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Mon to Fri 8am to 9pm, Sat 9am
Gheorghe Anca
to 5pm and Sun 9am to 4pm
87A Elmdene
SURBITON
Policy number 5019775963
Surrey
KT5 9PN Date 12 April 2023
Thanks for choosing Churchill An overview
Your car
Hello Gheorghe LAND ROVER RANGE
Thanks for choosing to insure your LAND ROVER RANGE ROVER SPORT (GJ09OFL) with Churchill. ROVER SPORT
We've set up your Comprehensive Plus insurance.
Annual premium
What we've included £1,516.15
> See page 2 for details
Car insurance details Monthly payments Motor certificate
> See page 3 > See page 6 > See page 12 Start date
We've also included your Insurance Product Information Document and policy booklet. 13 April 2023
Your policy is made up of your car insurance policy booklet, your car insurance details and your Policy number
motor certificate. 5019775963
What you need to do now Your cover

Comprehensive Plus - which
Please check the details of your policy carefully to make sure it's right for you. includes:
> You must take care to make sure that all the details you've given us are correct and complete. Guaranteed Hire Car Plus
> If you notice something is wrong you must let us know, as incorrect or incomplete details could Motor Legal Cover
impact your policy. This could include your policy not being valid, or claims being turned down or
Protected No Claim
not fully paid. Discount
> Also, please don't forget to let us know immediately if anything has changed between now and Green Flag breakdown
when your policy starts (which may include, but is not limited to, things like a claim, a motoring
offence or any changes to your car), as this could also have an impact on your policy or a claim
being paid.
> Please let us know straight away if anything isn't right or you're not sure about any details.
What happens next

We've checked your 5 years No Claim Discount, so you don't need to send us proof.
1203 / 20.0.0
Continues on next page >
Churchill insurance policies are underwritten by U K Insurance Limited. Registered office: The Wharf, Neville Street, Leeds, LS1 4AZ. Registered
in England and Wales No.1179980. U K Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Page 1 of 14
Conduct Authority and the Prudential Regulation Authority. Calls may be recorded.
Policyholder Gheorghe Anca | Policy number 5019775963 | Date 12 April 2023
How we worked out your premium and payments
Comprehensive Plus cover £1,378.35 Your offers

Annual premium including Insurance Premium Tax £1,378.35 Legal Cover Included for
Life
Deposit from card ending 7003 on 12 April 2023 £229.65 Motor Legal Cover Included for the
lifetime of the policy
Total left to pay before charge for credit £1,148.70
Charge for credit £137.80
Total amount left to pay by monthly Direct Debit £1,286.50

> See page 6 for details of your monthly payments
Total you will pay over the year if you pay by monthly Direct Debit £1,516.15
If you would like to pay for your policy in a single payment, please get in touch.
This would cost £1,378.35 which is £137.80 cheaper than paying monthly as there are no
credit charges for paying in a single payment.
If you have any questions or need to change anything, please go to churchill.com or get in
touch.
Kind regards
The Churchill Team
Car Insurance details | Policyholder Gheorghe Anca | Policy number 5019775963 | Date 12 April 2023
Car insurance details

Here's the important details about your insurance that form part of your policy. Please take care to check all the information.
> We've used the details you've given us to arrange your insurance, so please check the details to make sure they're right to the best of
your knowledge.
> If you notice something is wrong you must let us know, as incorrect or incomplete details could impact your policy. This could include
your policy not being valid, or claims being turned down or not fully paid.
> Please let us know straight away if anything is wrong or you're not sure about any details. You can get in touch on 0345 877 6680.
> Remember to look through your policy from time to time to make sure your insurance is still right for you.
Your car Your insurance continued
LAND ROVER RANGE ROVER SPORT TDV6 Car insurance Section 1: Liability
SPORT HSE - ESTATE, 5 doors, AUTOMATIC policy booklet: Section 2: Fire and theft
what applies and
Section 3: Courtesy car
Registration number GJ09OFL what doesn't
Section 4: Accidental damage
Engine details 2720 cc, 187 BHP, DIESEL
Section 5: Windscreen damage
Manufactured 2009 Section 6: Personal benefits
Registered keeper Policyholder Section 7: Motor Legal Cover
Purchase date April 2023 Section 8: Guaranteed Hire Car Plus
Section 9: Protected No Claim
Modifications No modifications made
Discount
Where it's kept Kept overnight on the driveway at KT5
9PN Please note: check your policy booklet for
Estimated mileage No more than 4,000 miles each year full details of what is covered and what
isn’t covered in each section.
Use Social, domestic and pleasure purposes
- including travelling to and from a
permanent place of work.
Use by the Policyholder (in person)
in connection with the Policyholder's
business.
Using your car > Your Comprehensive Plus cover includes
abroad up to 90 days foreign use cover each
policy year (so long as your permanent
home is in the UK, Isle of Man or the
Channel Islands).
> See your policy booklet for full details.

