This insurance is underwritten by Chartis Insurance UK Limited which is authorised and regulated by the Financial Services Authority (FSA number 202628). This information can be checked by visiting the FSA website (www.fsa.gov.uk/register). Chartis Insurance UK Limited is a member of the Association of British Insurers and a member company of Chartis Inc.. Registered in England: company number 1486260. Registered address: The Chartis Building, 58 Fenchurch Street, London EC3M 4AB.

This product meets the demands & needs of those clients who rent a vehicle in territories as defined in the Geographical limits Section for the specified period up to 62 continuous days for any one Rental Agreement and who have paid a premium in return for this policy. Further details of the key benefits are as outlined below. This statement does not form part of your policy. You have not received any personal recommendations from Insurance4carhire.com.

Provides Worldwide Excess cover for an inclusive cost of £4.75 per day for the specified period up to 62 continuous days for any one car rental agreement.

Already included within this Policy's inclusive daily cost there is an Administration Fee of £2.35 and any applicable Insurance Premium Tax at 5%.

This insurance is available for:

In consideration of the payment by the Insured Person(s) of the premium, the Underwriters (hereinafter referred to as the Insurers) shall indemnify the Insured Person(s), as named on the Car Rental Contract (the lead name of which to appear on the Policy Document). Coverage is therefore provided during the period of car hire for losses incurred for any one claim, up to the maximum of £2,000 (or equivalent in local currency) whichever the lesser, but in any event £3,000 (or equivalent in local currency) in the annual aggregate. This being as a result of damage (including damage to windows and tyres, the undercarriage and the roof), fire, vandalism, theft or loss of use of the rental vehicle issued for business or pleasure when such vehicle is rented and operated from a Licensed Rental Agency and the Insured Person(s) being held responsible, as declared in the car rental contract, for the excess, to which the insured would normally be liable.

Insurers will indemnify the insured person against theft of articles(s) or damage to article(s) as a result of theft or attempted theft, following visible and forcible entry, to baggage and/or personal effects (as herein defined) after such theft or damage are proved. Provided such items are secured in Your hire vehicle in either locked boot or glove box only.

Insurers will indemnify the insured person for losses incurred during a covered rental trip up to:

• £300 in total for any one claim

• £150 for any single item

The maximum payment for any single item for which an original receipt, proof of purchase or insurance valuation (obtained prior to the loss) is not supplied is £75, subject to a maximum £200 for all such items.

This insurance also covers you, the Insured Person, for costs incurred up to a maximum of £500 (or equivalent in local currency), for each and every claim, subject to a maximum of £2,000 in any one year, for replacing a lost or stolen rental car key, including replacement locks and locksmith charges

Provides Worldwide Excess cover for an inclusive cost of £4.75 per day for the specified period up to 62 continuous days for any one car rental agreement.

No cover is provided under this policy for any trip in, to, or through Afghanistan, Belarus, Cuba, Congo, Iran, Iraq, Ivory Coast, Liberia, North Korea, Myanmar, Sudan and Zimbabwe

1: The due observance and fulfilment of all the terms and conditions of this insurance by the Insured Persons or anyone acting on their behalf in so far as they relate to anything to be done or complied with by the Insured Person or anyone acting on their behalf shall be a condition precedent to any liability of the Insurers to make payment under this Policy.

2: Written notice of accidents, proceedings or any other events that may give rise to a claim shall be given to the Claims Office in writing within 31 days. All Certificates, information and evidence required by the Claims Office shall be furnished at the expense of the Insured Person or their legal representatives.

3: Except with the written consent of the Insurers, no person is entitled to admit liability on their behalf or to give any representations or other undertakings binding upon them. The Insurer shall be entitled to the absolute conduct, control and settlement of all proceedings arising out of or in connection with claims in the name of the Insured Person.

4: The Insurers may at their own expense take proceedings in the name of the Insured Person to recover compensation from any Third Party in respect of any indemnity provided under this Insurance and any amounts so recovered shall belong to the Insurers and the Insured Person shall render all reasonable assistance to the Insurers.

5: All claims hereunder shall be governed by the laws of England & Wales whose courts alone shall have jurisdiction in any dispute arising under this insurance.

