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Morton Michel Alhambra House9 St Michaels RoadCroydon CR9 3DD

Telephone: 0845 2570900 Fax: 0845 2570547/0548www.mortonmichel.com

Insurance for large and small groupsSummary and Guide

Group

SchemesIntermediary

of the Year 2006

Group

Whether you run the smallest or largest of groups,Group is designed for you. Because it is totallyflexible you select the level of cover to matchyour needs, which also means it will cost you less.Group will protect you and protect your group.

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Tailored to Your Group

Whether your group is educational, social,community, support or charitable, Group is foryou. Because of the flexible nature of Group,it will cater for most groups that meet on aregular basis. You select only the cover youneed so for smaller groups like private tuitionclasses you may require only public liability,but for larger groups like tenants’ associationsor youth clubs you may also requireemployers’ liability, equipment, personalaccident and money insurance. This meansthat you can obtain the right level of cover togive you true peace of mind at a cost that webelieve you will find hard to beat.

To select the right cover for you, readcarefully the Policy Summary section andchoose the options you require. In addition,to support all the likely insurance needs foryour group, we can provide insurance forbuildings, cars and minibuses – to obtain aquotation simply tick the boxes on theproposal form.

Added Support

To enhance your Group insurance, your policywill automatically include legal expenses coverand access to dedicated helplines that will giveyou professional advice and support at anytime of day or night.

Morton Michel – Specialists in Childcareand Group Insurance

Founded in 1964, Morton Michel is a leadingintermediary in insurance for childcare andgroups. It has been providing childcareinsurance since it was first established andinsuring groups, associations, clubs, societiesand private tutors for more than 30 years. Asspecialists in these fields, the company hasunrivalled expertise.

Morton Michel is committed to providingtailor-made policies for those involved withgroups and the business of childcare. Thecompany will discuss any aspect of the Grouppolicy and provide prompt settlement ofsmaller claims on a direct basis.

Sterling Insurance Company

Sterling Insurance Company offers anextensive range of commercial and personalinsurances. Established over 50 years ago,Sterling is particularly renowned for itsspecialist policies, such as Group, which meetthe needs of specific businesses or services.

The Company has worked closely withMorton Michel for over forty years andcontinues to do so today. Together, theirextensive experience of the childcare industryand the needs of community groups enablesthem to develop policies that match thespecific risks involved. This results incomprehensive cover at competitivepremiums.

Sterling prides itself on its efficient use of thelatest technology in the administration of itspolicies and in the swift settlement of claims.

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The Group policy is underwritten by SterlingInsurance Company Limited (except whereotherwise stated).

With Group, you choose the cover yourequire to match the insurance needs of yourgroup. This document summarises the coverprovided by the Group policy and should beread carefully before you make your selectionand complete the proposal form.

The Policy Summary does not contain the fullterms and conditions, which can be found inthe policy document. A full policy documentis available free of charge from MortonMichel.

Public Liability

If you or your group is held legally responsiblefor an injury to a child or third party, or fordamage to a third party’s property then youwill be required to pay damages. PublicLiability covers these damages and anyresulting legal expenses up to the limit ofindemnity.

Limit of Indemnity

£1,000,000 any one cause (higher limitsavailable on request).

Automatically Included

• accidental damage to the regular meetingplace for which you are legally liable

• organised and supervised group outingsand trips away for a maximum of 3 days(extensions can be arranged)

• fund raising events of a non-sportingnature involving group officials, membersand their families. Other events andcircumstances should be advised toMorton Michel for consideration

• legal defence costs and expenses incurredwith the written consent of Sterling

• food poisoning

• incorrectly administered first aid treatment

• administration of drugs/medicines inaccordance with policy conditions

• administration/provision of oxygen, gastrofeeding, naso-gastric tube feeding, cleaningand changing of feeding andtracheostomy/tracheotomy tubes andemptying/changing stoma bags inaccordance with policy conditions

• member to member liability

• bouncy castles used by the group for thechildren attending the group (or otherchildren in their family) in accordance withpolicy conditions

• use of trampolines in accordance withpolicy conditions

• contingent motor liability – provides coverfor the group if a motor accident occurs inconnection with group business, for whichthe group is legally responsible and the carowner does not have the necessary coverin place. This does not replace or includeordinary motor insurance and it does notcover the motor vehicle or its contents.The group must take all reasonableprecautions to ensure that any vehicle usedhas the appropriate motor insurance.(Morton Michel offers motor insuranceschemes designed specif ically to supportchildcare activities. To find out more detailsabout this specialist cover for private cars,people carriers and mini buses, call 0800975 4898.)

