Broker Ref: BARR07 Date: 18/07/2015 Barry Ives (Haulage) Ltd Rippers Court Sible Hedingham Halstead Essex CO9 3PY Dear Mandy, Commercial & Motor Insurance Renewals 2015-16 As you are no doubt aware your commercial and motor insurance programme falls due for renewal on 31/07/2015. The renewal terms are outlined below in accordance with our renewal review meeting discussion on 29/05/2015.

Policy Type Insurance Company Current Premium Renewal Premium

Motor Trade Combined Aviva Insurance Ltd 11,250.00 9,892.95

Haulage Motor Fleet Aviva Insurance Ltd 11,269.50 9,335.00

Goods in Transit Northern Marine U/W 1,301.56 1,227.80

Engineering Inspection ESIS Ltd 264.00 486.00

Legal Expenses DAS Legal Expenses 56.00 86.00

Directors & Officers Axa Insurance UK Plc NEW 348.00

Total Amount: 21,375.75

Overall, the total amount has reduced by 2,765.31 year on year. We hope that you will be very pleased with our work on your behalf this year. We are recommending moving your Haulage Motor Fleet Insurance policy from ERS to Aviva because of the premium saving and because Aviva insures your Motor Trade Combined policy. We are also recommending moving your Goods in Transit insurances from CNA to NMU, also because of the premium saving and because their claims service is better than CNA in our opinion. The above annual renewal premiums are inclusive of insurance premium tax (IPT) levied at 6% and 30 administration fee. We consider the rates being offered as very competitive, when compared with alternative insurance companies. The enclosed Renewal Risk Register forms the basis of our recommendations and also provide important information including any significant or unusual conditions, warranties and exclusions that may apply to these renewal quotations. Our terms of business can be read overleaf for which details on cancellation rights and claims procedures can be found.

Continued//

The Saffron Insurance Claims Management Service is included within your Haulage Motor Fleet policy. This service is charged at 10 per vehicle and includes the under noted benefits:- - Repair & Credit Hire - Uninsured Loss Recovery - Specialist Claims Team Please refer to the enclosed summary for further details on what this service entails. In the event that you do not require this service, please contact us to discuss the available options. We have recommended the above insurance companies for your insurance needs, because they have provided the best combination of cover and cost for your requirements. You have a duty at each renewal of the policy to advise your insurers of any changes that are material to the risk which may have occurred in the last 12 months and which you have not previously advised us of. If you are in any doubt as to whether a fact is material then you should contact us immediately to discuss this as failure to do so could result in the policy being void and any claim/s may not be paid. In accordance with the 4th EU Directive, every vehicle with a UK registration plate must be logged on the Motor Insurers Database (MID). It is your obligation to notify any additions or deletions to your vehicle schedule throughout the year immediately. Temporary additions of less than 14 days need not be notified in respect of the database. You should retain information on all vehicles registered with the MID and also temporary vehicles that are not required by the MID for 7 years. Non-compliance may result in prosecution with a maximum fine payable of 5,000 &/or your vehicle/s being seized. If you have any queries in respect of the MID then please contact us immediately to discuss this further. As your insurance broker we are constantly looking at ways to improve risk management and reduce exposure. In line with current market conditions we have obtained quotations for various aspects of cover we feel are of particular concern. Please refer to the attached document for more details and Directors and Officers Insurance. We trust that you will find everything to be in order and look forward to receiving your instructions prior to the expiry date on 31/07/2015, but in the meantime should you have any queries then please do not hesitate to contact us on the number detailed below. Yours sincerely, Thomas Hallatt Account Executive Saffron Insurance Services Limited

Email Address: tomh@saffroninsurance.co.uk Direct Tel: (07969) 241683 Commercial Centre, 2 High Street, Haverhill, Suffolk, CB9 8AX

Date: 18/07/2015

Renewal Risk Register

The Financial Conduct Authority (FCA) regulates the general insurance market and requires us to provide you

with the following information in relation to your policy. This also forms our understanding of your requirements.

It is imperative that you check the current policy limits and levels of cover to ensure they are sufficient for your requirements. Please review this information regularly as your circumstances could change

from when the policy was incepted.