6: All Insured Persons must hold a valid driving licence, or hold a full internationally recognised licence.

Cover is provided for one Rental Vehicle at any one time which may be driven and operated by any of the Insured Persons as detailed on the Rental Agreement. Cover will take effect from the time the Insured Person takes legal control of the Rental vehicle and will cease at the time the Rental Company assumes control of the Rental Vehicle whether at its Business location or elsewhere.

This policy must have been purchased and have commenced, either prior to or to coincide with, the commencement date of a Rental Agreement for which the Insured wishes this Cover to be operative.

"Rental Vehicle" means any automobile rented under a contract on a daily or weekly basis from such a rental Company or Agency, which must be fully licensed with the regulatory authority of that Country, State or Local Authority.

"Trip" means any rental Vehicle which is collected from a Licensed Rental Company or Agency.

"Insured Person(s)" means the lead contracting person named on this policy who must be the person named as the main driver in the Car Rental Agreement and is eligible to operate and drive the Rental Vehicle and who is aged between 21 and 74 years old (except for those purchasing a Europe 75-85 or an Excess Worldwide 75-85 Policy, who must be aged between 75 and 85)and any of the persons specified on the Car Rental Agreement.

"Car Rental Agreement" means the contract signed by the lead named driver (who must be the name on the Insurance Certificate as issued) that states the excess to which the lead named driver is responsible.

1. Persons who have not paid in full the appropriate or additional premium.

2. Wilfully self-inflicted injury or illness, alcoholism or the use of alcohol or drugs (other than drugs taken in accordance with treatment prescribed and directed by a registered medical practitioner, but not for the treatment of drug addiction) self exposure or needless peril (except in an attempt to save human life).

3. Loss or destruction of or damage to any property whatsoever, or any liability, loss or exposure whatsoever resulting or arising there from or any consequential loss directly or indirectly caused by or contributed to by or arising from (a) ionising radiation or contamination by radioactivity from any nuclear fuel or any waste and the combustion of nuclear fuel or (b) the radioactive toxic explosive or other hazardous properties or any explosive nuclear assembly or nuclear component thereof.

4. Loss or damage directly or indirectly occasioned by happening through or in consequence of war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, terrorism, military or usurped power or confiscation or nationalisation or requisition or destruction of or damage to property by or under the order of any government or public or local authority;

5. Losses in respect of any property or expenses more specifically insured or any claim which but for the existence of this insurance should be recoverable under any other insurance.

6. Claims or incidents that may give rise to a claim not notified direct in writing to the Claims Office within 31 days of the expiry of the Insurance.

7. Any fraudulent, dishonest or criminal act committed by the Insured Person(s) or with whom he / she is in collusion, or insurance effected in circumstances where a claim might reasonably be anticipated.

8. Loss arising from operation of the vehicle in violation of the terms of the Rental Agreement.

9. Expenses assumed, waived or paid by the Rental Agency or its Insurers.

10. Automobiles or other vehicles, which are not Rental Vehicles.

11. Wear and tear, gradual deterioration, insect or vermin, inherent vice or damage.

12. Transporting contraband or illegal trade.

13. Driving by persons who are not named on the Rental Agreement;

14. We will not pay for any liability arising from rental vehicles where the value of the vehicle exceeds £50,000, or for vehicles which are more than 10 years old.

15. The rental of certain vehicles, namely: motor homes, camper vans, trailers or caravans, trucks, commercial vehicles, motorcycles, mopeds, motorbikes, off-road vehicles, recreational vehicles and passenger vans and vehicles with more than 9 seats.

16. Expenses reimbursed by the Insured Person's Employers' Insurer.

17 No coverage provided for those under 21 years and over 74 years of age.

18. Losses occurring from driving whilst not on a Public Highway.

19. Coverage must coincide with the rental agreement; coverage will be voided if the coverage either for the insurance policy or the rental agreement does not coincide. Any extensions on the policy must be done on the website: http://www.dailyexcess.com. No policy can be issued retroactively

20. We will not pay for any liability arising from loss or damage to the rental car as a result of it’s fuel tank being filled with the incorrect fuel type.

