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Ageas Direct 1CLIENTREF: 5902630/001

Your reference number: 5902630/001

1LETTER

Mr Marius Ileana DOCINFO=Ageas50,AM,TNT, A_ADM02A1_BCD ,,ADMCPB Aug 20,999TNTC5,,$ADMCBREX FEB 21,

7 Proctors Place
Wrockwardine Wood
TELFORD
Shropshire Key Details
TF2 7RF
Policy number: GDCCA06121678
Dear Mr Ileana, Start date: 19 Jan 2022 00:00
End date: 19 Jan 2023 12:00
Car: Renault Megane Dynamique
Welcome to Ageas Tomtom Dci (106)
Thanks for choosing our Ageas Car Insurance to cover your Renault. Registration: FP10DXG
Level of cover: Comprehensive
Before you set off No Claims Discount: 5 years (not
protected)
➀ Please read through this pack, your Certificate of Motor
Insurance, the Insurance Product Information Document and
your Policy Booklet. Thank you
➁ Check that the details shown in your Statement of Fact are Thank you for your deposit of
correct as your contract of insurance is based on this
information. If anything is incorrect or you wish to amend
your cover, you can do this easily via your online account.
£45.54
Your total price is £609.16.
Proof of No Claims Discount
This includes a policy set-up fee.
We are pleased to advise that we have successfully validated your No
This includes insurance premium tax
Claims Discount and this saving has been applied to your policy.
at the current rate and interest at
Here’s to a great year driving safely in your Renault. 13.5% (26.1% APR variable).
This will be collected in
instalments over 11 months and
Kind regards, your policy will run for 12 months.
The Ageas team
As you have chosen to pay by
monthly Direct Debit, overall you will
pay £67.04 more than if you
made a one-off payment.
Please see your Payment Summary
overleaf for full details of the
insurance costs, fees and charges.

Don't forget
You can make changes to your policy
online 24/7, free of admin charges,
at my.ageas.co.uk
A_ADMC02A1_BCD

Page 1 of 23 Your Ageas Car Insurance - Welcome Policy number: GDCCA06121678 18 January 2022
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Important numbers
Making a claim
Please call the relevant numbers below to make a claim. It may be useful to have a pen and paper to hand.
Please ensure you contact us before agreeing any repairs. See your policy booklet for more details on how to claim.
Car Insurance Claims 0345 125 2450

Windscreen Claims 0345 165 0581

If you are calling to make a car insurance claim from outside the UK, please call +44 1242 715929
Want to make a change or contact us regarding a change?
If you wish to make changes to or amend your cover, you can do this, free of admin charges, via your online account
at my.ageas.co.uk Your online account is easy to use and provides you with all the necessary information, including
how to contact us should you need to.

As you've chosen to pay by Direct Debit, we'll collect your

Payment Summary payments shown below:
Here's your annual premium:
Your Monthly Payments
Annual Cost
Total Insurance Cost £542.12
Car Insurance Premium £522.12
Minus Deposit £45.54
Insurance Premium Tax (IPT) Charged at the
current rate Total Amount of Credit £496.58

Policy Set-up Fee (non-refundable) £20.00 Total Cost of Credit £67.04

Total Insurance Cost £542.12 Fixed interest rate 13.5%

APR variable (already applied to 26.1%

the total amount payable)

10 monthly payments of £51.24 £512.40

1 Final Monthly Payment of £51.22

Total Amount Payable £609.16

As you have chosen to pay by monthly Direct Debit, overall

you will pay £67.04 more than if you made a one-off
payment.
This will be collected in instalments over 11 months with
your policy in place for 12 months.
Your policy will automatically renew
As you have selected this option, at renewal your policy will automatically renew. You can stop the automatic renewal of your policy by logging in to
your online account and changing your preference, or by emailing motor@ageas.co.uk or calling 0345 165 0570. If you make the choice to turn
automatic renewal off, your policy will not automatically renew and when you receive your renewal letter you will need to contact us to ensure you
remain covered. Please refer to the 'renewal of your policy' section in your Terms of Business Agreement for further information.

Page 2 of 23 Your Ageas Car Insurance - Welcome Policy number: GDCCA06121678 18 January 2022
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Your Statement of Fact

What is this?

Important

Below is a record of the information you have provided. Please check this information carefully, if there is anything missing
or incorrect please let us know immediately as this could result in a claim not being paid or your policy being cancelled.

What you told us you need from your insurance

Cover
You want Comprehensive cover to make sure your vehicle is covered against damage caused in an accident, a fire, by
vandalism or as a result of theft or attempted theft

Excess
You want to include a voluntary excess of £250 which is in addition to any compulsory excess

Drivers
You want Insured and Spouse to drive your car

Use
You will use your car for Social, Domestic, Pleasure excl commuting

Page 3 of 23 Your Ageas Car Insurance - Welcome Policy number: GDCCA06121678 18 January 2022
Your Statement of Fact (continued)
About you
Policyholder Marius Ileana
Address 7 Proctors Place
Wrockwardine Wood
Telford
Shropshire
TF2 7RF
Homeowner Yes
Telephone Number 07882758042

Email Address ileanamarius03@gmail.com

About your car

Make Renault
Model Megane Dynamique Tomtom
Dci (106)
Body Type 5dr Hatchback
Number of Seats 5
Right Hand Drive Yes
Engine Capacity 1461
Year of Registration 2010
Car Registration FP10DXG
Date of Purchase 01 July 2021
Value £1,200
Has the car been changed in No
any way from the vehicle
manufacturer's standard
specification?
Vehicle imported? No