Policy Summary

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Territorial Limits

• anywhere in Great Britain, NorthernIreland, the Isle of Man or the ChannelIslands.

Main Exclusions

• property belonging to the group, or in itscare, custody or control

• personal property of staff and membersattending the group

• use of aerial runways, scrambling nets, treewalks and other structures which havebeen constructed or partially constructedfrom materials not originally intended forplay or recreational use, eg: telegraphpoles, tyres and drainage pipes; (pleaserefer to Morton Michel if in any doubt)

• vicarious liability

• liability arising out of asbestos or itsderivatives

• terrorism, war and kindred risks

• fines, penalties or liquidated, punitive orexemplary damages

• treatment (other than first aid treatment,the administration of drugs/medicines inaccordance with policy conditions and theadministration/provision of oxygen, gastrofeeding, naso-gastric tube feeding, cleaningand changing of feeding andtracheostomy/tracheotomy tubes andemptying/changing stoma bags inaccordance with policy conditions)

• inflatable play equipment other thanbouncy castles used by the group for thechildren attending the group (or otherchildren in their family)

• activities not advised to and agreed inwriting by Morton Michel.

Employers’ Liability

If you are an employer, you are required bylaw to have Employers’ Liability insurance.This covers you in case an employee suffersan accident at work for which you are heldlegally responsible. Employees include paid orunpaid supervisors, students, work experiencestudents, trainees and volunteers.

Limit of Indemnity

£10,000,000 any one cause. (£5,000,000 if arising out of terrorism.)

Automatically Included

• legal costs incurred in the defence ofcriminal proceedings in respect of a breachof the Health and Safety at Work etc Act1974 – limit £10,000 in any one period ofinsurance

• legal defence costs and expenses incurredwith the written consent of Sterling.

Territorial Limits

• anywhere in Great Britain, NorthernIreland, the Isle of Man or the ChannelIslands.

Equipment – Standard Cover

This provides cover for equipment belongingto you/the group, or for which you are legallyresponsible, against loss/damage resultingfrom the perils of fire, lightning, explosion,aircraft, theft involving violent and forcibleentry or exit, riot or civil commotion,malicious damage, earthquake, impact byvehicles, storm, flood or water damage.

Minimum sum insured: £2,000.

Automatically Included(subject to adequacy of sum insured)

• debris removal

• damage to the premises caused by theftinvolving forcible and violent entryprovided you are responsible for the repairof such damage

• accidental damage to sanitary ware,underground pipes or cables, up to £1,000

• cost of refilling fire extinguishers ifdischarged because of a fire

• loss of metered water up to £2,500

• external fixed CCTV equipment andsecurity lighting up to £1,000

• other fixed property in the open, includingfixed play equipment, (other than forstorm or flood) up to £2,500

• replacement of locks and keys followingtheft of keys up to £1,000

• the structure of any timber or metal shedsat the premises that are used for storageup to

– £1,500 in total for timber sheds

– £2,500 in total for metal sheds

– maximum £2,500 in total overall;

• the contents of any timber or metal shedsat the premises up to

– £1,500 in total in timber sheds

– £2,500 in total in metal sheds

– maximum £2,500 in total overall.

Optional Extra

Standard cover for equipment can beextended to allow for accidental damage atthe group premises.

Main Exclusions

• the first £100 of each claim

• property not locked in a room, hall,cupboard or shed at the end of everygroup session

• loss or damage caused by other authorisedusers of the premises

• terrorism, war and kindred risks.

NB: Please keep receipts when you buy anyequipment for your group because theinsurers need to see these as proof ofpurchase should you have to make a claim.Claims can be settled much quicker if thereceipts can be produced.