21. Baggage Cover: Cover is not provided for claims arising from theft or damage of cash (defined as banknotes, currency notes and coins), valuables (defined as: photographic and video equipment, camcorders, radios and personal stereo equipment, computers, computer games and associated equipment, mobile telephones, telescopes and binoculars, furs, jewellery, watches, and articles made of or containing gold, silver or other precious metals), wear, tear and depreciation of the article (s), claims not reported to an appropriate police authority within 24 hours of discovery and an official police report obtained, claims where evidence of forced entry have not been confirmed by the hire car company and/or police, and claims arising from theft or damage of articles from Your hire car unless taken from a locked boot or glove box. Losses will not be paid for any claims recoverable under any other insurance

If you would like a copy of the Policy Wording, please call 0844 892 1770 during office hours (9.00am – 5.00 pm, Monday to Friday), and a copy will be dispatched. The Policy Wording is also available on our website, www.dailyexcess.com.

Your policy contains a “cooling-off” period of 14 days. If you find this policy does not meet with your needs, email, telephone or write to Insurance4carhire.com, 3rd Floor, Mitre Street, London, EC3A 5BZ, email address: info@insurance4carhire.com, telephone number: (+ 44 (0) 844 892 1770) within 14 days. Your policy must be cancelled prior to the commencement date and your premium will be refunded as long as you have not rented a vehicle and do not intend to make a claim.

We may cancel your policy at any time by giving you 7 days' written notice to the last known email address (or mailing address if you do not have an email address) provided by you. We will give you a proportionate refund of any premiums paid for the insurance cover remaining, providing you have not made any claim during the period of insurance cover.

Should you wish to claim under this policy you should call Travel Guard as soon as possible and no later than 31 days. You must give them information or help that they ask for. You must not settle, reject, negotiate or agree to pay any claim without their written permission. Full details of how to claim are set out below.

Claims Handling Office. In the event of any accidents, proceedings or any other events that may give rise to a claim, please contact Travel Guard – within 31 days of incurred loss - to notify them and request a claim form to be sent to you by email, fax or post. You can also use the email link on the Claims Page of the website www.insurance4carhire.com to notify Travel Guard. Please fully complete, sign and date the claim form and return it with all supporting documentation – outlined below – by email, fax or post to:

1. Copy of your policy from Insurance4carhire.com

2. Copy of Car Rental Agreement.

3. A copy of your Charge Receipt (if separate from the Rental Agreement)

4. If the incident by law requires the attendance of the Police, we require a copy of the Police Report.

5. Renter's copy of the rental company's accident damage report.

6. Invoices / Receipts / other documents confirming the amount you have paid in respect of Accident / Damage / Loss etc. for which the Vehicle Rental Company holds you responsible.

7. Copy of your credit card statement showing payment of the damages claimed

8. Copy of the driving licence of the person driving the rented vehicle involved in the accident (the driver).

9. Name and address of your bank together with the sort code and account details. This will facilitate reimbursement as the insurance company prefers to make the payment directly to your bank.

Travel Guard

PO Box 60108

London SW20 8US

Phone: +44 (0) 845 603 6443

Fax Number: + 44 (0) 870 130 1953

Email: insurance4carhireclaims@travelguard.com

The office hours of Travel Guard are 9.00am – 5.00pm, Monday to Friday

Every effort is made to ensure you receive a high standard of service. If you are not satisfied with the service you have received, please contact Insurance4carhire.com at the address below.

To help us to deal with your comments quickly, please quote your policy number and/or claim number and the name of the Insured Person(s).

Managing Director, Insurance4carhire.com, 104-108 Sheldon House, Station Road East, Oxted, RH8 0QB Telephone: + 44 (0) 844 892 1770

Personal Lines Manager, Chartis Insurance UK Limited, 2-8 Altyre Road, Croydon CR9 2LG. Or E-mail: pl.referrals@chartisinsurance.com

We will do our best to resolve any difficulty directly with you, but if we are unable to do this to your satisfaction you may be entitled to refer any dispute to the Financial Ombudsman Service who will review your case. The address is:

Insurance Division, South Quay Plaza, 183 Marsh Wall, London E14 9SR. Telephone: 0800 0 234 567 (fixed line), 0300 123 9 123 (free for mobile-phone users who pay a monthly charge for calls to numbers starting 01 or 02), +44 20 7964 1000 (for calls from outside the UK)

1. DISCLOSURE INFORMATION & TERMS OF BUSINESS ("TERMS")

In these Terms references to “we” or “us” are to the company whose details are set out in the covering letter or email that accompanies these Terms. We recommend that you carefully read these Terms that will apply to our appointment by you and the services that we will provide.