Tracker fitted? No

Number of cars 2
in household
Are you the Yes
Legal Owner?
Are you the Yes
Registered Keeper?
Overnight Address TF2 7RF
Overnight Location Parked On Drive
Annual Mileage 10,000 miles

Page 4 of 23 Your Ageas Car Insurance - Welcome Policy number: GDCCA06121678 18 January 2022
Your Statement of Fact (continued)

About the drivers

Who will drive Insured and Spouse

Policyholder Driver 2

Main Driver

Surname Ileana Ileana

First Name(s) Marius Mihaela Ionela
Date of Birth 15 Nov 1985 27 Jun 1987
UK Residency 31 Jul 2015 31 Jul 2015
Gender Male Female
Marital Status Married Married
Relationship to Policyholder Policy holder Spouse
Use of vehicle Main User Frequently
Do you have use of another Owner
car?
Licence Type Full Licence Full Licence
Driving Licence Number ILEAN811155M99VV Not Applicable
(optional)
Date Licence Acquired 18 Jan 2014 18 Jan 2016
Member of the Institute of NoNo
Advanced Motorists (IAM)
Main Occupation Machine Operator Machine
Operator
Type of Business Food Manufacturer Food
Manufacturer
Part-Time Occupation Not In Employment Not In
Employment
Type of Business Not In Employment Not In
Employment
Car driven during No
peak hours
Children aged under 16 1
in household

About your policy

Insurer Ageas Insurance Limited
Policy Number GDCCA06121678
No Claims Discount 5 years (not protected)

Page 5 of 23 Your Ageas Car Insurance - Welcome Policy number: GDCCA06121678 18 January 2022
Cover Start Date and Time 19 January 2022 00:00
Cover End Date and Time 19 January 2023 12:00
Level of Cover Comprehensive
Policy Sections Applying A, B, C, D, E, F, G, H, I, J. K is optional.
Type of Use Social, Domestic, Pleasure excl commuting

Page 6 of 23 Your Ageas Car Insurance - Welcome Policy number: GDCCA06121678 18 January 2022
Your Statement of Fact (continued)

About your excesses

Compulsory Voluntary Total
Policyholder - Accidental or Malicious Damage £100 £250 £350
Mrs M I Ileana £100 £250 £350
Driver 2 - Accidental or Malicious Damage
Fire and Theft £100 £0 £100
Windscreen Repair £0 £0 £0
Windscreen Replacement £60 £0 £60
Replacement locks and keys £100 £0 £100

About the drivers' insurance history

Has any driver been involved in any motoring accidents or
claims (regardless of fault) in the last 3 years? No

Has any driver received a motoring conviction, licence

endorsement, fixed penalty or been disqualified from driving
in the last 5 years or still has pending action involving
motoring offences? No

Has any driver been refused insurance, had a policy cancelled

or had special terms or additional premiums imposed? No

Does any driver have any pending prosecutions or non–motoring

convictions that are not spent under the Rehabilitation of Offenders Act
1974? No

Page 7 of 23 Your Ageas Car Insurance - Welcome Policy number: GDCCA06121678 18 January 2022
Your Statement of Fact (continued)

Important Notes

1. Your policy will be based on the information shown in If you are involved in a road traffic accident (either in the
your Statement of Fact. This information will influence the UK, the EEA or certain other territories), insurers and/or
acceptance and assessment of this proposal. the MIB may search the MID to obtain relevant
Important notice: You are required by the Consumer information.
Insurance (Disclosure and Representations) Act to take Persons (including their appointed representatives)
reasonable care to supply accurate and complete answers pursuing a claim in respect of a road traffic accident
to all questions on this Statement of Fact to make sure (including citizens of other countries) may also obtain
that all information supplied is true and correct. Failure to relevant information which is held on the MID.
supply accurate and complete answers may mean that It is vital that the MID holds your correct registration
your policy is invalid and that it does not operate in the number. If it is incorrectly shown on the MID, you are at
event of a claim. risk of having your vehicle seized by the Police. You can
2. Insurers pass information to the Claims and check that your correct registration number details are
Underwriting Exchange Register, run by Insurance shown on the MID at www.askmid.com
Database Services Ltd (IDS Ltd) and the Motor Insurance You should show this notice to anyone insured to drive
Anti- Fraud and Theft Register, run by the Association of the vehicle under this policy. You can find out more about
British Insurers (ABI) and other databases. The aim is to the Motor Insurance Database and its use by contacting
help us check information provided and also to prevent them on www.miic.org.uk
fraudulent claims.
3. This is an important document – please keep it in a
If false or inaccurate information is provided details will be safe place along with your Policy Booklet and Certificate
passed to fraud prevention agencies to prevent fraud and of Motor Insurance. We recommend that you keep a
money laundering. Under the conditions of your policy, record (including copies of any letters or other documents)
you must tell us about any incident (such as accident or of all information supplied for the purpose of this
theft) which may or may not give rise to a claim. When insurance.
you tell us about an incident, we will pass information
relating to it to the Registers. For further information about 4. The insurer reserves the right to decline this proposal,
how we may use your personal information to prevent apply terms or to offer a policy containing restrictions in
and detect crime, please refer to our Privacy Policy. cover.
Information relating to your insurance policy will be added 5. No cover attaches until a Cover Note or Certificate of
to the Motor Insurance Database (MID) managed by the Motor Insurance has been issued by us.
Motor Insurers’ Bureau (MIB). MID and the data stored
on it may be used by certain statutory and/or authorised This statement was issued on 18 January 2022. Please
bodies including the Police, the Driver & Vehicle Licensing advise of any amendments within 7 days of receipt of this
Agency (DVLA), the Driver & Vehicle Agency Northern statement. We will advise you of any premium changes
Ireland (DVANI), the Insurance Fraud Bureau and other that may result from amendments you make and send a
bodies permitted by law for purposes not limited to but new statement.
including:
I. Electronic Licensing
II. Continuous Insurance Enforcement
III. Law Enforcement (prevention, detection, apprehension
and/or prosecution of offenders)
IV. The provision of government services and/or other
services aimed at reducing the level and incidences of
uninsured driving.

