Structure Changes and Data Enhancements · Annual Travel Insurance Policy Hijack Benefit Minimum Sum Insured ... As part of a data structure review, the following columns have been

Structure Changes and Data Enhancements

5 February 2019

Page 2 of 59

Table of Contents

Table of Contents .............................................................................................................................................. 2 1 Introduction ................................................................................................................................................. 3 2 New Columns .............................................................................................................................................. 3

2.1 Banking ................................................................................................................................................ 3 2.2 General Insurance ............................................................................................................................... 4 2.3 Protection ............................................................................................................................................. 6 2.4 Wealth Management ............................................................................................................................ 6

3 Column Deletions ....................................................................................................................................... 6 3.1 Banking ................................................................................................................................................ 6 3.2 General Insurance ............................................................................................................................... 9 3.3 Protection ........................................................................................................................................... 25 3.4 Wealth Management .......................................................................................................................... 26

4 Column Replacements ............................................................................................................................. 28 4.1 Banking .............................................................................................................................................. 28 4.2 General Insurance ............................................................................................................................. 30 4.3 Wealth Management .......................................................................................................................... 32

5 Column Data Type Changes .................................................................................................................... 32 5.1 Banking .............................................................................................................................................. 32

6 DNA Structure Changes .......................................................................................................................... 35 6.1 Banking .............................................................................................................................................. 35 6.2 General Insurance ............................................................................................................................. 37 6.3 Wealth Management .......................................................................................................................... 59

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1 Introduction

This document describes data structure changes that have recently been made to Defaqto Matrix tables. These changes have been made to broaden the data, enhance filtering, improve consistency, and in some cases remove data that is no longer relevant. If you have any questions relating to these changes, please contact Customer Success on 01844 295 544 or at [email protected].

2 New Columns

The following columns were introduced to Matrix between 07 November 2018 and 04 February 2019. Descriptions for what these columns mean can be found by hovering over the column headings in Matrix.

2.1 Banking

Table Name Column Name

Equity Release Mortgage No ERC Death of Spouse Years

Equity Release Mortgage No ERC Downsizing Years

Equity Release Mortgage Redemption Administration Fee

Equity Release Mortgage Partial Redemption Administration Fee

Equity Release Mortgage Telegraphic Transfer Fee (£)

Equity Release Mortgage Monthly Repayment Incentive

Adverse Credit Mortgage Debt Management Plan Acceptable

Adverse Credit Mortgage Guarantor Only

Adverse Credit Mortgage Security Deposit Types Third Party

Adverse Credit Mortgage Early Redemption Charge Term (Months)

Adverse Credit Mortgage Early Redemption Charge End Date

Buy-to-Let Mortgage Minimum Rate Term (months)

Buy-to-Let Mortgage Minimum Rate Date

Discount Rate Mortgage Minimum Rate Date

Fixed Rate Mortgage Minimum Rate Date

Fixed Rate Mortgage Overdraft Facility

Let-to-Buy Mortgage Eligibility Assessment Method

Let-to-Buy Mortgage Rental Income %

Let-to-Buy Mortgage Early Redemption Charge Term (Months)

Let-to-Buy Mortgage Early Redemption Charge End Date

Self Build Mortgage Early Redemption Charge Term (Months)

Self Build Mortgage Early Redemption Charge End Date

Standard Rate Mortgage Minimum Rate Date

Standard Rate Mortgage Capital Raising Deposit

Stepped Rate Mortgage Minimum Rate Date

Stepped Rate Mortgage Capital Raising Deposit

Basic Bank Account Arranged Overdraft Charge

Current/Cheque Account Account Transfer Overdraft Period in Months

Current/Cheque Account International Payments Out EU Charge %

Current/Cheque Account Contactless Payments by Debit Card

Current/Cheque Account Transaction Channels

Current/Cheque Account Text Message Services

Current/Cheque Account Number of Mobile App Features

mailto:[email protected]

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Current/Cheque Account Insurance Incentives

Current/Cheque Account Discount Incentives

Current/Cheque Account Travel Incentives

Notice Account Additional Account Required Type

Regular Savings Account Additional Account Required Type

Student & Graduate Account Withdrawal Conditions

Credit Card Number of Alert Types Available

Credit Card Number of Mobile App Features

Prepaid Card Effective Annual Service Fee

Prepaid Card Effective Dormancy Period (months)

Personal Loan Arrangement Fee (£)

Personal Loan First payment is due after X days

2.2 General Insurance


Home Emergency Cover Contract Type

Home Emergency Cover Service Provider

Home Emergency Cover Unvented Heating Systems

Home Emergency Cover Toilet Unit - Blockage

Home Emergency Cover 2nd Toilet Exclusion

Pet Insurance Laser Treatment

Pet Insurance Compulsory Co-Insurance Amount (%)

Pet Insurance Cat Compulsory Co-Insurance Minimum Age

Pet Insurance Dog Compulsory Co-Insurance Minimum Age

Pet Insurance Voluntary Co-Insurance Options (%)

Home Contents Policy Contents in the Open (Theft)

Home Contents Policy Hole in One Cover

Goods Carrying Vehicle - Comprehensive Policy Vehicle Rescue Cover Basis Options

Goods Carrying Vehicle - Comprehensive Policy Redelivery Costs

Goods Carrying Vehicle - Comprehensive Policy Accident Transport Location Options

Goods Carrying Vehicle - TPFT Policy Vehicle Rescue Cover Basis Options

Goods Carrying Vehicle - TPFT Policy Redelivery Costs

Goods Carrying Vehicle - TPFT Policy Accident Transport Location Options

Motorcycle Policy - Comprehensive Helmet and Clothing Excess

Motorcycle Policy - Comprehensive Redelivery Costs

Motorcycle Policy - Comprehensive Accident Transport Location Options

Minor Repair Insurance Min Claims Per Policy Period (£) Scratch and Dent

Minor Repair Insurance Max Claims Per Policy Period (£) Scratch and Dent

Minor Repair Insurance Min Claims Per Policy Period Scratch and Dent

Minor Repair Insurance Max Claims Per Policy Period Scratch and Dent

Minor Repair Insurance Minimum Limit Per Repair (£) - Alloy Wheel

Minor Repair Insurance Minimum Limit Per Replacement (£) - Alloy Wheel

Minor Repair Insurance Minimum Limit Per Policy Period (£) - Alloy Wheel

Minor Repair Insurance Maximum Limit Per Policy Period (£) - Alloy Wheel

Minor Repair Insurance Min Num of Repairs Per Policy Period - Alloy Wheel

Minor Repair Insurance Max Num of Repairs Per Policy Period - Alloy Wheel

Minor Repair Insurance Min Num Replacements Per Policy Period Alloy Wheel

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Minor Repair Insurance Max Num Replacements Per Policy Period Alloy Wheel

Minor Repair Insurance Min Limit Per Replacement (£) - Tyre Cover

Minor Repair Insurance Minimum Claims Limit Per Policy Period (£) - Tyre

Minor Repair Insurance Maximum Claims Limit Per Policy Period (£) - Tyre

Minor Repair Insurance Min Number of Repairs Per Policy Period Tyre Cover

Minor Repair Insurance Max Number of Repairs Per Policy Period Tyre Cover

Minor Repair Insurance Min Num Replace Tyres Per Policy Period Tyre Cover

Minor Repair Insurance Max Num Replace Tyres Per Policy Period Tyre Cover

Private Car - Comprehensive Policy Redelivery Costs

Private Car - TPFT Policy Redelivery Costs

Private Car - TPFT Policy Accident Transport Location Options

Gadget and Mobile Phone Insurance E-Wallet Cover

Gadget and Mobile Phone Insurance 24 Hour Claims Helpline

Care Home Package Policy Long Term Period in Months

Leisure Club Package Policy Long Term Period in Months

Surgery Insurance Package Policy Long Term Period in Months

Annual Travel Insurance Policy Dental Emergency Minimum Sum Insured

Annual Travel Insurance Policy Money Minimum Sum Insured

Annual Travel Insurance Policy Money Cash Minimum Sum Insured

Annual Travel Insurance Policy Baggage Delay Minimum Sum Insured

Annual Travel Insurance Policy Replacement Carer

Annual Travel Insurance Policy Missed Connection UK Minimum Sum Insured

Annual Travel Insurance Policy Missed Connection International Minimum Sum Insure

Annual Travel Insurance Policy Missed Departure Outbound Minimum Sum Insured

Annual Travel Insurance Policy Missed Departure Inbound Minimum Sum Insured

Annual Travel Insurance Policy Travel Abandonment Minimum Sum Insured

Annual Travel Insurance Policy Scheduled Airline Failure Minimum Sum Insured

Annual Travel Insurance Policy Airspace Closure Minimum Sum Insured

Annual Travel Insurance Policy Enforced Stay Abroad Minimum Sum Insured

Annual Travel Insurance Policy Financial Failure Minimum Sum Insured

Annual Travel Insurance Policy Withdrawal of Services Minimum Sum Insured

Annual Travel Insurance Policy Catastrophe Minimum Sum Insured

Annual Travel Insurance Policy Personal Liability Minimum Sum Insured

Annual Travel Insurance Policy Legal Expenses Minimum Sum Insured

Annual Travel Insurance Policy Loss of Passport Minimum Sum Insured

Annual Travel Insurance Policy Mugging Benefit Minimum Sum Insured

Annual Travel Insurance Policy Hijack Benefit Minimum Sum Insured

Annual Travel Insurance Policy Off Piste Without Restriction

Extended Trip Travel Insurance Policy Replacement Carer

Single Trip Travel Insurance Policy Dental Emergency Minimum Sum Insured

Single Trip Travel Insurance Policy Money Minimum Sum Insured

Single Trip Travel Insurance Policy Money Cash Minimum Sum Insured

Single Trip Travel Insurance Policy Baggage Delay Minimum Sum Insured

Single Trip Travel Insurance Policy Replacement Carer

Single Trip Travel Insurance Policy Missed Connection UK Minimum Sum Insured

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Single Trip Travel Insurance Policy Missed Connection International Minimum Sum Insure

