Prudential Breakdown Services

Prudential Breakdown ServicesYour Policy Document

Welcome to Prudential BreakdownServicesDear CustomerPrudential has joined forces with GreenFlag. We will do Our best to make surethat buying breakdown services from Us isas easy and trouble-free as possible.Green Flag will be there to help You 24hours a day, 365 days a year. All it takes isone call to their National Control Centre.A rapid-response pledge Green Flagpromises to reach You within the hour.In fact they are so confident of their fast,reliable service that if they don’t make it,You can claim £10 from them!Nationwide cover Green Flag uses anationwide network of thousands ofbreakdown specialists. So wherever Youare, help is always near You.We make every effort to meet the highstandards that You expect. If You ever feelthat the service provided falls short of Yourexpectations, please write toCustomer Relations,Prudential Breakdown Services,Churchill Court,Westmoreland Road,Bromley,BR1 1DPOn behalf of the companyPaul GeddesChief ExecutivePrudential Breakdown Services 2

Easy indexBreakdownWhat do I do if my Vehicle breaks down? Page 17Phone (UK) 0800 032 4166(Europe) 00800 4000 6000CancellationHow can I cancel my policy? Page 16Caravans and trailersAre they covered? Page 7ChangesWhat do I do if I change my Vehicle?Phone 0845 605 9264ComplaintsWhat do I do if I have a complaint? Page 16CoverWhich breakdown service do I have?See Your Breakdown cover ScheduleWhat cover does this provide? Page 4Lost or broken keysPhone (UK) 0800 032 4166(Europe) 00800 4000 6000Travelling abroadAm I covered while driving my Vehicle abroad? Page 4What am I covered for when I travel abroad? Pages 9-113 Prudential Breakdown Services

Our breakdown servicesTogether with Green Flag We havedesigned a choice of breakdown coveroptions.If Your circumstances are about to change,or You have changed Your Vehicle, You maywant to upgrade Your cover. The summarybelow will help You choose.Personal CoverYou can extend Your normal level of coverto any Vehicle You drive or travel in.Yourhusband or wife, or Partner, will also becovered free of charge.For a quotation to upgrade Your cover,please call Us on 0845 605 9264Free route-planning serviceWe provide a free route-planning service nomatter what level of breakdown service Youhave chosen. Simply visit www.greenflag.comto use Our on-line route-planning service.Tracker Traffic & Travel Line fromGreen FlagAvoid delays with Our Tracker Traffic &Travel Line on 600 10 from Your mobile or090 600 600 10 from a landline:- For thelatest traffic reports on specific motorwaysor A-roads of Your choice and trafficup-dates and Weather in Your region (Callscharged at 60p per minute).PARS PHRS PRS PHS PBSRound-the-clock garage calloutUp to one hour free labour for roadside repairsFree recovery service to a repairer where necessaryCover for Your caravan or trailerHelp to arrange for You to finish Your journeyCover for anyone using Your Vehicle with Your permissionTransport of You and Your Vehicle to Your destination in the UKUse of a hire car or hotel accommodationService to Your door if Your Vehicle breaks down at HomeEuropean coverPrudential Breakdown Services 4

Your policyYour breakdown policy cover is providedby Green Flag Breakdown Service. GreenFlag Breakdown Service is underwritten byU K Insurance Limited, who are authorisedand regulated by the Financial ServicesAuthority. U K Insurance Limited is theinsurer of Your breakdown policy and isauthorised and regulated by the FinancialServices Authority.Your breakdown policy is made up of:> this policy booklet; and> Your car insurance schedule(showing the breakdown service Youhave chosen).Any advice, leaflets or similar literature Youreceive about breakdown do not form partof Your policy.If You pay and Your Premium is accepted,Green Flag Breakdown services will beprovided under the terms of this policyduring the Period of Cover. Prudential willshare any information that You supply withGreen Flag so they can check Your coverand provide service.You and Green Flag can choose the lawwhich applies to this contract. Unless Youand Green Flag agree otherwise, English lawwill apply.This booklet gives You details of theconditions of the breakdown policy coverYou have chosen.Please read Your breakdown policy carefullyand keep it in a safe place. If the cover doesnot meet Your needs, please call Prudentialimmediately on 0845 605 9264.Or, please return all documents within 14days of receiving them to the followingaddress: Prudential Rescue Services, TheWharf, Neville Street, Leeds, LS1 4AZ.Prudential will then arrange for YourPremium to be returned in full as long asYou have not made any claims during thattime.DefinitionsWherever the following words and phrasesappear in the rest of this policy booklet theywill have the meaning given here unless Wesay different.Home - the last address You told Prudentialabout as Your Home or, if different, theplace where You normally keep the Vehicle.Incident - when the Vehicle cannot bedriven as a result of breakdown, accident(but not a road traffic accident), theft orattempted theft, malicious damage, fire orattempted fire, flat tyre, lack of fuel, flatbattery, or lost or broken car keys.5 Prudential Breakdown Services

