace it to your vehicle or property. The decision as to whether or not your lost

insured keys presents a security risk will be made by us.

Territorial limits

Great Britain, Northern Ireland, Channel Islands and the Isle of Man.

Terrorism

Any direct or indirect consequence of terrorism as defined by the Terrorism Act 2000

and any amending or substituting legislation.

Vehicle

Any motor vehicle owned by you or for which you are responsible, associated with

your insured keys.

We/our/us

Motorplus Limited t/a Coplus acting on behalf of Astrenska Insurance Limited.

You/Your/Insured

The policyholder and any immediate member of the policyholder’s family, including

named drivers of the vehicle. Where the policyholder is a company this includes

employees of the company, employed by the company during the period of

insurance who are authorised to use the relevant vehicle or property.

Cover

What is covered?

What is excluded?

1. When your insured keys are lost, stolen or damaged by

accidental means within the territorial limits, the insurer

will pay up to £1,500 in any one period of insurance in

respect of:

a) locksmiths charges;

b) new locks (if a security risk has arisen); and

c) replacement insured keys.

2. Vehicle hire for a period of up to 3 days if your vehicle is

unusable as a result of the insured keys being lost,

stolen or damaged by accidental means. The insurer will

pay up to a maximum of £40 per day for a hire vehicle

such as a Ford Focus 1.6 or a Peugeot 307 1.6 (ABI class

S4).

3. The cost of reasonably incurred onward transportation if

you are stranded due to the insured keys being lost,

stolen or damaged by accidental means, up to a

maximum of £100 per day up to a maximum of 3 days.

4. If your insured keys are locked in your property or

vehicle you must report this to us and we will arrange for

a suitable contractor to attend. Upon validation of your

claim, the insurer will reimburse you for costs incurred in

obtaining a replacement key, or repairing or replacing any

damaged lock, up to the policy limit of £50.

5. Insured keys that are unusable due to being damaged or

broken in the lock up to the policy limit of £50.

1. We will pay no more than £1,500 in total in any one

period of insurance for any and all claims.

2. Any insured keys that have been lost or stolen for a

period of less than 3 days (unless we are satisfied that a

delay would cause undue hardship or significant

expense). The decision as to what constitutes undue

hardship or significant expense will be made by us and

may depend upon whether you can access your home

or vehicle during the 3 day wait period or there is a

security risk following the loss or theft of the insured

keys.

3. Insured keys that are lost, stolen or damaged by

accidental means by someone other than you.

4. Any claim over £50 for any one incident when insured

keys are locked inside a property or vehicle or broken in

the lock or ignition.

Safeguarding your keys

There are a number of ways in which you can take precautions to better protect your keys as follows:

1. Never attach anything to your keys that contains your name, address or any details of where your car may frequently be

parked and never leave keys unattended.

2. Never hide keys under door mats, bins or on top of window frames as an opportunistic thief may be watching, or may guess

where keys may be hidden.

3. Never leave doors or windows open, even by a small amount.

Premier KeyBack Policy

Coplus is a trading name of Motorplus Limited. Registered in England and Wales with Company No. 03092837.

Head Office: Floor 2, Norfolk Tower, 48-52 Surrey Street, Norwich NR1 3PA.

Registered Office: Speed Medical House, Eaton Avenue, Buckshaw Village, Chorley, Lancashire PR7 7NA.

Motorplus Limited is authorised and regulated by the Financial Conduct Authority (309657).

KEJC-0002 Page 5

4. Never leave your keys in your vehicle, even for a moment, especially when you are visiting petrol stations, or whilst loading

or unloading your vehicle. Always lock your car when leaving it.

5. Do not keep duplicate keys on the same key ring as your main keys.

6. Burglars are increasingly turning to key crime as sophisticated security measures are now fitted as standard to new cars, and

have been known to break into homes and offices just to steal car keys. Never leave car keys close to the front door where

they can be seen.

General conditions

The following conditions apply to all sections of this policy. You must comply with them where applicable for your insurance to

remain in full force and effect.

1. Claims

You must notify us within 30 days of any event which gives or may give rise to a claim, complete any forms requested by us or

your insurance broker and promptly supply all information including any receipts and invoices for payment as required. If an

insured key has been stolen it must be reported to the police immediately and a crime reference number obtained. If you do

not own your property and your claim is in relation to the keys to your home, we may require permission from the owner,

landlord or managing agent of the property to replace lost or stolen keys.