AVIVA INSURANCE LIMITED MOTOR TRADE COMBINED POLICY

Business Description

Haulage Contractors and Motor Vehicle Repairers Risk Address

Rippers Court, Sible Hedingham, Halstead, Essex, CO9 3PY Property Damage All Risks

Buildings 390,803 sum insured Reinstatement General Contents, Machinery & Plant 43,609 sum insured Reinstatement Office Contents and Computers 6,815 sum insured Reinstatement Stock in Trade (including Fuel Stock) 30,690 sum insured Indemnity Stock in Transit Limit 5,000 sum insured Indemnity Own Vehicles 31,040 sum insured Indemnity Customers Vehicles 83,502 sum insured Indemnity Insureds Portable Hand Tools & Chests/Boxes 22,267 sum insured Indemnity Tools and Tool Chest Mark Bryant 25,000 sum insured Indemnity Tools and Tool Chest Terry Cox 10,000 sum insured Indemnity Business Interruption All Risks

Loss of Gross Profit 300,000 sum insured 12 Months Period Money Cover

On the premises during business hours 500 sum insured Any other loss of money 500 sum insured Combined Liability

Public Liability 5,000,000 any one occurrence (motor trade) Public Liability 1,000,000 any one occurrence (haulage trade) Employers Liability 10,000,000 any one occurrence

Motor Road Risks

Cover: Comprehensive

Windscreen: Yes included NCD protected

Use: Social Domestic and Pleasure (SDP) Business Use (Bus)

Driver Schedule:

Barry Ives (SDP/Bus) Amanda Jeggo (SDP/Bus) Mark Bryant (Bus) Terry Cox (Bus) Debbie Starkey (Bus)

Specified Persons: Paula Ives (SDP) Denise Chinery (SDP) Colin Jeggo (SDP)

Trade Plates: One 929TW

Vehicle Schedule From Renewal 31/07/2015

Make Model GVW Reg. No. Year Est. Value

Fiat Van 3.5 tonne Y227ADO 2000 3,000

Mercedes E220 CDI 2148cc B1VES 2008 12,000

Honda Civic Type S 1799cc AY12YDO 2012 17,000

Excesses Applicable

Property Damage 350 each claim Third-Party Property Damage 350 each claim Road Risks 350 each claim Windscreen Damage 150 each claim

Annual Financial Estimates

Haulage Wage Roll 90,000 All Other Employees Wage Roll 80,000 Haulage UK Turnover 341,930 All Other Turnover 165,766 Money Carryings 25,000

AVIVA INSURANCE LIMITED HAULAGE MOTOR FLEET POLICY

Cover Summary

Cover: Comprehensive

Trailer Cover: Trailers are covered Comprehensively whilst Attached and Unattached

Windscreen Cover: None excluded

Excess: 250 for Accidental Damage, Fire and Theft claims

Driving Permission: Any Driver over 25 years of age, holding the appropriate licence

Use:

Carriage of Goods for Hire and Reward

Own Business Use

Social, Domestic and Pleasure

Motor Insurance Database: Aviva Insurance to keep the Motor Insurance Database up to date

Adjustment Basis: As and when pro-rata premium calculations

Claims Management: In-house claims handling via Saffron & Action365

Rates Per Vehicle (2015): 7.5 to 18 tonnes - 1,325 per vehicle 26 tonne - 1,855 per vehicle 44 tonne - 2,120 per vehicle

Vehicle Schedule From Renewal 31/07/2015

Make Model GVW Reg. No. Year Est. Value

DAF Lorry (Curtain) 7.5 tonne HK57YHC 2007 7,500

DAF CF65.220 Lorry 18 tonne FJ56JXD 2006 19,000

DAF Lorry (Curtain) 18 tonne FJ57GVW 2007 22,500

DAF Atego 1823 Lorry 18 tonne GL61GXV 2012 40,000

DAF Lorry (Curtain) 26 tonne DK56FJN 2006 25,000

Volvo FH460 6X2 Lorry 44 tonne KU11KBF 2011 37,500

*If OV52UJJ still requires cover from renewal, comprehensive cover, please add 1,325 including tax.*

NORTHERN MARINE UNDERWRITERS GOODS IN TRANSIT POLICY

Cover Applicable

Cover/Basis Customer Sum Insured Annual Charges

All Risks of Legal Liability Knights of Old 150,000 15,000

All Risks of Legal Liability All Other Customers 57,200 180,000

All Risks of Legal Liability All Subcontractors 57,200 35,000

UK CMR Cover All Other Customers 350,000 20,000

Additional Covers Applicable

Unwitting CMR 350,000 limit any one vehicle Territorial Limits

United Kingdom Excesses Applicable

All Claims 250 each claim

ENGINEERING SAFETY INSPECTION SERVICES LTD ENGINEERING INSPECTION POLICY

DAS LEGAL EXPENSES INS. COMPANY LIMITED COMMERCIAL LEGAL EXPENSES POLICY

Item Limit of Indemnity

Employment Disputes and Compensation Rewards

100,000*

Legal Defense

Contract Disputes

Property Protection

Tax Protection

EuroLaw Commercial Advice Helpline

Tax Advice Helpline

Business Assistance Helpline

Counselling Helpline

DASBusinessLaw

* Aggregate limit 1,000,000 claims any one insurance period

AXA INSURANCE UK PLC DIRECTORS AND OFFICERS POLICY

Business Sector

Haulage and Motor Trade

Cover Provided

Personal Liability 500,000 sum insured each claim Company Liability 500,000 sum insured each claim Employment Practices Liability Not Insured - 250 extra annual premium for 250,000 cover