Insured Person or People - You and anyother person or people who, at the timeof the Incident, are driving or riding as apassenger or passengers in the Vehicle withYour permission.Partner - someone You live with as if Youare married.Period of Cover - if You have taken outcover at the same time as a Prudential carinsurance policy, cover will start at the sametime that Your car insurance policy starts. Inall other cases, cover will start at 12:01amthe following day. Cover will end on thedate shown on Your Breakdown coverSchedule.Premium - the amount of money You mustpay for Your cover.Strike - any form of industrial action takenby workers, carried out to prevent, restrictor otherwise interfere with producing goodsor providing services.United Kingdom (UK) - England, Scotland,Wales, Northern Ireland, the Isle of Manand the Channel Islands.Vehicle - any Vehicle We have agreedto cover and which meets the Vehiclespecifications described in general condition5 (see page 13 for general conditions).We, Us, Our - U K Insurance Limited, theinsurer of this policy. This includes Ouragents and service providers. U K InsuranceLimited, registered office: The Wharf,Neville Street, Leeds LS1 4AZ. Registered inEngland and Wales number: 1179980.You or Your - the person named as thepolicyholder in Your Breakdown coverSchedule.Section A - Prudential BreakdownService (PBS)If Your Vehicle has been in an Incident in theUK, which happens at least 1/4 mile fromYour Home, We will arrange the following.Roadside assistanceWe will arrange for help by the roadsideand, if necessary, transport to take YourVehicle and any insured people to:> a single destination You choosewithin 10 miles of the Incident; or> a repairer within 10 miles of theIncident.If necessary, We will also pass on up tothree phone messages to family members,friends or business associates to let themknow about Your travel delays.We will provide these services, free ofcharge, including callout and up to 60minutes’ labour for this roadside assistance.Prudential Breakdown Services 6

Caravan and trailer coverYour caravan or trailer will have the samecover as Your Vehicle when You are towingthem using Your Vehicle as long as the caravanor trailer:> fits a standard 50 millimetre tow ball;> does not exceed (including any loadcarried) the following gross vehicleweight: 3.5 tonnes and externaldimensions: 7 metres in length(excluding any coupling device and towbar), 3 metres in height and 2.3 metresin width;> does not Weigh more than the kerbWeight of Your Vehicle when loaded; and> is made by a company specialising inmaking caravans or trailers.Finishing Your journeyIf, following an Incident, You need help toreturn Home or complete a journey withinthe United Kingdom, We will arrange for thefollowing, if available.> For You and any insured people tocontinue Your journey.> Overnight hotel accommodation.> To hire a replacement Vehicle.You must pay any costs involved.Section B - Prudential HomecallService (PHS)PHS includes all the benefits of Section A,plus the following.If Your Vehicle has been in an Incident inthe UK, which happens within 1/4 mile ofYour Home, We will arrange the following.Home rescueIf necessary, We will transport the Vehicleand insured people to:> a single destination You choosewithin 10 miles of the Incident; or> a repairer within 10 miles of theIncident.We will provide these services, free ofcharge, including callout and up to 60minutes’ labour.Section C - Prudential Rescue Service(PRS)PRS includes all the benefits of Section A,plus the following.If Your Vehicle has been in an Incident in theUK, which happens at least 1/4 mile fromYour Home, We will arrange the following.National recoveryIf it is clear that repairs cannot be carriedout by Our service provider or the nearestsuitable repairer by the end of the normalworking day when the Incident takes place,7 Prudential Breakdown Services

