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<printcontroltag><brand>Carole Nash</brand><product>Car</product><packtype>RENINV</packtype><clientid>426114/002</clientid><policyref></policyref><costcentre>CRLNASH</costcentre><postage>2nd Class</postage></printcontroltag>

insurance

Insure with confidence

Tailored insurance to suit

your needs
Mr Rowland Travis We compare prices from different
11 The Birchills insurers, so you don’t have to. It’s all
Creswell part of helping you insure with
WORKSOP
S80 4SX confidence.

Whenever you need us

carolenash.com/
Hello Rowland 7th February 2025 myaccount
Safely and securely manage your
Good news! We’ll automatically renew your policy policy at any time. Register today.
It's easy to get online!
Your current insurer has not provided a renewal quote this year. Don’t worry though we’ve searched
our panel of insurers and the lowest price is from Highway Insurance Company Limited.
Chat with us online
Your current policy includes an agreed value for your Car, however the alternative policy that we are
offering does not include this cover. If you would like to continue with the agreed value cover then www.carolenash.com
please call us on 0333 005 2127. Mon - Fri: 9am - 6pm
Sat: 9am - 5pm
If you are happy with your renewal price you can relax as we’ll take care of everything for you and
renew you with this insurer. This will be taken from the credit/debit card ending **** on 3rd March
2025. Call us on 0333 005 2127
Mon - Fri: 9am - 6pm
Sat: 9am - 5pm
Your policy renewal summary

Your new price this year is £647.73, which includes your insurance premium and You’ve made a great choice
fees. to automatically renew
Please see over the page for a full breakdown.
As a comparison, last year’s equivalent price was £576.37. If you’d prefer we didn’t automatically
renew your policy that’s fine too. You
Policy No: 1081177024054348 Your Reference: 426114/002 can contact us using the details above.
Renewal Date: 9th March 2025 Level of cover: Classic

Type of cover: Comprehensive Vehicle Reg: X474JKU

Drivers: Rowland Travis Make & Model: FIAT DUCATO HYMER

Compulsory excess: £200 Voluntary excess: £0

Insurer: Highway Insurance Company Limited

Inclusive Extras: Motor Legal Expenses

Optional Extras: None

You have been with us a number of years. You may be able to get the insurance cover you want at a
better price if you shop around. We value your business, we’d love you to stay with us.

Let’s make sure you have the right policy

Take a moment to check your details in the renewal summary above and the enclosed documents to
be sure:

Carole Nash is a trading name of Carole Nash Insurance Consultants Limited. Authorised and Regulated by the Financial Conduct Authority under firm reference number 307243.
Registered address: Embankment West Tower, 101 Cathedral Approach, Salford, M3 7FB.
 • We have your most up to date information
• This new policy is with a different insurer so please make sure this policy meets your needs.You can find details of the differences in cover between
your new quote and your current insurance in the Material differences section of this pack.
• You’re happy with any excesses and endorsements that may have changed

If you’d like to change anything or something is not quite right, please contact us straight away so we can fix it for you.

We have you covered for another year

Your policy will automatically renew - and we’ll take the full payment on the card details we have for you.

If you have any questions at all about your cover or do not wish to renew automatically, get in touch - chat with us online at www.carolenash.com or call
us on 0333 005 2127.

Thanks again for continuing to choose Carole Nash for your Car insurance.

Yours sincerely

The Carole Nash Team

Your renewal policy price and payment options

Pay in full by card

£647.73 Total

The cost of your insurance will be £607.73, there is also a Carole Nash fee called a “service charge” of £40. This service charge may include a fee,
which we have added to the cost of your insurance. This may be instead of also taking some commission from your insurer.
This means you will pay a total of £647.73. The cost of your insurance includes insurance premium tax.

Or pay in instalments through our partner Close Brothers Premium Finance

£725.46 Total

You’d pay a credit amount of £77.73. This means the total amount payable is £725.46.
Paying for your policy with monthly instalments will cost you £77.73 more than if you were to pay annually in one payment based on a 12% Fixed
interest rate and 26.1% Representative APR.

