TERMS OF BUSINESS
John Lane (Insurance Consultants) Ltd
No 1 High Street, Gosport, Hants PO12 1BX

Tel No 02392 510000 Fax 02392 511277
E-Mail mail@johnlane.biz
Web Site www.johnlane.biz
Version 1 - Effective 14th January 2005

Our Service
In arranging insurance for our customers, we act as an Independent Intermediary. Our service includes advising you
on your insurance needs, arranging your insurance cover with insurers to meet your requirements and helping you with any
ongoing changes you have to make. We also issue policies on behalf of certain Insurers and can also assist you with making a
claim. We offer a wide range of Insurance products and have access to leading Insurers in the market place. As your
Independent Intermediary we undertake to comply with the regulations of the FSA of which we are authorised under reference
numbered 305048.

Disclosure
It is your responsibility to provide complete and accurate information to insurers when you take out your insurance
policy, throughout the life of your policy, and when you renew your insurance. Failure to disclose information pertaining to your
insurance, or any inaccuracies in information given, could result in your insurance policy being invalid or cover not operating fully.
It is important that you ensure all statements you make on a proposal form, claim form and other documents, are full and
accurate. If a form is completed on your behalf, you should check that the answers shown to any questions are true and
accurate before signing the document. You are advised to keep copies of any correspondence you send to us or direct to your
insurer. If you are in any doubt about whether information is material, you should disclose it. Please note that under the
Rehabilitation of Offenders Act 1974 you are not required to disclose any convictions regarding as 'spent'. You are reminded
that is an offence under the Road Traffic Act to make any false statements or withhold any relevant information to obtain a
Certificate of Insurance.

Confidentiality and Data Protection
All personal and sensitive information about our customers is treated as Private and
Confidential. We will only use and disclose the information we have about customers in the normal course of arranging and
administering their insurances, and will not disclose any information to any other parties without their written consent. Unless
we are notified of any changes, we shall assume the personal and sensitive data we hold about our customers is correct, and
shall use it to provide quotations when policies fall due for renewal. In the interests of security and to improve our service,
telephone calls you make to us may be monitored and/or recorded. We may pass information about you to credit reference
agencies for the purposes of arranging payments by installments, and may also pass to them details of your payment record with
us. Under the Data Protection Act 1998, individuals have a right to see personal information about them that we hold in our
records. A charge may be made for this service. If you wish to exercise this right, or have any other related queries, you should
write to us at the above address.

Motor and Home Insurance Anti-Fraud Registers
Insurers share information with each other via the Claims and Underwriting
Exchange Register, and the Motor Insurance Anti-Fraud and Theft Register, to aid the prevention of fraudulent claims. In the
event of a claim, the information you supply on the claim form, together with any other information relating to the claim, will be
put on the Registers.

Motor Insurer Information Centre (MIIC)
Insurers are legally required to provide details of motor insurance policies to the MIIC.
The information describing your insurance coverwill be added to the Motor Insurance Database (MID),
to which the police and other government agencies have access. This helps the pursuance of claims following accidents and aids
detection of those who are in contravention of the law by not taking out insurance.

Use for Marketing Purposes
We may use information held about you, to provide you with information about other products and
services which we offer, and which we feel may be appropriate to you, by email, telephone, post or other means. You may
exercise your right to give notice to stop data being processed for marketing purposes by contacting us at any time. Please
contact us on the above telephone number or write to us at the above address.

Claims
We do not have authority to handle claims on behalf of insurers. In the event of an incident occurring which may give
rise to a claim under your policy, you should notify the insurer direct as soon as possible using the contact details in your policy
document. When we receive notification of an incident that might give rise to a claim under your policy, we will inform the
insurer without delay and, in any event, within 7 working days. We shall use our best endeavours when acting on your behalf in
relation to a claim, to handle all elements of the claim with due care, skill and diligence. We will advise you promptly of insurers'
requirements concerning claims, including the provision, as soon as possible, of information required to establish the nature and
extent of a loss. If there is any conflict of interest, we shall only handle a claim on your behalf after we have disclosed to you all
information you require, to enable you to decide whether to give your informed consent, and you have given that consent. We
will forward any payments received from insurers in respect of any claim, to you, without delay. We will notify you of any
request for information we receive from your insurers.

Complaints
It is our intention to provide you with a high level of customer service at all times. If there are occasions when we
do not meet these standards, please contact the member of staff you were dealing with, either verbally or in writing. They will
take details of your concerns and we will then acknowledge in writing, advising you of who is dealing with the matter and
attempt to address this within 5 working days. If our investigations take longer, we will provide a full response within 20 days,
or explain our position and provide timescales for a full response. If you remain dissatisfied, please write to Mr. J Lane at the
above address. If we find that your complaint is valid, we will agree a mutually acceptable form of redress. If your complaint
relates to a contract of Insurance, please direct your complaint to the chief executive of the authorised Insurer, as stated in your
policy booklet. Should you feel that your issue has not been resolved you may wish to seek referral to the approved dispute
facility operated by the Financial Ombudsman Service - South Quay Plaza, 183 Marsh Wall, London E14 9SR. Tel 0845 080
1800 Fax 020 7964 1001. E-Mail enquiries@financial-ombudsman.org.uk. By making a complaint, you do not prejudice your
rights to any legal proceedings. The parties to a contract of Insurance covering a risk situated in the United Kingdom are
permitted to choose the law applicable to the contract. English Law will govern your Insurance.