Excesses Applicable

Personal Liability Nil not applicable Company Liability 2,500 each and every claim waived if claim successfully defended

Additional Information

Please note the information is a summary only. This is not an exhaustive list of the policy terms and conditions. You should always refer to your policy schedule and wording for full details of the cover

provided.

Date: 18/07/2015

Warranties, Conditions & Exclusions

The Financial Conduct Authority (FCA) regulates the general insurance market and requires us to provide you with the following information in relation to your policy.

It is imperative that you understand the information below and how it applies to your circumstances. This information should also be reviewed regularly as your circumstances could change from when

the policy was incepted.

Aviva Motor Trade Combined Policy

Mark Bryant & Terry Coxs Tool Chests to be attached to building overnight/fixed to building Young Drivers Private Use Restriction Intruder Alarm Conditions

Use of Heat Conditions

Vehicles in the Open Security Haulage Exception

Money in Transit Conditions

Interested Parties Noted x 3

Driving Licence Checks Condition

Vehicles Left Attended Security Tyres Racing, Remoulds and Imports Exclusion Heat Work Away From Premises Exclusion

Driving Outside UK Exclusion (unless notified to Aviva prior to travelling)

Hazardous Substances Exclusion

As per policy and signed motor trade renewal declaration form 29/05/2015

Aviva Haulage Motor Fleet Policy

As per policy

Northern Marine Underwriters Goods in Transit Policy

As per policy

ESIS Engineering Inspection Services Policy

As per policy

DAS Commercial Legal Expenses Policy

As per policy

Axa Directors and Officers Policy

As per policy

Please pay close attention to the above as failure to comply will potentially invalidate your policy. This is not an exhaustive list of the policy terms and conditions and you should always refer to your

policy schedule and wording for full details of the cover provided.

Saffron Insurance Services Ltd Terms of Business

Important information please read About us Saffron Insurance, Saffron Loss Recovery and Saffron Claims are trading names of Saffron Insurance Services Limited (SISL), an independent intermediary. Who are we regulated by? The Financial Conduct Authority (FCA) is an independent watchdog that regulates the financial services sector. SISL is authorised and regulated by the FCA. Our FCA registration number is 302774. You can check this on the FCA register by visiting the FCAs website www.fca.org.uk/register or by contacting them on 0800 111 6768. Products and Services we offer:

Commercial insurance products from a range of insurers.

Commercial and residential property owners insurance from a limited number of insurers and a list of these can be supplied on request.

Commercial legal expenses insurance from DAS Legal Expenses Company Limited.

A commercial loss recovery service from Lorega Limited and/or First Assist.

A claims management service to our commercial fleet customers managed by Action 365 Ltd, who are regulated by The Claims Management Regulator in respect of regulated claims management activities, registration no. CRM2517.

Protecting your Money For your protection we will hold your money as an agent of the insurer. In arranging your insurance we may employ the services of other intermediaries who are regulated by the FCA and your premium may be passed to these intermediaries for payment to insurers. Interest that may be earned on these accounts is retained by SISL. Service we provide We will establish your insurance requirements and assist you in arranging your insurance cover to meet with your requirements or where these cannot be fully met, provide you with enough information to enable you to make an informed decision; Our fees and charges Effective from 01/01/2015 In addition to the premiums charged by insurers, we may charge a professional fee to cover the placing of your insurance All our fees and our charges are non-refundable and all refunds will be made after the deduction of commission. At any time you may request information on our and the agreed providers commission income or profit share.

Explanation of Fee Amount of Fee

New Business & Renewal Fee

Fee payable on new policies issued and renewal of existing policies

30 for all policies up to a premium of 5,000. All other charges to be confirmed prior to commencement of work

Mid term Adjustment

Any change made to your policy after inception or renewal

20

Cancellation Payable if you cancel the contract Mid-Term

35

Cancellation or rejection of payment

Fee payable if your cheque, card or direct debit payment is cancelled or rejected

20

Post-dated payment charges

Fee payable for postdating or delaying a payment

10

Duplicate document charges

Fee payable for providing duplicate documents

10

Credit card Charges

Fee payable for the use of any acceptable credit card (excludes Debit cards)

4

You may also incur the following costs from your insurer or credit provider:-

Insurer charges upon cancellation practices vary so please refer to your policy documents for any specific arrangements.