the insured people while the Vehicleis being repaired up to £45 a day foreach person for up to five days.- Up to £750 towards the cost of hiringanother Vehicle while Your Vehiclecannot be used.> Returning Your Vehicle to the UnitedKingdom - If Your Vehicle is repairedbefore You are due to return to the forreturning Your Vehicle to the UnitedKingdom at Your own cost and for allother costs involved.If Your Vehicle cannot be repaired before Youare due to return to the United Kingdom, or theVehicle is stolen outside the United Kingdomand not recovered until after You have returnedto the United Kingdom, We will choose andpay for one or both of the following.- The reasonable cost of taking the insuredpeople and their luggage to Your Homein the United Kingdom by a route andmethod We choose. We will also pay forthe Vehicle to be taken to Your Home orto an appropriate repairer You choose inthe United Kingdom.- If You have to leave the Vehicleabroad, We will pay the cost of onestandard-class single ticket by rail or sea(or by air if the train or boat journey wouldbe longer than 12 hours) for You or a driverYou choose to collect the Vehicle. Wewill decide which form of transport Youwill use. We will also pay any necessaryand reasonable expenses on the outwardjourney for one person collecting theVehicle, including accommodation andGreen Card charges.We will pay any necessary charges, upto £100, for storing the Vehicle abroadbefore it is repaired, sent Home or legallyabandoned.The most We will pay to get Your VehicleHome will be its current market value in theUnited Kingdom.You must use any travel tickets You have notused to get Your Vehicle back Home before Wewill provide any alternatives under this section.> Providing a chauffeur to return YouHome - If there is an accidental injury,sudden illness or death which meansthat there is no insured person with theVehicle at the time who can drive, Wewill pay for a qualified person to drivethe Vehicle and insured people back toYour Home in the United Kingdom. Wewill need to see all medical and otherevidence. We will not pay the cost ofany fuel used or road tolls.> Delivering spare parts - If We cannotget hold of the spare parts locally torepair the Vehicle following an Incident,We will arrange to have them deliveredto You as quickly as possible.We will not be responsible for providing thespare parts if the spare parts:Prudential Breakdown Services 10

- are no longer made;- cannot be bought from awholesaler or agent; or- cannot be exported to the countrywhere Your Vehicle is.We will only pay the cost of transportingspare parts. You must pay the actual cost ofthe spare parts and any customs duty. If Wehave paid these costs on Your behalf, Youwill need to refund Us within one month.You must also pay for the labour involved inrepairing Your Vehicle.> Legal defence expenses - As long asYou let Us know within 28 days ofreceiving a summons from a countryin the geographical limits, We willpay up to £10,000 of the legal costsYou have to pay to defend yourselfin a court insidethe geographicallimits against an allegedmotoringoffence involving Your Vehicleduring a trip.We will not cover:- alleged speeding offences, whenno other offence is involved;- defending an alleged offencewhere there is no reasonablechance of affecting the outcome ofthe prosecution;- costs or expenses You agree towithout getting Our authorisation;- Your travelling and living expenses; or- fines awarded against You.> Bail - We can provide up to £4,000to allow You or the insured personto provide bail or security to releaseYou from custody.You must pay thisback to Us within three months.How to claimIf You want to make a claim under theEuropean Section, You will need a claimform. Please write to:European Claims DepartmentGreen FlagLeedsLS28 5GF.Or, phone 0113 236 3236 and ask for theEuropean Claims Department.Once You have filled in the form, Youshould return it to the address above.Personal CoverPersonal Cover applies if it is shown on YourBreakdown cover Schedule.As Well as the cover We have alreadydescribed for Your Vehicle, You (and Yourhusband or wife, or Partner) will be entitledto the same level of cover when You aretravelling in the UK in any other Vehiclewhich is less than 16 years old. (The Vehiclemust not fall within one of the exclusions11 Prudential Breakdown Services

of this policy and must keep to the policyconditions.)If Your breakdown policy covers more thanone Vehicle, the highest level of cover Youhave paid for will apply for the purpose ofPersonal Cover.No Callout DiscountIf You do not call out Green Flag duringthe Period of Cover, We will reduce Yourrenewal Premium according to the scalethat applies at the time. Each time You callout Green Flag, Your No Callout Discountwill be reduced by one year.If You reach the maximum level of discount,You can make one callout in a three-yearperiod without Your No Callout Discountbeing reduced. For each extra callout Youmake, Your discount will reduce byone year.General exclusions which applyto this policyWe will not provide any cover for thefollowing.1 Vehicles used for hire or reward,including taxis, or for carrying goods forreward.2 Vehicles which are temporarily stuckdue to floods or snow-affected roads oras a result of being totally or partly stuckin water, snow, sand or mud.3 Vehicles parked off the public roadwhich cannot be driven because of thenature of the surface on which theystand, for example, sand, mud, gravel,turf or grass.4 Vehicles used for, or involved in, motorracing, off-road use (away from publicroads and over rough terrain), rallies,speed or duration tests, or practising forthese events.5 The cost of any parts, lubricants, fluidsor fuel.6 Losses that are not directly associatedwith the incident that caused you toclaim. For example, loss of earningsdue to being unable to return to workfollowing an insured incident, or lossesarising from a delay in providing theservice to which this cover relates.7 Any Incident while Your Vehicle istowing or carrying more Weight orpeople than it is designed for - as shownin the manufacturer’s details.8 Any expenses which You would havehad normally in the course of Yourjourney.9 Any Incident which is:- the result of an inadequate repair orattempted repair carried out duringthe course of the same journey,unless the repair has Our approvalbeforehand;Prudential Breakdown Services 12