2. Cancellation

If you decide that for any reason, this policy does not meet your insurance needs then please return it to your insurance

broker within 14 days from the day of purchase or the day on which you receive your policy documentation, whichever is the

later. On the condition that no claims have been made or are pending, we will then refund your premium in full.

You may cancel the insurance cover after 14 days by informing your insurance broker, however no refund of premium will be

payable.

The insurer shall not be bound to accept renewal of any insurance and may at any time cancel any insurance document by

giving 30 days’ notice in writing where there is a valid reason for doing so. A cancellation letter will be sent to you at your last

known address. Valid reasons may include but are not limited to:

a) Where the insurer reasonably suspects fraud

b) Non-payment of premium

c) Threatening and abusive behaviour

d) Non-compliance with policy terms and conditions

e) You have not taken reasonable care to provide accurate and complete answers to the questions we or your insurance

broker ask.

If the insurer cancels the policy and/or any additional covers you will receive a refund of any premiums you have paid for the

cancelled cover, less a proportionate deduction for the time the insurer has provided cover.

Where the insurer’s investigations provide evidence of fraud or misrepresentation, the insurer may cancel the policy

immediately and backdate the cancellation to the date of the fraud or the date when you provided us with incomplete or

inaccurate information. This may result in your policy being cancelled from the date you originally took it out and the insurer

will be entitled to keep the premium.

If your policy is cancelled because of fraud or misrepresentation, this may affect your eligibility for insurance with the insurer,

as well as other insurers, in the future.

3. Arbitration Clause

A dispute between you and us may arise, which may be referred to an arbitrator, who shall be either a solicitor or a barrister

who you and we agree on in writing. If an arbitrator cannot be agreed then an arbitrator will be appointed by the authorised

body identified in the current arbitration legislation. The decision of the arbitration shall be final and binding on both parties and

he or she will decide who should pay the costs of the arbitration. If costs are awarded against you, they are not covered under

this policy. This arbitration condition does not affect your rights to take separate legal action.

If a disputed claim is not referred to arbitration within 12 months of your claim being turned down, we will treat the claim as

abandoned.

4. Fraudulent Claims

You must not act in a fraudulent way. If you or anyone acting for you:

 fails to reveal or hides a fact likely to influence whether we accept your proposal, your renewal, or any adjustment to

your policy;

 fails to reveal or hides a fact likely to influence the cover we provide;

Premier KeyBack Policy

Coplus is a trading name of Motorplus Limited. Registered in England and Wales with Company No. 03092837.

Head Office: Floor 2, Norfolk Tower, 48-52 Surrey Street, Norwich NR1 3PA.

Registered Office: Speed Medical House, Eaton Avenue, Buckshaw Village, Chorley, Lancashire PR7 7NA.

Motorplus Limited is authorised and regulated by the Financial Conduct Authority (309657).

KEJC-0002 Page 6

 makes a statement to us or anyone acting on our behalf, knowing the statement to be false;

 sends us or anyone acting on our behalf a document, knowing the document to be forged or false;

 makes a claim under the policy, knowing the claim to be false or fraudulent in any way;

 makes a claim for any loss or damage you caused deliberately or with your knowledge; or

 makes a claim which is in any way dishonest or exaggerated;

we will not pay any benefit under this policy or return any premium to you and we may cancel your policy immediately and

backdate the cancellation to the date of the fraudulent claim. We may also take legal action against you and inform the

appropriate authorities.

5. Severability Clause

If any term of this contract of insurance is to any extent invalid, illegal or incapable of being enforced, such term will be

excluded to the extent of such invalidity, illegality or unenforceability; all other terms will remain in full force and effect.

6. Acts of Parliament

All references to Acts of Parliament in this policy shall include the equivalent laws in Scotland, Northern Ireland, the Isle of Man

and the Channel Islands and shall include any subsequent amendments, re-enactments or regulations.

General exclusions

The following exclusions apply to this insurance contract:

5. Any insured keys that are lost, damaged by accidental means or stolen and not reported to us within 30 days of

occurrence.

6. We will not replace locks or insured keys to a higher specification to those that are lost, damaged or stolen.

7. Locks which were previously damaged prior to the loss or theft of your insured keys.

8. Costs incurred where we arrange for the attendance of a locksmith or other tradesmen, agent or representative at a

particular location and you fail to attend.