This will be taken from the credit/debit card we have on file for you on 3rd March 2025. You have previously agreed that we can use these details to renew
your policy automatically to ensure you remain covered. If you don’t want us to automatically take payment please let us know before your renewal date.

To give you the flexibility to pay for your insurance monthly we work with our partner Close Brothers Premium Finance, if you do choose to pay by Direct
Debit you will see ‘Close - Carole Nash’ on your bank statement. If you default on this agreement then a £25 default fee will apply when the arrears are
collected. Please think about whether you are comfortable with the amount you are borrowing and you are confident you can pay it back even if your
circumstances change.

Your documents
Enclosed you will find the following documents. Please keep them in a safe place.

Demands & Needs Policy Schedule Statement of fact

Insurance Product Information

Terms of Business
Document

Carole Nash is a trading name of Carole Nash Insurance Consultants Limited. Authorised and Regulated by the Financial Conduct Authority under firm reference number 307243.
Registered address: Embankment West Tower, 101 Cathedral Approach, Salford, M3 7FB.
 Insurance Schedule - Key policy differences
Please ensure you're happy with the key policy differences highlighted in the table below. Full wording applicable to these can be found on your Insurance
Schedules enclosed with this pack.

Lowest Alternative Quote Existing Insurer

Excesses Accidental Damage Fire And Theft - £200 Accidental Damage Fire And Theft - £200
Windscreen - £75 Windscreen - £75

Voluntary Excess Nil Nil

Driving other vehicles No No

The insurer has endorsed your cover in the following areas:

Endorsements B14 - Comp Audio B14 - Comp Audio

424 - Unlimited windscreen cover B25 - Windscreen £600
E388 - Motor Home Endorsement E388 - Motor Home Endorsement
E389 - Increased Personal Belongings E389 - Increased Personal Belongings
261 - Limited Mileage 1,000 261 - Limited Mileage 1,000
E346 - Extended European Cover E346 - Extended European Cover
E369 - Overnight Accommodation E369 - Overnight Accommodation
E370 - New Vehicle Replacement E370 - New Vehicle Replacement
265 - Club Membership

We're here to help all our customers and that includes providing our
communications in formats which meet your needs. Please get in touch
if you would like this letter in Large Print, Braille or Audio, in a format Rated 4.3 out of 5 stars based on
suitable for dyslexia or if you are colour blind. 22,904 reviews of all products as
of December 2023