- the result of You failing to correct amechanical or electrical fault that Weor Our agent told You about when Weresponded to a claim under the cover; or- the third claim You make against theservice during any three-month periodwhich arises from a commonidentified fault.10 Any deliberate damage to Your Vehiclecaused by an insured person.11 Loss or damage directly or indirectlycaused by Strike, war, riot, terrorism,civil unrest or any other similar event(whether war is declared or not).12 Loss, expense or legal liabilitycaused by:- ionising radiation or radioactivecontamination from nuclear fuel ornuclear waste.- the radioactive, toxic, explosive orother dangerous properties of nuclearequipment; or- pressure waves from an aircraft orother flying object travelling at orbeyond the speed of sound.13 Vehicles that have broken down orwhich Were not roadworthy when Youtook cover out.14 Damage or costs as a result ofbreaking into Your Vehicle becauseYour keys have been lost or stolen.15 Any damage to, or theft of, objectsor accessories left in or outside YourVehicle after the Incident.16 Loss of or damage to Your Vehicle whileit is being transported by sea or rail(unless the loss or damage is Our fault).17 If the law of any country means thatWe have to make a payment whichWe would not otherwise have paid,You must pay that amount back to Uswhen We ask.18 Any claim as a result of an agreementor contract unless We would havebeen responsible anyway if theagreement or contract did not exist.General conditions which apply tothis policy1 If You need help, You must contactOur National Control Centre.Youmust not contact any garage recoveryoperator direct.2 If You give Us incorrect informationwhen You phone for help, You mayhave to pay all reasonable costscaused by the incorrect information.3 You must tell Us, as soon as possible,about any Incident which could bringabout a claim under Your policy cover.You must give Us all the informationand help We need.13 Prudential Breakdown Services

4 When You ask for help, We will giveYou an estimated time when Ourrepair or recovery Vehicle will arrive.You and Your passengers must waitwith Your Vehicle until the repair orrecovery Vehicle arrives, unless Youhave made other arrangements withOur control centre.5 Cover is only available under thispolicy for a privately registered motorcar, motorcycle, light van, threewheeleror car-based van Weighingup to 3.5 tonnes when loaded.None of these must be more than7 metres long, 2.3 metres wide and3 metres high. Except for PersonalCover, all Vehicles must be kept at(and registered to) the policyholder’saddress. We also cover a standardcaravan or trailer which meets allrelevant rules and regulations shownunder ‘Caravan and trailer cover’(page 7) and was being towed by YourVehicle at the time of the Incident.6 You must have Our permission for anyexpenses which You claim for. Youmust keep all receipts.7 You must do all that You can and keepto all laws and codes so Your Vehicleis safe and fit to drive.8 You cannot use Your policy cover forroutine servicing or putting right failedrepairs, or as a way of avoidingrepair costs.9 If Your Vehicle needs to be moved orrecovered after an Incident, it mustbe in an easily accessible position forOur recovery Vehicle to load. If YourVehicle is in a position We cannotget to, or the wheels have beenremoved and We need to use specialistequipment (which is not normallycarried on a standard recovery Vehicle)to recover Your Vehicle, You willhave to pay the extra costs. This willinclude labour charges for the specialequipment to be transported to, andused at, the site of the Incident.10 You are responsible for the security ofthe contents of Your Vehicle, caravanor trailer.11 If You are covered by any otherinsurance for an Incident, We will onlypay Our share of the claim.You may have to give Us details of Yourinsurance company for this purpose.12 We can provide assistance after aroad traffic accident but You will beresponsible for any costs involved.You may be able to recover these costsfrom Your motor insurer.Prudential Breakdown Services 14