No Claim Discount 5 years earned with this vehicle or
previous vehicle by Gheorghe Anca
Your insurance
Start and end date 13 April 2023 at 00:00 to 12 April 2024

at 23:59
1201 / 32.0.0
Cover Comprehensive Plus - which includes:

Motor Legal Cover
Guaranteed Hire Car Plus
Protected No Claim Discount
Green Flag breakdown
Your insurance continued About the Policyholder continued
Renewing your policy You’ve asked us to automatically renew Gheorghe Anca continued
your policy using your current payment
details. This means that when your Accidents, claims None
policy comes up for renewal you’ll be or losses regardless
continuously covered, including your add- of fault in the last
ons. 5 years
If you want to change this, get in touch
any time before your renewal date.
Your excesses
The Can we help? Section on the front of
the document shows all the ways you can Accidental damage claims Excess
get in contact. If you take the policy off
Gheorghe Anca
automatic renewal, this will mean that . Voluntary £0 £150
your policy will lapse on the renewal date . Compulsory £150
unless you tell us otherwise.
When the car is
We’ll send your renewal pack about 21 £150
unattended
days before your renewal date. This will
include your new premium and terms. Fire and theft claims £150
If we can’t renew your policy, or if we Windscreen claims
need to talk to you before we can renew
Replacement £75
your policy, we’ll let you know.
Repair £10
What is an excess?
Your excess is the amount you have to pay towards the cost of
About the Policyholder any claim. You have different excesses depending on what you
claim for. Your excess can be made up of :
Gheorghe Anca > a voluntary excess you can change
Driver type Only driver > a compulsory excess based on the driver
> a compulsory excess based on the type of car
Date of birth 21 September 1989 > See your policy booklet for more details.
Marital status Living with someone as if you were
married to them Car insurance policy limits
UK residential status You weren't born in the UK. You started
living here in January 2016 Cover Limit
My Account email george.anca89@icloud.com Section 1: Liability
Employment status Employed full time Injuries to other people Unlimited

Main occupation Company Director Property damage £20,000,000
Employer's business Building, Allied Section 2: Fire and theft
Home owner No Fire damage to your car Market Value

Children at home There are children under 16 in your Theft or attempted theft of your car Market Value
household
Child car seat replacement Unlimited
Number of vehicles 3 vehicles in your household
In-car entertainment:
Driving licence no. ANCA9809219G99LG > fitted in your car when it was made Unlimited
Driving licence type As per your DVLA records > fitted in your car after it was made £2,000
Held for As per your DVLA records Removable electronic equipment £2,000
Motoring offences, As per your DVLA records – you can check Theft of car keys £1,000
endorsements, these details at gov.uk
fixed penalties,
bans or points
in the last 5 years
Car insurance policy limits continued Car insurance policy limits continued
Cover Limit Cover Limit

Section 4: Accidental damage Travel costs £50 per day
Accidental damage to your car Market Value up to £500 per claim
Child car seat replacement Unlimited Additional charges

In-car entertainment:
Type of charge Administration fee
> fitted in your car when it was made Unlimited
> fitted in your car after it was made £2,000 If you change your policy online via My Account £0.00
Removable electronic equipment £2,000 If you change your policy by contacting us £26.88
Misfuelling Market Value If you cancel your policy £53.76
Lost car keys £1,000 These administration fees include Insurance Premium Tax where
Section 5: Windscreen damage
applicable
> See your policy booklet for more details.
If you use an approved supplier Market Value
If you use a different supplier: Your declaration
> repairs £40
> replacement £125 Please read your policy carefully to make sure it's right for
Section 6: Personal benefits you. It's important that you take care to give us accurate
information to the best of your knowledge. If you notice
Personal belongings £500
something is wrong you must let us know, as incorrect or
Personal accident £10,000 incomplete details could impact your policy. This could include
Medical expenses £400 impacts like your policy not being valid, claims being turned
down or not fully paid. If you think there's a mistake or you
Hotel expenses £300 need to make changes (including, but not limited to, notifying
New car replacement Market Value us of any motoring offences or changes to any vehicle or driver
which have taken place since you received your quote or which
Uninsured Driver Promise Included
occur during the term of this policy), you must let us know
Vandalism Promise Included straight away.
Section 7: Motor Legal Cover You confirm that:
Overall limit for all claims £100,000 > you have checked that the policy is right for you.
Road traffic accident £100,000 > you and anyone else insured on this policy haven't had any
insurance policy cancelled or voided by an insurer for fraud or
Motor contract dispute £100,000 misrepresentation in the last five years.
Motoring prosecution defence £100,000
Section 8: Guaranteed Hire Car Plus
Amount of time you can have the car for:
> if you use an approved repairer Duration of Repair
> if you use a different repairer 21 days
Monthly payments | Policyholder Gheorghe Anca | Policy number 5019775963 | Date 12 April 2023
Any questions? Call 0345 877 6680
Your payments
What you need to do
By choosing to pay your insurance policy in monthly payments, you're agreeing to a loan from
us. The Direct Debit Guarantee
> Please check all your monthly payment details, including: > This Guarantee is offered by all
. your Direct Debit > See below Banks and Building Societies that
. the Pre-Contract Credit Information (PCCI) document > See page 8 accept instructions to pay Direct
Debits.
. your credit agreement > See page 10
> If there are any changes to the
> If you need to change any of the details, please get in touch. amount, date or frequency of your
> If everything looks OK, sign on page 10, keep the details safe and we'll Direct Debit, Churchill Insurance
take your Direct Debit. will notify you 10 working days in
advance of your account being
> You don't need to send any of these documents back to us. debited or as otherwise agreed. If
you request Churchill Insurance to
Want to cancel your monthly payment agreement? collect a payment, confirmation
of the amount and date will be
If you don't want to pay for your insurance policy in monthly instalments, you may cancel
given to you at the time of the
this agreement within 15 days. You won't be charged anything during this period but, once request.
cancelled, you'll then have to pay your insurance premium in full.
> If an error is made in the
payment of your Direct Debit,
Your Direct Debit by Churchill Insurance or your