Credit charges vary according to the chosen payment-option so please check your credit agreement carefully for full details

Arrangement Fees may be withdrawn with prior agreement. Refunds The Minimum amount we will refund is 10 therefore any refund due below this amount will not be given. What to do if you wish to complain It is our intention to provide you with a high level of customer service at all times. However, if at any time you are dissatisfied with the service we provide, we have a formal complaints procedure. You should, therefore take the following course of action:

In the first instance you should discuss your complaint with the local team you have been dealing with.

If you remain dissatisfied please contact David Beswick our Managing Director using the details below:-

Call your local team or our head office 01799 522293

Write to Saffron Insurance Services Limited 67 High Street Saffron Walden Essex CB10 1AA

E-mail: Insure@Saffroninsurance.co.uk

We will acknowledge your complaint within five working days and advise you who is investigating the matter and will supply a final response within 8 weeks from the initial receipt of the complaint. If we are unable to resolve the complaint within this timescale we will explain why.

If you remain dissatisfied with the outcome of your complaint, you may be entitled to refer it to the Financial Ombudsman Service, whose address is: Exchange Tower, London, E14 9SR. Telephone 0800 023 4567.

How to amend your insurance If you want to make a change to your insurance, please telephone a member of your local office or the main office 01799 522293 and let us know the details of the change that you wish to make and the date the change is to be effective from. If we, and your insurer, agree to the change we will also agree on the effective date of the change. You must give us advanced notice. We will let you know of any additional premium to be paid and any fee that may be payable for the mid-term adjustment. How to report a claim To report a claim please call us on 0844 412 2416, at any time. If you have commercial fleet insurance and have taken up our Claims Management Service please refer to the documentation provided for full details of the claims process. How to cancel your insurance Telephone, email (insure@saffroninsurance.co.uk) or write to the office with which you deal instructing us to cancel. Please ensure you confirm the policy you wish to cancel and the date you would like this to be effective from otherwise we will not be able to process your request without further contact to confirm the details. Please also do the following:-

For commercial fleet insurance products, please return all the certificates of motor insurance.

For Employers Liability insurance please return the Certificate of Employer Liability Insurance.

Any applicable refund will not be issued until the appropriate certificate(s) or a lost certificate declaration is received by us. NB: We may need to confirm the details of the card or account to be refunded before the refund can be processed.

Renewing your insurance Before your renewal date, we will meet with you and/or send details out to you by post or email. We will invite the renewal of your insurance with the most appropriate insurer and confirm the premium payable and the full terms and conditions, for your consideration. You will need to let us know if you want to go ahead with the renewal and agree payment terms prior to the renewal date. Should we not hear from you, the policy will lapse on the expiry date and you will have no insurance cover after that date. If you would prefer us to renew with your current insurer, please tell us when you call. Your duty to disclose information and to check the wording on Your policy. It is important that all information you, or anyone acting on your behalf, gives us verbally and/or in writing when arranging your cover, making changes to it or making a claim is true and complete. You, or anyone acting on your behalf, must also tell us about any changes during the term of the policy, such as a reduction or increase to the sum insured, the risk address, the occupation for any party on the policy, etc). Failure to provide true and complete information could invalidate your policy and/or any claims made under it. Under the conditions of your policy you, or anyone acting on your behalf, must also tell us about any incidents relating to the subject of the insurance cover such as a fire, theft or loss. When you tell us about an incident, we will pass information relating to it to a database and will share it with your insurer. As the certificate and schedule are the basis of the cover you have purchased you should read these documents carefully in conjunction with the policy wording, if you have any concerns please do not hesitate contact us. What happens if you default on Your instalment agreement If any credit agreement payment is not met, you acknowledge and agree that we may instruct on your behalf the relevant insurer to cancel the insurance and to collect any refund of premiums which may be made by the insurer and use it to offset any outstanding costs. Withholding Documents We reserve the right to withhold certain documents, such as proof of any no claims discount entitlement, whilst there is any outstanding premium or charges owed to us. We will however, ensure that you have the documents required by law. Conflicts of Interest Occasions can arise where we or one of our product providers will have a potential conflict of interest with business being transacted for you. If this happens and we become aware that a potential conflict exists, we will write to you to detail the steps we will take to ensure your fair treatment and obtain your consent before we carry out your instructions. Preventing and Detecting Fraud Insurers pass information to the Claims and Underwriting Exchange Register, run by Insurance Database Services Ltd (IDS Ltd), the Hunter Database, run by MCL Software Ltd and the Motor Insurance Anti-Fraud and Theft Register run by the Association of British Insurers (ABI). The aim is to help us to check information provided and also to prevent fraudulent claims. When we deal with your request for insurance, we may search these registers. Under the conditions of your policy, you must tell us about any incident (such as an accident or theft) which may or may not give rise to a claim. When you tell us about an incident, we will pass information relating to it to the Registers. Your policy details will be added to the Motor Insurance Database (MID), run by the Motor Insurers' Information Centre (MIIC). MID data may be used by the DVLA and DVLNI for the purpose of Electronic Vehicle Licensing and by the Police for the purpose of establishing whether a driver's use of the vehicle is likely to be covered by a motor insurance policy and/or for preventing and detecting crime. If you are involved in an accident (in UK or abroad) other UK insurers, the Motor Insurers' Bureau and MIIC may search the MID to obtain relevant policy information. Persons pursuing a claim in respect of a road traffic accident (including citizens of other countries) may also obtain relevant information which is held on the MID. You can find out more about this from your insurer, or at www.miic.org.uk. We may search these databases when you apply for insurance, in the event of any accident or claim, or at time of renewal to validate your claims history or that of any other person or property likely to be involved in the policy or claim.