2. WHO ARE WE REGULATED BY?

The Financial Services Authority (“FSA”) is the independent watchdog that regulates financial services. Insurance4carhire.com is a trading name of Towergate Underwriting Group Limited, which is authorised and regulated by the FSA and you can check this by visiting the FSA’s website http://www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.

Permitted Business: Our permitted activities are arranging insurance cover; dealing as agent and assisting with the administration and performance of policies – all in connection with general insurance. You will not receive advice or a recommendation from us. We may ask you questions to narrow down the selection of products that we will provide details on. You will then need to make you own choice about how to proceed.

3. ARE WE COVERED BY THE FINANCIAL SERVICES COMPENSATION SCHEME (“FSCS”)?

We are covered by the Financial Services Compensation Scheme (FSCS). If we are unable to meet our obligations, you may be entitled to compensation from the scheme, depending on the type of insurance and the circumstances of the claim. Further information is available from the FSCS at www.fscs.org.uk

For compulsory classes of insurance, insurance advising and arranging is covered for 100% of any claim, without upper limit.

Further information about compensation scheme arrangements is available from the FSCS.

4. COMPLAINTS

Our objective is to provide a high standard of service to you at all times. However we recognise that things can go wrong occasionally and if this occurs we are committed to resolving matters promptly and fairly. If you wish to register a complaint please contact us:

• By email or mail, to the Chief Executive Officer at the address shown in the Complaints Procedure of the policy above;

• By telephone, using the number shown in the Complaints Procedure of the policy above.

In all cases please quote your policy number. If you cannot settle your complaint with us you may be entitled to refer it to the Financial Ombudsman Service.

5. WHICH INSURANCE COMPANIES DO WE USE TO SELECT YOUR INSURANCE?

For the type of insurance for which you have been quoted, we will use Chartis Insurance UK Limited.

6. OUR SERVICE

We are an insurance intermediary acting on your behalf as your agent in arranging your insurance cover. Our service may include, arranging insurance cover with insurers to meet your requirements, issuing policy documentation to you in a timely manner and helping you with any ongoing changes you wish to make to your insurance.

7. THE FEES WE CHARGE FOR OUR SERVICES

Insurance companies and other third parties pay us commission for arranging your insurance with or through them. We will also usually charge a fee for our services (typically when you buy or renew a policy) but you will always be informed of any such charge before you purchase a policy.

When purchasing a policy with a credit card, a charge may apply. The fee (if applicable) is displayed on the payment screen once you select the type of card you wish to use. The amount of the fee (if applicable) depends on the cost of your policy. If the fee applies the charges are as follow:

Daily - All policies

- £1.00 total per daily policy

Annual - All policies

- £00.00 to £49.00 = £1.50

- £50.00 to £99.00 = £2.00

- £100.00 plus = £3.00

This amount is added to the cost of the policy and will be charged as a total sum on your card, and as one transaction on your credit card statement.

This charge can be avoided if you pay with a Debit card.

8. REFUND OF PREMIUMS

In certain circumstances your insurer may repay part of your insurance premium(s) to us. This can occur where, for example, the policy is cancelled. This paragraph does not affect any cancellation/refund rights which retail customers may have pursuant to paragraph 10 below

9. YOUR LEGAL DUTY TO DISCLOSE INFORMATION TO US AND INSURANCE COMPANIES

It is your responsibility to provide complete and accurate information to insurers when you take out your insurance policy, throughout the life of the policy and when you renew it. It is important you ensure that all statements you make or confirm during the course of requesting a quote and/or purchasing an insurance policy through our website, together with statements made in any claims forms, and other documentation are full and accurate. Please note that if you fail to disclose any material information or change of circumstances to your insurers, this could invalidate your insurance cover and could mean that part or all of a claim may not be paid. We strongly recommend that the information provided is checked thoroughly prior to submission and that you keep a record of all correspondence supplied in relation to the arrangement of your insurance cover. Please also note that any renewal of insurance will be made in reliance upon the information provided by you in connection with your previous insurance policy – we will assume that such information remains correct unless you tell us otherwise.