Page 8 of 23 Your Ageas Car Insurance - Welcome Policy number: GDCCA06121678 18 January 2022
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Your Declaration
Please read this carefully

I/We confirm that the information given is accurate and complete to the best of my/our knowledge and belief.
I/We confirm that by accepting this insurance you will pass the information in this Statement of Fact and about any incident
I/we may give details of, to Insurance Database Services Limited (IDS Ltd) and the Association of British Insurers (ABI)
so that they can make it available to other insurers.
I/We also understand that, in response to any searches you make in connection with this Statement of Fact or any incident
I/we have given details of, IDS Ltd and the ABI may pass you any information they have received from other insurers,
about incidents involving anyone insured to drive the vehicle covered under the policy.

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Terms of Business Agreement

Definitions
In this Terms of Business Agreement “we”, “us” and “our” means ageas, a trading name of Ageas Retail Limited, a wholly owned
subsidiary of Ageas (UK) Limited and a sister company to Ageas Insurance Limited.
We are an intermediary; we work on your behalf to understand what you need from your insurance and to offer appropriate products
and services. We work on behalf of insurers to incept, collect and refund premiums for your insurance policy. We will also handle
mid-term adjustments and cancellations on behalf of your insurers. We are registered in England and Wales No. 1324965 and our
registered address is Ageas House, Hampshire Corporate Park, Templars Way, Eastleigh, Hampshire SO53 3YA.
Who regulates us
We are authorised and regulated by the Financial Conduct Authority (“FCA”) and our registration number is 312468. You can check
this by visiting the FCA's website www.fca.org.uk/register.
About our service
Our service includes arranging your insurance cover and helping you with on-going changes. You will be asked a series of questions
so we understand what you need from your insurance, we will not provide advice or recommendations. Please ensure that the policy
meets your needs.
About the products we offer
We only offer Motor insurance from a single provider, Ageas Insurance Limited. Our additional optional products are provided by one
insurer per product:
• Motor Products
Breakdown Cover, Key Protection, Replacement Vehicle Cover and Excess Protection are offered by Ageas Insurance Limited.
Legal Expenses Cover is underwritten by AmTrust Europe Limited.
Information about you and changes to your circumstances
Please ensure that at all times, when requesting an insurance quotation or contacting us about your policy you have purchased from
us, you take care to answer all questions honestly and to the best of your knowledge. If you don’t, your policy may be cancelled,
treated as if it never existed or your claim rejected or not fully paid. You are reminded that it is an offence under the Road Traffic Act
to make any false statements or withhold any relevant information to obtain a Certificate of Motor Insurance.
You must tell us about any changes which affect your insurance policy. In particular you must update your policy in your online portal
when you are going to change address or change the vehicle you are insuring. For other examples of changes you should tell us about,
please see your policy document.
You should read and retain all the documents we have sent or may send you in the future. You should make sure the documents are
accurate and contact us if the documents contain any errors. If you have any queries about your policy or do not understand it, please
contact us and we’ll be happy to help you.
To help you manage any changes to your policy, any persons named on your policy, who we reasonably believe to be acting for you,
will be dealt with if they call on your behalf in connection with your policy. However, if you wish to cancel your policy by calling us, we
will only accept this instruction from you or someone authorised by you e.g. a solicitor or power of attorney.
How we will use your information
For details of how we collect, use and store your personal data - please visit our website www.ageas.co.uk/privacy-policy or contact
our Data Protection Officer at Ageas House, Hampshire Corporate Park, Templars Way, Eastleigh, Hampshire SO53 3YA or
thedpo@ageas.co.uk. You can also request a copy of our privacy notice by contacting us.
What you will have to pay for our services
The following fees and charges are non-refundable and are payable at the time of the transaction to which it relates.
If multiple transactions are made, a combination of these charges will apply.
Transaction Motor Insurance
Policy Set Up fee (applies to New Business and Renewal policies) £20.00

Administration fee for cancellation within 14 days £25.00

Cancellation fee after 14 days £50.00

Administration fee for processing a cancellation as a result of inaccuracies in your policy information being identified £50.00

Making any policy changes by phone, email, post or web chat. Or if we need to make changes due to inaccuracies £25.00
in your policy information being identified

