Maximum loan payment protection Benefit Period via this loan payment protection insurance policy is 12 months in any one claim period.

The first month's loan payment protection benefit is paid after 30 days, back dated to Day One.

All loan payment protection claims for Accident, Sickness (Disability) and Involuntary Unemployment paid via this loan payment
      protection insurance policy on a daily basis, monthly in arrears

Two months Carer benefit paid via this loan payment protection insurance policy after 60 days and then on a daily basis monthly in arrears.

One months Hospitalisation benefit paid via this loan payment protection insurance policy after 7 days and thereafter on a daily basis       monthly in arrears from day 30.

If you select the LASU cover option of this loan payment protection insurance policy this benefit provides cover up to the limit you have chosen       (either £30K or £60K) or the outstanding balance of your loan agreement (excluding any arrears) whichever is the lesser amount in the event of       your death or diagnosis of a terminal illness.

There is a 3 month re-qualification period after each claim.

The risks of this loan payment protection insurance policy are underwritten by Brit Insurance Limited in respect of disability and unemployment, and Sterling Life Limited in respect of Life and terminal illness.

Eligibility Criteria

You can apply for cover under this loan payment protection insurance policy if on the start date:

You are taking out this loan payment protection policy to insure the loan payments on any loan agreement in your name (excluding mortgage             agreements); and

You are permanently resident in the United Kingdom; and

You are aged 18 or over at the start date and will not have passed the statutory retirement age (currently aged 65 for males and aged 60 for             females) before the termination date of cover; and

You are actively working on the start date and when your loan payment protection claim occurs, for no less than 16 hours each week; and

You have been continuously employed for at least 6 months immediately prior to the start date of this loan payment protection policy; and

Your place of work is within the United Kingdom ; and

You agree to abide by the terms and conditions of this loan payment protection insurance policy.

You cannot be covered under this loan payment protection insurance policy if on the start date:

You are not personally named on the loan agreement; or

Prior to the commencement of this loan payment protection insurance policy you are aware of any impending unemployment or disability which       may affect you or you are aware of any circumstances which may result in you becoming a full time carer; or

You are in casual, temporary or seasonal employment.

if

you die; or

you retire from work or reach the statutory retirement age, whichever is the earlier; or

you stop living or working in the United Kingdom; or

your premium payment is more than 30 days overdue; or

you have repaid or no longer have a loan; or or

you or we cancel your cover under this policy.

Significant exclusions

In common with all similar loan payment protection insurance policies, cover does not extend to the following:

Any condition or disease which was known at the start date or for which you have received treatment or advice during the 12 months before       the start date.

Temporary or seasonal unemployment or expiry of non-renewable or fixed term contracts.

Impending or voluntary unemployment or early retirement.

Dismissal due to misconduct or breach of contract.

Disability due to stress, Aids or HIV, nervous disorder or backache unless a consultant certifies the condition solely prevents you from working.

Self inflicted injuries, drug or alcohol abuse, attempted suicide or treatment that is not medically necessary, including cosmetic surgery.

Pregnancy, unless a medical complication occurs.

Periods of claims whilst outside the UK for a period of more than 90 days.

Claims for unemployment that occur within the initial exclusion period of this loan payment protection insurance policy.

Claims for diagnosis of Terminal Illness that occur within the initial exclusion period of this policy.

Loan Payment Protection Claims Procedure

In the unfortunate event of you becoming disabled or made Involuntary Unemployed all you need to do is telephone the claims administration help line on 0845 408 0270 and all assistance will be provided.

In order to qualify for a claim you would need to be unable to work due to:

Unemployment for 30 consecutive days without interruption.

Accident & Sickness (Disability) for 30 consecutive days without interruption.

Hospitalisation for 7 consecutive days without interruption.

Carer cover 60 consecutive days without interruption.

Complaints procedure

If You have any cause to complain, or You feel that We have not kept Our promise, please follow the procedures below.

1. For complaints relating to the selling of this insurance please contact the sales agent from which this insurance was purchased. When You do           this quote Your Policy number stated on Your Certificate of Insurance.

2. For complaints relating to the administration or claims handling of this insurance please write to the Administrator, Adminicle Limited, Callidus              House, Cirencester Business Park, Love Lane, Cirencester, Gloucestershire, GL7 1XD.
    Telephone: 0845 408 0270. When You do this quote Your Policy number stated on Your Certificate of Insurance.

If after this action you are still not satisfied with the way a complaint has been dealt with, for disability or unemployment you should contact Customer Relations at Brit Insurance, 55 Bishopsgate, London, EC2N 3AS. Telephone 0207 984 8789; or

For complaints concerning life or terminal illness cover you should contact the customer services manager at Sterling Life Limited, Ambassador House, Paradise Road, Richmond upon Thames, Surrey, TW9 1SQ. Telephone 08702 242 390.

If You still remain dissatisfied after following the above procedures in full, You can ask the Financial Ombudsman Service to review Your case. Their address is Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London, E14 9SR.

The Financial Ombudsman Service cannot consider Your complaint if it is:

a) less than eight weeks after receipt of the complaint by the sales agent, Administrator or Us, or;
b) more than six months after the date on which the sales agent, Administrator or Us provided Our final response advising that
    You may refer Your complaint to the Financial Ombudsman Service, or;
c) more than six years after the event complained of or more than three years from the date on which You became aware that
    You had cause for complaint unless You have already referred the complaint to the sales agent, Administrator or Us.

Back to work service

This loan payment protection insurance policy includes a confidential and independent back to work advice programme called Jobcare. This service is free and is provided by employment specialists PMA Limited.

Cancellation of your Loan Payment Protection Insurance Policy

You can cancel this loan payment protection insurance within 30 days of the start date and any premium paid will be refunded, PROVIDED YOU HAVE NOT MADE A CLAIM UNDER THE POLICY. You can cancel this loan payment protection insurance at any time thereafter by writing to: Adminicle Limited, whose registered office is Callidus House, Cirencester Business Park, Love Lane, Cirencester Gloucestershire GL7 1XD.

Insurers

The disability and unemployment insurance is underwritten by Brit Insurance Limited, registered office 55 Bishopsgate, London EC2N 3AS, registered in England number 02763688, and who are authorised and regulated by the Financial Services Authority, registration number 202898.

The life and terminal illness insurance is underwritten by Sterling Life Limited, registered office Ambassador House, Paradise Road, Richmond upon Thames, Surrey TW9 1SQ, registered in England number 911235, and who are authorised and regulated by the Financial Services Authority, registration number 202178.