Equipment – All Risks

If you regularly use items of equipment awayfrom your group premises, you may wish toinsure them against accidental loss or damageanywhere in the UK.

Sum Insured

Full replacement cost of the property.

Main Exclusions

• the first £100 of each claim

• wear and tear

• theft from unattended vehicles

• storm or flood unless the property iscontained in an enclosed vehicle or in abuilding

• electrical or mechanical breakdown

• breakage of brittle articles (unless part ofphotographic equipment)

• terrorism, war and kindred risks.

Group Money

Covers loss of money whilst

• in transit or in bank night safe – £500

• on the premises during business hours –£500

• in the home of any authorised groupofficial – £500

• on the premises outside business hours inlocked safe – £250

(Higher limits can be quoted for on request.)

Main Exclusions

• the first £50 of each claim

• loss from any unattended vehicle

• money on the premises during businesshours not contained in locked safe, lockeddesk or locked filing cabinet

• money left on the group premisesovernight not contained in locked safe

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Main Exclusions

Any injury or death caused by

• hazardous sports and pastimes

• the influence of drugs or liquor

• pregnancy, childbirth or any communicabledisease

• terrorism, war and kindred risks.

Buildings

Buildings and outbuildings can be covered againstfire, lightning, explosion, aircraft, theft involvingforcible and violent entry or exit, riot or civilcommotion, malicious damage, earthquake,impact by vehicle, storm, flood, sudden escapeof water or oil, falling trees or branches.

Automatically Included(subject to adequacy of sum insured)

• accidental damage to sanitary ware,underground pipes or cables

• architects’ and surveyors’ fees

• debris removal

• public authorities costs.

Also Covered

• all fixed external glass

• property owner’s liability, limit £1,000,000(higher limits available on request).

Main Exclusions

• the first £200 of each buildings claim

• the first £50 of each glass breakage claim

• subsidence, ground heave or landslip

• fences and gates

• liability arising out of asbestos or itsderivatives

• terrorism, war and kindred risks.

Loss of Revenue

Provides protection against financial loss duringthe period taken for the business to return tonormal following loss or damage by any of theevents covered under the Equipment section.Reasonable costs incurred to maintain thebusiness following loss or damage are included.

The sum to be insured should be based onyour estimate of the gross revenue to beearned in the next twelve months (or anylonger period that you choose) with allowancesfor anticipated growth and inflationary factors.

Automatically Included

• unrecoverable outstanding debit balances

• prevention of access due to damage tonearby premises

• loss caused by damage at land basedpremises of public utilities ortelecommunication undertakings

• accidental failure of electricity, gas orwater supplies at the terminal ends of thepublic supply undertaking’s feed to thepremises (unless such failure is for a periodof less than sixty minutes)

• the occurrence at the premises ofpoisoning, murder or suicide

• closure due to defective sanitation, verminor pests

• outbreak of human infectious or contagiousdisease at the premises

• wages for replacement staff followingsuspension by OFSTED, or otherregistering authority, of employees accusedof child abuse, up to £2,500.

Main Exclusion

• terrorism, war and kindred risks.

Trustees’ and Officers’ Financial Liability

If your group is forced to close withinsufficient assets to cover outstanding debts,the trustees or officers of your group mayfind themselves held responsible for suchshortfall.

Three levels of sum insured are available forall claims by all trustees and officers of yourgroup.

£5,000/£7,500/£10,000

The closure of the group must be outside thecontrol of the trustees or officers.

Main Exclusions

• the first £25 or 5% of each claim,whichever is the greater

• fraud, embezzlement, misappropriation orother criminal act of any trustee or officer

• shortfall resulting from dishonouredcheques, use of counterfeit money,clerical/accounting errors or shortages dueto error or omission

• losses arising from the closure of thegroup within the first six months frominception date.

• fraud or dishonesty of any group officialunless discovered within seven working days

• shortages due to error or omission

• dishonoured cheques or use of counterfeitmoney.

Automatically Included

• Personal Assault – Group officials agedbetween 16 and 70 are provided withcompensation if they sustain bodily injuryor death following an assault whilsthandling money in connection with yourbusiness.