Making any policy changes in your online account at my.ageas.co.uk FREE

Direct Debit Default fee £14.50

If you pay by instalments, your current rate of interest will be applied to any fees, charges, or additional premium added to your
repayment plan. The rate of interest will be confirmed when you arrange, amend or renew your insurance.
Any changes made to the policy can increase or decrease your insurance premium.
What we receive from your insurer
When you arrange or renew your policy and any additional optional products, we retain commission from your insurer(s) which is a
percentage of the premium.
Cancellation
Cancelling within the first 14 days
• If you cancel your policy within 14 days of the purchase date or the date at which you receive your documents (if this is later) then:
If your policy has not started we’ll refund your full premium, plus Insurance Premium Tax (IPT) where applicable, minus the relevant
administration fee for cancellation.
• If your policy has started, as long as you’ve not made a claim and nothing has happened which could lead to a claim, we’ll refund
you for the time left on the policy (plus IPT where applicable). We’ll do this by working out the cost of your insurance per day, and
then refund you for the days that you haven’t yet used, minus the relevant administration fee for cancellation.
• If you’ve made a claim or something has happened which could lead to a claim, no refund will be paid. If you pay for your insurance
on a monthly basis, we’ll also ask you to pay the remainder of the year’s premiums.
Cancellation after 14 days
• After the initial 14 days, as long as you’ve not made a claim and nothing has happened which could lead to a claim, we’ll refund
you for the time left on the policy (plus IPT where applicable). We’ll do this by working out the cost of your insurance per day, and
then refund you for the days that you haven’t yet used, minus the relevant fee.
• If you’ve had a claim during the cover period, or something has happened which might lead you to make a claim, then you won’t
receive any refund. If you pay for your insurance on a monthly basis, we’ll also ask you to pay the remainder of the year’s premiums.
If there is an unpaid balance on your policy after it is cancelled, we may pass this to a debt collection company to recover on our
behalf. If we are unable to collect the unpaid balance it may result in the issue of a County Court Judgment.
Receiving your documents
It’s easy to see your documents, make changes and renew online and it’s more environmentally friendly. So if you
currently receive paper copies but would like to manage your policy online, speak to us in live chat or give us a call.
If you need paper documents please contact us.
Mid-term adjustment premium
If you are entitled to a refund of your premium for any reason, we will only provide this where the amount due to you is greater than
or equal to £10.00.
Client Money
We act as agent for the insurer for the collection and payment of your premiums. This means that premiums are treated as being
received by the insurer when they are received by us. Any premium refund is treated as received by you when it is actually paid to
you. We will not pay you the amount of any interest that we earn from investing your money before paying it to your insurer.
Quote Guarantee Period
When we have provided you with a quotation, it is only valid for a limited period of time and providing there are no changes made to
the information provided, including the start date of the policy:
• By telephone or post: Your quote is valid for 30 days from the date we gave the quotation but not beyond the commencement
date of the policy.
• Online: Your quote is only guaranteed while you are on our website. This is because rates can change throughout the day
Renewal of your policy
Your renewal invitation will be sent to you before your renewal date and will show your new premium and clearly confirm whether you
have chosen to auto renew or not. It remains your responsibility to ensure that your insurance is valid and in force.
Automatic renewal
If you have chosen to auto renew and you are happy with the price and cover provided, you do not need to do anything, your policy
will renew and we will send your new insurance documents. You can stop the automatic renewal of your policy by logging in to your
online account and changing your preference, by emailing us or calling us. If you make this choice your policy will not automatically
renew and you will need to contact us to ensure you remain covered. If we are unable to automatically renew your policy, we will tell
you what you need to do in your renewal invitation letter.
Non automatic renewal
If you have opted out of automatic renewal you will need to call us, or visit your online account to renew your policy.
Renewal pricing
We want to make renewing insurance easy for our customers so we don’t offer discounted prices to people who call us. We think
it’s fairer and more convenient for our customers if we provide our final price from the outset. The price on your renewal invite will
be the only price available from us, based on the cover you’ve chosen and information we hold about you.
Making a complaint
If we have not met your expectations and you would like to make a complaint, you can do so by contacting us directly. If you remain
dis-satisfied you can contact the Financial Ombudsman Service. Full details on how to make a complaint about us or your insurer can
be found in your policy documentation.
Financial Services Compensation Scheme
We are covered by the Financial Services Compensation Scheme (FSCS) meaning you may be entitled to compensation from the
scheme in the unlikely event that we cannot meet our obligations to you. Further information about the compensation scheme
arrangements can be found in your policy documentation.
The Law and Language Applicable to this Agreement
The Terms of Business Agreement and the services which we provide under it, are subject to the law of England and Wales and subject
to the non-exclusive jurisdiction of the courts of England and Wales unless we agree otherwise.
All communications from us relating to your insurance policy will be in English.
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Additional cover available to you

You can add optional cover via your online account at my.ageas.co.uk or by
calling us on 0345 165 0570.

Legal Expenses

Excess Protection

Breakdown cover

Key Protection

Replacement Vehicle cover

Please call us for details and our latest prices. Qualifying criteria, terms and conditions apply to the optional extras shown.
You can find details of these in your online account, or we will discuss them if you call us to add any optional extras to
your car insurance policy.

Anything else?
ageas is a trading name of Ageas Retail Limited (Company Reg.
Visit ageas.co.uk No. 1324965) and Ageas Insurance Limited (Company Reg. No.
354568). Registered in England and Wales. Registered office:
Manage your policy 24/7 Ageas House, Hampshire Corporate Park, Eastleigh, Hampshire,
online at my.ageas.co.uk SO53 3YA.

ageas car insurance is arranged and administered by Ageas

Retail Limited and underwritten by Ageas Insurance Limited.
Ageas Retail Limited is authorised and regulated by the Financial
Conduct Authority, Financial Services Register No. 312468.
Ageas Insurance Limited is authorised by the Prudential
Regulation Authority and regulated by the Financial Conduct
Authority and the Prudential Regulation Authority, Financial
Services Register No. 202039.

Page 13 of 23 Your Ageas Car Insurance - Welcome Policy number: GDCCA06121678 18 January 2022
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Car Insurance
Insurance Product Information Document

Company: Ageas Product: Car Insurance

Ageas is a trading name of Ageas Retail Limited. Ageas Retail Limited is authorised and regulated by the Financial
Conduct Authority. Financial Services Register no 312468.

