Please read this document carefully, as by accepting these Terms of Business, you are giving your consent to the actions described in the following sections.

Norton Insurance, Regency House, 97 - 107 Hagley Road Edgbaston Birmingham B16 8LA

We are authorised and regulated by the Financial Services Authority. Our Firm Reference Number is 308279. You can check this on the FSA register by visiting the FSA's website www.fsa.gov.uk/register or telephone the FSA on 0845 606 1234

We offer a wide range of insurance products with us having access to many leading insurers. For some types of insurance we deal predominately with a select few specialist insurers, because they are experts in that field of insurance. We will give you details of these arrangements before you make any commitment on any product we offer you, and a list of the insurers used in these cases will be available on request.

We will make a recommendation for you after we have assessed your needs, or advise you if we are unable to place your insurance.

All information about you will be treated as private and confidential and kept secure. We will only use and disclose the information we have about you in the normal course of arranging and administering your insurance. We may pass information about you, which may include details of your payment record to credit reference agencies for the purposes of arranging payments by instalments. As a member of the Broker Network Ltd, the products and services we can offer may be enhanced. We may pass information about you to the Broker Network Ltd as part of our required management procedures.

We may also use the information we hold about you to provide you with information on other products and services we can offer, which we feel may be appropriate to you. If you cancel or lapse your policy we may contact you the following year to provide a quotation. If you do not wish to receive marketing information from us, or for us to disclose information about you to other parties for marketing purposes please write to us at the above address. Under the Data Protection Act 1998 you have rights of access to any personal information we hold about you in our records. If you have any queries or requests in this regard please contact us.

At your request we may provide information to another person, and confirm this arrangement in writing to you.

It is our practice to routinely conduct standard industry reporting on insurer's solvency, however we cannot guarantee the solvency of any insurer with which we place business. This means that you may still be liable for any premium due and not be able to recover the premium paid, whether in full or in part, should an insurer become insolvent.

We are obliged to report to the National Criminal Intelligence Service, any evidence or suspicion of money laundering at the first opportunity and we are prohibited from disclosing any such report.

It is your responsibility to provide complete and accurate information to insurers when you take out an insurance policy, throughout the life of the policy, and when you renew your insurance.

It is important that you ensure all statements you make on proposal forms, claim forms and other documents are full and accurate.

Please note that if you fail to disclose any material information, whether it be to us or your insurers, this may invalidate your insurance cover and may mean that part or all of a claim may not be paid. You should take particular care to check the accuracy of all information you provide.

It is essential to notify us immediately of all incidents that may result in a claim against your insurance policy. You must do so whether you believe you are liable or not. Any letter of claim received by you must be passed to us immediately, without acknowledgement. Only by providing prompt notification of incidents can your insurance company take steps to protect your interests.

Your policy summary and policy document will provide you with details about whom to contact to make a claim. The claim payment would normally be made to you, however if you require a payment to be made to another person, you must confirm their name, address and explain why this arrangement is necessary.

Depending on whether you are a commercial customer or a retail customer (your policy booklet advises you whether you are classed as a retail customer or commercial customer), you may be entitled to cancel within 14 days of either the start of the insurance cover or your receipt of the policy documentation, whichever occurs the later. The refund calculation for both the initial 14 days period and afterwards is explained in the Policy Summary and Policy Booklet, and is conditional on no claim having been made. When you cancel a policy, you will be responsible for paying a charge to meet the cost of cover provided and administration expenses. Please see the Charges section.

To enable your insurer to process the cancellation of a motor policy, you will need to return the certificate of motor insurance to our office within 30 days of your notice to cancel.

For certain commercial insurance policies, there is no refund due to you. You would be advised before you took out the policy, if you were being provided with that type of policy.

We are covered by the Financial Services Compensation Scheme (FSCS) and you may be entitled to compensation from the scheme if we cannot meet our obligations.

Further information about compensation scheme arrangements is available from the Financial Services Compensation Scheme (www.fscs.org.uk).

It is our intention to provide you with the highest possible level of customer service at all times. If however we do not meet your expectations, we have a complaints procedure, which is outlined below.

Should you wish to complain you may do so:

Should you not be satisfied with our final response, you may be entitled to refer the matter to the Financial Ombudsman Service (FOS). Further details will be supplied at the time of responding to your complaint.

These are our maximum non-refundable administration charges, which are in addition to the premium due to the Insurer.

When we arrange non-commission paying products, we will charge an arrangement fee not exceeding 30% of the premium, and will advise you of the actual amount at the time of quotation or renewal.

These fees may be subject to change. Where there are changes, we will confirm this clearly and the actual amount will always be disclosed to you before you commit to purchasing the product.

As insurance brokers we earn our income predominantly from commission paid to us by insurers based on the amount they charge you. You are entitled, at any time, to request information regarding commission which we may have received as a result of placing or renewing your insurance cover.

We will pass to you all of the refund received by us from the Insurer, that sum being the net amount after the Insurer has deducted the commission and their fee when applicable. However in view of the cost involved in making changes to your policy, we will not issue a refund of less than £5.00

Our payment terms are as follows (unless specifically agreed by us in writing to the contrary):

If payment is not received from you in accordance with the above terms, either your insurer or we may be forced to cancel the relevant policy, which could mean that part or all of a claim may not be paid.

If any direct debit or other payment due in respect of any credit agreement you enter into to pay insurance premiums is not met when presented for payment or if you end the credit agreement we will be informed of such events by the credit provider.

If you do not make other arrangements with us to pay the insurance premiums, you acknowledge and agree that we may, at any time after being so informed, instruct on your behalf the relevant insurer to cancel the insurance and to collect any refund of premiums which may be made by the insurer and if any money is owed under your credit agreement, pay it to the credit provider or if we have already been debited with the amount outstanding use it to offset our costs.

You will be responsible for paying any time in risk charge and putting in place any alternative insurance and/or payment arrangements you need.

Unless we advise otherwise, any payment we receive from you will be held (by Broker Network) on behalf of the insurer with whom we arrange your policy, as their agent. This means that any payment you make to us will be regarded as having been paid to the insurer.

We may pass the money you pay us to another intermediary. We will only do this where it is a necessary part of the process of arranging cover for you. When this arrangement includes an intermediary outside the UK, the legal and regulatory regime may be different from that of the UK. In the event of the intermediary failing, money may be treated differently than if it was held by an intermediary in the UK. You may notify us if you do not wish your money to be passed to a person in a particular jurisdiction.

If any provision of these terms of business is found to be invalid or unenforceable in whole or in part, the validity of the other provisions of these terms of business and the remainder of the provision in question will not be affected.

These terms of business shall be governed by the laws of England, Wales or Scotland and the parties agree herewith that any dispute arising out of it shall be subject to the non-exclusive jurisdiction of the relevant court.