Compensation Levels

• death, loss of limb(s), loss of sight orpermanent total disablement: £20,000

• temporary total disablement (up to 104weeks): £50 per week.

Main Exclusions

• the influence of drugs or liquor

• pregnancy, childbirth or any communicabledisease.

Personal Accident for Group Members,Staff and Children

The majority of accidents are dealt with underPublic or Employers’ Liability insurance.However, some accidents are not anyone’sfault and the group cannot be heldresponsible. In these circumstances, thePersonal Accident insurance will givecompensation provided that the accidentoccurred: a) whilst the victim was engaged inorganised and supervised group activities; andb) the victim suffered one of the injuriesspecified in the chart set out below.

Compensation Level

Injury Staff and Group Group ChildrenMembersaged 16-70

Loss of limb(s) £20,000 £20,000

Loss of sight £20,000 £20,000

Permanent total disablement £20,000 £20,000

Temporary £50 per Not applicabletotal week for up disablement to 104 weeks

Death £20,000 £5,000

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Deterioration of Refrigerated/FrozenFood

Loss by deterioration of stock in any freezeror refrigerated cabinet following breakdownor accidental damage, or failure of publicelectricity supply.

Sum insured £500 (more if required).

Main Exclusions

• the first £25 of each claim

• equipment more than ten years old.

Legal Expenses

This section is automatically included in yourpolicy. Cover, which is provided by DAS LegalExpenses Insurance Company Limited (DAS),will pay your legal costs including solicitors’and barristers’ fees, court costs, expenses forexpert witnesses, attendance expenses andaccountants’ fees.

Limit

£50,000 any one event

Automatically Included

• employment disputes and compensationawards that might arise with youremployees (such as unfair dismissal)

• legal defence in the event of a criminalprosecution arising from your businessactivity (such as alleged child abuse of thechildren attending your group)

• a legal representative to support you if youare asked to go to the police station for amatter relating to your business

• taxation disputes with HM Revenue andCustoms

• contract disputes of over £250, if a clientbreaks with your contract terms

• recovery of a debt of over £250, if a clientfails to pay for your services

• legal action to obtain compensation or aninjunction following damage to, or trespasson, your property

• legal action to obtain compensation fordeath or bodily injury

• loss of registration.

Main Exclusions

• costs and expenses incurred before thewritten acceptance of a claim by DAS

• any civil claim which does not offer areasonable prospect of success.

Helplines

Helplines, provided by DAS, that giveprofessional advice and support areautomatically included with your policy. Theyare available 24 hours a day, 365 days of theyear.

Advice is given on:

Tax: including VAT, self-assessment income taxand Inland Revenue audits.

Legal matters: including employment andcontract disputes.

Health and medical information: includingfood allergies, medication, childhood illnesses,vaccinations, nutrition and exercise.

Help is provided through:

Emergency repair support: giving access toapproved contractors for plumbing, electrical,gas and roofing repairs (you will beresponsible for the cost of the repair).

Confidential counselling: a valuable supportservice to help you through those difficulttimes whether because of stress, anxiety,depression, relationships, bereavement orhealth related. It includes onwards referral torelevant voluntary and/or professionalservices, where appropriate.

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Terrorism (optional separate policy)

If you require cover against acts of terrorism,we are able to offer a separate policy that will

• cover most causes of terrorism damageincluding biological, chemical or radioactivecontamination

• apply to all property insured under yourGroup policy, up to the full value of thesums insured that you have selected

• include cover against loss of revenue andbook debts, if required, up to the suminsured under your Group policy.

If you would like a quotation for this extracover, please contact Morton Michel.

If you have any queries or would like todiscuss Group please contact:Morton Michel Alhambra House9 St Michaels RoadCroydon CR9 3DDTelephone: 0845 2570900Fax: 0845 2570547/0548www.mortonmichel.com

Important

To obtain the full benefit from yourinsurance it is important that thesums insured are adequate at alltimes. If they are inadequate then, inthe event of a claim, the amountpayable will be reduced in proportionto the degree of underinsurance.

It makes sense to review the sumsinsured regularly, particularly if youhave refurbished your premises orpurchased new equipment.

Seek professional advice to ensurethat the sums insured are correct.