9. Costs incurred where you make alternative arrangements with a third party, after we have already instructed a locksmith

or other tradesman to attend a particular location.

10. Claims arising as a result of your failure to take reasonable steps to safeguard insured keys.

11. Any claims made without valid receipts or tickets and prior authorisation by us.

12. Any claims made within 48 hours of the inception of this policy unless comparable insurance was previously in place and

cover continues on an uninterrupted basis.

13. Any direct or indirect consequence of war, civil war, invasion, acts of foreign enemies (whether war be declared or not),

rebellion, revolution, insurrection, military or usurped power, or confiscation, nationalisation, requisition, destruction of or

damage to property by or under the order of any government, local or public authority;

14. Any direct or indirect consequence of terrorism as defined by the Terrorism Act 2000 and any amending or substituting

legislation;

15. Any direct or indirect consequence of: Irradiation, or contamination by nuclear material; or The radioactive, toxic,

explosive or other hazardous or contaminating properties of any radioactive matter; or Any device or weapon which

employs atomic or nuclear fission or fusion or other comparable reaction or radioactive force or matter.

16. Loss or damage caused by war, invasion, foreign enemy hostilities (whether war is declared or not), civil war, terrorism,

rebellion, revolution, military force or coup, or confiscation, nationalisation, requisition, destruction of or damage to

property by or under the order of any government, local or public authority.

17. Any claims arising from any deliberate or criminal act or omission by you.

18. Loss or theft of, or damage to insured keys occurring outside the period of insurance.

19. If your insured key ceases to function correctly a diagnostic check may be requested at your own expense. This is to

confirm if the fault is with the insured key or the vehicle. Only faults identified as relating to the insured key are covered

under this policy.

Premier KeyBack Policy

Coplus is a trading name of Motorplus Limited. Registered in England and Wales with Company No. 03092837.

Head Office: Floor 2, Norfolk Tower, 48-52 Surrey Street, Norwich NR1 3PA.

Registered Office: Speed Medical House, Eaton Avenue, Buckshaw Village, Chorley, Lancashire PR7 7NA.

Motorplus Limited is authorised and regulated by the Financial Conduct Authority (309657).

KEJC-0002 Page 7

20. Any associated costs (other than the cost of replacing the insured keys) if there are duplicate keys available to you

immediately or within a reasonable period of time, unless we are satisfied that accessing your duplicate keys would cause

undue hardship or significant expense. The decision as to what constitutes undue hardship or significant expense will be

made by us and may depend upon how easily you can access your duplicate keys.

21. Keys which are given to you for safekeeping by a relative, friend, neighbour or employer.

22. Any loss of earnings or profits which you suffer as a result of the loss or theft of, or damage to an insured key.

23. Stolen insured keys which have not been reported to the police and a valid crime reference provided to us.

24. Wear, tear or general maintenance of insured keys or locks.

25. Any consequence, howsoever caused, including but not limited to Computer Virus in Electronic Data being lost, destroyed,

distorted, altered, or otherwise corrupted.

For the purposes of this policy, Electronic Data shall mean facts, concepts and information stored to form useable for

communications, interpretations, or processing by electronic or electromechanical data processing or other electronically controlled

hardware, software and other coded instructions for the processing and manipulation of data, or the direction and manipulation of

such hardware.

For the purposes of this policy, Computer Virus shall mean a set of corrupting, harmful, or otherwise unauthorised instructions or

code, whether these have been introduced maliciously or otherwise, and multiply themselves through a computer system or

network of whatsoever nature.

Other formats

If you require this document in any other format please do not hesitate to contact us.

Telephone calls

Please note that for our mutual protection telephone calls may be monitored or recorded.

Fraud prevention, detection and claims history

In order to prevent and detect fraud we may at any time:

 share information about you with other organisations and public bodies including the police;

 check and/or file your details with fraud prevention agencies and databases, and if you give us false or inaccurate

information and we suspect fraud, we will record this.

We and other organisations may also search these agencies and databases to:

 help make decisions about the provision and administration of insurance, credit and related services for you and members

of your household;

 trace debtors or beneficiaries, recover debt, prevent fraud and to manage your accounts or insurance policies;

 check your identity to prevent money laundering, unless you provide us with other satisfactory proof of identity;

 undertake credit searches and additional fraud searches.