Carole Nash is a trading name of Carole Nash Insurance Consultants Limited. Authorised and Regulated by the Financial Conduct Authority under firm reference number 307243.
Registered address: Embankment West Tower, 101 Cathedral Approach, Salford, M3 7FB.
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Demands and Needs Statement As we use real-time pricing, you may occasionally be quoted a different price when you click
through from a price comparison site to our website, or when you get a quote directly from our
This policy meets the demands and needs of those who require accidental damage, fire and theft website and return to purchase at a later date.
cover for their Car including Motor Legal Expenses cover.
4. Handling Money
Carole Nash Insurance Consultants Limited Terms We act as agents of the insurer in collecting premiums and handling refunds due to clients. Such
monies are deemed to be held by the insurer(s) with which your insurance is arranged. We will
of Business - Term01 / Version 05 1st November, 2024 retain your bank account details to pay or refund other premiums that may become due following
changes to your policy and for the purpose of automatic renewal. We will retain your debit/credit
Please read this Terms of Business document carefully as it contains important information card details to allow us to process any refunds due. Where we have permission, we will also retain
of which you should be aware. If you are unclear about any aspect of these Terms of your card details for any future payments that may be due which depending on the permission
Business or have any questions please contact our Customer Services team on 0333 005 you gave may also include automatically renewing your policy, taking full premium payment before
2127 or write to us at: your renewal date. If you do not want us to use your credit/debit card for these purposes, please
contact our customer service team on the telephone number above.
Carole Nash Insurance Consultants Ltd, Embankment West Tower, 101 Cathedral Approach,
Salford, M3 7FB
5. Payment for Our Services
In addition to the premiums charged by your insurer, we will also charge you the following fees
1. Accepting our Terms of Business for arranging and administering your brokered products (see section no.3, Our Service).
By asking us to quote for, arrange or handle your insurances, you are providing your informed
agreement to these Terms of Business. These fees and charges are non-refundable and are payable at the time of the transaction
to which it relates:
Calls may be recorded for training, monitoring and reviewing purposes.
Fees and Charges Amount
2. Regulation
Carole Nash Insurance Consultants Limited is authorised and regulated by the UK Financial Arranging your new policy* £40.00
Conduct Authority (FCA). Our FCA register number is 307243. Our permitted business is introducing,
arranging, dealing as an agent, assisting in the administration and performance of general insurance Arranging your policy renewal* £40.00
contracts and credit broking in relation to insurance instalment facilities. You may check this on
the FCA's register by visiting the FCA website, www.fca.org.uk. Amendments to your policy* Agent Assisted
£35.00
Carole Nash Insurance Consultants Limited is part of the group of companies owned by Markerstudy
Group Limited who have a direct holding in our business. My Account
£15.00
3. Our Service
As part of our ongoing monitoring process, we will check your
Carole Nash Insurance Consultants Limited is an intermediary and we will act on your behalf when
information. If we have to make any amendments to correct your £14.95
arranging and administering your insurance except for the circumstances described in section 4
information, you'll have to pay a £14.95 administration fee*
(Handling Money).

For all quotes and sales we source and arrange products but do not offer advice or make Refund issued to you by credit/debit card £0.00
recommendations, when arranging your insurance. However, we may ask some questions to
narrow down the selection of products on which we provide details. You will then need to make Refunds issued to you by cheque £20.00
your own choice about how to proceed.
Sending Correspondence Special Delivery £6.50
Where we can offer the availability of an instalment facility in order to pay the insurance premium,
we act as a credit broker and do not offer advice in relation to this. Dishonoured Cheque £19.50

Brokered Products: We offer Car insurance from a limited range of insurers, a list of the insurers Cancellation within the 'cooling off period' £0
we deal with is below. Please refer to your policy documentation for details of your insurer.
Cancellation after the 'cooling off period' £55.00
Additional Products: We only offer cover from one insurer for each product. If you have purchased
any additional products, please refer to your policy documentation for details of your insurer. Cancellation within 14 days due to failure to validate identity (This
includes cancellation following failure to pay any additional premium £55.00
If we propose using another intermediary to help place the business, we will confirm this to you in due as a result of an undisclosed claim)
good time before any arrangements are finalised.

Insurer Details: Please refer to your policy document for details of your insurer. A list of all insurers *In addition to the new policy, mid-term amendment and renewal arrangement fees, where your
we transact with is provided below. insurer pays us or we set the commission level at less than 25% commission an additional fee
may be levied. The monetary amount of any such fee will be fully disclosed to you prior to
purchasing/amending/renewing the policy. In the event that your policy is cancelled and there is
Insurer What we receive from your insurer* a refund of premium or there is a refund following a mid-policy change, a pro-rata refund of this
fee will be made.
Ageas Insurance Limited
You will be informed of the total price to be paid, including any fees, taxes and separately from
Aviva Insurance Limited the premium, before your insurance arrangements are concluded. If you have entered in to a credit
agreement with Close Brothers Premium Finance, we receive a percentage of the interest you
AXA Insurance UK plc pay from Close Brothers Premium Finance. You are entitled at any time to request information
regarding any commission which we have received as a result of placing your insurance business
Covea Insurance plc or arranging your premium finance.
Eridge Underwriting Agency Limited Where a transaction would result in a refund to you of less than £1 due to the cost of processing,
We receive commission, which is a
percentage of the annual premium. this amount will be retained by us as an additional service charge.
Highway Insurance Company Limited
6. Complaints
Inspire Motor Limited
We aim to provide you with a high level of customer service at all times, but if you are not satisfied,
please contact us:
KGM Underwriting Services Limited