Other Insurances

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What is Public Liability insurance andwhy is it so important?

Public Liability insurance covers you ifsomeone in your care, or a member of thepublic, suffers an injury that is held by law tobe your fault. Recent examples have includeda visitor to a hall who slipped on a wet floor,which had not been properly cleaned; and achild who was injured when an incorrectlyerected trestle table fell on her foot. In thecurrent climate of litigation, such incidentsnow frequently lead to claims being madeagainst groups and you need Public Liabilityinsurance to protect your interests againstsuch lawsuits.

What is Employers’ Liability insurance?

If you employ anyone, you are required bylaw to take out Employers’ Liability cover. It issimilar to Public Liability insurance, but relatesspecifically to injuries suffered by youremployees. Again, this area has witnessed amassive increase in claims in recent years.

What is the difference between Liabilityinsurance and Personal Accident?

Liability insurance covers you for damages andcosts that may be awarded against you in aCourt of Law, when you have been found tobe at fault. The Personal Accident sectionprovides an agreed amount of compensationin the event of an injury, such as loss of a limbor an eye, suffered by a group official orgroup child in an accident, irrespective of whomay have been at fault. A full list of injuriesfor which compensation would be payable isstated on page 6 of this summary.

What activities are included?

Only those activities that have been advisedto and agreed in writing by Morton Michel.There is a question on the proposal formasking what activities you offer – you mustprovide full details, as this will be the basis ofthe contract.

We are a Community Association/VillageHall/Residents’ & Tenants’ Association(or similar). Does the insurance cover allactivities that take place at thepremises?

No. The insurance will only cover thoseactivities which are organised and supervisedby the association and which have beenaccepted in writing by Morton Michel. Allother groups using the premises – such asscouts, Rotary clubs, drama groups, etc – orindividuals – such as keep fit and judoinstructors – must have their own insurance.

Frequently Asked Questions

Are we covered for giving medication?

The administration of non-prescribed drugs ormedicines, prescribed oral medication orasthma inhalers and the administration ofother medication is covered strictly inaccordance with conditions stated in thepolicy. (See also the FAQ relating to childrenwith special needs.)

Does the policy cover children withspecial needs?

Yes, the Group policy covers your legalliability to the child in respect of the activitiesof your group and in respect of the premises(for which you are responsible). It also coversyour legal liability for theadministration/provision of first aidtreatment, drugs/medicines, oxygen, gastrofeeding, naso-gastric tube feeding, cleaningand changing of feeding andtracheostomy/tracheotomy tubes andemptying/changing stoma bags, strictly inaccordance with conditions stated in thepolicy. You must ensure that you arecomplying with all OFSTED or otherregistering authority requirements and thatappropriate supervision ratios apply.

Are we covered for using a bouncycastle?

Your legal liability is covered in respect ofbouncy castles used by you for the childrenattending your group (or other children intheir family), providing you adhere to theconditions stated in the policy. (You may alsowish to read the explanatory guidelinesavailable from Morton Michel.) You are notcovered for any damage you do to the bouncycastle or if you hire out the bouncy castle toanyone else. You are not automaticallycovered if the bouncy castle is to be used at afete or “fun day” open to the public; in suchcircumstances, you should contact MortonMichel for a quotation. (Please note that thepolicy defines a bouncy castle as: “playequipment with a horizontal, inflatable baseand inflatable sides designed and intendedsolely for children to bounce in or on and forno other recreational activity”. An inflatableslide, for example, would NOT be covered.)

Do we have to register under theChildren Act 1989 to take out the policy?

If your group is required to be registeredunder the terms of the Act, then you mustobtain registration and adhere to its terms inorder for the insurance to be valid. If yourgroup is exempt from the Children Act, thenyou do not require registration to obtain theinsurance cover. Please contact OFSTED, orother registering authority, to find out if youneed to be registered.

Are voluntary workers covered underPublic Liability or Employers’ Liability?

Regular voluntary workers are regarded asemployees for the purposes of the PublicLiability and Employers’ Liability insurances.Your legal liability for bodily injury to regularvoluntary helpers is covered under theEmployers’ Liability Section. Therefore, if youhave regular voluntary helpers, you shouldtake out Employers’ Liability insurance.