In order to prevent and detect fraud we or the insurers on our panel may at any time: Share information about you with other organisations and public bodies including the Police Check and/or file your details with fraud prevention agencies and databases, and if you give us false or inaccurate information and we suspect fraud, we will record this We and other organisations may also search these agencies and databases to: Help make decisions about the provision and administration of insurance, credit and related services for you and members of your household Trace debtors or beneficiaries, recover debt, prevent fraud and to manage your accounts or insurance policies Check your identity to prevent money laundering, unless you furnish us with other satisfactory proof of identity Undertake credit searches and additional fraud searches NB: You should share this information with all the parties named in your policy. Data Protection For Data Protection Act purposes SISL is the Data Controller. We will hold and process your personal data for insurance, administration and marketing purposes. Your data may be shared with other companies who you have insured with. For the above purposes, the information may also be passed to selected third parties, insurers and reinsurers, and may be processed outside the European Economic Area (EEA). You understand that all personal data you supply must be accurate, and you have the specific consent of those other persons insured to disclose their personal data. You may request a copy of the information held by SISL for which a charge of 10 will be made to cover our costs. SISL likes to keep you up-to-date about its own products and services and those of other companies that might be of interest to you. However, if you prefer not to be kept informed please write to: The Data Protection Officer, Saffron Insurance Services Limited, Saffron House, 67 High Street, Saffron Walden, Essex, CB10 1AA or alternatively email insure@saffroninsurance.co.uk. Who can we speak to regarding your policy At the request of many of our customers and to make managing your insurance policy more flexible and convenient, it is our policy to deal with other parties regarding your insurance policy as long as we are satisfied that they are acting on your behalf. This includes all activities relating to the arranging and administration of your policy, such as quotations, amendments, claims, complaints and the cancellation of the policy. We will assume that you are happy to proceed on this basis unless you advise us otherwise. If at any time you only want us to deal with you, or specific named parties, please call us to let us know immediately and we will update our records.

Call Recording For mutual protection, to allow us to improve our customer service and for training purposes, all calls may be recorded including outbound calls made by us to yourself or someone acting on your behalf. Governing Law This document, and all other information that we issue, is directed at United Kingdom residents and shall be governed by, and work in accordance with, English Law. It is also subject to the jurisdiction of the English courts. Compensation Scheme If we or your insurer were unable to meet our obligations you might be entitled to compensation under the Financial Services Compensation Scheme (FSCS). Further information about the Scheme is available from the FSCS website at www.fscs.org.uk or by calling us.

CTOB Jan 2015

Date: 18/07/2015

Uninsured Areas of Exposure

You should review your levels of cover in context of the costs involved to increase them. As your insurance broker we feel the under noted are areas of potential exposure and increased levels of

cover should be considered. Accordingly we have obtained indicative quotations in respect of the following:-

Management Liability Insurance

Personal Liability: 500,000

Company Liability: 500,000

Insurer

Axa Insurance UK Plc

Annual Premium

450.00

Please note the above indications are based on certain assumptions made from information we hold on file and in no way should they be considered as a contract certain quotation. For full details and a

written quotation please contact us.