Single Trip Travel Insurance Policy Missed Departure Outbound Minimum Sum Insured

Single Trip Travel Insurance Policy Missed Departure Inbound Minimum Sum Insured

Single Trip Travel Insurance Policy Travel Abandonment Minimum Sum Insured

Single Trip Travel Insurance Policy Scheduled Airline Failure Minimum Sum Insured

Single Trip Travel Insurance Policy Airspace Closure Minimum Sum Insured

Single Trip Travel Insurance Policy Enforced Stay Abroad Minimum Sum Insured

Single Trip Travel Insurance Policy Financial Failure Minimum Sum Insured

Single Trip Travel Insurance Policy Withdrawal of Services Minimum Sum Insured

Single Trip Travel Insurance Policy Catastrophe Minimum Sum Insured

Single Trip Travel Insurance Policy Personal Liability Minimum Sum Insured

Single Trip Travel Insurance Policy Legal Expenses Minimum Sum Insured

Single Trip Travel Insurance Policy Loss of Passport Minimum Sum Insured

Single Trip Travel Insurance Policy Mugging Benefit Minimum Sum Insured

Single Trip Travel Insurance Policy Hijack Benefit Minimum Sum Insured

Single Trip Travel Insurance Policy Off Piste Without Restriction

Single Trip Travel Insurance Policy Cruise Missed Embarkation Outbound Sum Insured

2.3 Protection


Stand Alone Critical Illness Virtual GP Services

Group Critical Illness Plan Second Cancer

Decreasing Term Assurance and DTA with CIC Virtual GP Services

Family Income Benefit and FIB with CIC Virtual GP Services

Level Term Assurance and LTA with CIC Virtual GP Services

2.4 Wealth Management


Small Self Administered Schemes Platform Exclusive

Workplace Pensions Service Charter

Workplace Pensions Master Trust Assurance Framework Type 2 Achieved

SIPP Annuity Trustee Investment

Platform Annuity Trustee Investment

3 Column Deletions

The following columns were removed from Matrix between 04 November 2018 and 01 February 2019.

3.1 Banking

As part of a data structure review, the following columns have been identified as no longer being required, either due to their being obsolete or its content being duplicated in other columns:

Page 7 of 59


Adverse Credit Mortgage Rank

Buy-to-Let Mortgage Rank

Current/Cheque Account ATM Charge - (EU)

Current/Cheque Account Debit Card Charge Europe

Current/Cheque Account Foreign Exchange Fee (%) (EU)

Current/Cheque Account Interest Rate Indicative

Current/Cheque Account Overdraft Buffer Apples To

Current/Cheque Account Daily Arranged Overdraft Charge Cap

Current/Cheque Account Monthly Arranged Overdraft Charge Cap

Discount Rate Mortgage Rank

Equity Release Mortgage Rank

Equity Release Mortgage Equity Release Council Standards Met

Equity Release Mortgage Customer Type

Equity Release Mortgage Debt Fixed at Outset

Equity Release Mortgage Tie-in Period

Equity Release Mortgage Maximum Fee

Equity Release Mortgage Adviser Support Facilities

Equity Release Mortgage Use to Clear Mortgage

Equity Release Mortgage Property Under Trust

Equity Release Mortgage Inheritance Guarantee Maximum Portion (%)

Equity Release Mortgage Sign by Power of Attorney

Equity Release Mortgage Cash Lump Sum Option

Equity Release Mortgage Single Income Multiple

Equity Release Mortgage Joint Income Multiple

Equity Release Mortgage Cheque Book Facility

Equity Release Mortgage Shared Ownership

Equity Release Mortgage Closed Item

Equity Release Mortgage New Product Name

Fixed Rate Mortgage Rank

Higher Lending Charge Rank

Let-to-Buy Mortgage Rank

Mortgages Rank

Savings Foreign Exchange Fee (%) (EU)

Savings ATM Charge - (EU)

Savings Debit Card Charge Europe

Self Build Mortgage Rank

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Standard Rate Mortgage Rank

Stepped Rate Mortgage Rank

Page 9 of 59




Annual Travel Insurance Policy Cruise Missed Departure - Outbound Sum Insured

Annual Travel Insurance Policy Contact Number

Annual Travel Insurance Policy Opening Hours

Annual Travel Insurance Policy Online Information

Annual Travel Insurance Policy Online Policy

Annual Travel Insurance Policy Online Discount

Annual Travel Insurance Policy Minimum Adult Age

Annual Travel Insurance Policy Trip Duration Options

Annual Travel Insurance Policy Trip Duration Options

Annual Travel Insurance Policy Minimum winter sports duration per year (days)

Annual Travel Insurance Policy Medical Screening

Annual Travel Insurance Policy Emergency Assistance

Annual Travel Insurance Policy Repatriation Service

Annual Travel Insurance Policy Terrorism Exclusion

Annual Travel Insurance Policy Date Exclusion

Annual Travel Insurance Policy Additional Activities

Annual Travel Insurance Policy Cruise Minimum Cancellation - Sum Insured

Annual Travel Insurance Policy Cruise Maximum Cancellation - Sum Insured

Annual Travel Insurance Policy Cruise Minimum Curtailment - Sum Insured

Annual Travel Insurance Policy Cruise Maximum Curtailment - Sum Insured

Annual Travel Insurance Policy Cruise Minimum Medical Expenses Sum Insured

Annual Travel Insurance Policy Cruise MaximumMedical Expenses Sum Insured

Annual Travel Insurance Policy Cruise Missed Departure - Inbound Sum Insured

Annual Travel Insurance Policy Member Discount

Annual Travel Insurance Policy No Baggage Discount

Annual Travel Insurance Policy No Claims Discount

Annual Travel Insurance Policy Monthly Added Value Account Fee

Caravan Insurance Contact Number

Caravan Insurance Opening Hours

Caravan Insurance Online Information

Caravan Insurance Online Policy

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Caravan Insurance Online Discount

Caravan Insurance Payment Methods

Caravan Insurance Direct Debit Mandate APR

Caravan Insurance Alternative Accommodation

Caravan Insurance Storage Disputes

Caravan Insurance Legal Expenses Cost

Caravan Insurance Counselling Helpline

Caravan Insurance Security Helpline

Caravan Insurance Introductory Discount %

Caravan Insurance Caravan Club Discount %

Caravan Insurance CASSOA Gold Discount %

Caravan Insurance Age Discount

Caravan Insurance Alarm Discount

Caravan Insurance Tracker Discount

Commercial Car Policy Contact Number

Commercial Car Policy Online Information

Commercial Car Policy Payment Methods

Commercial Car Policy DDM Payments

Commercial Car Policy One Named Driver - Discount

Commercial Car Policy Two Named Drivers - Discount

Commercial Car Policy Three Named Drivers - Discount

Commercial Car Policy Four Named Drivers - Discount

Commercial Car Policy Excluding Under 25's - Discount

Commercial Car Policy Introductory Discount

Commercial Car Policy Multi-Vehicle Discount

Commercial Car Policy Vehicle Age Discount

Commercial Car Policy Maximum - Security Discount

Commercial Car Policy Alarm Discount

Commercial Car Policy Immobiliser Discount

Commercial Car Policy Alarm/Immobiliser Discount

Commercial Car Policy Tracking Discount

Commercial Car Policy Occupancy Discount

Commercial Car Policy Driver Training Discount

Commercial Car Policy Minimum Cover - (EU)

Commercial Car Policy Green Card Charge

Commercial Car Policy Bail Bond

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Commercial Car Policy Bail Bond Charge

Commercial Car Policy Collection - Home

Commercial Car Policy Collection - Business

Commercial Car Policy Delivery - Home

Commercial Car Policy Delivery - Business

Commercial Car Policy Repairs Guarantee - Bodywork

Commercial Car Policy Free Windscreen Etching

Commercial Car Policy Short Period Rates

Commercial Car Policy Minimum Premium (£)

Commercial Car Policy Mid-Term Adjustment Charge

Commercial Car Policy Cancellation - Method

Extended Trip Travel Insurance Policy Star Rated Product

Extended Trip Travel Insurance Policy Contact Number

Extended Trip Travel Insurance Policy Opening Hours

Extended Trip Travel Insurance Policy Online Information

Extended Trip Travel Insurance Policy Online Policy

Extended Trip Travel Insurance Policy Online Discount

Extended Trip Travel Insurance Policy Minimum Adult Age

Extended Trip Travel Insurance Policy Medical Screening

Extended Trip Travel Insurance Policy Emergency Assistance

Extended Trip Travel Insurance Policy Repatriation Service

Extended Trip Travel Insurance Policy Terrorism Exclusion

Extended Trip Travel Insurance Policy Date Exclusion

Extended Trip Travel Insurance Policy Additional Activities

Extended Trip Travel Insurance Policy No Baggage Discount

Extended Trip Travel Insurance Policy No Money Cover Discount

Gadget and Mobile Phone Insurance Contact Number

Gadget and Mobile Phone Insurance Opening Hours

Gadget and Mobile Phone Insurance Online Information

Gadget and Mobile Phone Insurance Online Discount

Gadget and Mobile Phone Insurance Standalone

Gadget and Mobile Phone Insurance Number of Authorised Users

Gadget and Mobile Phone Insurance Installed Software

Gadget and Mobile Phone Insurance Monthly Added Value Account Fee

Gadget and Mobile Phone Insurance Price

Gadget and Mobile Phone Insurance EMB Handset - Maximum Sum Insured

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Goods Carrying Vehicle - Comprehensive Policy Contact Number

Goods Carrying Vehicle - Comprehensive Policy Online Information

Goods Carrying Vehicle - Comprehensive Policy Payment Methods

Goods Carrying Vehicle - Comprehensive Policy DDM Payments

Goods Carrying Vehicle - Comprehensive Policy DDM APR (%)