Can we take on young people to help atthe premises for work experience?

Yes, provided that they are on a Governmentor otherwise authorised work experience,training, study, exchange or similar scheme.They must always work under the supervisionof experienced group officials and be of anappropriate age for the duties beingperformed. If in any doubt, please contactMorton Michel. If you are asked to sign adocument from an authority concerning youngpeople doing work experience, please let ussee this document.

Is the group covered if it moves to newpremises?

Provided that the consent of OFSTED orother registering authority has been obtained,both temporary or permanent changes ofaddress will be covered automatically by thepolicy. Please advise Morton Michel in writingof all changes of address. However, if weinsure your buildings, we will requirecompletion of a new proposal form beforeyou move and cover is subject to acceptanceof this proposal by Morton Michel.

We are taking out cover for ourequipment. Does it include sheds andcontents of sheds?

Yes, within certain limits, providing it is eithera timber or metal shed. Please refer to theGroup Equipment – Standard Cover on page5 for details of the cover. If the limits areinsufficient for your needs or if you have ashed that is not timber or metal, please ringMorton Michel.

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Accessible windows

All accessible windows, includingskylights and fanlights that can bereached from flat roofs shouldhave key operated locks orsecurity bolts where the key canbe removed.

Suitable locks for sash windowsinclude:

Chubb 8K108, WS1Era 2804, 822Yale P114

Suitable locks for woodencasement windows include:

Chubb 8K101,8K102Era 2802, 2809Yale P112, P113

Suitable locks for metalcasement windows include:

Chubb 8K100, 8012Era 2901Yale P115

Suitable locks for fanlightsinclude:

Ingersoll FM68Yale P111

For louvre windows the slatsshould be glued with epoxy resinand a special louvre lock fitted.

Final exit door

For the final exit door, a morticedeadlock should be used thatconforms to BS3621 or a lock ofhigher quality. If any door is notthick enough for a morticedeadlock other high securitycylinder rim deadlocks aresuitable.

Another option is a close shacklepadlock (minimum 5 lever) on acoach-bolted locking bar.

Typical examples of suitablemortice deadlocks are:

Chubb 3G114, 3G220, 3G117,3K77ERA 208, 210Yale P560, P562

Examples of suitable cylinderrim deadlocks are:

Chubb 4L67, 4L73, 4L74Yale XBS1, XBS2Ingersoll SC71, SC73

Examples of suitable closeshackle padlocks are:

Chubb 1K11, 1K21Ingersoll CS712, CS700, CS612ERA 975

Guide to Security

Other external doors

The same types of morticedeadlocks should be used forother external doors as for thefinal exit door. Alternatively, twokey operated mortice or surfacemounted security bolts withremovable keys sited near the topand bottom of the door. Withfrench windows and two leafdoors, these bolts should befitted on each leaf and used inconjunction with any centre lockalready fitted.

Typical examples of suitablemortice security bolts are:

Chubb 8002, 8006Yale PM444ERA 838

Examples of suitable surfacemounted bolts are:

Chubb 8K116Era 805, 2806Yale P124

Patio doors

Locks that are especially designedfor patio doors will secure thedoor at the top and bottom. Astop must be fitted to preventthe doors being lifted out of theirframe.

Typical locks suitable for patiodoors are:

Chubb 8K107, 8K119Era 2100Yale P114

Fire exit doors

Fire exit doors should be asdesignated and approved by theFire Safety Inspecting Officer.They should be fitted with apush/panic bar and hinge boltstop and bottom.

Push/Panic bar:

Hinge bolts:

The following are recommended security devices for use in specific areas of your building. Your local crime prevention officer or locksmith will be able to advise on suitable locks and other deviceswhere special fittings are required.

1. Sterling Insurance Company Limited

Sterling Insurance Company Limited is aprivate company limited by shares, registered inEngland and Wales number 498605. Itunderwrites general insurance business. It isauthorised and regulated by the FinancialServices Authority (FSA). The FSA is theindependent watchdog that regulates financialservices.

Our FSA Register number is 202012. You cancheck this on the FSA’s Register by visiting theFSA’s website www.fsa.gov.uk/register or bycontacting the FSA on 0845 606 1234.