10. CANCELLATION RIGHTS

You are entitled to cancel this policy at any time your cancellation rights are set out in the Cooling Off Period and Cancellation section of the above policy.

11. INFORMATION ON OUR REMUNERATION

In addition to commission which is paid to us by insurers we may earn management or administrative fees and other payments from insurers for efficiently managing business transacted with them. These payments may be calculated by reference to various criteria such as overall annual profitability of the insurance business transacted, taking into account the total amount of claims arising under policies we place with them.

During the course of our appointment we may hold certain monies on your behalf. This may include premiums to be paid to insurers, commissions derived from your insurance, claims monies and other sums. Interest and investment returns which are derived from such sums whilst temporarily held on your or your insurer’s behalf will belong to and be retained by us in addition to any other remuneration which we may earn in connection with the services which you have asked us to perform.

For each insurance contract, including any subsequent renewal, you have a right to request information regarding any remuneration that we may have received as a result of placing your insurance business

12. INSURER SOLVENCY

Whilst Insurance4carhire.com will endeavour to place business with insurers who demonstrate an adequate level of financial solvency, and although their regulator requires them to maintain a minimum level of capital, they cannot guarantee the solvency of any insurer.

13. HOW TO MAKE A CLAIM

If you wish to report a claim or potential claim, please contact Travel Guard. Please quote your policy number. Your Policy above provides details as to how to make a claim and whom to contact.

14. YOUR INSURANCE POLICY(IES)

As and when we feel it appropriate we may review your policy and look to enhance and/or extend the cover offered.

15. TERMS OF PAYMENT

Our payment terms are as follows:

• new policies – full payment of premium including fees at time of purchasing the policy on our website

• renewals – full payment of premium including fees at time of renewing policy.

We accept payment by debit or credit card.

The acceptance by us of any payment from you does not constitute acceptance of any risk by insurers or any commitment by us to arrange insurance cover on your behalf. Accordingly you should not assume that insurance cover is in place until you have received email confirmation of cover in the form of a policy document, policy certificate or equivalent.

16. IMPORTANT INFORMATION RELATING TO RENEWAL OF POLICIES

Prior to the expiry of your policy where we will be inviting a renewal we will endeavour to send you details of the cost and terms to renew your policy.

17. HOW WE HOLD YOUR MONEY

Chartis Insurance UK Limited have agreed to deem any premiums that you pay to us as having been received directly by themselves. This improves your protection against financial loss in the event of our insolvency.

18. CONFIDENTIALITY AND DATA PROTECTION

All information about you of a sensitive or personal nature will be treated as private and confidential. We will however use and disclose the information we have about you in the course of arranging, placing and administering your insurance. This may involve passing information about you to insurers, other intermediaries and other third parties involved (directly or indirectly) in your insurance

We may also pass information about you to other companies which are in or are associated with our group. We or they may also use the information we hold about you to provide you with information on other products and services we or they can offer and which we or they feel may be of interest to you. If you do not wish to receive marketing information from us or them, please contact us immediately.

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

19. NO WAIVER AND AMENDMENTS

A failure at any time by us to enforce any right or obligation shall not be deemed to be a continuing waiver of such right or obligation. No amendment or variation of these Terms requested by you shall be valid unless confirmed in writing by our duly authorised officer or employee. We reserve the right to amend these Terms at any time during our appointment (including for the avoidance of doubt during the term of your insurance) by giving you not less than 7 days’ notice. We may freely assign or delegate all or any part of these Terms and/or the services to any third party.

20. PRIOR AGREEMENTS AND ACCEPTANCE

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.

21. GOVERNING LAW

These Terms are governed by and construed in accordance with the Laws of England and Wales and the parties submit to the exclusive jurisdiction of the Courts of England and Wales.