Welcome to Marshmallow

1 Welcome to MarshmallowYou re now a member of Marshmallow , where we do thingsdifferently. Say goodbye to being treatedunfairly, and hello to a financial services company that has been made especially of ContentsIf you have an accidentSection 1: About your Marshmallow insurance policySection 2: DefinitionsSection 3: CancellationsSection 4: General conditionsSection 5: General exceptionsSection 6: Loss of or damage to the insured vehicleSection 7: Liability to other peopleSection 8: Provision of a courtesy vehicleSection 9: Personal accident benefitsSection 10: Personal belongingsSection 11: Medical expensesSection 12: Glass damageSection 13.

2 Using the insured vehicle in EuropeSection 14: Policy ExtensionsSection 15: Our service commitmentSection 16: Important notes, data protection and sharing your information withother organisationsSection 17: Complaints procedureMarshmallow Financial Services Ltd. If you have had an accident, please call the 24-hour Claims helpline on: 0800 060 86221If you have an accidentIfyouhaveanaccident,youmusttellu saboutitwithin48hoursbycallingthe24-hour ClaimsHelpline on: 0800 060 ,wewilldealwithyourclaimandclaimsmadeaga instyou,asquickly,transparentlyand as fairly as of who is at fault please follow these steps:Stop:Stop as soon as it is safe to do so!

3 Ifyouhave a warning triangle, place it before the busy the authorities:If anybody has been injuredcall 999 and tell the police or ambulance :Ifyouhaveamobilephonewithyouanditisfitt edwithacamera,tryandtakephotographs of the scene, including the positions of the vehicles and the extent of the :Itisverylikelytheotherpersondidn twanttobeinvolvedinacrash, , talk to the other party to collect their :It simportantyoucollectthevehicleregistrati onnumber,name,postaladdress,email address and phone number of any other drivers involved in the :Thenumberofpassengersineachvehicle,then ameandaddressofanybody who is injured or any :Bygettingtheotherperson(s)involvedinthe accidenttoringthe24-hourhelplineyouwillg ivehim/hertheopportunitytogetourhelpinpr ogressing repairs and assisting with the provision of acourtesy vehicle, if :Eitherverballyorinwriting, other person in the accident to contactusonour24-hour claims Financial Services Ltd.

4 If you have had an accident, please call the 24-hour Claims helpline on: 0800 060 86222 Section 1: About your Marshmallow InsurancePolicyYoumustreadthispolicy, types of comprehensive policies Marshmallow offers are: Marshmallow and OriginalTheMarshmallowOriginalpolicyhasa llthecomponentsofMarshmallowEssentialasw ellascoverforglassdamage,personalbelongi ngs,aftermarketentertainmentequipment, PlusTheMarshmallowPluspolicyhasallthecom ponentsofMarshmallowOriginalaswellassome bundledadd-ons& :DrivingOtherCars(thirdpartyonly);Breakd ownCover; Motor Legal Protection, and Courtesy Car Upgrade for theft and total ,email,sms,inwritingtoyourpermanent address and via web live ,andthispolicydocumentshouldbereadwithEn glish law in Financial Services Ltd.

5 If you have had an accident, please call the 24-hour Claims helpline on: 0800 060 86223(FCA)underfirmreferencenumber797672 ,youmaycheckthisontheFCA sregisterbyvisitingtheFCA s /or by contactingthe FCA on0800 111 benefits of this policy are underwritten by Marshmallow Insurance ,GlacisRoadGibraltar,GX111 AAandlicensedbytheGibraltarFinancialServ icesCommissiontocarryoninsurancebusiness undertheFinancialServices(InsuranceCompa nies)Act1987 licence number 741 Financial Services Ltd. If you have had an accident, please call the 24-hour Claims helpline on: 0800 060 86224 How your policy worksWithin some of the Policy Wording sections, we have included a guide to show whether certainaspects of that section are included in the planyouhave ll see the following symbols: Included Not included+Available extras- please check your MotorInsurance Schedule to check whether you vepurchased is an example of how the tables in individual sections might be set feature Marshmallow Financial Services Ltd.