Goods Carrying Vehicle - Comprehensive Policy Keys in Vehicle Exclusion

Goods Carrying Vehicle - Comprehensive Policy Personal Accident - Sight

Goods Carrying Vehicle - Comprehensive Policy Short Period Policy

Goods Carrying Vehicle - Comprehensive Policy Introductory Discount

Goods Carrying Vehicle - Comprehensive Policy Restrict Drivers Discount

Goods Carrying Vehicle - Comprehensive Policy Excluding Under 25's - Discount

Goods Carrying Vehicle - Comprehensive Policy Limited Mileage Discount

Goods Carrying Vehicle - Comprehensive Policy Multi-Vehicle Discount

Goods Carrying Vehicle - Comprehensive Policy Garaging Discount

Goods Carrying Vehicle - Comprehensive Policy Vehicle Security Discount

Goods Carrying Vehicle - Comprehensive Policy Occupation Discount

Goods Carrying Vehicle - Comprehensive Policy Free Windscreen Etching

Goods Carrying Vehicle - TPFT Policy Contact Number

Goods Carrying Vehicle - TPFT Policy Online Information

Goods Carrying Vehicle - TPFT Policy Payment Methods

Goods Carrying Vehicle - TPFT Policy DDM Payments

Goods Carrying Vehicle - TPFT Policy DDM APR (%)

Goods Carrying Vehicle - TPFT Policy Keys in Vehicle Exclusion

Goods Carrying Vehicle - TPFT Policy Personal Accident - Sight

Goods Carrying Vehicle - TPFT Policy Short Period Policy

Goods Carrying Vehicle - TPFT Policy Introductory Discount

Goods Carrying Vehicle - TPFT Policy Restrict Drivers Discount

Goods Carrying Vehicle - TPFT Policy Excluding Under 25's - Discount

Goods Carrying Vehicle - TPFT Policy Limited Mileage Discount

Goods Carrying Vehicle - TPFT Policy Multi-Vehicle Discount

Goods Carrying Vehicle - TPFT Policy Garaging Discount

Goods Carrying Vehicle - TPFT Policy Vehicle Security Discount

Goods Carrying Vehicle - TPFT Policy Occupancy Discount

Goods Carrying Vehicle - TPFT Policy Free Windscreen Etching

Hairdresser Policy Long Term Period

Hairdresser Policy Contact Number

Page 13 of 59


Hairdresser Policy Online Information

Hairdresser Policy Broker E-Trading

Hairdresser Policy Payment Methods

Hairdresser Policy DDM Payments

Hairdresser Policy DDM Fee (%)

Hairdresser Policy No Claims Discount

Hairdresser Policy NCD - Maximum Discount

Hairdresser Policy NCD - Maximum Years

Hairdresser Policy NCD - 1 Year

Hairdresser Policy NCD - 2 Years




Hairdresser Policy NCD - Previous Insurers

Hairdresser Policy Long Term Policies

Hairdresser Policy Long Term Discount

Hairdresser Policy Voluntary Excess - Discount

High Net Worth Home Policy Contact Number

High Net Worth Home Policy Opening Hours

High Net Worth Home Policy Online Information

High Net Worth Home Policy Online Policy

High Net Worth Home Policy Online Discount

High Net Worth Home Policy DDM APR (%)

High Net Worth Home Policy Outdoor Items

High Net Worth Home Policy Legal Expenses - Definitions

High Net Worth Home Policy Legal Expenses - Conditions

High Net Worth Home Policy Legal Expenses - Exclusions

High Net Worth Home Policy Premium Protection

High Net Worth Home Policy Additional Escape of Water Excess



High Net Worth Home Policy Legal Expenses - Excess

High Net Worth Home Policy Emergency Helpline

High Net Worth Home Policy Counselling Helpline

High Net Worth Home Policy Locks Discount

High Net Worth Home Policy Combined Discount

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High Net Worth Home Policy Stone Built Discount

High Net Worth Home Policy Alarm Discount

High Net Worth Home Policy Neighbourhood Watch Discount

High Net Worth Home Policy Occupancy Discount

High Net Worth Home Policy Smoke Detector Discount

High Net Worth Home Policy Retired Discount

High Net Worth Home Policy Voluntary Excess - Discount

Home Buildings Policy Compare User

Home Buildings Policy EMB Product Type

Home Buildings Policy Contact Number

Home Buildings Policy Opening Hours

Home Buildings Policy Online Policy

Home Buildings Policy Online Discount

Home Buildings Policy Personal Claims Handler

Home Buildings Policy Stand-Alone

Home Buildings Policy Available to the Public

Home Buildings Policy Payment Methods

Home Buildings Policy DDM APR (%)

Home Buildings Policy Squatters Cover

Home Buildings Policy Squatters Sum Insured

Home Buildings Policy Switching Fee

Home Buildings Policy Combined Discount

Home Buildings Policy Combined Discount Sum

Home Buildings Policy Stone Built Discount

Home Buildings Policy Age Discount

Home Buildings Policy Voluntary Excess - Discount

Home Buildings Policy High Sum Insured Discount

Home Buildings Policy Introductory No Claims Discount

Home Buildings Policy Emergency Helpline

Home Buildings Policy Concierge Service

Home Contents Policy Compare User

Home Contents Policy EMB Product Type

Home Contents Policy Contact Number

Home Contents Policy Opening Hours

Home Contents Policy Online Information

Home Contents Policy Online Policy

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Home Contents Policy Online Discount

Home Contents Policy Personal Claims Handler

Home Contents Policy Stand-Alone

Home Contents Policy Available to the Public

Home Contents Policy Payment Methods

Home Contents Policy DDM APR (%)

Home Contents Policy Counselling Fees

Home Contents Policy Jury Service

Home Contents Policy Jury Service - Daily

Home Contents Policy Jury Service - Maximum

Home Contents Policy Combined Discount

Home Contents Policy Combined Discount Sum

Home Contents Policy Locks Discount

Home Contents Policy Alarm Discount

Home Contents Policy Neighbourhood Watch Discount

Home Contents Policy Occupancy Discount

Home Contents Policy Retired Discount

Home Contents Policy Smoke Detector Discount

Home Contents Policy Age Discount

Home Contents Policy Voluntary Excess - Discount

Home Contents Policy High Sum Insured Discount

Home Contents Policy Introductory No Claims Discount

Home Contents Policy Emergency Helpline

Home Contents Policy Counselling Helpline

Home Contents Policy Concierge Service

Home Emergency Cover Standalone Availability

Home Emergency Cover Contact Number

Home Emergency Cover Opening Hours

Home Emergency Cover Online Info

Home Emergency Cover Online Discount

Home Emergency Cover Auto Renewal

Home Legal Expense Insurance Contact Number

Home Legal Expense Insurance Opening Hours

Home Legal Expense Insurance Online Info

Homeworkers Insurance Policy Long Term Period

Homeworkers Insurance Policy Contact Number

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Homeworkers Insurance Policy Online Information

Homeworkers Insurance Policy Broker E-Trading

Homeworkers Insurance Policy Payment Methods

Homeworkers Insurance Policy DDM Payments

Homeworkers Insurance Policy DDM Fee (%)

Homeworkers Insurance Policy Goods In Transit - High Risk

Homeworkers Insurance Policy Business Travel

Homeworkers Insurance Policy No Claims Discount

Homeworkers Insurance Policy NCD - Maximum Discount

Homeworkers Insurance Policy NCD - 1 Year

Homeworkers Insurance Policy NCD - 2 Years




Homeworkers Insurance Policy NCD - Previous Insurers

Homeworkers Insurance Policy Long Term Policies

Homeworkers Insurance Policy Long Term Discount

Homeworkers Insurance Policy Voluntary Excess - Discount

Hotel Package Policy Long Term Period

Hotel Package Policy Contact Number

Hotel Package Policy Online Info

Hotel Package Policy Broker E-Trading

Hotel Package Policy Payment Methods

Hotel Package Policy DDM Payments

Hotel Package Policy DDM Fee (%)

Hotel Package Policy Goods In Transit - High Risk

Hotel Package Policy Computer - Misuse

Hotel Package Policy Business Travel

Hotel Package Policy No Claims Discount

Hotel Package Policy NCD - Maximum Discount

Hotel Package Policy NCD - Maximum Years

Hotel Package Policy NCD - 1 Year

Hotel Package Policy NCD - 2 Years




Page 17 of 59


Hotel Package Policy NCD - Previous Insurers

Hotel Package Policy Long Term Policies

Hotel Package Policy Long Term Discount

Hotel Package Policy Voluntary Excess - Discount

Landlord Home Insurance Contact Number

Landlord Home Insurance Opening Hours

Landlord Home Insurance Online Information

Landlord Home Insurance Online Policy

Landlord Home Insurance Online Discount

Landlord Home Insurance Available to the Public

Landlord Home Insurance Payment Methods

Landlord Home Insurance DDM APR (%)

Landlord Home Insurance Removal of Nests

Landlord Home Insurance Storm Damage to Fences

Landlord Home Insurance Legal Expenses - Premium

Landlord Home Insurance Rent Guarantee - Premium

Landlord Home Insurance Repairs Guaranteed

Landlord Home Insurance Claims Helpline

Landlord Home Insurance Voluntary Excess - Discount

Landlord Home Insurance Squatters Cover

Landlord Home Insurance Squatters Sum Insured

Minor Repair Insurance Maximum Claims limit per year(£) -Scratch and Dent

Minor Repair Insurance Max Number of Claims per Year - Scratch and Dent

Minor Repair Insurance Max. repair limit per year (£) - Alloy Wheel

Minor Repair Insurance Maximum number of repairs per year - Alloy Wheel

Minor Repair Insurance Max No of replacement wheels per year -Alloy Wheel

Minor Repair Insurance Maximum claims limit per year (£) - Tyre

Minor Repair Insurance Maximum number of repairs per year - Tyre Cover

Minor Repair Insurance Max No of replacement tyres per year - Tyre Cover

Mis-Fuelling Cover Contact Number

Mis-Fuelling Cover Online Info

Mis-Fuelling Cover Online Policy

Mis-Fuelling Cover Accommodation - Basis

Motor Breakdown Insurance Star Rated Product (EU)

