BIBA Personal Lines Administration Scheme Administered by Equity Direct Broking Ltd

Who is the facility aimed at? Self diagnosis: Does your private motor business break even at best? Are your resources stretched? Have you lost a key member of staff? Is there a retirement looming? Are you about to recruit? Would you rather avoid private motor all together? If the answer is “Yes” to any of these questions, you need to read on

Equity Direct Broking Ltd Major player in the UK Personal Lines Insurance Market: More than 45 years experience from Boncaster through to EDBL One of the UK’s leading providers of fully branded schemes More than 2,000 Broker Partners and Schemes More than 150,000 policyholders UK-based operation seven days a week, every week A team with the proven ability to deliver successful business solutions Official BIBA scheme providers

Scheme Motor Insurer Background to Equity Red Star: 6th Largest Motor Insurer in UK Gross premiums approaching £550m Largest personal lines syndicate at Lloyd’s

Transfer Process We arrange monthly collection of your customer data Customers are quoted approx 24 days before renewal We quote less than the current insurer for similar cover We immediately make telephone contact to introduce ourselves and explain the changes to make the customer feel comfortable with the new arrangement We fully recognise the importance of VIP business to brokers Our aim is to secure the highest possible conversion for brokers You, the Broker chooses the policies to transfer

The Benefits Broker benefits The scheme frees resources, enabling you to focus on more profitable classes of business Following renewal we handle every aspect of the insurance from mid-term adjustments through to claims Monthly statistical reports detailing the transfer, new business and renewals 24 hours a day / 365 days a year accident / assistance help lines New business encouraged on line and via 0800 free-phone numbers

Transfer Features Price Guarantee: - We will agree a level of premium at which to invite renewal Cover: - We seek to provide the client with similar cover including, for example, motor breakdown VIP Facility: - We fully recognise the importance of this business to you and will advise you prior to transfer renewal date if we’ve had no response from your VIPs Cross selling: - We guarantee not to cross sell in to any other areas of business other than motor “add-ons” such as breakdown, keys cover, legal protection and personal accident

Motor Insurance Special Features: New car replacement for vehicles in first year of registration where damage exceeds 50% of its original purchase price * No Claims Discount for Named Drivers (conditions apply) Optional Legal advice/assistance up to £100,000 (including personal injury) following accidents in the UK 24 hour Accident Helpline Courtesy cars are arranged free of charge wherever possible, when our approved repairers are used * The policy provides cover for the insured vehicle within the European Union and certain other countries for up to 60 days at any one time *Available with Comprehensive Cover only

Your Equity Team Account Management: Steve Young – Broker Development Manager Jill Ritchie – Product & Insurer Manager Based at Library House, New Road, Brentwood, Essex. CM14 4GD Operations Management: Michael Larkin – Operations Manager Louise McEvoy – Broker Transfers Team Manager Based at Equity House, Bergholt Road, Colchester, Essex. CO4 5EY

Your Transfer Team Throughout the transfer process, your dedicated team will: Manage your customer’s enquiries Develop new business opportunities Secure renewals Produce monthly MI Regularly review performance Deliver a high quality service The team will work closely with you to ensure the smooth running of all aspects of your transfer and act as the key contact point throughout the process and beyond

Managing the Business Management information: On a monthly basis, the following information is available: – Commission statement Inclusive of new and renewed business, including all mid term adjustments – Management information available upon request: Renewals offered Renewals accepted Retention rate Number of new quotations Number of new policies Conversion rate

Contact Details Broker Development Manager: Steve Young – Telephone – Product & Insurer Manager: Jill Ritchie – Telephone – Broker Transfers Team Manager: Louise McEvoy – Telephone –