This document provides a summary of the key information for this product. Full information is provided in the policy documentation.

What is this type of insurance?

This is a Comprehensive car insurance policy. It covers the insured car against loss or damage to it caused by accident, fire, theft and vandalism/malicious
damage. The policy also covers liability for death, injury and property damage caused to third parties while the insured car is being driven or used.
Cover is provided to all drivers named on the Certificate of Motor Insurance.

What is Insured? What is not Insured?

Damage caused to your car as a result of: ✗ Wear and tear
✓ Accident ✗ Mechanical breakdown
✓ Malicious damage ✗ Punctures
✓ Vandalism ✗ Depreciation in value
✓ Fire ✗ Loss of use
✓ Theft ✗ Telephones
✓ Attempted theft ✗ Vandalism/Malicious damage if car not locked when
Death or injury to other people or damage to their property unattended
caused by: ✗ Theft by persons known to you (family etc.)
✓ Your car ✗ Theft by deception (bogus buyer)
✓ Driving other cars (If your policy covers this) ✗ Acts of War or Terrorism
✓ A Trailer being towed ✗ Excesses - The first amount of any claim (see policy
Other benefits (See policy wording for cover limits): wording and your Statement of Fact for more
✓ Audio/Entertainment equipment information)
✓ New car replacement ✗ Death, injury or damage to other peoples’ property:
✓ Child car seat Property Damage Limit - £20m Legal Expenses -
✓ Medical expenses £5m
✓ Overnight accommodation Other benefits
✓ Onward journey costs Lump sums not covered for injury or death in the event of:
✓ Windscreen damage ✗ Suicide/Attempted suicide
✓ Death - lump sum ✗ Not wearing a seatbelt
✓ Loss of sight - lump sum ✗ Excess alcohol/drugs in blood
✓ Loss of limb - lump sum Personal belongings does not cover:
✓ Personal belongings ✗ Work tools
✓ Comprehensive EU cover ✗ Money
✓ Replacement locks and keys ✗ Stamps
Optional Cover ✗ Telephones
See your Statement of Fact for details of the cover you have Driving other cars:
selected ✗ Only applies if shown on your certificate of motor
Dependent on your eligibility, you may be able to protect insurance
your No Claims Discount ✗ Only applies to the policyholder
✗ Only offers third party cover
✗ Only applies in the geographical limits
✗ Only applies to policyholders aged between 30-75
who have held a full UK/EU driving licence in excess
of two years

Are there any restrictions on cover?

! The most that will be paid for loss or damage to the
insured car is the market value of the car at the time of
the loss
! If the insurer's approved glass repairer is not used, cover
for damaged windscreens, windows and sunroofs will be
limited to £100 after the deduction of the excess
! No claims will be paid if the driver is convicted of driving
under the influence of alcohol or drugs
 Where am I covered?
✓ You and any named drivers will be covered in the UK, Channel Islands and the Isle of Man and for up to 90 days in each period of
insurance in the European Union
✓ Permanent residents of Northern Ireland are also covered in the Republic of Ireland

What are my obligations?

• You must provide us with honest, accurate and complete information, and inform us without delay of any changes in your situation or
those of any named drivers
• You'll need to let us negotiate, defend or settle any disputes or claims on your behalf. You'll also need to let us take legal action in
your name to get back any payment we've made under this policy
• It's really important that you're honest with us at all times, including when you're buying a policy or making a claim.
• In the event of a claim, you must tell your insurer as soon as possible, even if there is no damage to your car. You should not admit
fault, negotiate or promise to make any payment

When and how do I pay?

• Annually by credit/debit card; or
• Monthly by Direct Debit

When does the cover start and end?

This policy runs for 12 months and starts with effect from 19 Jan 2022 and will run until the renewal date of 19 Jan 2023

How do I cancel the contract?

You can cancel your policy by calling 0345 165 0570 or by writing to Ageas, Deansleigh House, Deansleigh Road, Bournemouth BH7
7DU. You can cancel your policy by e-mailing motor@ageas.co.uk.

It’s important to be aware that your policy won’t be cancelled if you simply stop your direct debit. Please refer to your Terms of Business
Agreement for details of fees and charges.

Cancelling within the first 14 days

• If you cancel your policy within 14 days of the purchase date or the date at which you receive your documents (if this is later) then:
If your policy has not started we’ll refund your full premium, plus Insurance Premium Tax (IPT) where applicable, minus the relevant
administration fee for cancellation.
• If your policy has started, as long as you’ve not made a claim and nothing has happened which could lead to a claim, we’ll refund you
for the time left on the policy (plus IPT where applicable). We’ll do this by working out the cost of your insurance per day, and then
refund you for the days that you haven’t yet used, minus the relevant administration fee for cancellation.
• If you’ve made a claim or something has happened which could lead to a claim, no refund will be paid. If you pay for your insurance
on a monthly basis, we’ll also ask you to pay the remainder of the year’s premiums.

Cancelling after the first 14 days

• After the initial 14 days, as long as you’ve not made a claim and nothing has happened which could lead to a claim, we’ll refund you
for the time left on the policy (plus IPT where applicable). We’ll do this by working out the cost of your insurance per day, and then
refund you for the days that you haven’t yet used, minus the relevant fee.
• If you’ve had a claim during the cover period, or something has happened which might lead you to make a claim, then you won’t
receive any refund. If you pay for your insurance on a monthly basis, we’ll also ask you to pay the remainder of the year’s premiums.