Cancellation Rights (The Mediation Contract)
The Mediation Contract is the agreement between you and us for the insurance
mediation services that we provide to you in respect of your insurance requirements. Once you have entered into the Mediation
Contract with us, you are entitled to a period of reflection during which you may decide whether to proceed with the
purchase of the Mediation Contract. The duration of this cancellation period is (14) days and commences from either:
* The day of conclusion of the Mediation Contract; or * the day on which you receive the full terms of the Mediation Contract
Detailing the full contractual terms, conditions and information of the contract; whichever is later.
To cancel this Mediation Contract within the cancellation period, please write to us at the above address. If you do cancel this
Mediation Contract within the cancellation period, you may be charged a proportion of any of our fees that you have incurred.
This Mediation Contract can be cancelled at any time by either party in writing by giving (7) days notice. If you wish to give
notice of cancellation, please write to us at the above address. If we wish to cancel this Mediation Contract we shall write to
you at the last known address we have for you on our records. If you decide to cancel the Mediation Contract with us at any
time other than during the cancellation period, we will retain in full all fees that you have paid.

Premiums and Financial Aspects
In order to be able to offer you credit facilities, we are registered under the Consumer Credit
Act and our Licence Number is 243929. We normally accept payment by cash, guaranteed cheque or the following credit/debit
cards, Visa, MasterCard, Delta & UK Maestro. You may be able to spread your payments through insurers' instalment schemes, a
credit scheme with a third party finance provider, or a facility we have arranged ourselves. We will give you full information
about your payment options when we discuss your insurance in detail. We may keep certain documents, such as your Insurance
Certificate, while we are waiting for full payment of premiums. In these circumstances, we will ensure that you receive full
details of your insurance cover including your Schedule and policy booklet and will provide you with any documents that you are
required to have by law.

Risk Transfer
Premiums that we collect from you are held in an insurance broking bank account specifically used for the purpose
of holding client premiums. By virtue of agreements we hold with insurers, we collect premiums as agent of the insurer.
Therefore, once we have collected premiums from you, under the terms of our agreements with insurers, those premiums are
treated as having been paid to the insurer. We will remit the premiums to insurers, after deduction of our commission, in
accordance with the terms of our agreements with insurers.

Client Money Segregation (Statutory Trust)
Premiums that we collect from you will be segregated into and held in a Client
Money Bank Account. The client money will be held by us as trustee on your behalf. The Client Money Bank Account is set up
as a trust governed by FSA rules. This means that once the client money is segregated into the Client Money Bank Account, it
falls into our legal ownership but remains in the beneficial ownership of customers whose premiums are deposited in the
Account. If we become insolvent, the terms of the trust dictate that customers will have a prior claim on the client money in the
Account according to their respective interests in the client money. The costs relating to the distribution of client money may
have to be borne by the trust.

Charges and Return Premiums
As an Independent Intermediary, we are paid commission by your Insurance Company, details of
which are available on request. We do make the following charges to cover the administration of your Insurance: Arranging new
policies £5.00, Mid-Term Cancellations £10.00, Replacement/Duplicate Certificate or Covernote £5.00, Renewals £5.00, the
specific charge and purpose of additional charges will be advised in advance. Return premiums usually arise if an insurance risk
is reduced or a policy cancelled. On a return premium, we repay commission on the amount to your insurer and this will be
deducted from the final amount due to you. In view of the costs involved, we will not issue any return premium that is less than
£10.00 (after deducting reclaimed commission). An amount less than (£10) will be held to your credit and can be utilised against
any future insurance policy with us. If a policy is cancelled, we will refund any return premium due (after deduction of the
commission and our charge).

Quotations
All quotations are subject to change in respect of the amount of premium indicated, and/or the terms and conditions
that are applied.
Policy Terms, Conditions and Warranties You should read through all policy terms, conditions and warranties shown on your
policy documentation. Please ensure you understand them and are able to follow their requirements exactly. If not, please
advise us immediately, as a breach of any terms, conditions or warranties may enable your insurer to terminate your policy from
the date of that breach, and/or repudiate a claim under your policy.

Renewal Premiums
Paid by Instalments In good time before the renewal of your policy (currently 21 days), we shall contact
you with the renewal premium and terms for the coming year. If you have not contacted us before the renewal date, we shall
renew the policy automatically on your behalf. If you do not wish to renew the policy, please let us know as soon as possible and you
should also cancel your direct debiting instruction with your bank prior to renewal date. If it is your intention to renew the policy,
no action is required by you, and the policy will renew automatically. We shall send your new certificate of insurance to you.

Disclosure of Commission
If you would like to know the amount of commission that we are paid in respect of your insurance
contract, this information is available on request.

Customer money passed to another person
In accordance with FSA Regulations we have to inform you that in managing and/or
arranging your insurance requirements, we may transfer money that you have paid us, in payment of an insurance premium, to
another insurance intermediary. By accepting these Terms of Business, you are giving your consent for us to act in the manner
described in this Section.

Governing law
This Agreement shall be governed by the laws of England and Wales and the parties agree herewith that any
dispute arising out of it shall be subject to the (non-)exclusive jurisdiction of the English Courts. This Agreement shall be
governed by the laws of Scotland and the parties agree herewith that any dispute arising out of it shall be subject to the
(non-)exclusive jurisdiction of the Scottish Courts.

Demands and Needs Statement
Our understanding of your Insurance requirements or demands or needs in relation to this
policy are based upon the instructions and material information previously provided to us. We have sought terms from a panel of
20 Insurers whom we consider appropriate to provide your Motor and Home Insurance, Travel Insurance is sought from
just a few Insurers. We believe that they offer efficient service in respect of both policy administration and claims, they also compare
favorably with placements we have arranged for other clients with similar requirements.