Sterling Insurance Company Limited is amember of Sterling Insurance Group Limited.

Registered Office:Ambassador HouseParadise RoadRichmond upon ThamesSurrey TW9 1SQ

Branch Office:50 Kings Hill AvenueKings HillWest MallingKent ME19 4JX

2. Disability Discrimination Act 1995

In accordance with the DisabilityDiscrimination Act 1995 we are able toprovide upon request a textphone facility,audio tapes, large print documentation andBraille documentation. Please advise us if yourequire any of these services to be providedso that we can communicate in an appropriatemanner.

3. Law applicable to the contract

We propose to choose English law as the lawapplicable to the contract unless we agreeanother choice of law with you prior to thestart date.

4. Premiums

Premiums are payable annually to MortonMichel. Insurance premium tax, as imposed bycurrent legislation, is incorporated into allpremiums.

5. Promise of satisfaction and service

We are confident that your Group policy willbring you complete satisfaction. Weundertake to refund the premium in full if youare not satisfied with the cover provided byyour policy if it is returned within 14 days ofissue, but if there has been an incident whichhas resulted or could result in a claim youmust reimburse the Company for anyamounts we have paid or may be required topay, in respect of that incident.

Customer Service Information

6. Duration of contract

The first period of insurance under yourGroup policy will be 12 months unlessotherwise requested by you and agreed by theCompany.

7. Financial Services CompensationScheme

We are covered by the Financial ServicesCompensation Scheme (FSCS). You may beentitled to compensation from the scheme ifwe cannot meet our obligations. This dependson the type of business and the circumstancesof the claim. Further information aboutcompensation scheme arrangements isavailable from the FSCS.

8. Notification of a claim

If you have a claim, or are aware of anincident that could result in a claim, pleasecontact Morton Michel on 0845 2570900 orSterling Insurance Company Limited on 0845 271 1300.

9. Enquiries or complaints

If you have an enquiry or complaintregarding:

• the suitability of this policy for your needs;or

• the information and advice you receivedwhilst it was originally being discussed; or

• the operation or administration of thepolicy

or an enquiry concerning a claim that youmay have made; you should contact MortonMichel at Alhambra House, 9 St MichaelsRoad, Croydon CR9 3DD; telephone number0845 2570900.

If you have a complaint concerning a claimyou have made you should contact SterlingInsurance Company Limited, 50 Kings HillAvenue, Kings Hill, West Malling, Kent ME194JX; telephone number 0845 271 1300.

(A copy of Sterling’s complaints handlingprocedure is available on request by writing tothe Customer Services Manager, SterlingInsurance Company Limited, 50 Kings HillAvenue, Kings Hill, West Malling, Kent ME194JX or by telephoning 0845 271 1300.)

If your complaint relates to the LegalExpenses cover, please write to The ClaimsServices Manager, DAS Legal ExpensesInsurance Company Limited, DAS House,Quay Side, Temple Back, Bristol BS1 6NH ortelephone 0800 015 1407.

Please be ready to provide all relevant detailsof your policy and in particular your policynumber (if allocated) to help your enquiry orcomplaint to be dealt with speedily.

If you are not satisfied with the way in whichyour complaint has been handled, you mayhave the right to refer it to the FinancialOmbudsman Service at South Quay Plaza, 183Marsh Wall, London E14 9SR; telephonenumber 0845 080 1800.

Please note that the Financial OmbudsmanService will normally only consider acomplaint once we have issued a final decisionletter.

Following this procedure will not affect yourlegal rights.

10. Information about DAS LegalExpenses Insurance Company Limited

DAS Legal Expenses Insurance CompanyLimited is a private company limited by sharesincorporated in England and Wales underregistered number 103274. It underwriteslegal expenses business. Its head andregistered office is DAS House, Quay Side,Temple Back, Bristol, BS1 6NH. It isauthorised and regulated by the FinancialServices Authority and appears on theFinancial Services Authority's register undernumber 202106.

11. Morton Michel

Morton Michel is authorised and regulated bythe Financial Services Authority (FSA). OurFSA Register number is 308590.

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