Bank or Building Society, you are
entitled to a full and immediate
Important; Confirmation of the set-up of your Direct Debit Instruction, refund of the amount paid from
including future payment schedule. your Bank or Building Society.
> If you receive a refund you are

We've set up your Direct Debit using the information you gave us. Please check that not entitled to, you must pay it
everything, including your payment schedule, is correct. If anything is incorrect, please get in back when Churchill Insurance
touch. asks you to.
Account name Gheorghe Anca > You can cancel a Direct Debit at
any time by simply contacting
Bank account number **** 2707 your bank or building society.
Written confirmation may be
Bank sort code 230580 required. Please also notify us.
How often we'll take your Monthly

payment
Amount and date of first £128.65 on 15 May 2023

Direct Debit
Amount and date of £128.65 on 13th of every month.

remaining Direct Debits
We'll take your Direct Debits using these details:
Service user number 290695
Reference 5019775963-001
9003 / 18.0.0
Churchill insurance will be taking your payments, so you'll see this name on your bank
statement.
You have the right to cancel your Direct Debit at any time. A copy of the Direct Debit
Guarantee is attached
Adequate explanations
Additional Information relating to the Loan
Your Loan Explained

By opting to pay your insurance premium via instalments you 4. What debt recovery action may be taken if I stop repaying
are obtaining credit from us in the form of a loan. A loan is an the Loan?
agreement in which a borrower receives something of value, in
If you are having trouble paying your Loan we will give you
this instance the sum of the insurance premium, and agrees to
reasonable time to repay what is owed. If we cannot come
repay the lender on/over agreed date/s.
to an acceptable agreement in this respect we may obtain a
It is important that you read the Pre-Contract Credit judgment (decree in Scotland) from the court, known as CCJs
Information (PCCI) document carefully, as it gives key details and this would be recorded in your credit report.
about the Loan. Please make sure you understand what is
involved. 5. What cancellation rights do I have?
Before purchasing this product, ask yourself the following Details of your right to withdraw from the agreement after
questions: you have signed are set out in section 4 of the PCCI document.
You have 30 days after you withdraw to repay any amount
1. Is this the right product for me? borrowed.
Does the proposed Loan meet your needs and circumstances?
6. Are there any special features of the Loan I should pay
Do you understand how the agreement will work?
particular attention to? Particularly anything that may
> As the interest rate is fixed, the repayments will be fixed impact on what I require to pay?
amounts.
> You will pay for your Loan by 10 instalments. If you cancel your Loan and do not pay your insurance premium
> You may be asked to make an initial payment. by an alternative means, your related insurance may be
cancelled and you will no longer be insured.
2. How much it will cost me?

7. Do I need more information before deciding?
The cost is set out in sections 2 and 3 of the PCCI document -
details of the repayments, the total amount you will have to pay We are happy to answer any questions you may have about the
and the interest rate applicable. Loan.
Are you sure you can afford the monthly repayments?

Don't sign anything unless you are absolutely sure you want
to proceed
3. What could happen if I can't keep up repayments?
If you miss any payment we may terminate your credit
agreement. If we do, and you do not pay any outstanding
premium for your insurance policy, your insurance policy may
also be terminated.
In addition, missing payments could have severe consequences
for your finances. It may make obtaining credit more difficult
in the future as we may report non-payment to the credit
reference agencies (which most lenders consult when assessing
any borrowing application) and this will adversely affect your
credit rating.
If the repayments under your credit agreement are paid by
a third party and the third party misses payment, it will be
your credit rating that may be adversely affected, not the third
party's credit rating.
9002 / 11.0.0
Pre-Contract Credit Information
1 Contact Details
Creditor U K Insurance Limited
Address The Wharf, Neville Street, Leeds, LS1 4AZ
2 Key features of the credit product

The type of credit Fixed-sum loan
The total amount of credit The sum of £1,148.70

