1. The Xact Group AlbaPharm Personal Insurance Scheme

2. The Xact Group Eligibility All Members of AlbaPharm

3. The Xact Group Dedicated Broker Service On Arrangement of Cover Claims Handling Any Other Issues W.S Moreland Part of Willis Network

4. The Xact Group Typical Covers Motor Household Buildings Contents Valuables

5. The Xact Group Typical Covers Individual Personal Accident Permanent Health Miscellaneous Any other personal insurance e.g. – World Wide Travel

6. The Xact Group Product Features Motor Personal and Business Cars Commercial Vehicles Any Driver Cover Worldwide Any other vehicle cover for all family drivers Like for like courtesy car following claim

7. The Xact Group Product Features Home Buildings & Contents Best in market cover Agreed Value Basis Cover for UK and Overseas Homes

8. The Xact Group Product Features Valuables Agreed Value Basis No upper limits No Restriction on wearing items

9. The Xact Group Main Benefits Better & Wider Cover More Competitive Premiums Strength in numbers -Claims - Underwriting

10. The Xact Group Next Steps Introductory pack will be sent to all members on features and benefits of the scheme Broker now in place to advise on any issues