AM COMP v.1.1
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Pre-Contract Credit Information

Contact Details
Creditor contact details Ageas Retail Limited (T/A ageas)
Deansleigh House
Deansleigh Road
Bournemouth
BH7 7DU

Key features of the credit product

The type of credit Credit for Car Insurance
The total amount of credit £496.58
How and when credit would be provided The credit is advanced in one sum to the insurance company shown
on your Statement of Fact on the date the related insurance policy
starts
The duration of the credit agreement The duration of the agreement is 12 months
Repayments You will make 10 monthly instalments of £51.24 followed by a final
instalment of £51.22, the first instalment is due on the date the
credit agreement is entered into.
The total amount you will have to pay The total amount payable by you under the agreement is £563.62
This means the amount you have borrowed plus
interest and any costs
The proposed credit will be linked to the Insurance policy number: GDCCA06121678
supply of a specific goods or the provision
of a service
Cash Price £542.12

Cost of the credit

The interest rate(s) which apply to the credit
agreement 13.5% per annum (fixed)
Annual Percentage Rate of 26.1%
Charge (APR)
This is the total cost expressed as an annual
percentage of the total amount of credit.
The APR is there to help you compare
different offers.
Costs in the case of late payments If you miss or make a late payment, we will apply a £14.50 charge
to your account to cover administration costs
Consequence of missing payments Missing payments could result in the cancellation of your insurance
policy and make it more difficult for you to obtain credit in the future

Page 16 of 23 Your Ageas Car Insurance - Welcome Policy number: GDCCA06121678 18 January 2022
Pre-Contract Credit Information continued
Other important legal aspects
Right of withdrawal You have a right to withdraw from the agreement without any reason
within 14 days from when the agreement is made or, if later, 14
days after you have received a copy of the agreement
Early Repayment You have a right to repay the credit early at any time in full or in part
Right to a draft credit agreement You have the right, upon request, to obtain a copy of the draft credit
agreement free of charge, unless we are unwilling at the time of the
request to proceed to the conclusion of the credit agreement
The period of time during which the creditor is This information is valid for the duration of the agreement
bound by the pre-contractual information

Additional Information in the case of distance marketing of financial services

Registration Number Financial Conduct Authority registration number 312468
The supervisory authority Financial Conduct Authority
The law taken by the creditor as a basis for the English Law
establishment of relations with you before the
conclusion of the credit agreement
The law applicable to the credit agreement The credit agreement is governed by English Law and disputes shall
and/or the competent court be referred to the courts of England and Wales
Language to be used in connection with the We will for the duration of the agreement communicate with you in
credit agreement English
Access to out-of-court complaint and redress If you have a complaint about this agreement please let us know
mechanism so we can do our best to find a solution. If you are not satisfied with
the way we handle your complaint you can contact the Financial
Ombudsman Service at; Exchange Tower, Harbour Exchange
Square, London E14 9SR or at www.financial–ombudsman.org.uk.
For more information about how to make a complaint, please refer
to the Additional Product Information Document.

Page 17 of 23 Your Ageas Car Insurance - Welcome Policy number: GDCCA06121678 18 January 2022
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Fixed Sum Loan Agreement Regulated by the

Consumer Credit Act 1974

Parties to the Agreement

'We/Us' Ageas Retail Limited (T/A ageas) 'You' Mr Ileana
Deansleigh House 7 Proctors Place
Deansleigh Road Wrockwardine Wood
Bournemouth TELFORD
BH7 7DU Shropshire
TF2 7RF
Client Reference: 5902630/001
Duration of the Agreement: 12 months
Insurance Policy Number: GDCCA06121678
Cash price of insurance policy: £542.12
Advance Payments: £45.54
Amount of Credit: £496.58
Total Charge for Credit: £67.04
Total Amount Payable: £609.16
Payable by: 10 monthly payments of £51.24 due on the 10th of each consecutive month followed by a final payment
of £51.22
Rate of Interest: 13.5% per annum. This rate will apply for the duration of the agreement and will not change.
APR (annual percentage rate): 26.1%
Missed payments: Missing payments could result in the cancellation of your insurance policy and make it more difficult
for You to obtain credit in the future.
Charges: We will charge You a fee of £14.50 each time You miss or fail to make a payment on time.
Statement: You have the right to receive on request and free of charge at any time during the agreement a statement
showing details of each instalment owing, the date due, conditions for payment and a breakdown of capital repayment,
interest repayment and any other charges per instalment.
Early Repayment: You have the right at any time to repay the credit outstanding in this agreement in full or in part by
contacting Us at the address shown above.
Complaints: If You have a complaint about this agreement, please let Us know so We can do Our best to find a solution.
If You are not satisfied with our summary resolution or final response letter, You have the right to refer Your complaint to
the Financial Ombudsman Service. Full details on how to make a complaint may be found in the Additional Product
Information Document or on Our website.
Right of Withdrawal: You have a right to withdraw without any reason within 14 days of the start of this agreement. You
can notify Us either verbally on 0345 165 0570 or in writing to our contact address: Deansleigh House, Deansleigh Road,
Bournemouth BH7 7DU. If You exercise your right of withdrawal You must repay the credit no later than 30 calendar
days after giving Us notice. To repay the credit please contact Us on the details above.

Signed on behalf of You… Signed on behalf of Ageas Retail Limited

This is a Credit Agreement regulated by the Consumer Credit Ant Middle, Chief Customer Officer
Act 1974. You have already ‘signed’ this during your online
purchase and have confirmed that You agree to its terms and
conditions as set out on this page and overleaf.
Signature(s) of Customer(s):

Date of signature: 18 January 2022

Date(s) of signature(s) ……………………………….
Which is the date of this agreement.