This means the amount of credit to be
provided under the proposed Credit
Agreement or the credit limit
How and when credit would be provided Once there is a signed and binding agreement between us you are extended the credit as
deferred payment for your insurance premium.
The duration of the Credit Agreement 13/04/23 to 12/04/24
Repayments (a) The first instalment payable is £128.65 due on 15/05/23 followed by 9 monthly
instalments of £128.65 monthly thereafter.
(b) Any amount repaid cannot be redrawn.
(c) If there is an Arrangement Fee it will be due and payable on the day the Term begins.
The total amount you will have to pay £1,286.50 (this includes interest of £137.80 and any Arrangement Fee)
This means the amount you have
borrowed plus interest and any costs
Description of services Churchill Motor Insurance Policy Number: 5019775963
Cash price Annual Premium: £1,378.35
3 Costs of credit
The rates of interest which apply to the 12.00% fixed for the duration of the agreement
credit agreement
Annual Percentage Rate of Charge (APR) 28.40%

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
Any other costs deriving from the credit An Arrangement Fee of £0 is payable at the start of the Loan.
agreement
Costs in the case of late payments You will be charged the Annual Rate of Interest on any missed or late payment, from its
due date to the date of actual payment.
Consequences of missing payments If you miss any payment due under this agreement we may terminate it. If we do, and you
do not pay any outstanding premium for your insurance policy, your insurance policy may
also be terminated.
If you miss making payments under this agreement this could have severe consequences
for your finances and make obtaining credit more difficult. If you fail to repay what is
owed we may obtain a judgement (decree in Scotland) from the court, known as CCJs and
this would be recorded in your credit report. We may report non-payment to the credit
reference agencies (which most lenders consult when assessing any borrowing application)
and this may adversely affect your credit rating.
9001 / 12.0.0
4 Other important legal aspects

Right of withdrawal You have the right to withdraw from the Credit Agreement within a period of 14 calendar
days, this period starting (a) the day after the agreement is made, or (b) the day after you
have been given either (i) a copy of the executed agreement or (ii) written confirmation
that the copy of the unexecuted agreement already provided to you is in identical terms
to the executed agreement together with notice of your entitlement, on request, to a copy
of the executed agreement, before the end of the cancellation "cooling off" period where
this day is later than (a).
Early repayment You have the right to repay the credit early at any time in full or in part.
Consultation with a Credit Reference If we use a credit reference agency to determine whether to provide you with credit
Agency we must inform you immediately and without charge of the result of a consultation
with a credit reference agency if your credit application is rejected on the basis of such
a consultation, unless we have good reason preventing disclosure, for example where
disclosure is legally prohibited.
If this happens you will be provided with details of the credit reference agency consulted.
Right to a draft credit agreement You have the right, upon request, to a copy of the draft Credit Agreement free of charge,
unless we are unwilling at the time of your request to proceed to the conclusion of the
Credit Agreement with you.
5 Additional information in the case of distance marketing of financial services
(a) concerning the creditor

Registration number Firm Reference Number 202810
If applicable
The supervisory authority The Financial Conduct Authority, 12 Endeavour Square, London E20 1JN
(b) concerning the credit agreement

The law taken by the creditor as a basis English law is the basis for establishing relations between us unless you live in Scotland,
for the establishment of relations with you where Scottish law applies.
before the conclusion of the credit contract
The law applicable to the credit agreement English law will apply to the agreement unless you live in Scotland, where Scottish law will
and/or the competent court apply. Court proceedings under the agreement require to be raised in the county court in
England and Wales and the sheriff court in Scotland.
Language to be used in connection with English will be used in all matters relating to the agreement.
your agreement
(c) concerning redress

Access to out-of-court complaint and If you are not satisfied with our service in providing the Loan we have a complaint
redress mechanism handling procedure that you can use to resolve such matters. You can get more
information and details of the procedures from our address quoted on the agreement or
by phoning us. U K Insurance Limited is covered by The Financial Ombudsman Service. If
you are still not satisfied after following these procedures, you can ask the Ombudsman
to review the complaint. Alternatively, you can write to Financial Ombudsman Service,
Exchange Tower, London E14 9SR or telephone 0800 023 4567 or 0300 123 9123.
Fixed Sum Credit Agreement

