Car Insurance

1 Insurance Additional ProductsMY policy NUMBER IS:2. Sainsbury s BankWelcome to Sainsbury s Bank Car Insurance Additional ProductsThanks for choosing Sainsbury s Bank. We want to make sure you have car Insurance cover that s clear and easy to understand, and to give you peace of mind when it comes to looking after your details of your Insurance will depend on which level of cover and which options you ve selected. Please check your policy Schedule to see what applies to s Bank Car Insurance and the add-on products detailed in this policy Booklet are arranged by Sainsbury s Bank, acting as an agent of the insurer(s) specified in your policy Schedule.

2 The insurer provides your Insurance and has agreed to insure you subject to the terms, conditions and exclusions contained in this policy Booklet. They cover you for liability, loss or damage that may occur during the period of Insurance for the insured car that you ve paid or agreed to pay the premium ll need to read this policy Booklet along with your policy Schedule, Statement of Fact, About our Car Insurance document and Certificate of Car Insurance . Together they ll give you full details of your cover. of important information about additional products 5 Products 7 Section 1: Motor Legal Protection Provided by Auxillis Limited 7 Status 7 What words mean 9 Making a Claim 11 Helplines 11 Product a) Motor Legal Protection 12 Product b) Guaranteed Courtesy Car 22 Section 2.

3 Provided by AXA Assistance 30 Status 30 What words mean 31 Product a) Key cover 33 Product b) Windscreen cover (TPF&T) 38 (for customers with a Third Party Fire and Theft policy ) 4. Section 3: Provided by the RAC 41 Status 41 Important information about your policy 42 Your terms and conditions 43 Reimbursement of payments 43 Period of cover 44 Additional services provided by the RAC 44 Definition of words 45 Cover 47A.

4 Roadside 47B. Recovery 48C. At Home 50D. Onward Travel 51E. Mis-fuel Rescue 55F. European Motoring Assistance 56 General conditions 76 General exclusions 78 Misuse of RAC Breakdown Cover 81 Changes to your details 82 Changes to RAC Breakdown Cover terms and conditions 83 Who to contact 85 Renewal terms 89 Cancellation terms 90 Complaints and customer service 92 Data protection 95 Sainsbury s Bank of important information about additional productsOur relationship with you and your insurerPlease note that Sainsbury s Bank is acting as an agent of the insurer(s)

5 , noted in your policy Schedule, at all service includes arranging your Insurance cover on your behalf with insurers to meet your requirements, and helping you with any changes you need to make, such as an amendment to the cover, use or vehicle insured. We ll also arrange the cancellation of your policy . We have supplied this Agreement and other information to you in English and we ll continue to communicate with you in have not given you a personal recommendation as to whether this policy is suitable for your specific contract of Insurance is between you and your insurer.

6 Nobody else has any rights they can enforce under this contract except those they have under the Road Traffic Act. Sainsbury s Bank acts to help in the administration and performance of the Insurance Sainsbury s BankWhat you have to pay for our servicesAs well as the Insurance premium which you have to pay your insurer, we also charge you a fee for administering your Insurance ; this is listed on your About our Insurance Services document. Additionally if you: a) make changes to your policy during the term; or b) cancel your policy after the first 14 days of cover your insurer may charge you additional fees.

7 AuthorisationSainsbury s Bank plc, Registered Office: 33 Holborn, London EC1N 2HT (registered in England and Wales, no. 3279730) is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority. Sainsbury s Supermarkets Ltd is an appointed representative of Sainsbury s Bank FCA registered number is 184514. You can check our registration on the FCA s register by visiting their website 1: Motor Legal Protection Provided by Auxillis Limited 1 ProductsSection 1: Motor Legal Protection, provided by Auxillis LimitedYou will find information on the following additional products in this section: Product a) Motor Legal Protection Product b) Guaranteed Courtesy CoverStatusSainsbury s Bank plc, Registered Office: 33 Holborn, London EC1N 2HT (registered in England and Wales, no.

8 3279730) is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority. Sainsbury s Supermarkets Ltd is an appointed representative of Sainsbury s Bank FCA registered number is 184514. You can check our registration on the FCA s register by visiting their website by Auxillis Limited, which is authorised and regulated by the Financial Conduct Authority (FCA Registration: 312423), Redmond House, Fern Court, Bracken Hill Business Park, Peterlee, County Durham SR8 on behalf of AmTrust Europe Limited by Arc Legal Assistance Ltd, authorised and regulated by the Financial Conduct Authority.

9 Arc Legal s Firm reference number is 305958, The Gatehouse, Lodge Park, Lodge Lane, Colchester, CO4 policy is underwritten by AmTrust Europe Limited, Registered Office: 10th Floor 8. Section 1: Motor Legal Protection Provided by Auxillis LimitedSECTION 1 Market Square House, St James s Street, Nottingham, NG1 6FG, Registered Number: 1229676. AmTrust Europe Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority, financial services number: 202189.

10 These details can be checked on the Financial Services Register at and you have a choice about which law applies to our relationship with each other and the policy you have entered into. By entering into this policy you agree that your dealings with us before and after you take out your policy (including any non-contractual disputes or claims) and the terms of this policy will be governed by Scots law if your address is in Scotland when the policy is concluded , the laws of Northern Ireland if your address is in Northern Ireland when the policy is concluded , otherwise all dealings with us and the terms of this policy will be governed by the laws of England and courts of either England and Wales, Scotland or Northern Ireland (depending on your address at the time this policy is concluded)