Motor Breakdown Insurance Star Rated Product (UK)

Page 18 of 59


Motor Breakdown Insurance Contact Number

Motor Breakdown Insurance Online Information

Motor Breakdown Insurance Online Policy

Motor Breakdown Insurance Online Discount

Motor Breakdown Insurance RTA Cover

Motor Breakdown Insurance Pre-Travel Helpline

Motor Breakdown Insurance Monthly Added Value Account Fee

Motor Breakdown Insurance Rating Method

Motor Breakdown Insurance Trailer Premium Load (£)

Motor Breakdown Insurance (EU) Vehicle Loading (£)

Motor Breakdown Insurance (EU) Personal Loading (£)

Motor Breakdown Insurance Home Assistance

Motor Breakdown Insurance Member Discount

Motor Excess Protection Contact Number

Motor Excess Protection Online Info

Motor Excess Protection Online Policy

Motor Excess Protection Selectable Level of Cover

Motor GAP Contact Number

Motor GAP Opening Hours

Motor GAP Online Info

Motor GAP Online Policy

Motor GAP Online Discount

Motor GAP Payment Method

Motor GAP Direct Debit Mandate Deposit (%)

Motor GAP Direct Debit Mandate Payments

Motor GAP Direct Debate Mandate Conditions

Motor GAP Inconvenience Compensation

Motor GAP Inconvenience Compensation Limit (£)

Motor Key Cover Online Info

Motor Key Cover Online Policy

Motor Key Cover Claims Receipt Limit

Motor Legal Expenses Contact Number

Motor Legal Expenses Opening Hours

Motor Legal Expenses Online Info

Motor Legal Expenses Online Policy

Motor Legal Expenses Physiotherapy Cover

Page 19 of 59


Motor Personal Injury Online Info

Motor Personal Injury Online Policy

Office Insurance Package Policy Long Term Period

Office Insurance Package Policy Contact Number

Office Insurance Package Policy Online Information

Office Insurance Package Policy Broker E-Trading

Office Insurance Package Policy Payment Methods

Office Insurance Package Policy DDM Payments

Office Insurance Package Policy DDM Fee (%)

Office Insurance Package Policy Computer - Misuse

Office Insurance Package Policy Business Travel

Office Insurance Package Policy No Claims Discount

Office Insurance Package Policy NCD - Maximum Discount

Office Insurance Package Policy NCD - Maximum Years

Office Insurance Package Policy NCD - 1 Year

Office Insurance Package Policy NCD - 2 Years




Office Insurance Package Policy NCD - Previous Insurers

Office Insurance Package Policy Long Term Policies

Office Insurance Package Policy Long Term Discount

Office Insurance Package Policy Voluntary Excess - Discount

Pet Insurance Contact Number

Pet Insurance Opening Hours

Pet Insurance Online Information

Pet Insurance Online Policy

Pet Insurance Online Discount

Pet Insurance Fees Aggregation

Pet Insurance Preventative Treatment

Pet Insurance Alternative Treatment

Pet Insurance Burglar Reward

Pet Insurance Payment Frequency

Pet Insurance Payment Methods

Pet Insurance DDM Payments

Pet Insurance DDM Terms

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Pet Insurance DDM APR (%)

Pet Insurance Premium Zoning

Pet Insurance Pedigree Rating

Pet Insurance Breed Rating

Pet Insurance Age Rating

Pet Insurance Cat Neutered Discount

Pet Insurance Dog Neutered Discount

Pet Insurance Micro-Chipped Discount

Private Car - Comprehensive Policy Direct or Broker

Private Car - Comprehensive Policy Contact Number

Private Car - Comprehensive Policy Opening Hours

Private Car - Comprehensive Policy Online Information

Private Car - Comprehensive Policy Online Policy

Private Car - Comprehensive Policy UK Call Centre Only

Private Car - Comprehensive Policy Online Discount

Private Car - Comprehensive Policy Personal Claims Handler

Private Car - Comprehensive Policy Payment Methods

Private Car - Comprehensive Policy DDM Payments

Private Car - Comprehensive Policy DDM Terms

Private Car - Comprehensive Policy DDM APR (%)

Private Car - Comprehensive Policy Minimum Age Insured (Northern Ireland)

Private Car - Comprehensive Policy Driving Other Cars - Excess (NI)

Private Car - Comprehensive Policy Child Car Seat

Private Car - Comprehensive Policy Loss of Road Tax

Private Car - Comprehensive Policy Introductory No Claims Discount

Private Car - Comprehensive Policy Maximum - Security Discount

Private Car - Comprehensive Policy Company Car Discount

Private Car - Comprehensive Policy Mirrored No Claims Discount

Private Car - Comprehensive Policy Multi Car Discount

Private Car - Comprehensive Policy Multi Product Discount

Private Car - Comprehensive Policy Counselling Helpline

Private Car - TPFT Policy Contact Number

Private Car - TPFT Policy Opening Hours

Private Car - TPFT Policy Online Information

Private Car - TPFT Policy Online Policy

Private Car - TPFT Policy UK Call Centre Only

Page 21 of 59


Private Car - TPFT Policy Online Discount

Private Car - TPFT Policy Personal Claims Handler

Private Car - TPFT Policy Payment Methods

Private Car - TPFT Policy DDM Payments

Private Car - TPFT Policy DDM Terms

Private Car - TPFT Policy DDM APR (%)

Private Car - TPFT Policy Minimum Age Insured - NI

Private Car - TPFT Policy Child Car Seat

Private Car - TPFT Policy Personal Accident - Sight

Private Car - TPFT Policy Loss of Road Tax

Private Car - TPFT Policy Introductory No Claims Discount

Private Car - TPFT Policy Maximum - Security Discount

Private Car - TPFT Policy Company Car Discount

Private Car - TPFT Policy Mirrored No Claims Discount

Private Car - TPFT Policy Multi Car Discount

Private Car - TPFT Policy Multi Product Discount

Private Car - TPFT Policy Counselling Helpline

Public House Insurance Package Policy Long Term Period

Public House Insurance Package Policy Contact Number

Public House Insurance Package Policy Online Information

Public House Insurance Package Policy Broker E-Trading

Public House Insurance Package Policy Payment Methods

Public House Insurance Package Policy DDM Payments

Public House Insurance Package Policy DDM Fee (%)

Public House Insurance Package Policy Goods In Transit - High Risk

Public House Insurance Package Policy Computer - Misuse

Public House Insurance Package Policy Business Travel

Public House Insurance Package Policy No Claims Discount

Public House Insurance Package Policy NCD - Maximum Discount

Public House Insurance Package Policy NCD - Maximum Years

Public House Insurance Package Policy NCD - 1 Year

Public House Insurance Package Policy NCD - 2 Years




Public House Insurance Package Policy NCD - Previous Insurers

Page 22 of 59


Public House Insurance Package Policy Long Term Policies

Public House Insurance Package Policy Long Term Discount

Public House Insurance Package Policy Voluntary Discount - Excess

Restaurant Insurance Package Policy Long Term Period

Restaurant Insurance Package Policy Contact Number

Restaurant Insurance Package Policy Online Information

Restaurant Insurance Package Policy Broker E-Trading

Restaurant Insurance Package Policy Payment Methods

Restaurant Insurance Package Policy DDM Payments

Restaurant Insurance Package Policy DDM Fee (%)

Restaurant Insurance Package Policy Computer - Misuse

Restaurant Insurance Package Policy Business Travel

Restaurant Insurance Package Policy No Claims Discount

Restaurant Insurance Package Policy NCD - Maximum Discount

Restaurant Insurance Package Policy NCD - Maximum Years

Restaurant Insurance Package Policy NCD - 1 Year

Restaurant Insurance Package Policy NCD - 2 Years




Restaurant Insurance Package Policy NCD - Previous Insurers

Restaurant Insurance Package Policy Long Term Policies

Restaurant Insurance Package Policy Long Term Discount

Restaurant Insurance Package Policy Voluntary Excess - Discount

Retailers Insurance Package Policy Long Term Period

Retailers Insurance Package Policy Contact Number

Retailers Insurance Package Policy Online Information

Retailers Insurance Package Policy Broker E-Trading

Retailers Insurance Package Policy Payment Methods

Retailers Insurance Package Policy DDM Payments

Retailers Insurance Package Policy DDM Fee (%)

Retailers Insurance Package Policy No Claims Discount

Retailers Insurance Package Policy NCD - Maximum Discount

Retailers Insurance Package Policy NCD - Maximum Years

Retailers Insurance Package Policy NCD - 1 Year

Retailers Insurance Package Policy NCD - 2 Years

Page 23 of 59





Retailers Insurance Package Policy NCD - Previous Insurers

Retailers Insurance Package Policy Long Term Policies

Retailers Insurance Package Policy Long Term Discount

Retailers Insurance Package Policy Voluntary Excess - Discount

Single Trip Travel Insurance Policy Cruise Missed Departure - Outbound Sum Insured

Single Trip Travel Insurance Policy Cruise Missed Departure - Inbound Sum Insured