Regulated by the Consumer Credit Act 1974
About the agreement
Agreement Number (the "Loan") The Company/Creditor ("we/us")
5019775963/24/MX U K Insurance Limited, The Wharf, Neville Street, Leeds, LS1 4AZ
Date The Customer/Borrower ("you")
13/04/23 Gheorghe Anca, 87A Elmdene, Surbiton, Surrey, KT5 9PN
The details
(A) Amount of Credit . a breakdown of each Instalment showing how much comprises (a) capital
£1,148.70 repayment (b) interest payment and (c) any charges due.
Once there is a signed and binding agreement between us we will extend the (M) Charges on Default
credit to you by way of deferred payment for the insurance premium for the You may be charged:
following insurance policy: . for any reasonable costs and expenses, whether legal or administrative, which
(B) The Policy we incur in obtaining payment by you of any sums overdue;
. Insurer: U K Insurance Limited . the Annual Rate of lnterest on any sum payable to us under this Agreement
. Product: Churchill Motor Insurance from its due date to the date of actual payment both before and after any
. Policy Number: 5019775963 judgment or decree.
. Annual Premium: £1,378.35 (N) Missed Payments
(C) Description of goods and credit purpose If you miss any payments due under this agreement we may terminate it. If we
The payment by instalments to the Insurer of the Policy referred to above. do, and you do not pay any outstanding premium for your insurance policy, your
Full policy details are set out in your policy booklet and car insurance details insurance policy may also be terminated. If you miss making payments under
document. this Agreement this could have severe consequences for your finances and make
obtaining credit more difficult. If you fail to repay what is owed we may obtain a
(D) Total Charge for Credit
judgement (decree in Scotland) from the court, known as CCJs and this would be
£137.80 comprising interest of £137.80. recorded in your credit report. We may report non-payment to the credit reference
(E) Total Amount Payable agencies (which most lenders consult when assessing any borrowing application)
£1,286.50 comprising Amount of Credit and Total Charge for Credit, but not and this may adversely affect your credit rating.
including any initial payment you may have paid. (O) Before signing please read the following
(F) Duration of the Agreement By signing, you confirm holding a copy of this Agreement, and you also confirm:
13/04/23 to 12/04/24. (i) all the information provided in connection with your application for the Loan is
true and accurate;
(G) Repayments (ii) we may make any enquiries we deem necessary to confirm the accuracy of the
(i) The first instalment is £128.65 due on 15 May 2023 followed by 9 monthly information provided and for the purpose of credit assessment;
instalments of £128.65. (iii)your acceptance that you are bound by the terms contained in the documents
(ii) IMPORTANT NOTE: if the Direct Debit Instruction is not set up prior to the first which you are confirming you hold; and
due date, we hereby give you notice that the initial premium will be collected (iv)when your insurance policy is due for renewal we can provide a credit
9 days after receipt of your Direct Debit Instruction. Following instalments will quotation as this is your preferred method of payment for this policy.
not be affected.
(H) Annual Percentage Rate (APR) RIGHT OF WITHDRAWAL - WHEN YOU CAN WITHDRAW FROM THIS
28.40% AGREEMENT
You may withdraw from this Agreement once it is made without giving a
(I) Rate of Interest reason. The period in which you can exercise your withdrawal right is 15
12.00% fixed for the duration of the Agreement. days beginning the day that you receive your Credit Agreement. Details of
(J) Calculation and Application of interest how to withdraw and the effect of withdrawal are set out in Condition 1 of
the General Conditions which form part of this Agreement. In relation to
Interest will be charged on the amount of credit outstanding. Interest is payable
you exercising your withdrawal rights, please note that no interest will be
in arrears on the instalment dates as set out above.
charged if you withdraw within the 15 day period.
(K) Early repayment
You have the right to repay this Loan or any part of it before the end of the Term This is a Credit Agreement regulated by the Consumer Credit Act 1974. Sign it
but the remaining balance and interest must be repaid on the end of Term date. only if you want to be legally bound by its terms.
Any amount repaid during the Term cannot be redrawn. If you would like to repay Signature(s) of the Customer(s) Date(s) of signature(s)
any part of the Loan early please call us on 0345 877 6680.
(L) Statement of account
You have the right to receive, on request and free of charge, at anytime
throughout the duration of the Agreement, a statement in the form of a table Signature on behalf of the Company Date:
showing: 13/04/23
. the details of each Instalment owing under the Agreement; Penny James,
. the date on which each Instalment is due, the amount and any conditions Chief Executive
relating to the payment of the instalments;
PLEASE DO NOT RETURN THIS NOTICE, KEEP IT IN A SAFE PLACE
9000 / 8.0.0
General Conditions These General Conditions form part of and should be read with the other part of this Agreement.
1. Your Right to Withdraw 5.4 You have the right to end this Agreement. If you wish to do so you should let
1.1 You may withdraw from this Agreement within a period of 15 days of receipt us know. The outstanding balance of the Policy premium must be settled in order
of your Credit Agreement. If you would like to withdraw from this Agreement for your insurance cover to continue under the Policy. We will calculate the rebate
please call us on 0345 877 6680 or write to us at the address shown on your of the pro rata charge for credit as set out above.
documents. Please note that if you withdraw from this Agreement, you will need 5.5 If we terminate the Agreement the termination procedure commences with
to arrange for payment of the outstanding Policy premium. Details of how to a written notice to you from us setting out the reason for termination. The total
cancel your insurance policy can be found in your insurance policy booklet. amount outstanding for your insurance less any rebate and any amounts already
1.2 If you withdraw from this Agreement, you will still have to repay any money paid under the Agreement will be stated and you will be expected to pay this
lent to you within 30 days from when you give notice of withdrawal. If you do this amount within 14 days. If you do not pay the amount outstanding your insurance
within the 30 day period, you will not have to pay interest. and the contracts for any ancillary services which were paid for with the credit
1.3 If you do not exercise this withdrawal right, the Agreement entered into provided will be cancelled. Any refund, rebate or other sum payable to you on
