Pre-Contract Credit Information

1. Contact details

Creditor EUI Limited (trading as Admiral Insurance).

Address Ty Admiral, David Street, Cardiff, CF10 2AA.

2. Key features of the credit product

The type of credit Fixed sum credit to finance payment of insurance policy and policy upgrades by instal-
ment.
How and when credit would be EUI Limited will arrange an insurance policy on the date the credit facility is accepted
provided and will collect payments by instalments.
The duration of the The duration of the agreement is 366 days.
Credit Agreement
Repayments Your initial payment of £88.84 is due on 17/12/2023, followed by 11 instalments of
£174.97 from 17/01/2024 totalling £1,924.67 due on the 17th of each month by Direct
Debit.
Insurance Premium £1,645.22 Windscreen Cover Included
Insurance Premium Tax £197.43
Insurance Premium Tax £0.00
(Policy Upgrades)

Total amount of Credit/Cash

£1,842.65
Price
Cost of Credit £170.86

The total amount you will have to £2,013.51

pay (This means the amount you have borrowed plus interest and any costs.)

3. Costs of the credit

The borrowing rate(s) which apply The borrowing rate is 11.9% of the credit amount provided.
to the Credit Agreement

Annual Percentage Rate of 20.70% APR

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.
Related Costs
Costs in the case of late pay- EUI Limited will charge £7.50 for rejected Direct Debit instalments. If we have to cancel
ments your policy then costs may be payable as described in the next section below.
Consequences of missing pay- If you fail to make your payment, EUI Limited will send you a default notice. This will
ments ask you to pay the full balance, or your policy will be cancelled. If EUI Limited needs to
cancel your policy we will apply a £60.00 administration charge.
If you do not pay the outstanding balance after your policy is cancelled, EUI Limited will
apply an extra Debt administration charge of £15.00 and a Debt Recovery services re-
ferral fee of £30.00 to cover the administration cost of referring your outstanding bal-
ance to a debt collection agency. The debt collection agency reserves the right to adopt
legal proceedings to recover the debt which may add further charges.
EUI Limited reserves the right to refuse future credit to a borrower who has a poor re-
payment record.
Defaults may be reported to credit reference agencies, which may make credit harder
to obtain in the future.

Registered in England and Wales as EUI Limited Reg. No. 2686904 Registered Address: Ty Admi-
ral, David Street, Cardiff, CF10 2EH. Authorised and regulated by the Financial Conduct Authority (309378)
 4. Other important legal aspects
Right of withdrawal
Early repayment
Consultation with a Credit Ref-
erence Agency
Right to a draft Credit Agree-
ment
5. Additional information in the case of distance marketing of financial services
(a) concerning the creditor
Registration number
The supervisory authority
(b) concerning the Credit Agreement
The right to cancel the Credit
Agreement
The law taken by the creditor
as a basis for the establish-
ment of relations with you be-
fore the conclusion of the cred-
it contract
The law applicable to your
Credit Agreement and/or the
competent court
Language to be used in con-
nection with your agreement
(c) concerning redress
Access to out-of-court com-
plaint and redress mechanism
You have the right to bring this Agreement to an end at any time by paying us the out-
standing balance plus all future payments which would otherwise fall due less a rebate
calculated under regulations made under the Consumer Credit Act 1974. You can also
make partial early repayment at any time by notifying us.
You have the right to repay the credit in full or partially at any time.
EUI Limited uses a complex scoring model in order to make decisions on who will be
granted the right to pay by instalments. If EUI Limited decides not to proceed with a
prospective regulated Credit Agreement on the basis of information received from a cred-
it reference agency it must, when informing you of that decision, inform you it has been
reached on the basis of information from a credit reference agency and of the particulars
of that agency.
The borrower has the right, upon request, to obtain a copy of the draft Credit Agreement
free of charge.
Consumer Credit Licence number EUI 309378
Financial Conduct Authority
You may cancel the insurance policy at any time by contacting EUI Limited.
If the borrowers' address is in Scotland, Scottish law applies. If the borrower lives else-
where, English law applies.
If the borrower's address is in Scotland, Scottish law will apply to the agreement. If the
borrower lives elsewhere, English law will apply to the agreement.
English
If you wish to make a complaint you should contact the Quality Manager, EUI Limited, Ty
Admiral, David Street, Cardiff, CF10 2AA. If EUI Limited have given you its final response
and you are still unhappy, or more than 8 weeks have passed since EUI Limited received
your original complaint, you may refer your complaint to the Financial Ombudsman Ser-
vice (FOS). Their details are as follows: The Financial Ombudsman Service, Exchange
Tower, London, E14 9SR. Tel: 0800 023 4567 (from a fixed line) or 0300 123 9123 (from a
mobile). Email: complaint.info@financial-ombudsman.org.uk.