13 You are responsible for collecting YourVehicle from a repairer and any costswhich result from the work that hasbeen carried out.14 If We provide a service that We findYou Were not entitled to, You mayhave to pay for that service.15 We are not responsible for the actionsor costs of garages, recovery firms oremergency services acting on Yourinstructions or the instructions ofanyone acting for You. We will not beheld liable for these actions or costs.16 Following an Incident that thepolice or other emergency serviceattended, We will only transport theVehicle when they have given Uspermission to remove it. We will notbe responsible for any charges if thepolice or other emergency serviceinvolved insist on another breakdownprovider recovering the Vehicle.This does not apply to Section E.17 We cannot guarantee that hire carswill always be available or that ifavailable they will be fitted with aroof rack and towbar. The insuredperson must hold a valid drivinglicence to drive a hire car. You will beresponsible for the fuel used in thehire car and any tolls and all otherexpenses that You have to pay incontinuing Your trip. If We arrangea hire car, You must keep to theconditions of the hire company andpay any deposit the hire companyasks You for. You are notcovered for any lost deposit due todamage in the hire Vehicle or failure toreplace fuel.18 Nothing in this policy will excludeor restrict Our liability for a death orpersonal injury resulting fromOur negligence.19 We are entitled to take over Yourrights to defend or settle a claim orto take proceedings in Your name forOur benefit against another person.We will be able to decide how We goabout this.You must give Us all theinformation and help We may need.20 We may choose to repair the Vehicle(at Your cost) following a breakdown,rather than arranging for it tobe recovered.21 This contract is between You and Us.No-one else has any rights they canenforce under this contract exceptthose they have by law.22 You or any insured person must nothide or give false information to getcover or make a claim under thispolicy. If You or the insured person doso, We will not pay the claim and Wewill cancel Your policy.15 Prudential Breakdown Services

23 We can cancel Your policy by sendingYou seven days’ written notice to Yourlast known address. We will refundthe part of the Premium You have notused. You can cancel this insuranceby giving Us seven days’ notice. Wewill refund the part of the PremiumYou have not used, less a cancellationcharge of 25% of the yearly Premium.We will not refund any Premium if You:- cancel cover under Section E(Prudential Advanced RescueService); or- have made a callout during thePeriod of Cover.If the policy is cancelled, it will notaffect Your rights to any Incidentwhich happened while the policycover was in force.24 If You are paying by monthlyinstalments, the contract remains ayearly one.You must pay the full yearlyPremium if You cancel cover butmake a callout. If You are paying bymonthly instalments and miss apayment, We will cancel Your cover.25 We may automatically renew Yourpolicy cover on the renewal date.If We are going to do this, We willtell You before the date Your policyruns out and give You details of therenewal Premium. If You do not wantto renew Your policy cover, Youshould tell Us before therenewal date.26 You may only reduce cover whenYou next renew Your breakdowninsurance.27 If the recovery or repair Vehicle doesnot arrive within 60 minutes of Youcontacting Us, We will pay £10.To claim compensation You must either fillin a service questionnaire or write to Us.Important InformationHow to complainShould there ever be an occasion whereYou need to complain, please call Us on0870 024 0048.If You wish to write, then address Yourletter as follows:> Customer Relations Department,Prudential Breakdown Services,Churchill Court,Westmoreland Road,Bromley,BR1 1DPPrudential Breakdown Services 16

If We cannot resolve the differencesbetween Us, You may refer Yourcomplaint to the Financial OmbudsmanService (FOS). Their address is:South Quay Plaza,183 Marsh Wall,LondonE14 9SRtelephone 0845 080 1800.DeDetails about Our RegulatorU K Insurance Limited is authorisedand regulated by the Financial ServicesAuthority. The Financial Services Authoritywebsite which includes a register of allregulated firms can be visited atwww.fsa.gov.uk or the Financial ServicesAuthority can be contacted on0845 606 1234. U K Insurance Limited isentered in the FSA’s register undernumber 202810.Under the Financial Services and MarketsAct 2000, should the company be unableto meet all its liabilities to policyholders,compensation may be available. Insuranceadvising and arranging is covered for 90%of the claim without any upper limit. Forcompulsory classes of insurance, insuranceadvising and arranging is covered for100% of the claim, without any upperlimit. Information can be obtained onrequest, or by visiting the Financial ServicesCompensation Scheme www.fscs.org.uk.Statement of NeedsWe have not provided You with a personalrecommendation as to whether this policy issuitable for Your specific needs.What to do if Your Vehicle breaks downGreen Flag uses a nationwide network ofthousands of breakdown specialists. So helpis always near You.Green Flag will be there to help You 24hours a day, 365 days a year. It just takesone call to their National Control Centre.Green Flag are very confident of their fastand reliable service. If they do not arrivewithin one hour of Your call, You can claim£10 from them.If You have a breakdown or accident, followthese simple steps.> Try to leave Your Vehicle in a safeplace away from traffic.> Switch off the engine and put outany cigarettes.17 Prudential Breakdown Services