between you and us will continue to be binding on you. cancellation of the insurance or any ancillary services shall be used to reduce your
liability to the company under this Agreement.
2. Total Charge for Credit and Total Amount Payable 5.6 If your insurance is cancelled in accordance with the terms of your insurance
2.1 For the purposes of calculating the Total Charge for Credit and the Total policy a balance may be due to us which is payable upon demand. If a claim has
Amount Payable we have assumed the Annual Rate of Interest remains arisen in the current period of insurance cover then the balance of the year's
unchanged throughout the Term. premium shall become immediately payable.
2.2 The Total Amount Payable is set out in section E of this Agreement. 5.7 If you fail to make an instalment within one month of its due date, we have
3. Repayments the right to cancel the Policy with immediate effect.
3.1 Instalments are due as described in section G of this Agreement. 6. Our right of set off
3.2 You agree to pay the Instalments to us by Direct Debit in full and on the due If your insurance is cancelled in accordance with the terms of your insurance
dates. If you fall behind with the payment of instalments, or fail to notify us of a policy and you have made a claim, or one has been made against you before the
change in your bank /building society account, or your Direct Debit Instruction is date that we cancel the policy, you must pay to us (1) all instalments that have
cancelled, we have the right to require you to pay the total balance outstanding, already fallen due under this Agreement and remain unpaid, and (2) the total
and all future instalments, fees and charges together with any interest and remaining balance under this Agreement (less any applicable rebate). If we agree
Charges on Default payable under this Agreement immediately on demand, and to pay your claim and you have not paid the amounts due to us under (1) and (2)
to end the Agreement, following the procedure set out in clause 5 below. above, we may reduce the amount that we pay in settlement of your claim by the
3.3 You agree to pay to us the Instalments due and (if there is any breach of this amount that you owe us.
Agreement) the Charges on Default. Interest shall be charged both before and
after any demand, court decree or judgment. 7. Changes to the Policy
3.4 You authorise us to debit the Instalments and (if applicable) the Charges on The word Insurance includes any amendments which we may make at your
Default by the payment method set out in Clause 3.2 above. request. This Agreement is variable to the extent of those modifications. If you
ask us to change your insurance (for example, you need increased cover), and we
4. Allocation of Payments agree to this, we have the power under this Agreement to change the instalments
Any payments you make are allocated as follows: to reflect that change. We will tell you about the change before it takes effect.
(i) to pay off any arrears; If you do not want to accept the change at that time, then you can cancel this
(ii) to pay the Instalment expected to be made at the time the payment is Agreement by paying the outstanding balance of the premium (including the
received; increased premium if appropriate).
(iii) to pay any interest on arrears; and 8. Notifying us of changes in your details
(iv) to pay any costs, expenses and charges due. You must notify us within 14 days if you change your address or your account
5. Default and Termination details.
5.1 It is essential that you make all payments due to us as set out in Clause 3 9. Transferring Debts
above. If you fail to make payments to us as they fall due, or if we have been We may allow another person to take over any of our rights and duties under
unable to collect the instalment payment(s) due under this Agreement on the this Agreement and you authorise us to give that person any financial or other
date(s) due, we will write to you in order to give you the opportunity to make the information about you. Your rights under this Agreement will not be affected.
payment(s).
5.2 If you then fail to make the payments due to us within the time stated, we 10. General
have the right: 10.1 If we do not enforce any condition of this Agreement or we delay in
enforcing the condition, this will not prevent us from enforcing the condition at a
(i) to require you to pay the total balance outstanding, and all future instalments,
later date.
fees and charges together with any interest and Charges on Default payable
10.2 It is possible that other taxes or costs not imposed by us may apply to this
under this Agreement immediately on demand; and/or
Agreement.
(ii) to end the Agreement;
10.3 English law applies to this Agreement and courts in England or Wales may
after the expiry of any notice that we are required by law to give you. deal with disputes in connection with this Agreement unless you live in Scotland
5.3 We may also end the Credit Agreement after giving you any written notice where Scottish law will apply and Scottish courts may deal with disputes in
required by law, if: connection with this Agreement. We have supplied this Agreement and other
(i) you commit an act of bankruptcy (such as failing to pay a debt as ordered by a information to you in English and we will continue to communicate with you in
court); English.
(ii) any information about you which you provided proves incomplete or 10.4 If you are not satisfied with our service in providing the Loan we have a
inaccurate; complaint handling procedure that you can use to resolve such matters. You can
(iii) any other circumstances arise which may reasonably lead us to believe that get more information and details of the procedures from our address quoted
your obligations will not be met; on the Agreement or by phoning us. U K Insurance Limited is covered by The
Financial Ombudsman Service. If you are still not satisfied after following these
(iv) the Direct Debit is cancelled or not maintained in accordance with the
procedures, you can ask the Ombudsman to review the complaint. Alternatively
provisions of clause 3;
you can write to Financial Ombudsman Service, Exchange Tower, London E14 9SR
(v) you fail to comply with any provision of this Agreement; or
or telephone 0300 123 9123 or 0800 023 4567.
(vi) you break the terms of the insurance policy then subject to service of any 10.5 We are licensed by Financial Conduct Authority, 12 Endeavour Square,
default notices and/or the obtaining of any court order required by law we shall be London E20 1JN to carry on consumer credit business.
entitled after the expiry of proper notice to demand immediate payment of the 10.6 If you have a complaint relating to this Agreement you should refer to the
total balance outstanding plus interest and Charges on Default "How to Complain" section of your insurance policy booklet.
Motor Certificate | Policyholder Gheorghe Anca | Policy number 5019775963 | Date 12 April 2023
Certificate of motor insurance

