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

Company Details: Norton Insurance, Regency House, 97-107 Hagley Road, Edgbaston, Birmingham B16 8LA Telephone: 0121 246 5050, Fax: 0121 246 8080.

Norton Insurance is authorised and regulated by the Financial Services Authority. Our Firm Reference Number (FRN) 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 access to leading insurers. For some types of insurance we deal predominantly with a select few specialist insurers because of their expertise in certain fields. 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. Sales concluded via our website are not based on a personal recommendation. We will provide details of the product in order for you to decide how to proceed.

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. In order that we can provide you with the most competitive quote, insurers may use publicly available data to carry out a credit check. Our search will appear on your credit report whether or not your application proceeds. By agreeing to the terms and conditions you agree to these uses of your information. 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. If you cancel or lapse your policy we may contact you the following year to provide a quotation. Please notify us promptly in writing if you do not wish your details to be used for any of these purposes otherwise we shall treat the issue of these Terms as evidence of your informed consent. 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 let us know. 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.

In the interests of security and to improve our service, telephone calls you make to us may be monitored and / or recorded for training purposes.

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 to us and your insurers, this could invalidate your insurance cover and could 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.

If in doubt about any point in relation to material facts please contact us immediately.

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.

You must notify us immediately of all incidents that may result in a claim against your insurance policy, whether you believe you are liable or not, in order for your insurance company to take steps to protect your interests. Your policy document will provide you with details on making a claim. Please contact us for guidance on claiming under your policy.

Your policy document will detail your rights to cancel your insurance once you have taken it out. Depending on the type of policy you have purchased, you may be entitled to cancel within 14 or 30 days of either conclusion of the contract or receiving your policy documentation, whichever occurs later. This is often referred to as a cooling off period.

Where you cancel a policy before renewal 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, you will need to return certificates and any official documents to our office within 30 days of your notice to cancel.

We have a complaints procedure to ensure that your complaint is dealt with promptly and fairly. Should you wish to complain, you may do so by contacting us on the details shown at the top of this page. Our Complaints Manager is Gordon Cashin (gcashin@norton-ib.co.uk)

If for any reason you are not 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.

We are covered by the Financial Services Compensation Scheme and you may be entitled to compensation from the scheme if we cannot meet our obligations. Further information about the scheme is available from the Financial Services Compensation Scheme at http://www.fscs.org.uk.

Our non-refundable administration charges, in addition to the premium due to the insurers will not exceed:

There is a 2% charge for credit card transactions, except on payments received from customers using our Buy Online or Renew Online Service.

There is no charge for debit card transactions.

In addition to the amount charged by insurers we also make charges to cover the administration of your insurance. Any applicable insurance premium tax will be shown on the documentation we provide to you.

These fees are non refundable.

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. Where you are paying by premium finance, we may retain return premiums for any mid term adjustment as a credit against your account. Where this applies, any outstanding credits will be returned to you on full settlement of your premium finance account.

Your attention is specifically drawn to the following:-

Where you cancel your policy after the expiry of the cooling off period or where you request a mid-term adjustment which reduces the cover provided under the policy, we reserve the right to charge you for our time and costs. This will usually result in us reducing the amount refunded to you by the FULL amount of the commission and fees we would have received had you not cancelled. The reason for this is that the majority of our costs are incurred either in initially finding and setting up your policy or in the annual renewal process when we might check the ongoing suitability of the cover the policy offers. These costs are recovered through the commission we earn. If you cancel, this does not give us an opportunity to recover the costs we incurred and would often result in us making a loss. However, any charge made will not exceed the cost of the commission and fees we would have earned.

In view of the cost involved in making changes to your policy, we will not issue a refund of less than £5.00.

We will only issue insurance cover when we receive your full payment instruction. We will confirm the period of cover before you buy a policy from us. If payment is not received from you in accordance with the above terms, we, or your insurer may be forced to cancel or lapse the relevant policy, which could mean that part or all of a claim may not be paid.

If any payment due in respect of any credit agreement you enter into to pay insurance premiums is not met, or if you end the credit agreement and do not make other arrangements with us to pay the insurance premium, you acknowledge and agree that we may instruct the relevant insurer on your behalf, to cancel the insurance and to collect any refund of premium due. This will be paid to the credit provider if any money is owed under your credit agreement, or if we have already paid the amount outstanding, use it to offset our costs. You will be responsible for paying any outstanding time on risk charge.

Any payment we receive from you will be held by Broker Network Ltd, who pays insurers on our behalf, in a Non Statutory Trust Client Bank Account. In some cases, the payment we receive will be held as agent of the provider with whom we arrange your policy. This means that the payment is regarded as having been paid to the provider.

By operating a Non Statutory Trust the Broker Network Ltd is permitted to use such monies to cross fund clients premiums and claims. Please make all cheques payable to the Broker Network Ltd.

By instructing us to place business on your behalf, you give your consent to these client money procedures. If you do accept or require further clarification, please contact us before proceeding.

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. Where this includes intermediaries 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. No interest will be payable to customers in respect of the client account. Any interest earned will remain in the ownership of Broker Network Ltd.

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 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.

These Terms supersede all proposals, prior discussions and representations (whether oral or written) between us relating to our appointment as your agent in connection with the arranging and administration of your insurance. These Terms constitute an offer by us to act on your behalf in the arranging and administration of your insurance. In the absence of any specific acceptance communicated to us by you (whether verbal or written) you are deemed to accept our offer to act for you on the basis of these Terms, by conduct, upon your instructing us to arrange, renew or otherwise act for you in connection with insurance matters.