Your copy, please retain for your records

At all times, We will communicate with You exclusively in English and the laws of England and Wales will apply in any
negotiations before and throughout the term of this agreement.

Page 18 of 23 Your Ageas Car Insurance - Welcome Policy number: GDCCA06121678 18 January 2022
Fixed Sum Loan Agreement continued
Payment
You agree to pay Us the Total Amount Payable in instalments by direct debit making the payments shown at the times
indicated overleaf. If You are late with a payment then We will charge You a fee (as explained in the Missed Payments
sections overleaf) from when the payment was due until the time it was paid. The credit will be advanced in one sum to
the insurance company shown on your Statement of Fact on the date the related insurance policy starts.
Early Settlement
You may repay the credit early, by either telephoning Us on 0345 165 0570 or notifying Us in writing. At the same time
You must also inform Us if You want Us to keep your insurance policy in force. If You decide to do this, You will repay
the unpaid balance less any payments You have already made and any charges imposed by your policy.
Our right to end the agreement
If You (or any one of You where there are two of You):
>> Do not make any payment on its due date or You cancel your direct debit instruction without giving Us
notice; or
>> Provide any false information or You fail to disclose any matter, which would have affected our decision to enter in to this
agreement or the insurance policy; or
>> Break the terms of this agreement or the policy.

We may after the expiry of a notice served on You terminate this agreement and require You to pay the amount outstanding
under the agreement. In the notice We will give You the reasons for termination and a statement showing the amounts
outstanding less any applicable refund due to You.
Your insurance policy
You may keep Your policy in force if You repay this agreement early by telling Us that You wish to do so by sending Us
the payment required under ‘Early Settlement’ above.
Agreement and your rights
We reserve the right to assign or transfer the rights and obligations in this agreement, without notice to You, to any other
person. Your legal rights will not be affected under ‘Early Settlement’ above.
Costs and taxes
Other taxes (such as Insurance Premium Tax) or costs not imposed by Us may apply to this agreement.
Relaxing the terms
Any delay in collection by Us does not affect our right to collect monies. Any failure by Us to strictly enforce the terms of
this agreement does not affect our right to enforce the terms at any time.
Changes to your details
We send any notices under this agreement to the last address known to Us. Therefore, if You change either your address
or banking details, You must let Us know by either amending the details on your online account or by calling Us on 0345
165 0570.
Jurisdiction
The laws of England and Wales shall apply to this agreement and the relevant courts of England and Wales will have
exclusive jurisdiction in relation to this agreement.
Date of agreement
The date of this agreement will be the date You accepted it online when purchasing your policy.
APR Assumptions
In calculating the total charge for credit and the annual percentage rate We have assumed that this agreement is to
remain valid for the duration and that You and We will fulfil our obligations under the terms and conditions and by the
dates specified in this agreement.
Supervisory Authority
We are supervised by the Financial Conduct Authority at 12 Endeavour Square, London E20 1JN.

Page 19 of 23 Your Ageas Car Insurance - Welcome Policy number: GDCCA06121678 18 January 2022
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Confirmation of the set-up of your Direct Debit instruction,

including future payment schedule
We have arranged to set up your Direct Debit as instructed. Your instalment plan has been processed by us, as agreed,
and a Direct Debit facility created. Details of the payment schedule, terms and conditions and confirmation of the account
details you gave are included in the documentation contained in your online account.

Please can you check that the details below are correct.

Account Name: Marius Ileana Account Number: ****2778

Date of first collection: 10/03/2022 Sort Code: 04-00-04
Day of the month to be collected: 10th Amount to be collected: £51.24
Frequency of collection: Monthly

For your information the collections will be made using:

Reference number: 5902630/001
Service User Number: 169476

If you have any queries, or need further information regarding your instalments, please contact our Customer Services
Department.

Cancelling your Direct Debit

You can cancel your Direct Debit at any time by advising your Bank or Building Society.
Please note that, by cancelling your Direct Debit, you are also cancelling the Credit Agreement. If you are cancelling your
Direct Debit before the final payment has been made to us, the outstanding balance becomes payable immediately.

IMPORTANT: Cancelling your Direct Debit does not cancel your policy.

This guarantee should be detached and retained by the payer.

The
Direct Debit
Guarantee
This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits.

If there are any changes to the amount, date or frequency of your Direct Debit, Ageas Retail Limited T/A ageas will notify you 8
working days in advance of your account being debited or as otherwise agreed. If you request Ageas Retail Limited T/A ageas to
collect a payment, confirmation of the amount and date will be given to you at the time of the request.

If an error is made in the payment of your Direct Debit, by Ageas Retail Limited T/A ageas or your bank or building society, you are
entitled to a full and immediate refund of the amount paid from your bank or building society.

If you receive a refund you are not entitled to, you must pay it back when Ageas Retail Limited T/A ageas asks you to.