Certificate number 5019775963
Registration mark of vehicle GJ09OFL
Also any motor car supplied to the policyholder under an agreement between Churchill Insurance and an approved repairer or hire company as a
direct result of loss or damage covered by this policy, unless cover is provided by the repairer's or hire company's own insurance policy.
Name of Policyholder Mr Gheorghe Anca
Effective date of the 13 April 2023 at 00:00
commencement of insurance for
the purposes of the relevant law
Date of expiry of insurance 12 April 2024 at 23:59
Persons or classes of person The Policyholder (Main Driver)
entitled to drive
Gheorghe Anca may also drive with the owner's permission a motor car not owned by them and that is not
Provided that the person driving
a hire, rental or courtesy car, unless we have provided or arranged it; and not hired or leased to them under a
holds a licence to drive such a
motor car or has held and is hire purchase or annual leasing agreement.
not disqualified for holding or
obtaining such a licence or is not
breaking the conditions of their
driving licence
Limitations as to use This policy covers:
Social, domestic and pleasure purposes including travelling to and from a permanent place of work.
Use by the Policyholder (in person) in connection with the Policyholder's business.
This policy doesn't cover:

Use for competitions, rallies, trials, track days or 4x4 off road events.
Use for hire and reward.
Use for any purpose in connection with the motor trade.
Use to secure the release of a motor car, other than the vehicle identified above by its registration mark,
which has been seized by, or on behalf of, any government or public authority.
Certification I hereby certify that the Policy to which this Certificate relates satisfies the requirements of the relevant law
applicable in Great Britain and Northern Ireland, the Isle of Man, the Island of Guernsey, the Island of Jersey
and the Island of Alderney.
Penny James, Chief Executive, Authorised insurers U K Insurance Limited

Advice to third parties: Nothing in this Certificate affects your right as a third party to make a claim.
For full details of the insurance cover reference should be made to the policy.
Driving other cars Please remember that cover for driving other cars is for Gheorghe Anca only and is limited to Third Party cover.
This means they're not covered for fire, theft or accidental damage to the car they're driving.
Windscreen repair and If you use an approved windscreen supplier and show them this Certificate, you'll only have to pay an excess
replacement - call our of £10 for a windscreen repair, or £75 for a windscreen replacement.
glass hotline on
0800 328 9150 If you use a different supplier, we'll only pay £40 towards a windscreen repair and £125 towards a
replacement after deducting the relevant excess above.
9006 / 17.0.0
Motor Insurance Cover
Insurance Product Information Document
Company: U K Insurance Limited | Product: Comprehensive Plus Car Insurance
Registered Insurance Undertaking in England and Wales. Authorised by the Prudential Regulation Authority and regulated by the
Financial Conduct Authority and the Prudential Regulation Authority under registration number 202810.
This document is only intended to provide a summary of the main cover and exclusions and is not personalised to you. Your own specific
policy details, including complete pre-contractual and contractual information will be confirmed as you go through the application to buy and
will be in other documents sent to you.
What is this type of insurance?

This product meets the demands and needs of those who wish to ensure that any damage to their car is covered in the event of an accident,
fire or theft. You're also covered for claims made against you by other people for injury or damage to their property.
Any repairs for damage covered by this policy that are carried out by an approved repairer will be guaranteed for 5 years.
What is insured? What is not insured?

Cover for claims from other people for injury, Loss or damage caused by general wear and
or damage to their vehicle or property tear or depreciation
Cover up to the market value of your car if it Theft or attempted theft if your car is left
is stolen or damaged unlocked, left with keys/key fob in or on
Cover for windscreen repair and your car, left with engine running or left with
replacements window or roof open
Personal Belongings up to £500 Use of your car by someone who's not

insured on your policy, or by someone who's
Personal Accident cover up to £10,000 disqualified from driving
Hotel expenses up to £300 in total for all Use of your car for any other purpose than
people in your car what is stated on your policy documents
Medical expenses up to £400 per person Deliberate damage to your car caused by
Replacement child car seats anyone insured on your policy
New Car Replacement if your car is less than