Single Trip Travel Insurance Policy Contact Number

Single Trip Travel Insurance Policy Opening Hours

Single Trip Travel Insurance Policy Online Information

Single Trip Travel Insurance Policy Online Policy

Single Trip Travel Insurance Policy Online Discount

Single Trip Travel Insurance Policy Minimum Adult Age

Single Trip Travel Insurance Policy Medical Screening

Single Trip Travel Insurance Policy Emergency Assistance

Single Trip Travel Insurance Policy Repatriation Service

Single Trip Travel Insurance Policy Terrorism Exclusion

Single Trip Travel Insurance Policy Date Exclusion

Single Trip Travel Insurance Policy Additional Activities

Single Trip Travel Insurance Policy Cruise Minimum Cancellation - Sum Insured

Single Trip Travel Insurance Policy Cruise Maximum Cancellation - Sum Insured

Single Trip Travel Insurance Policy Cruise Minimum Curtailment - Sum Insured

Single Trip Travel Insurance Policy Cruise Maximum Curtailment - Sum Insured

Single Trip Travel Insurance Policy Cruise Minimum Medical Expenses Sum Insured

Single Trip Travel Insurance Policy Cruise Maximum Medical Expenses Sum Insured

Single Trip Travel Insurance Policy Member Discount

Single Trip Travel Insurance Policy No Baggage Discount

Single Trip Travel Insurance Policy No Cancellation Discount

Small Combined Package Policy Long Term Period

Small Combined Package Policy Contact Number

Small Combined Package Policy Online Information

Small Combined Package Policy Broker E-Trading

Small Combined Package Policy Payment Methods

Small Combined Package Policy DDM Payments

Page 24 of 59


Small Combined Package Policy DDM Fee (%)

Small Combined Package Policy Computer - Misuse

Small Combined Package Policy No Claims Discount

Small Combined Package Policy NCD - Maximum Discount

Small Combined Package Policy NCD - Maximum Years

Small Combined Package Policy NCD - 1 Year

Small Combined Package Policy NCD - 2 Years




Small Combined Package Policy NCD - Previous Insurers

Small Combined Package Policy Long Term Policies

Small Combined Package Policy Long Term Discount

Small Combined Package Policy Voluntary Excess - Discount

Small Combined Package Policy CCTV Discount

Surgery Insurance Package Policy Broker E-Trading

Surgery Insurance Package Policy DDM Fee (%)

Surgery Insurance Package Policy Computer - Misuse

Total Loss Hire Car Contact Number

Total Loss Hire Car Online Info

Tradesmen Package Policy Contact Number

Tradesmen Package Policy Online Information

Tradesmen Package Policy Broker E-Trading

Tradesmen Package Policy Payment Methods

Tradesmen Package Policy DDM Payments

Tradesmen Package Policy DDM Fee (%)

Tradesmen Package Policy Business Travel

Tradesmen Package Policy No Claims Discount

Tradesmen Package Policy NCD - Maximum Discount

Tradesmen Package Policy NCD - Maximum Years

Tradesmen Package Policy NCD - 1 Year

Tradesmen Package Policy NCD - 2 Years




Tradesmen Package Policy NCD - Previous Insurers

Page 25 of 59


Tradesmen Package Policy Voluntary Excess - Discount

3.3 Protection



Critical Illness Unit Linked Plan

Stand Alone Critical Illness Unit Linked Plan

Whole of Life Plan Joint Life Three+ Lives

Whole of Life Plan Hospital Cash Benefit

Whole of Life Plan Life Cover Optional

Whole of Life Plan PMI Option

Whole of Life Plan Income Protection Option

Whole of Life Plan Number of ABI Exclusions

Page 26 of 59




Crowdfunding Platforms Legal Structure

Crowdfunding Platforms Financial Backers

Crowdfunding Platforms Acquisitions 12 Months

Crowdfunding Platforms Other Charges

Crowdfunding Platforms Minimum Exposure to Consumer Loans (%)

Crowdfunding Platforms Maximum Exposure to Consumer Loans (%)

Crowdfunding Platforms Average Exposure to Consumer Loans (%)

Crowdfunding Platforms Minimum Exposure to Business Loans (%)

Crowdfunding Platforms Maximum Exposure to Business Loans (%)

Crowdfunding Platforms Average Exposure to Business Loans (%)

Crowdfunding Platforms Client Money Election

Crowdfunding Platforms Provision Fund Value (£)

Crowdfunding Platforms Provision Func Value Date

Crowdfunding Platforms Provision Fund Percent of Total Loans Outstanding

Crowdfunding Platforms Loan Underwriting

Crowdfunding Platforms Consumer Loan Applications Declined (%)

Crowdfunding Platforms Consumer Loan Applications Declined Date

Crowdfunding Platforms Consumer Loan Applications Declined Previous (%)

Crowdfunding Platforms Consumer Loan Applications Declined Previous Date

Crowdfunding Platforms Business Loan Applications Declined (%)

Crowdfunding Platforms Business Loan Applications Declined Date

Crowdfunding Platforms Business Loan Applications Declined Previous (%)

Crowdfunding Platforms Business Loan Applications Declined Previous Date

Crowdfunding Platforms Mobile App Charge

Crowdfunding Platforms Turnover 12 Months £M

Crowdfunding Platforms Net Profit 12 Months £M

Crowdfunding Platforms New Business 12 Months £M

Crowdfunding Platforms New Business Date

Crowdfunding Platforms Reinvested Business 12 Months £M

Crowdfunding Platforms Reinvested Business 12 Months Date

Page 27 of 59


Individual Stakeholder Maximum Transfer AMC (%)

Individual Stakeholder Maximum Product Admin Fee (%)

Individual Stakeholder Maximum £ Limit On % Product Charge RP

Individual Stakeholder Full Plan Closure Fee (%)

Personal Pension Plan Minimum Set-up Fee RP (£)

Personal Pension Plan Maximum Set-up Fee RP (£)

Personal Pension Plan Minimum Set-up Fee RP (%)

Personal Pension Plan Maximum Set-up Fee RP (%)

Personal Pension Plan Set-up Fee RP Years

Personal Pension Plan Initial Charge (%)

Personal Pension Plan Minimum Product Charge RP (£)

Personal Pension Plan Maximum Product Charge RP (£)

Personal Pension Plan Minimum Product Charge RP (%)

Personal Pension Plan Maximum Product Charge RP (%)

Personal Pension Plan Minimum £ Limit On % Product Charge RP

Personal Pension Plan Maximum £ Limit On % Product Charge RP

Personal Pension Plan Maximum £ Limit On % Product Charge SP

Personal Pension Plan Set-up Fee SP Years

Personal Pension Plan Full Plan Closure Fee (%)

Personal Pension Plan PCLS Payment Fee (%)

Personal Pension Plan PCLS Payment Fee Minimum (£)

Personal Pension Plan PCLS Payment Fee Maximum (£)

Personal Pension Plan PCLS Payment Fee Time Cost

Personal Pension Plan PCLS Payment Fee Type

Personal Pension Transfer Plan Initial Charge (%)

Personal Pension Transfer Plan Set-up Fee SP Years

Personal Pension Transfer Plan Full Plan Closure Fee (%)

SIPP Minimum Set-up Fee RP (£)

SIPP Maximum Set-up Fee RP (£)

SIPP Minimum Set-up Fee RP (%)

SIPP Maximum Set-up Fee RP (%)

SIPP Minimum Product Charge RP (£)

SIPP Maximum Product Charge RP (£)

SIPP Minimum Product Charge RP (%)

SIPP Maximum Product Charge RP (%)

SIPP Full Plan Closure Fee (%)

Page 28 of 59


SIPP PCLS Payment Fee (%)

SIPP PCLS Payment Fee Minimum (£)

SIPP PCLS Payment Fee Maximum (£)

SIPP PCLS Payment Fee Time Cost

SIPP PCLS Payment Fee Type

Small Self Administered Schemes Capped Drawdown Transfer In Fee

Small Self Administered Schemes Minimum Capped Drawdown Transfer In Fee (£)

Small Self Administered Schemes Maximum Capped Drawdown Transfer In Fee (£)

Small Self Administered Schemes Capped Drawdown Transfer In Fee Time Cost

Small Self Administered Schemes Capped Drawdown Transfer In Fee (%)

Trustee Investment Plan Set-up Fee SP Years

Trustee Investment Plan Initial Charge (%)

Trustee Investment Plan Full Plan Closure Fee (%)

4 Column Replacements

The following column replacements were made in Matrix between 04 November 2018 and 01 February 2019.

4.1 Banking

The following overdraft buffer limit columns will be replaced with individual columns for arranged and unarranged overdraft buffers due to market changes:

Table Name Current Column Name New Column Name

Basic Bank Account Overdraft Buffer Limit Arr O/D Buffer Limit

Basic Bank Account Overdraft Buffer Limit Unarr O/D Buffer Limit

Business Notice Account Withdrawal Notice old Withdrawal Notice

Current/Cheque Account Overdraft Buffer Limit Arr O/D Buffer Limit

Current/Cheque Account Overdraft Buffer Limit Unarr O/D Buffer Limit

Equity Release Mortgage ERC Calculation Basis ERC Calc Based Full Redem

Equity Release Mortgage Sheltered Accommodation Category 1

Sheltered Accommodation

Equity Release Mortgage Sheltered Accommodation Category 2

Sheltered Accommodation

Student & Graduate Account Overdraft Buffer Limit Arr O/D Buffer Limit

Student & Graduate Account Overdraft Buffer Limit Unarr O/D Buffer Limit

Page 29 of 59

Now that contactless payment limits have become aligned, it is no longer necessary to capture the individual limits of different cards so the following columns will be replaced with yes/no columns to capture whether contactless payments are allowed:


Basic Bank Account Contactless Payment Limit Contactless Payments Card

Current/Cheque Account Contactless Payment Limit Contactless Payments Card

Student & Graduate Account Contactless Payment Limit Contactless Payments Card

Page 30 of 59


The following columns will be replaced for consistency with other insurance tables:


Annual Travel Insurance Policy Independent Traveller Independent Traveller

Annual Travel Insurance Policy Medical Expenses Minimum Medical Min

Annual Travel Insurance Policy Baggage Total Minimum Baggage Min

Annual Travel Insurance Policy Cancellation Minimum Sum Insured

Cancellation Min

Annual Travel Insurance Policy Curtailment Minimum Sum Insured

Curtailment Min

Annual Travel Insurance Policy Travel Abandonment Maximum Sum Insured

Travel Abandonment Maximum SI

Caravan Insurance Direct Debit Mandate Fee Type

DDM Interest Free

Caravan Insurance Direct Debit Mandate fee value

DDM Interest Free

Caravan Insurance Escape of Water/Oil/LPG Esc of Water/Oil/LPG

Commercial Car Policy DDM Fee (%) DDM Interest Free

Commercial Car Policy Driver at 22 Excess Driver 21-24 XS



Commercial Car Policy Repairs Guarantee - All Repairs Guarantee

Extended Trip Travel Insurance Policy Medical Expenses Minimum Medical Min

Extended Trip Travel Insurance Policy Baggage Total Minimum Baggage Min

Extended Trip Travel Insurance Policy Cancellation Min SI Cancellation Min

Extended Trip Travel Insurance Policy Curtailment Min SI Curtailment Min

Extended Trip Travel Insurance Policy Travel Abandonment Maximum Sum Insured

Travel Abandonment Max

Fleet Policy DDM Fee (%) DDM Interest Free

Gadget and Mobile Phone Insurance Theft Theft

Gadget and Mobile Phone Insurance Excess - Claim Two Increase of Excess

Gadget and Mobile Phone Insurance Excess - Third or Subsequent Claims

Increase of Excess

Goods Carrying Vehicle - Comprehensive Policy

DDM Fee (%) DDM Interest Free

Goods Carrying Vehicle - TPFT Policy DDM Fee (%) DDM Interest Free

High Net Worth Home Policy DDM Fee (%) DDM Interest Free

Page 31 of 59


High Net Worth Home Policy Survey/Appraisal Survey/Appraisal

Home Buildings Policy Online Information Online Purchase

Home Buildings Policy DDM Fee (%) DDM Interest Free

Home Buildings Policy Assumed Sum Insured (Buildings)

Assumed Sum Insured

Home Contents Policy DDM Fee (%) DDM Interest Free

Home Emergency Cover Distribution - Broker Distribution Channel

Home Emergency Cover Distribution - Direct Distribution Channel

Landlord Home Insurance DDM Fee (%) DDM Interest Free

Landlord Home Insurance Accidental Damage Excess Acc Damage XS (B)

Landlord Home Insurance Accidental Damage Excess Acc Damage XS (C)

Minor Repair Insurance Excess Basis - Scratch and Dent

Multiple Repair XS (SD)

Minor Repair Insurance Run flat Tyres - Tyre Cover Run Flat Tyres (TY)

Motor Personal Injury Territorial Limit Includes the UK

Territory

Motor Personal Injury Territorial Limit Includes Europe

Territory

Motor Personal Injury Territorial Limit Includes Worldwide

Territory

Motorcycle Policy - Comprehensive DDM Fee (%) DDM Interest Free

Motorcycle Policy - Comprehensive Bike Rescue Cover Basis Bike Rescue Cover Basis

Pet Insurance Cremation or Burial Expenses Cremation Burial Expenses

Pet Insurance Personal Accident - Benefit PA Benefits

Pet Insurance Loss of Cat Pet Passport Loss of Pet Passport

Pet Insurance Loss of Dog Pet Passport Loss of Pet Passport

Pet Insurance Overseas Travel - Additional Benefits

Overseas Emerg Expenses

Pet Insurance DDM Fee (%) DDM Interest Free

Pet Insurance Euthanasia Charges Euthanasia Charges

Private Car - Comprehensive Policy DDM Fee (%) DDM Interest Free

Private Car - Comprehensive Policy DDM Fee (£) DDM Interest Free

Private Car - Comprehensive Policy Car Rescue Cover Basis Car Rescue Cover Basis

Private Car - Comprehensive Policy Accident Transport Location Accident Trans Location

Private Car - Comprehensive Policy Non-Approved Repairer Excess

Non-Approve Repair Add XS

Private Car - TPFT Policy DDM Fee (%) DDM Interest Free

Private Car - TPFT Policy DDM Fee (£) DDM Interest Free

Page 32 of 59


Private Car - TPFT Policy Alternative Transport Costs Alt Transport Costs

Private Car - TPFT Policy Car Rescue Cover Basis Car Rescue Cover Basis

Single Trip Travel Insurance Policy Independent Traveller Independent Traveller

Single Trip Travel Insurance Policy Medical Expenses Minimum Medical Min

Single Trip Travel Insurance Policy Baggage Total Minimum Baggage Minimum Sum Insured

Single Trip Travel Insurance Policy Cancellation Minimum Sum Insured

Cancellation Minimum Sum Insured

Single Trip Travel Insurance Policy Curtailment Minimum Sum Insured

Curtailment Minimum Sum Insured

Single Trip Travel Insurance Policy Travel Abandonment Maximum Sum Insured



The following column will be replaced with individual columns for UK and non-UK domiciles due to market changes:


Investment ISA Exchange-Traded Funds ETFs UK Domicile

Investment ISA Exchange-Traded Funds ETFs Non-UK Domicile

5 Column Data Type Changes

The following column data type changes were made in Matrix between 04 November 2018 and 01 February 2019.

5.1 Banking

A new entry value for 'savings or current account' will be added to the following columns to accommodate market changes:


Cash ISA Additional Account Required Type

Instant Access/No Notice Account Additional Account Required Type

Notice Account Additional Account Required Type

Regular Savings Account Additional Account Required Type

Savings Additional Account Required Type

Term Account Additional Account Required Type

Page 34 of 59

The entry values of the following columns will be changed to 'EU', 'world', 'na', and 'ns' to record the different non-UK options allowed:


Children's Instant Access/No Notice Account Open to Non-UK Residents

Children's Notice Account Open to Non-UK Residents

Children's Term Account Open to Non-UK Residents

Instant Access/No Notice Account Open to Non-UK Residents

Notice Account Open to Non-UK Residents

Offshore Instant Access/No Notice Account Open to Non-UK Residents

Offshore Notice Account Open to Non-UK Residents

Offshore Term Account Open to Non-UK Residents

Regular Savings Account Open to Non-UK Residents

Savings Open to Non-UK Residents

Term Account Open to Non-UK Residents

Page 35 of 59

6 DNA Structure Changes

The following DNA structure changes were made in Matrix between 04 November 2018 and 01 February 2019.

6.1 Banking

The following columns' DNA structures will be amended to the following in support of the 2019 Star Ratings to be launched on 1st February:

Table Name Column Name New DNA Structure

Credit Card Number of Mobile App Features

DNA1 - No mobile app features are offered

DNA2 -

DNA3 - One mobile app feature is offered

DNA4 - Two mobile app features are offered

DNA5 - All three mobile app features are offered

Equity Release Mortgage Early Redemption Charge Calculation

DNA1 - ERC capped at a maximum of 25%

DNA2 - ERC capped at a maximum of 20%

DNA3 - ERC capped at a maximum of 6% or more per year

DNA4 - ERC capped at a maximum of 5% or less per year

DNA5 - ERC calculation based on a fixed method

Equity Release Mortgage Minimum Initial Cash Lump Sum

DNA1 - Min initial cash lump sum is over £50,000

DNA2 - Min initial cash lump sum £40,000 to £50,000



DNA5 - Min initial cash lump sum up to £10,000

Equity Release Mortgage Minimum Property Value

DNA1 - Minimum property value £500,000 or more

DNA2 - Minimum property value £350,000 to £499,000



DNA5 - Minimum property value is less than £100,000

Page 36 of 59

Page 37 of 59




Annual Travel Insurance Policy

Personal Liability Maximum Sum Insured

DNA1 - Personal liability not covered

DNA2 - Personal liability limit of indemnity is less than £1m

DNA3 - Personal liability limit of indemnity is £1m-£1.99m


DNA5 - Personal liability limit of indemnity is £3m or greater


Ski Pack

DNA1 - No cover for loss of unused ski pack

DNA2 - Cover for loss of unused ski pack is less than £300

DNA3 - Cover for loss of unused ski pack is £300-£499

DNA4 - Cover for loss of unused ski pack is £500-£749

DNA5 - Cover for loss of unused ski pack is £750 or greater


Loss of Ski Pass

DNA1 - No cover for the cost or replacing a lost ski pass

DNA2 - Cover for cost of replacing a lost ski pass is less than £250

DNA3 - Cover for cost of replacing a lost ski pass is £250-£449

DNA4 - Cover for cost of replacing a lost ski pass is £450-£599

DNA5 - Cover for cost of replacing a lost ski pass is £600 or greater


Cruise Baggage - Valuables Sum Insured

DNA1 - There is no cover for baggage

DNA2 - The valuables limit is less than £250

DNA3 - The valuables limit is £250-£399


DNA5 - The valuables limit is £500 or more

Page 38 of 59



Cancellation Maximum Sum Insured

DNA1 - Cancellation is not covered

DNA2 - Cancellation cover is less than £1,000

DNA3 - Cancellation cover is between £1,000 and £1,999


DNA5 - Cancellation cover £3,000 or more, or up to holiday cost


Medical Expenses Maximum

DNA1 - No cover for medical expenses

DNA2 - Medical expenses benefit limit is less than £1m

DNA3 - Medical expenses benefit limit is £1m-£1.99m


DNA5 - Medical expenses benefit is £3m or greater


Curtailment Maximum Sum Insured

DNA1 - Curtailment is not covered

DNA2 - Curtailment cover is less than £1,000

DNA3 - Curtailment cover is between £1,000 and £1,999


DNA5 - Curtailment cover £3,000 or more, or up to holiday cost


Cruise Minimum Baggage Sum Insured


DNA2 - The sum insured for baggage is less than £1,000

DNA3 - The sum insured for baggage is £1,000-£1,499


DNA5 - The sum insured for baggage is £2,000 or more


Cruise Maximum Baggage Sum Insured






Page 39 of 59




DNA1 - No travel abandonment cover

DNA2 - Maximum travel abandonment covered for less than £1,000

DNA3 - Maximum travel abandonment covered for between £1,000 and £1,999

DNA4 - Maximum travel abandonment covered for between £2,000 and £2,999

DNA5 - Max travel abandonment covered for £3,000 or more

Extended Trip Travel Insurance Policy

Stopover Cover Limit

DNA1 - Stopovers are not allowed under the policy

DNA2 - A stopover of 24 hours or less is allowed under the policy

DNA3 - A stopover of 2-3 days (48-72hrs) is allowed under the policy

DNA4 - A stopover of 4-6 days (73-144hrs) is allowed under the policy

DNA5 - A stopover of 7 days or more (145hrs or more) is allowed




DNA2 - Medical expenses sum insured is less than £1m

DNA3 - Medical expenses sum insured is £1m-£1.99m

DNA4 - Medical expenses sum insured is £2m-£2.99m

DNA5 - Medical expenses sum insured is £3m or greater


Baggage Total Maximum

DNA1 - Loss of personal baggage is not covered

DNA2 - Maximum sum insured for personal baggage is less than £750

DNA3 - Maximum sum insured for personal baggage is £1500-£1,999

DNA4 - Maximum sum insured for personal baggage is £2,000-£2,499

DNA5 - Maximum sum insured for personal baggage is £2,500 or greater

Page 40 of 59



Cancellation Maximum Sum Insured

DNA1 - No cover for cancellation

DNA2 - Cover for cancellation is less than £1,000

DNA3 - Cover for cancellation is £1,000 to £1,999

DNA4 - Cover for cancellation is £2,000 to £2,999

DNA5 - Cover for cancellation is £3,000 or greater


Curtailment Maximum Sum Insured

DNA1 - No cover for curtailment

DNA2 - Cover for curtailment is less than £1,000

DNA3 - Cover for curtailment is £1,000 to £1,999

DNA4 - Cover for curtailment is £2,000 to £2,999

DNA5 - Cover for curtailment is £3,000 or greater



DNA1 - Personal liability is not covered


DNA3 - Personal liability limit of indemnity is between £1m - £1.99m

DNA4 - Personal liability limit of indemnity is between £2m - £2.99m


Gadget and Mobile Phone Insurance

Initial Exclusion Period - Claims

DNA1 - There is an initial exclusion period of 21 days or longer

DNA2 - There is an initial exclusion period of 15 to 20 days

DNA3 - There is an initial exclusion period of 14 days

DNA4 - There is an initial exclusion period of less than 14 days

DNA5 - There is no initial exclusion period

Page 41 of 59



Theft Maximum Excess - Gadget

DNA1 - The maximum theft excess is £200 or more

DNA2 - The maximum theft excess is between £125 and £199

DNA3 - The maximum excess for theft claims is between £75 - £124

DNA4 - he maximum excess for theft claims is between £75 - £74

DNA5 - The maximum excess for theft claims is less than £50


Accidental Damage Maximum Excess - Gadget

DNA1 - The maximum AD excess is £200 or more

DNA2 - The maximum AD excess is between £125 and £199

DNA3 - The maximum AD excess is between £75 and £124

DNA4 - The maximum excess for accidental damage claims is between £50 - £74

DNA5 - The maximum excess for accidental damage claims is less than £50


Loss Maximum Excess - Gadget

DNA1 - The maximum loss excess is £200 or more

DNA2 - The maximum loss excess is between £125 and £199

DNA3 - The maximum excess for loss claims is between £75 - £124


DNA5 - The maximum excess for loss claims is less than £50


Breakdown Maximum Excess - Gadget

DNA1 - The maximum breakdown excess is £200 or more

DNA2 - The maximum breakdown excess is between £125 and £199




Page 42 of 59



Accidental Damage Maximum Excess - Phones

DNA1 - The maximum excess for accidental damage claims is £150 or more




DNA5 - The maximum excess for accidental damage claims is less than £50


Theft Maximum Excess - Phones

DNA1 - The maximum excess for theft claims is £150 or more




DNA5 - The maximum excess for theft claims is less than £50


Loss Maximum Excess - Phones

DNA1 - The maximum excess for loss claims is £150 or more






Breakdown Maximum Excess - Phones

DNA1 - The maximum excess for breakdown claims is £150 or more

DNA2 - The maximum excess for breakdown claims is between £100 - £149



DNA5 - The maximum excess for breakdown claims is less than £50

Page 43 of 59


Goods Carrying Vehicle - Comprehensive Policy

Third Party Property

DNA1 - Third party property damage limit less than £2m

DNA2 -

DNA3 - Third party property damage limit is between £2m and £4.99m

DNA4 - Third party property damage limit is between £5m and £9.99m

DNA5 - Third party property damage limit is £10m or more

Home Buildings Policy Loss of Keys

DNA1 - No cover for lock replacement

DNA2 - Lock replacement cover is less than £300

DNA3 - Lock replacement cover is £300 to £499


DNA5 - Lock replacement cover is £750 or greater

Home Buildings Policy Theft Of Keys

DNA1 - No cover for lock replacement

DNA2 - Lock replacement cover is less than £300



DNA5 - Lock replacement cover is £750 or greater

Home Contents Policy Theft of Keys

DNA1 - No cover for lock replacement after theft of keys

DNA2 - Cover for lock replacement after theft of keys is less than £300

DNA3 - Cover for lock replacement after theft of keys is £300-£499

DNA4 - Cover for lock replacement after theft of keys is £500-£749

DNA5 - Cover for lock replacement after theft of keys is £750 or more

Page 44 of 59


Home Contents Policy Freezer Contents

DNA1 - No cover for loss of freezer contents

DNA2 - Loss of freezer contents cover is less than £250

DNA3 - Loss of freezer contents cover is between £250 and £399

DNA4 - Loss of freezer contents cover is between £400 and £749

DNA5 - Loss of freezer contents cover is £750 or greater

Home Contents Policy Loss of Keys

DNA1 - No cover for lock replacement after loss of keys

DNA2 - Cover for lock replacement after loss of keys is less than £300

DNA3 - Cover for lock replacement after loss of keys is £300-£499

DNA4 - Cover for lock replacement after loss of keys is £500-£749

DNA5 - Cover for lock replacement after loss of keys is £750 or more

Home Contents Policy Mobile Phone Sum Insured

DNA1 - No cover for mobile phones within the home

DNA2 - Mobile phones are covered within the home for less than £500

DNA3 - Mobile phones are covered within the home for £500-£999

DNA4 - Mobile phones are covered within the home for £1,000-£1,999

DNA5 - Mobile phones are covered within the home for £2,000 or more

Hotel Package Policy Documents and Books - Maximum Sum Insured

DNA1 - Documents, paper records & books cover are not covered

DNA2 - Documents & books cover is less than £5,000

DNA3 - Documents & books cover is £5,000 to £9,999

DNA4 - Documents & books cover is £10,000 or more

DNA5 - Docs, paper records & books cover is within the overall contents si

Page 45 of 59


Hotel Package Policy Trace and Access

DNA1 - Cover for trace and access costs is not provided

DNA2 - Trace and access cover is less than £5,000

DNA3 - Trace and access cover is between £5,000 and £9,999


DNA5 - Trace and access cover is £25,000 or more

Hotel Package Policy Contents - Standard Excess

DNA1 - Contents standard excess £500 or greater

DNA2 - Contents standard excess is £350-£499



DNA5 - Contents standard excess is less than £200

Hotel Package Policy EMB Contents Escape of Water Excess

DNA1 - Escape of water excess is £500 or more

DNA2 - Escape of water excess is £350 to £499



DNA5 - Escape of water excess is less than £200

Hotel Package Policy Buildings - Standard Excess

DNA1 - Buildings standard excess is £500 or more

DNA2 - Buildings standard excess is £350-£499



DNA5 - Buildings standard excess is less than £200

Page 46 of 59


Hotel Package Policy Buildings Escape of Water Excess






Hotel Package Policy Glass Sum Insured

DNA1 - Breakage of glass cover is less than £5,000

DNA2 - Breakage of glass cover is £5,000 to £9,999

DNA3 - Breakage of glass cover is £10,000 or more

DNA4 - Sum insured for breakage of glass is selected by the Insured

DNA5 - Sum insured for breakage of glass is within c/si or unlimited

Minor Repair Insurance Limit Per Replacement (£) - Tyre Cover

DNA1 - Replacement tyres are covered for less than £100

DNA2 - Replacement tyres are covered for £100 to £149



DNA5 - Replacement tyres are covered for £350 or more

Motor GAP Motor Policy Excess (£)

DNA1 - There is no motor policy excess cover

DNA2 - The motor policy excess is covered for less than £250

DNA3 - The motor policy excess is covered for £250 - £499

DNA4 - The motor policy excess is covered for £500 - £749

DNA5 - The motor policy excess is covered for £750 or more

Page 47 of 59


Motor GAP Cancellation Fee

DNA1 - In the event of cancellation a fee of £50 or more is charged

DNA2 - In the event of cancellation a fee of £40 - £49 is charged

DNA3 - In the event of cancellation a fee of £30 - £39 is charged

DNA4 - In the event of cancellation a fee of less than £30 is charged

DNA5 - In the event of cancellation no fee is charged.