Liverpool Victoria Insurance Company Limited By Telephone: Claims related 0333 005 2244
Other Complaints 0800 298 5511
Markerstudy Insurance Services Limited
In Writing: Complaints Department
Motorplus Limited trading as Coplus Carole Nash Insurance Consultants
Nile Street
Sabre Insurance Company Limited Burslem
Stoke-On-Trent
AXA Assistance (U.K.) Limited We receive commission, which is a ST6 2BA
percentage of the annual premium. [email protected]
Midas Underwriting Limited
If the total policies reach a specific annual By completing our online https://www.carolenash.com/about-us/complaints-procedure/complaint
Carole Nash (Phoenix) Insurance is profit target we also receive a share of complaints form at:
underwritten by Ageas Insurance Limited this.
When dealing with your complaint, we will follow our complaint handling procedures. A summary
RAC Insurance Limited
of these procedures is available on request. If you are still not satisfied, you may be entitled to
refer the matter to the Financial Ombudsman Service who will review your case on an independent
* Details are available on request. basis. Their contact details are:

Carole Nash is a trading name of Carole Nash Insurance Consultants Limited. Authorised and Regulated by the Financial Conduct Authority under firm reference number 307243.
Registered address: Embankment West Tower, 101 Cathedral Approach, Salford, M3 7FB.
 Financial Ombudsman Service 11. Ending Your Relationship With Us
Exchange Tower Subject to your immediate settlement of any outstanding premiums and fees, you may instruct us
Harbour Exchange Square to stop acting for you and we will not impose a penalty. Your instructions must be given in writing
London and will take effect from the date of receipt. In circumstances where we feel that we cannot continue
E14 9SR providing services to you, we will give you a minimum of 7 days' notice. Unless otherwise agreed
Tel: 0800 023 4567 in writing, if our relationship ends, any transactions previously initiated will be completed according
to these Terms of Business. You will be liable to pay for any transactions concluded prior to the
Or you can log on to their website: www.financial-ombudsman.org.uk end of our relationship and we will be entitled to retain commission received for conducting these
transactions, together with all fees charged by us for services provided.
7. Renewing your Policy
For your protection shortly before the renewal of your policy, we will send you a renewal invitation, 12. Debt Collection Procedure
which contains information on the premium due and the details we hold. It is important you check In the event that any premium/and or fees remain outstanding to us, we will refer your debt to a
the information we hold is accurate and you inform us of any changes in your circumstances. debt collection agency and/or the company solicitor. The debt collection agency and the company
To ensure that we continue to offer a policy that is suitable to your needs we may offer an alternative solicitor may make further charges to recover any balances outstanding.
insurer at renewal. If you are happy with your renewal quote with the insurer offered, there may
be nothing further for you to arrange and your credit/debit card may be automatically debited for 13. Conflicts of Interest
your renewal. If you are paying for your insurance by direct debit your policy may be automatically Occasions can arise where we or one of our associated companies, clients or product providers
renewed and your revised payments may be debited from the bank account details we hold. may have a potential conflict of interest with business being transacted for you. If this happens,
Further details of whether or not your policy will be automatically renewed will be confirmed and we become aware that a potential conflict exists, we will write to you and obtain your consent
on your renewal invitation. before we carry out your instructions and we will detail the steps we will take to ensure your fair
treatment.
If you do not wish us to renew your policy automatically, please inform us at any time up to 7 days
before your renewal date. If we do not hear from you to the contrary, we will take this as your 14. Your Responsibilities
authority to accept the renewal terms, and will accept on your behalf the policy offered. You are responsible for providing the complete and accurate information which insurers require
in connection with any proposal for insurance cover. This is particularly important before taking
Please note that if we confirm your policy will not be automatically renewed, cover will cease on out a policy and at renewal, but it also applies throughout the life of a policy. Please take reasonable
your renewal date unless you contact us beforehand to make a payment. care to answer all the questions honestly and to the best of your knowledge. If you don't or