24 months old and written off or stolen and
not recovered Are there any restrictions on cover?
Unlimited cover for permanently fitted in-car An excess may be payable and amounts can
audio that is stolen or damaged (£2,000 if not differ by claim type. The excess payable could
permanently fitted) include a voluntary excess you chose
Guaranteed Hire Car Plus - Provides a similar Repairs carried out at an approved repairer are
sized car to yours after a claim for the full guaranteed for 5 years unless you sell your car
duration of repairs if you use an approved Driving Other Cars - If permitted (see your
repairer (up to 21 days if total loss or non- certificate of insurance), the Main Driver can
approved repairer) drive with the owner’s permission on a third
Motor Legal Cover - up to £100,000 to cover party liability cover only basis, another car that
legal costs following an accident involving is not: owned or leased by them; hired to them
your car where you are not to blame and under a hire-purchase or leasing agreement; or
there is a better than 50% chance of success a hire, rental or courtesy car, unless we have
Foreign Use - upgraded cover whilst driving provided or arranged it
abroad for up to 90 days per policy year. See If you do not use our approved windscreen
'Where am I covered?' overleaf for further supplier, there is a limit to the amount we will
details pay for windscreen replacement or repair
Continued on the back

What is insured? Are there any restrictions on cover?
Vandalism Promise - if you make a claim for Vandalism promise - You need to report
damage to your car which is caused by a the incident to the police, provide the crime
malicious and deliberate act not by another reference number and pay the unattended car
vehicle, the No Claim Discount won't be excess
affected Uninsured Driver Promise - You need to
Uninsured Driver Promise - if your car is hit by provide the registration number and the make
an uninsured driver, we'll cover your excess and model of the vehicle that hit your car
and the No Claim Discount won't be affected New Car Replacement - you must be the first
Optional Covers (available at an additional cost) and only registered keeper of your car
. Protected No Claim Discount - Subject to eligibility Guaranteed Hire Car Plus is not provided
criteria, the No Claim Discount will not be affected in the event of windscreen or glass only
by two claims arising in the three preceding years of claims. Guaranteed Hire Car Plus is subject to
insurance availability
Where am I covered?
You are covered in Great Britain, Northern Ireland, the Republic of Ireland, the Isle of Man and the Channel Islands
You also have Foreign Use Extension cover for your car in some other countries for up to 90 days per policy year. Please see
the 'Where you can drive' section of your car insurance policy booklet for details of the countries where you are covered and
the cover that you have
Guaranteed Hire Car Plus - you are only covered for use in Great Britain, Northern Ireland, the Isle of Man and the Channel
Islands
What are my obligations?

. Check all documents are correct and ensure all information given to us is correct to the best of your knowledge
. Update us if there are changes to the information provided
. In the event of a claim you must inform us as soon as possible and you must give us any information and help we need
When and how do I pay?

If eligible, you will have an option to pay either annually by Direct Debit, credit or debit card, or by monthly instalments on a date
selected by you.
When does the cover start and end?

Your cover will start on the date you have selected and will end 12 months later. At this time we will reassess your policy and
this may result in the premium going up or down.
How do I cancel the contract?

You can cancel at any time by telephone or in writing - we'll let you know of any conditions that apply before you buy.
B4C CH M COMP+ IPID 1122

Thanks For Choosing Churchill: Need To Claim? Can We Help?

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Thanks for choosing Churchill An overview

What you need to do now Your cover

What happens next

Continues on next page >

How we worked out your premium and payments

Comprehensive Plus cover £1,378.35 Your offers

Charge for credit £137.80

Total amount left to pay by monthly Direct Debit £1,286.50

Car insurance details

Your car Your insurance continued

> See your policy booklet for full details.

Start and end date 13 April 2023 at 00:00 to 12 April 2024

Cover Comprehensive Plus - which includes:

Your insurance continued About the Policyholder continued

My Account email george.anca89@icloud.com Section 1: Liability

Employment status Employed full time Injuries to other people Unlimited

Home owner No Fire damage to your car Market Value

Cover Limit Cover Limit

Accidental damage to your car Market Value up to £500 per claim

Child car seat replacement Unlimited Additional charges

Your Direct Debit by Churchill Insurance or your

> If you receive a refund you are

How often we'll take your Monthly

Amount and date of first £128.65 on 15 May 2023

Amount and date of £128.65 on 13th of every month.

We'll take your Direct Debits using these details:

Service user number 290695

Your Loan Explained

2. How much it will cost me?

Are you sure you can afford the monthly repayments?

Pre-Contract Credit Information

Address The Wharf, Neville Street, Leeds, LS1 4AZ

2 Key features of the credit product

The total amount of credit The sum of £1,148.70

Cash price Annual Premium: £1,378.35

Annual Percentage Rate of Charge (APR) 28.40%

4 Other important legal aspects

5 Additional information in the case of distance marketing of financial services

(a) concerning the creditor

(b) concerning the credit agreement

(c) concerning redress

Fixed Sum Credit Agreement

Certificate of motor insurance

This policy doesn't cover:

Penny James, Chief Executive, Authorised insurers U K Insurance Limited

What is this type of insurance?

What is insured? What is not insured?

Personal Belongings up to £500 Use of your car by someone who's not

New Car Replacement if your car is less than

Continued on the back

What are my obligations?

When and how do I pay?

When does the cover start and end?

How do I cancel the contract?

B4C CH M COMP+ IPID 1122

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