Office Insurance Package Policy

Trace and Access






Office Insurance Package Policy

Loss of Metered Water

DNA1 - Loss of metered water not covered

DNA2 - Sum insured for loss of metered water is less than £2,500

DNA3 - Sum insured for loss of metered water is £2,500 - £4,999


DNA5 - Sum insured for loss of metered water is £10,000 or greater

Pet Insurance Diet Foods

DNA1 - No cover for cost of diet foods

DNA2 -

DNA3 -

DNA4 - Cost of diet foods is covered with restrictions

DNA5 - Cost of diet foods is covered without restrictions

Pet Insurance Cat Boarding Fees

DNA1 - No cover for cattery fees

DNA2 - Cover for cattery fees is less than £500

DNA3 - Cover for cattery fees is between £500 and £599

DNA4 - Cover for cattery fees is between £600 and £999

DNA5 - Cover for cattery fees is £1,000 or greater

Page 48 of 59


Pet Insurance Accidental Damage - Third Party

DNA1 - No cover for AD to third party property by the pet

DNA2 - AD to third party property by the pet is covered for less than £250

DNA3 - AD to third party property by the pet is covered for £250 to £499

DNA4 - AD to third party property by the pet is covered for £500 to £749

DNA5 - AD to third party property by the pet is covered for £750 or more

Pet Insurance Dog Boarding Fees

DNA1 - No cover for kennel fees

DNA2 - Cover for kennel fees is less than £300

DNA3 - Cover for kennel fees is between £300 and £599

DNA4 - Cover for kennel fees is between £600 and £999

DNA5 - Cover for kennel fees is £1,000 or greater

Pet Insurance Exclusion Period Accident

DNA1 - Exclusion period is 15 days or longer

DNA2 - Exclusion period is 7 - 14 days

DNA3 - Exclusion period is 4 - 6 days

DNA4 - Exclusion period is 3 days or less

DNA5 - No exclusion period

Private Car - Comprehensive Policy

Windscreen - Replace Excess

DNA1 - Windscreen replacement excess is £100 or more, or varies

DNA2 - Windscreen replacement excess is £90-£99



DNA5 - Windscreen replacement excess is less than £60

Public House Insurance Package Policy

Documents & Books - Maximum Sum Insured






Page 49 of 59



Trace & Access

DNA1 - No cover for trace and access costs




DNA5 - Trace and access cover is £25,000 or greater





DNA3 - Sum insured for loss of metered water is £2,500-£4,999




Contents - Standard Excess

DNA1 - Contents standard excess is £500 or greater






Contents Escape of Water Excess






Page 50 of 59



Buildings - Standard Excess







Buildings Escape of Water Excess







Glass Sum Insured


DNA2 - Breakage of glass cover is £5,000 to £9,999


DNA4 - Breakage of glass is covered within the contents sum insured

DNA5 - Breakage of glass is covered for the sum selected or without limit


Money on Premises - Maximum

DNA1 - Cover for money on the premises is less than £5,000

DNA2 - Max sum insured for money on the premises is £5,000-£7,499


DNA4 - Max sum insured for money on the premises is £10,000 or more

DNA5 - Max sum insured for money on the premises is selected by the Insured

Page 51 of 59



Money in Safe - Maximum Sum Insured

DNA1 - Money in the safe maximum sum insured is less than £3,000

DNA2 - Money in the safe maximum sum insured is £3,000-£4999

DNA3 - Money in the safe maximum sum insured is £5,000-£9999

DNA4 - Money in the safe maximum sum insured is £10,000 or more

DNA5 - Money in the safe maximum sum insured is selectable

Restaurant Insurance Package Policy

Documents and Books - Maximum Sum Insured







Trace and Access

DNA1 - No cover for trace and access costs












Page 52 of 59



Contents - Standard Excess

DNA1 - Contents standard excess is £500 or greater













Buildings - Standard Excess













Page 53 of 59



Glass Sum Insured


DNA2 - Breakage of glass cover is £5,000 to £9,999 or 5% of the sum insured


DNA4 - Breakage of glass is covered within the contents sum insured

DNA5 - Breakage of glass is covered for the selectd sum insd or without limit



DNA1 - Cover for money on the premises is less than £5,000


DNA3 - Max sum insured for money on the premises is £7,500 - £9,999

DNA4 - Max sum insured for money on the premises is £10,000 or more

DNA5 - Max sum insured for money on the premises is selected by the Insured


Money in Safe - Maximum Sum Insured

DNA1 - Money in the safe maximum sum insured is less than £3,000

DNA2 - Money in the safe maximum sum insured is £3,000-£4,999

DNA3 - Money in the safe maximum sum insured is £5,000-£9,999

DNA4 - Money in the safe maximum sum insured is £10,000 or more

DNA5 - Money in the safe maximum sum insured is selectable

Retailers Insurance Package Policy

Documents and Books - Maximum Sum Insured

DNA1 - Cover for documents, paper records & books is not provided

DNA2 - Documents, paper records & books cover is less than £5,000

DNA3 - Documents, paper records & books cover is £5,000 to £9,999

DNA4 - Documents, paper records & books cover is £10,000 or greater


Page 54 of 59



Trace & Access








DNA1 - Loss of metered water cover is not provided

DNA2 - Sum insured for loss of meter water is less than £2,500

DNA3 - Sum insured for loss of meter water is £2,500 to £4,999

DNA4 - Sum insured for loss of meter water is £5,000 to £9,999

DNA5 - Sum insured for loss of meter water is £10,000 or more

Single Trip Travel Insurance Policy


DNA1 - No cover for personal liability






Ski Pack

DNA1 - No cover for loss of ski pack use

DNA2 - Loss of ski pack sum insured is less than £300

DNA3 - Loss of ski pack sum insured is £300-£499

DNA4 - Loss of ski pack sum insured is £500-£749

DNA5 - Loss of ski pack sum insured is £750 or greater

Page 55 of 59



Loss of Ski Pass

DNA1 - No cover for replacement of lost ski pass

DNA2 - Sum insured for replacement of lost ski pass is less than £250

DNA3 - Sum insured for replacement of lost ski pass is £250-£449

DNA4 - Sum insured for replacement of lost ski pass is £450-£599

DNA5 - Sum insured for replacement of lost ski pass is £600 or greater


Cruise Baggage - Valuables Sum Insured


DNA2 - The valuables limit is less than £250



DNA5 - The valuables limit is £500 or more


Cancellation Max SI

DNA1 - Cancellation is not covered

DNA2 - Cancellation cover is less than £1,000



DNA5 - Cancellation cover £3,000 or more, or up to holiday cost




DNA2 - Medical expenses benefit limit is less than £1m



DNA5 - Medical expenses benefit is £3m or greater


Curtailment Max SI

DNA1 - Curtailment not covered

DNA2 - Curtailment cover is less than £1,000



DNA5 - Curtailment cover £3,000 or more, or up to holiday cost

Page 56 of 59



Cruise Minimum Baggage Sum Insured







Cruise Maximum Baggage Sum Insured







Baggage Minimum Sum Insured

DNA1 - No minimum cover for baggage

DNA2 - Minimum baggage sum insured is less than £750

DNA3 - Minimum baggage sum insured is between £750 - £999

DNA4 - Minimum baggage sum insured is between £1,000 - £1,499

DNA5 - Minimum baggage sum insured is £1,500 or greater


Cancellation Minimum Sum Insured

DNA1 - There is no minimum cancellation cover

DNA2 - Minimum cancellation cover is less than £750

DNA3 - Minimum cancellation cover is between £750 and £1,499

DNA4 - Minimum cancellation cover is between £1,500 and £2,499

DNA5 - Minimum cancellation cover £2,500 or more, or up to holiday cost

Page 57 of 59



Curtailment Minimum Sum Insured

DNA1 - No minimum curtailment cover

DNA2 - Minimum curtailment cover is less than £750

DNA3 - Minimum curtailment cover is between £750 and £1,499

DNA4 - Minimum curtailment cover is between £1,500 and £2,499

DNA5 - Minimum curtailment cover £2,500 or more, or up to holiday cost



DNA1 - No minimum travel abandonment cover

DNA2 - Minimum travel abandonment covered for less than £1,000

DNA3 - Minimum travel abandonment covered for between £1,000 and £1,999

DNA4 - Minimum travel abandonment covered for between £2,000 and £2,999

DNA5 - Min travel abandonment covered for £3,000 or more

Small Combined Package Policy



DNA2 - Escape of water excess is at least £300 but under £350






DNA1 - Escape of water excess is £350 or greater





Page 58 of 59




DNA1 - Maximum SI for money on the premises is less than £5,000

DNA2 - Maximum SI for money on premises is £5,000 to £9,999

DNA3 - Maximum SI for money on premises £10,000 to £14,999

DNA4 - Maximum SI for money on premises is £15,000 to £19,999

DNA5 - Max sum insured for money on the premises is £20,000+, or selected sum


Money - Excess

DNA1 - Money standard excess is £300 or greater

DNA2 - Money standard excess is at least £200 but under £300

DNA3 - Money standard excess is at least £100 but under £200

DNA4 - Money standard excess is under £100

DNA5 - No excess on the Money section

Surgery Insurance Package Policy

Trace & Access






Surgery Insurance Package Policy







Page 59 of 59


Tradesmen Package Policy Tools - Article Sum Insured

DNA1 - Cover for tools and equipment is not provided

DNA2 - Max sum insured per tool or piece of equipment is less than £750

DNA3 - Max sum insured per tool or piece of equipment is £750-£1,499

DNA4 - Max sum insured per tool or piece of equipment is £1,500-£4,999

DNA5 - Max sum insured per tool or piece of equipment is £5,000 or greater

Tradesmen Package Policy EL - Working Partners (availability)

DNA1 - Employers' liability cover for working partners is not available.

DNA2 -

DNA3 -

DNA4 -

DNA5 - Employers' liability cover for working partners is available.




International Bond Fund Style Options

DNA1 - Access to 0 of the fund style options

DNA2 -




Unit Linked Bond Maximum Number of Funds per Policy

DNA1 - 1 to 4

DNA2 - 5 to 9

DNA3 - 10 to 24

DNA4 - 25 to 50

DNA5 - 51 or more

Workplace Pensions Fin Strength Capab Assess

DNA1 - Provider doesn't hold AKG Financial Strength rating of B or ICAEW/TPR

DNA2 -

DNA3 -

DNA4 -

DNA5 - Provider hold AKG Financial Strength rating of at least B or ICAEW/TPR