To ensure that we obtain the most competitive renewal premium we will conduct a search with misrepresent any fact which may influence the insurer`s decision to accept the risk or the terms
credit reference agencies. A copy of this search will be left on your credit file. offered, your policy may be cancelled, or treated as if it never existed, or your claim rejected or
not fully paid. You must inform us immediately of any changes in circumstances, please do not
wait until your renewal. It is important that you read all insurance documents issued to you and
8. Cancellation of Insurances ensure that you are aware of the cover, limits and terms that apply, as failure to comply with them
could invalidate your policy.
Your right to cancel your policy and your 'cooling off' period.
You have a right to cancel your policy at any time by contacting us verbally or in writing. You are In addition you must take all reasonable steps to keep all property insured through us in a safe
entitled to a 'cooling off' period, which ends 14 days after you receive your policy documents. condition and to protect it from damage, including fire, theft or attempted theft, malicious damage
and someone taking it without your permission. You must also make sure you satisfy all the legal
What you will be charged if your insurance is cancelled: requirements relating to your property and its ownership.
1) Prior to the start date of your policy we will retain the policy set up fee.
2) Within the 'cooling off' period, you will be charged by the insurer for any cover you have 15. Claims Handling Arrangements
received up until the point of cancellation and we will retain the policy set up fee. We require immediate notification of a claim or circumstances which might lead to a claim. We
3) After the 'cooling off' period, you will be charged by the insurer for any cover you have received will notify the insurer of any claim on your behalf. The relevant section of your policy booklet sets
up until the point of cancellation and we will retain the policy set up fee. We will also charge out how to make a claim and the procedures outlined within that section form an integral part of
a cancellation fee. our contract with you. In addition, you should be aware that you, must send any claim form,
summons or other correspondence to us immediately, unanswered. In the event of a theft, attempted
In some circumstances a refund may not be possible and you will be required to pay the balance theft, or malicious damage, you are also required under the terms of your insurance to notify the
of any premium owed e.g. if you have made a claim. Your policy wording will set out your insurer's Police immediately.
terms and any applicable cancellation charges made by your insurer.
In the event of a claim being made on your policy, your annual premium must be paid in full.
Whenever your policy is cancelled, if we have given you a discount off your premium at inception
this will be deducted on a pro rata basis from any refund due to you on cancellation. All applicable If you have any uninsured losses or sustain an injury as a result of an accident which was not your
fees are detailed in the fees and charges table in section 5. fault we will offer to refer you to Carpenters Limited as part of our claims service.

If any additional products you have purchased are cancelled within the 14 day cooling off period, 16. Fraudulent and False Claims
you will receive a full refund. If any additional products you have purchased are cancelled after If you knowingly make a claim that is false or fraudulent in anyway, your policy will become void
the 14 day cooling off period, you will be charged for the number of days cover that has been and no payment will be made against the claim.
provided.
17. No Claims Bonus
Discounts and cancellation: If you have informed us that you are entitled to No Claims Bonus but this is not validated with the
If your policy is cancelled before the end of the 12 month term we will pro-rata any discount that relevant proof, your policy may be subject to an additional premium, it may be cancelled or be
was applied when you took out the policy. For example, if you received a discount of £12 and the made null and void from the inception date of your policy.
policy is cancelled six months into the 12 month policy term, you will be expected to pay £6 for
the unused portion of the discount.
18. Use of Personal Data
In the event of a debit balance you will be required to settle the balance promptly. If you fail to We take your privacy extremely seriously and in order for us to provide our services to you it is
settle the balance we will then use any credit/debit card details you have previously authorised us necessary that we collect certain information from you in order to administer your insurance contract
to use. or where you have chosen, to arrange premium finance.