You can cancel a Direct Debit at any time by simply contacting your bank or building society. Written confirmation may be required.
Please also notify us.
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Ageas Additional Product Information

Please check your policy documentation to confirm the insurance Complaints
cover you have selected.
How to make a complaint
Claims
If you wish to make a complaint about the service or information
How to make a claim Ageas have provided (including information or documentation
In the event of a claim, please refer to your policy wording for issued to you), please contact Ageas as follows:
full information on how to make a claim.
In writing:
Car Insurance Claims Customer Relations Manager
Ageas
From the UK 0345 125 24500345 125 2450 Deansleigh House
From Europe +44 1242 715 929 Deansleigh Road
Report a Claim: 24/7 Bournemouth
BH7 7DU
Windscreen Claims
By phone: 0345 165 0570
0345 165 0581
Opening hours: 24 hours a day, 365 days a year Opening hours: 8.30am-8pm Monday to Friday and
(This does not apply to Ageas Essentials Car Insurance policies) 8.30am-4pm Saturday

Optional Cover Claims By e-mail: customerrelations@ageas.co.uk

Legal Expenses If your complaint concerns Your Insurer

0344 701 1119 and quote 'Ageas' to obtain advice and request
a claim form. Ageas Insurance Limited - You can call your claims handler (your
Opening hours: 24 hours a day, 365 days a year handler’s name and phone number will be located on any letters
which they have sent to you) or contact them as follows:
Total Legal – Additional Legal Services
0344 701 1119 and quote “Ageas” for an initial telephone In writing:
consultation. Customer Services
Opening hours: 24 hours a day, 365 days a year Ageas Insurance Limited,
Ageas House
Excess Protection Hampshire Corporate Park
0345 165 0564 Templars Way
Report a Claim: 8am-9pm Mon-Fri, 9am-5pm Sat-Sun Eastleigh
SO53 3YA
Replacement Vehicle
0345 165 0569 By e-mail: Alternatively, you can e-mail your insurer via the
Report a Claim: 8am-9pm Mon-Fri, 9am-5pm Sat-Sun website at
www.ageas.co.uk/contact-us/making-a-complaint/complaint-form
Key Protection
0345 165 0571 If your complaint concerns Legal Expenses cover
Opening hours: 8am-9pm Monday to Friday and 9am-6pm
Saturday to Sunday Please contact Arc Legal Assistance Ltd

Motor Breakdown In writing:

From the UK 0345 165 0590 Arc Legal Assistance Limited
From Europe +44 1206 812774 PO Box 8921
Opening hours: 24 hours a day, 365 days a year Colchester
CO4 5YD

By phone: 01206 615 000

By e-mail: customerservice@arclegal.co.uk
If your complaint concerns Excess Protection cover If your complaint concerns Motor Breakdown cover

Please contact Ageas Retail Limited Please contact Call Assist Ltd

In writing: In writing:
Customer Services Customer Services
Ageas Retail Limited Call Assist Ltd
Ageas House, Hampshire Corporate Park Axis Court
Templars Way North Station Road
Eastleigh Colchester, Essex
SO53 3YA CO1 1UX

By phone: 0345 165 0564 By phone: 01206 771788

By e-mail: aslcomplaints@ageas.co.uk By e-mail: customerservices@call-assist.co.uk
Please include the following information in all emails - your name,
policy number, claim number, date of insured incident, vehicle The Insurer/Ageas/Arc Legal Assistance/Ageas Retail
registration number Limited/Call Assist will try to resolve it by the end of the third
working day and they will send you a summary resolution letter.
If your complaint concerns Replacement Vehicle cover If they are unable to do this, they will write to you within five
working days to let you know what they are doing to resolve
Please contact Ageas Retail Limited your complaint and let you know who is dealing with the matter.
Within eight weeks of receiving your complaint, you will receive
In writing:
a final response or, if this is not possible, a reason for the delay
Customer Services
plus an indication of when a final response will be provided.
Ageas Retail Limited
Ageas House, Hampshire Corporate Park You have the right to ask the Financial Ombudsman Service to
Templars Way review your complaint, free of charge, if for any reason you are
Eastleigh still dissatisfied with either the summary resolution or final
SO53 3YA response letter, or if the Insurer/Ageas/Arc Legal
Assistance/Ageas Retail Limited/Call Assist have not issued their
By phone: 0345 165 0569
final response within eight weeks from you first raising the
By e-mail: aslcomplaints@ageas.co.uk complaint. However, you must do so within six months of the
Please include the following information in all emails - your name, date of the summary resolution or final response letter.
policy number, claim number, date of insured incident, vehicle
You can contact the Financial Ombudsman Service at the
registration number
address below, however they will only consider your complaint
If your complaint concerns Key Protection cover once you’ve tried to resolve it with the Insurer/Ageas/Arc Legal
Assistance/Ageas Retail Limited/Call Assist.
Please contact Ageas Insurance Limited

In writing:
Ageas Insurance Limited
Ageas House
Hampshire Corporate Park
Templars Way
Eastleigh
SO53 3YA

By e-mail: Alternatively, you can e-mail your insurer via the

website at
www.ageas.co.uk/contact-us/making-a-complaint/complaint-form
In writing:
Financial Ombudsman Service
Exchange Tower
London
E14 9SR

By phone: 0800 023 4567 or 0300 123 9123

By e-mail: complaint.info@financial-ombudsman.org.uk
Website: www.financial-ombudsman.org.uk

Referral to the Financial Ombudsman Service is free of charge,

but you must do so within six months of the date of the final
resolution letter. Please note that if you do not refer your
complaint within the six months, the Ombudsman will not have
our permission to consider your complaint and therefore will
only be able to do so in very limited circumstances. For example,
if it believes that the delay was as a result of exceptional
circumstances.

Following the above complaints procedure does not affect your

right to take legal proceedings.

Financial Services Compensation Scheme (FSCS)

Ageas and your insurer are covered by the independent Financial
Services Compensation Scheme (FSCS). You may be entitled
to compensation from the scheme in the unlikely event we
cannot meet our obligations to you. This depends on the type
of insurance and circumstances of the claim. Further information
about the compensation scheme arrangements is available from
the FSCS (www.fscs.org.uk) or by writing to the FSCS at 10th
Floor, Beaufort House, 15 St Botolph Street, London, EC3A
7QU.