use Your hazard lights. Display a redtriangle if You have one.> Wait away from Your Vehicle andkeep clear of the carriageway orhard shoulder.> Find the nearest phone.If You’ve broken down in the UK, call GreenFlag on 0800 032 4166. (Minicom:0800 800 610 for people with hearingdifficulties.)If You’ve broken down in Europe, call GreenFlag’s European Control Centre on00800 4000 6000If You use an emergency roadsidetelephone in Europe, the police willusually answer Your call. They willarrange for a local recovery specialistto help You. You may have to pay forthis assistance on the spot. We willrefund the full cost, including roadsidelabour and towing charges. You mustkeep Your receipts and send them to Uswhen You return to the UK.Once You have been taken to a safe place,please call Green Flag if You need anyadvice or services such as a hire car.> A trained operator will record Yourname, Vehicle registration number,where Your Vehicle is, what theproblem is and a contact number ifYou have one.> Green Flag will contact the nearestavailable recovery specialist to helpYou.The operator will then tell Youwho will be coming and when Youcan expect them to arrive.Prudential Breakdown Services 18

Prudential Breakdown CoverInsurance Privacy NoticeAt Prudential Breakdown Cover we areaware of the trust you place in us when youbuy our products and our responsibility toprotect your information.This notice describes who we are, why weneed to collect your information and how wewill use it.We will tell you who we share yourinformation with and how we use it toimprove the service we provide to ourcustomers.1 – PrivacyWhy we need your informationWe will use your information to give youquotations and manage your insurancepolicy, including underwriting and claimshandling.Your information comprises of all the detailswe hold about you and your transactions andincludes information we obtain about youfrom third parties.We will only collect the information we needso that we can provide you with the serviceyou expect from us.From time to time we may need to changethe way we use your information. Where webelieve you may not reasonably expect sucha change we will write to you. When we doso, you will have 60 days to object to thechange but if we do not hear from you withinthat time you consent to that change.Who we will share your information withPrudential Breakdown Cover is underwrittenby U K Insurance Limited (UKI).During the course of our dealings withyou we may need to disclose some of yourinformation to other insurers, third partyunderwriters, reinsurers, credit referenceand fraud prevention and law preventionagencies and other companies that provideservice to us or you, to:> assess financial and insurance risks> recover debt> prevent and detect crime> develop our products, services,systems and relationships with you> understand our customers’requirements> rating and pricing.We do not disclose your information toanyone outside the Group except where:> we have your permission> we are required or permitted to do so bylaw> we may transfer rights and obligationsunder this agreement.19 Prudential Breakdown Services

Where we transfer your informationFrom time to time we may require servicesfrom suppliers that are based worldwide andyour information will be shared with themfor the purposes of providing that service.Where we engage these suppliers we makesure that they apply the same levels ofprotection, security and confidentiality weapply. However, such information may beaccessed by law enforcement agencies andother authorities to prevent and detect crimeand comply with legal obligations.Sensitive InformationSome of the personal information we ask youfor may be sensitive personal information,as defined by the Data Protection Act 1998(such as information about health or criminalconvictions). We will not use such sensitivepersonal data about you or others except forthe specific purpose for which you provide itand to provide the services described in yourpolicy documents.You will have been asked to agree to thiswhen you first contacted us but pleaseensure that you only provide us withsensitive information about other people withtheir agreement.Dealing with other peopleIt is our policy to deal with your spouse orpartner who calls us on your behalf, providedthey are named on the policy. If you wouldlike someone else to deal with your policyon your behalf on a regular basis please letus know. In some exceptional cases we mayalso deal with other people who call on yourbehalf, with your consent. If at any time youwould prefer us to deal only with you, pleaselet us know.Credit Reference AgenciesUKI carries out a consumer search whenany application for insurance is submitted.This is done using public data to evaluateinsurance risks and no financial information isreviewed as part of this process. There is novisible credit footprint and after 12 months isautomatically deleted.Keeping you informedFrom time to time we may contact you withspecial offers or suggest products which maybe of interest to you. If you would like not toreceive any of these updates you can ask usto stop at any time. You can do that by simplycalling our customers services departmentor by writing to the Data Protection Officerat Churchill Court, Westmoreland Road,Bromley BR1 1DP.Prudential Breakdown Services 20

