It's time to renew your Commercial Select insurance - Federation of ...

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Please read before your insurance renewal date Your insurance documents There are important documents in this pack that you should read. Please check these documents carefully and tell us, before your renewal date, if any of this information has changed. • Statement of insurance - this shows the information you've given us. • Insurance schedule - this shows the cover we're offering you. Your pack may also include: • Changes to your insurance - this document tells you about changes to standard cover, policy wording, terms and excesses since you last renewed. • Policy booklet - your most recent Policy booklet gives details of your cover. We will send you a new Policy booklet if we make significant changes. Changes to tell us about You need to tell us straight away about any changes that might affect your policy. We won't charge you any admin fees for changes but they might affect the premium or the insurance cover we offer when you renew. If you don't tell us about changes as soon as they happen, you might not be insured. These are examples of changes we need to know about: • Criminal convictions or ongoing criminal proceedings. • County Court Judgements (CCJs), any form of bankruptcy or statutory insolvency proceedings. • Change of business description or type of work and activities. • Change of type of goods sold, manufactured or repaired, or the process to do this. • Change of business to importing or exporting. • Extension or refurbishment of your premises or purchase of additional premises, or intent to do so. • Purchase of additional machinery or replacement of existing machinery. • Accidents, thefts or losses related to the cover we are offering, unless claimed for on this policy. These apply to you or anyone insured under this policy. Your right to cancel You can cancel in writing at any time. for the cancelled period of insurance. As long as you haven't made a claim, we'll refund you any amount you have paid If the worst happens If you need to make a claim, please contact us on 01793 852622, or outside of office hours on 0800 282 652. report a potential claim under your Legal expenses cover, please call 0845 070 0173. To
Commercial Select Statement of Insurance Policyholder Policy number Federation of British BonsaiSocieties Ltd 080X2529788/N03 Date of issue 14 December 2012 Period of insurance 1 January 2013 to noon 1 January 2014 Demands and Needs We recommend NFU Mutual's Commercial Select policy as suitable to meet your needs. Any specific details of our recommendation are recorded in the covering letter provided with your quote or new business documents and/or following a renewal review. This statement of insurance and your insurance schedule summarise key information you have provided. This enables us to evaluate your insurance needs and arrive at the quoted premium. Together this information forms the basis of your insurance with us. It is very important that this information is correct so please carefully check these documents. Failure to disclose accurate information to us may invalidate your insurance or result in claims not being paid. If any information is incorrect please contact us on 01793 852622 within the next seven days. Any changes to information supplied may result in a revised premium, revised terms being offered or even in some circumstances a refusal to offer cover. If any changes disclosed are acceptable to us you will be sent a new Commercial Select statement of insurance and insurance schedule. This statement of insurance, your insurance schedule, any certificates of compulsory insurance and policy booklet are to be read together as one contract. Your Premium Premium Breakdown Insurance Premium £2,000.00 Mutual Bonus -£60.00 Insurance Premium Tax (at the current rate) £116.40 Payment in full £2,056.40 About your business Business description Bonsai Society Agreement to financial risk assessment Yes Loyalty Agreement None Persons authorised to transact business on your behalf Reginald Bolton Terms applied or insurance cancelled or refused None declared Bankruptcy proceedings or any form of statutory Insolvency None declared proceedings or Court Judgements in the past five years Details of Liquidation/Administration/Receivership or in the None declared last five years any Court Judgements Details of Disqualification under Company Directors None declared Disqualification Act Non motoring convictions* None declared Prosecutions for breach of any statutory requirements None declared relating to health and safety * You are not required to disclose convictions regarded as 'spent' under the Rehabilitation of Offenders Act 1974 Additional information you provided for your Liability cover PUBLIC AND PRODUCT LIABILITY Public Liability - Premises Wages - Village Hall Committee £20,340* ENVIRONMENTAL LIABILITY Turnover £10,000 *This figure has increased since your previous period of insurance because it is index-linked 080X2529788/N03 BRBUJMS/RQ/7 Page 1 of 2 Statement of Insurance 14/12/12 17:50
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