Renewal procedure

The term of your policy is 12 months. The period of insurance will end exactly one year after inception unless you renew your

policy. If you wish to renew this insurance policy please contact your broker who will be able to discuss your requirements.

Contracts (Rights of Third Parties) Act 1999

The terms of this policy are only enforceable by the named insured. A person who is not a named insured has no rights under the

Contracts (Rights of Third Parties) Act 1999 to enforce any term of this policy but this does not affect any right or remedy of a third

party, which exists or is available apart from that Act.

Your agreement with others

This contract of insurance is personal to you the policyholder, and the insurer.

We will not be bound by any agreement between you and your appointed representative, or you and any other person or

organisation.

You may not assign any of the rights under this policy without the insurer’s express prior written consent.

Governing law

Unless some other law is agreed in writing, this policy is governed by English law. If there is a dispute, it will only be dealt with in

the courts of England or of the country within the United Kingdom in which your main residence is situated.

Premier KeyBack Policy

Coplus is a trading name of Motorplus Limited. Registered in England and Wales with Company No. 03092837.

Head Office: Floor 2, Norfolk Tower, 48-52 Surrey Street, Norwich NR1 3PA.

Registered Office: Speed Medical House, Eaton Avenue, Buckshaw Village, Chorley, Lancashire PR7 7NA.

Motorplus Limited is authorised and regulated by the Financial Conduct Authority (309657).

KEJC-0002 Page 8

Astrenska Privacy Notice

How we use the information about you

As your insurer and a data controller, we collect and process information about you so that we can provide you with the products

and services you have requested. We also receive personal information from your agent on a regular basis while your policy is still

live. This will include your name, address, risk details and other information which is necessary for us to:

• Meet our contractual obligations to you;

• issue you this insurance policy;

• deal with any claims or requests for assistance that you may have

• service your policy (including claims and policy administration, payments and other transactions); and,

detect, investigate and prevent activities which may be illegal or could result in your policy being cancelled or treated as if it never

existed;

• protect our legitimate interests

In order to administer your policy and deal with any claims, your information may be shared with trusted third parties. This will

include members of The Collinson Group, contractors, investigators, crime prevention organisations and claims management

organisations where they provide administration and management support on our behalf. Some of these companies are based

outside of the European Union where different data privacy laws apply. Wherever possible, we will have strict contractual terms in

place to make sure that your information remains safe and secure.

We will not share your information with anyone else unless you agree to this, or we are required to do this by our regulators (e.g.

the Financial Conduct Authority) or other authorities.

The personal information we have collected from you will be shared with fraud prevention agencies and databases who will use it to

prevent fraud and money-laundering and to verify your identity. If fraud is detected, you could be refused certain services, finance,

or employment. Further details of how your information will be used by us and these fraud prevention agencies and databases, and

your data protection rights, can be found by visiting www.cifas.org.uk/fpn and www.insurancefraudbureau.org/privacy-policy.

Processing your data

Your data will generally be processed on the basis that it is:

• necessary for the performance of the contract that you have with us;

• is in the public or your vital interest: or

• for our legitimate business interests.

If we are not able to rely on the above, we will ask for your consent to process your data.

How we store and protect your information

All personal information collected by us is stored on secure servers which are either in the United Kingdom or European Union.

We will need to keep and process your personal information during the period of insurance and after this time so that we can meet

our regulatory obligations or to deal with any reasonable requests from our regulators and other authorities.

We also have security measures in place in our offices to protect the information that you have given us.

How you can access your information and correct anything which is wrong

You have the right to request a copy of the information that we hold about you. If you would like a copy of some or all of your

personal information please contact us by email or letter as shown below:

Email address: [email protected]

Postal Address: Cutlers Exchange, 123 Houndsditch, London EC3A 7BU

This will normally be provided free of charge, but in some circumstances, we may either make a reasonable charge for this service,

or refuse to give you this information if your request is clearly unjustified or excessive.

We want to make sure that your personal information is accurate and up to date. You may ask us to correct or remove information

you think is inaccurate.

If you wish to make a complaint about the use of your personal information, please contact our Complaints manager using the

details above. You can also complain directly to the Information Commissioner’s Office (ICO). Further information can be found at

https://ico.org.uk/.