Access to your informationYou have the right to see the information wehold about you. This is called Subject AccessRequest. If you would like a copy of yourinformation, please write to:The Data Protection Officer, Churchill Court,Westmoreland Road, Bromley BR1 1DPquoting your reference. A fee may be payable.2 - Fraud prevention and detectionPlease take time to read the following as itcontains important information relating tothe details you have given or should give tous. You should show this notice to anyonewhose data has been supplied to us inconnection with your policy.To prevent and detect fraud we may at anytime:Share information with other organisationsand public bodies including the policealthough we only do so in compliance withthe Data Protection Act 1998Check and/or file details with fraudprevention agencies and databases and if weare given false or inaccurate information andwe identify fraud, we will record this. We andother organisations may also use and searchthese agencies and databases from the UKand other countries to:> help make decisions about theprovision and administration ofinsurance, credit and related servicesfor you and members of yourhousehold:> trace debtors or beneficiaries, recoverdebt, prevent fraud, and to manageyour accounts or insurance policies; or> check your identity to prevent moneylaundering, unless you provideus with other satisfactory proof ofidentityLaw enforcement agencies may access anduse this information.We and other organisations may also accessand use this information to prevent fraud andmoney laundering, for example when:> Checking applications for, andmanaging credit and other facilitiesand recovering debt> Checking insurance proposals and claims;> Checking details of job applicants andemployees.We, and other organisations that may accessand use information recorded by fraudprevention agencies, may do so from othercountries.We can provide the names and addressesof the agencies we use if you would likea copy of your information held by them.Please contact us at, UKI, Churchill Court,Westmoreland Road, Bromley, BR1 1DPquoting your reference. The agencies maycharge a fee.21 Prudential Breakdown Services

Your Fixed Sum Credit AgreementYour right to cancel your creditagreementIf you have chosen to pay by instalments,you may cancel your credit agreementwithin 14 days of receiving it. If you wouldlike to cancel your credit agreement pleasecall us on 0845 605 9260 or write to us atthe address shown on your documents. Ifyou cancel your Agreement you will needto arrange for payment of any outstandingpolicy premium.You have the right to end the creditagreement at any time. If you wish to do soyou should let us know. If you do this anyoutstanding balance of the policy premiummust be settled in order for your insurancecover to continue under the policy.Other important information about yourcredit agreementIf you decide to cancel your policy, yourcredit agreement will automatically beterminated; any refunds will be paid prorata unless there is a claim, when the fullpremium will be due.We may terminate your credit agreementif you fail to pay any instalment by the duedate. For full details please see the terms ofyour Fixed Sum Credit Agreement.It is possible that other taxes or costs notimposed by us may apply to this Agreement.If you have a complaint about your creditagreement you should refer to the `how tocomplain’ section of this policy booklet.English law applies to your Agreement andcourts in England or Wales may deal withdisputes in connection with this Agreementunless you live in Scotland where Scottishlaw will apply and Scottish courts maydeal with disputes in connection withthis Agreement. We have supplied thisAgreement and other information to you inEnglish and we will continue to communicatewith you in English.Prudential Breakdown Services 22

Contact UsCustomer service 0845 605 9260Account queries 0845 605 9261Claims 0845 605 9263Legal advice 0845 246 356524hr Accident (UK) 0800 032 4161Autoglass 0800 328 9150www.pru.co.ukWe will also be happy to send you any of our brochures, lettersor statements in Braille, large print or audio, upon request.Prudential Breakdown Services is provided by Green Flag Breakdown Service and is underwritten by U K Insurance Limited, The Wharf,Neville Street, Leeds LS1 4AZ. Green Flag and U K Insurance Limited are both part of the same company. U K Insurance Limited areauthorised and regulated by the Financial Services Authority. Registered No. 1179980. Calls may be recorded.PRU RPB 0712