6 If you have had an accident, please call the 24-hour Claims helpline on: 0800 060 86225 Section 2: DefinitionsWordsshowninboldtypeinthepoli cyshallhavethemeaninggiventothembelowori ntherelevantcover section, wherever they may appear unless otherwise :Avehiclerepairerthatisauthorisedbyusoro urrepresentativetorepairtheinsured vehiclefollowing a valid claim under Section6 of this of terrorism:Terrorism as defined in the TerrorismAct to cover notice:The most recent notificationof cover changeweissued :Adocument, sregistrationnumber, with thispolicy :Avehicleprovidedtoyoubyourapprovedrepai rerwhilsttheinsuredvehicleisbeing repaired following a valid claim under Section 6 of this :A change to the terms of thepolicyagreedbyusin :Austria,Belgium,Bulgaria,Croatia,Cyprus ,CzechRepublic,Denmark,Estonia,Finland,F rance,Germany,Greece,Hungary,Ireland,Ita ly,Latvia,Lithuania,Luxembourg,Malta,The Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, :The amount for whichyouhave to pay towardsthe cost of a claim under this.

7 Agreencardisaninternationalcertificateof insurancewhichguaranteesthatamotoristhas the necessary third party insurance cover for that :Thevehiclelistedinthescheduleforwhichac ertificatehasbeenissuedbearingtheregistr ationnumberorchassisnumberofthatvehiclew hichbelongstoyouoracourtesyvehicleused byyouwhileyour vehicleis being repaired byone ofour approved :Thecosttoreplaceavehiclewithoneofsimila rage,samemakeandmodel, Financial Services Ltd. If you have had an accident, please call the 24-hour Claims helpline on: 0800 060 86226considerationfactorssuchasavalidMOT ,howthevehiclewaspurchasedandwhetheritha sbeenpreviously declared a total insured person:The person(s) whose names arestated in of insurance:The period for which the policyis in force as shown inyourmost recentscheduleand for whichwehave Belongings: Property which is worn or usedin everyday life and which belongs toyouand isinyour documents:This policy wording, theschedule,thecertificate, any amendment to covernotice and schedule / schedule.

8 The document showingyourname,youraddress andyourinsurancedetails thatwesentyouwhenweaccepted this insuranceor following any subsequent amendmenttoyourcover, whichever is the more : Yourhusband, wife or partneryoulive withas ifyouare of Fact / Statement of Insurance:The formthat shows the information thatyougaveusor that was given onyourbehalf at the timeyouappliedfor limits:Thispolicyprovides cover inthe United Kingdom, and, subject to thepurchase &issueof the Green Card and payment of the appropriatepremium, anywhere within theEuropeanUnion, as well as Andorra, Gibraltar, Iceland, Liechtenstein,Monaco, Norway, San Marino andSwitzerland or in transit by rail, sea, land (not under the vehicle s own power) or air between anycountries listed in this Kingdom:England, Wales, Scotland, NorthernIreland, the Isle of Man and the Channel , us, our, ours/ the Insurer: The Insurershownonyour policy , your.

9 The person named as the insured in Financial Services Ltd. If you have had an accident, please call the 24-hour Claims helpline on: 0800 060 86227 Section 3: CancellationsCancellation by usWecan cancel this policy where there is a valid reasonfor doing cover has already commencedwewill giveyou7days notice in writing toyourlast email addressnotified tous. If cover has not yet been inceptedwewill notify in writing that cover will not beincepted. Valid reasons may include but are not limited to: Ifyouadviseusof a change of risk underyourpolicywhichweare unable to insure.

10 Whereyoufail to respond to requests fromusforfurther information or documentation. Whereyouhavegivenincorrectinformation,an d/orfailtoprovideclarificationwhenreques ted. Theuseofthreateningorabusivebehaviourorl anguage,orintimidation,bullyingorinappro priatebehaviourtowardsourstafforsupplier s,byyouoranypersonactingonyourbehalf. Misrepresentationoranyattempttogainanadv antageunderthisinsurancetowhichyou renot entitled. Your involvement in, or association with insurance fraud and/or financial crime. Yourfailure to pay one or more monthly payments. YourfailuretocomplywithanyoftheGeneralco nditionsorGeneralexceptionssetoutbythis , ,ifwehavecancelledyourpolicyduetoamissed monthlypayment(s), ,oryouhavealreadymadeaclaimundertheinsur ancepolicy,duringthecurrentperiodofinsur ance,youwillbeliabletopaythemonthlypayme ntsfortheremainingperiodofinsurance, overdue premium payments Financial Services Ltd.