We reserve the right to cancel your insurance policy in the event of your insurance premium not Our Privacy Policy explains how we will use your personal details. You can access our Privacy
being paid up in full, this includes any default on an instalment plan. Policy by going to the following link: www.carolenash.com/privacy-policy/. Please read this policy
carefully and contact us immediately if you have any queries. We may share your data with Third
Parties for the provision and ongoing performance of your insurance policy. Your data may be
9. Failure to Pay a premium instalment
transferred outside the UK. All of the personal information you supply to us will be handled strictly
If you fail to pay an instalment you will be charged a missed payment fee and given notice of
in accordance with the applicable Data Protection regulations and legislation.
cancellation. If payment is not made within the period of this notice, the policy will be cancelled
and a cancellation charge will be applied, along with a deduction for the time for which you have Aviva are a member of our insurance panel, in order for us to obtain an insurance quote from Aviva
been insured. If you fail to make the payment we will pass your details to Moorcroft Debt Recovery they will need to perform a fuller credit reference check with the UK's credit reference agencies
Ltd to recover the amount outstanding and we will charge you £10. (CRAs), which is called a quotation search. This check is conducted at Quotation, renewal and in
certain circumstances where policy amendments are requested. This type of search will leave a
10. Compensation footprint on your credit file which is visible to other lenders and companies (For example, other
We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled CRA customers). Aviva do offer their own Credit product. If you choose to pay monthly via the
to compensation from the scheme if we cannot meet our obligations. This depends on the type of Aviva credit agreement, the status of your search will be updated to reflect your credit application
business and the circumstances of the claim. Insurance advising and arranging is covered for 90% and this will be visible to other lenders and companies.
of the claim without any upper limit. For compulsory classes of insurance (such as Third Party
Motor or Employers Liability), insurance advising and arranging is covered for 100% of the claim, We regularly review the information we give to you and how we communicate with you. Our Privacy
without any upper limit. Further information about compensation scheme arrangements is available Policy contains details of what information we hold about you, how we use it, how long we keep
from the FSCS on 0800 678 1100 or 0207 741 4100 or www.fscs.org.uk. it and who to contact if you have questions. Our Privacy Policy is reviewed annually. If we intend
to make a significant change to the way we use your data we will contact you directly to notify you,
but you can access the Privacy Policy at any time by visiting www.carolenash.com/privacy-policy/.

Carole Nash is a trading name of Carole Nash Insurance Consultants Limited. Authorised and Regulated by the Financial Conduct Authority under firm reference number 307243.
Registered address: Embankment West Tower, 101 Cathedral Approach, Salford, M3 7FB.
 19. Dealing with others on your behalf
To help manage your insurance policy, subject to answering security questions, we will deal with
you or your husband, wife or partner or any other person whom we reasonably believe will be
acting for you if they call us on your behalf in connection with your policy or a claim relating to your
policy.

20. Sharing Information to prevent fraud

We may share information which we hold and which has been supplied to us in connection with
any application for insurance using public and personal data from a variety of sources, including
a credit reference agency, the Claims and Underwriting Exchange register and other similar
databases. The aim is to help us check the information that is given to us and to prevent fraud.
This search may appear on your credit report whether or not your application proceeds. In order
to support your application, we may ask for additional documentation as proof of your identity.
Failure to provide the requested information will result in the cancellation or voidance of your policy.
We reserve the right to retain your insurance documents until the information you have provided
has been verified.

21. Credit Checking

We and other firms involved in arranging your insurance (insurers, other intermediaries or premium
finance companies) may use public and personal data from a variety of sources including credit
reference agencies and other organisations. The information is used to ensure that we obtain the
most competitive quotation and renewal premium, to ascertain the most appropriate payment
options for you and to help prevent fraud. A copy of this search will be left on your credit report,
whether or not your application proceeds.

22. Block Transfers

In respect of some classes of insurance we may operate block insurance arrangements with one
insurer who can provide particularly competitive terms for all our customers. On occasions it will
be necessary for us to transfer such blocks from one insurer to another where this is beneficial
for our clients. This Terms of Business Agreement constitutes both your acceptance that we may
do this and your prior request for us to do so.

23. Applicable Law

English law applies to your relationship with us. Similarly, unless you and your insurer agree
otherwise, English Law applies to your relationship with your insurer and your insurance contract.

Carole Nash is a trading name of Carole Nash Insurance Consultants Limited. Authorised and Regulated by the Financial Conduct Authority under firm reference number 307243.
Registered address: Embankment West Tower, 101 Cathedral Approach, Salford, M3 7FB.
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PLEASE REVIEW THIS DOCUMENT IF YOU WOULD LIKE TO PAY FOR YOUR
INSURANCE BY DIRECT DEBIT
Direct Debit - Pre Contractual Information
Loan Agreement Features

If you chose to pay by instalments, Carole Nash acts as a credit broker and we offer finance through a third-party lender Close Brothers Premium
Finance. Your personal information and bank details will be passed to them.

To assess your application, Close Brothers Premium Finance will undertake an anti-money laundering assessment. They will also undertake a credit
search, using credit scoring, credit reference agencies and automated decision making. The assessment will take place after Close Brothers Premium
Finance have received your application and this will leave a record on your credit file. These checks are known as 'hard searches', meaning they are
visible to other lenders and could affect you if you apply for credit in the future. If it is unsuccessful they will notify you in writing. You will then need to
find an alternative way to pay for your insurance premium.

We will give you some important information about your credit agreement now.You'll then get a welcome pack including a copy of your credit agreement
within 14 days of your renewal. This information will help you decide if the finance is right for you. You need to read all the information and then, if you
wish to go ahead, sign and return your credit agreement to Close Brothers Premium Finance. If you don't return it on time or at all, your insurance may
be cancelled. The credit product is only appropriate for the funding of your insurance policy and associated costs and may not be used for any other
purpose.

You can withdraw free of charge from the credit agreement. If you do withdraw you will have to pay back money you owe to Close Brothers Premium
Finance and pay for your insurance a different way. You can make a full or partial repayment on your credit agreement at any time. If you want to know
more, please read the terms and conditions in the welcome pack that will be sent to you by Close Brothers Premium Finance.

If you fail to make a minimum payment you will be charged a default fee of £25 which will be collected along with the missed payment. Missing payments
may also affect your credit rating and can lead to the cancellation of your insurance policy.You will liable for any money owed to Close Brothers Premium
Finance.

If you are a company or partnership consisting of four or more persons you will not benefit from protections under the Consumer Credit Act 1974 or the
Consumer Credit Sourcebook of the Financial Conduct Authority.

To make it easier, you can review your credit agreement and sign it online. You will receive an email with instructions and your login details over the
next few days.

If there are any changes to the date, amount or frequency of your Direct Debit, Close Brothers Premium Finance will always give you 2 working days'
notice in advance of your account being debited. The company name which will appear on your bank statement against the Direct Debit will be Close
- Carole Nash. All Direct Debits are protected by a guarantee.

Direct Debit Guarantee

In the event of an error, you are entitled to an immediate refund from your bank or building society. You have the right to cancel at any time and this
guarantee is offered by all the banks and building societies that accept instructions to pay Direct Debits. A copy of the safeguards under the Direct
Debit Guarantee will be sent to you with the confirmation letter.

Carole Nash is a trading name of Carole Nash Insurance Consultants Limited. Authorised and Regulated by the Financial Conduct Authority under firm reference number 307243.
Registered address: Embankment West Tower, 101 Cathedral Approach, Salford, M3 7FB.