Product Range All Flyers4

MOTOR PRODUCTS
• RTI/FINANCE Combination GAP
• CV Finance GAP
• RTI Taxi GAP
• Misfuel
• Theft Protect
• Replacement Vehicle
• Toolguard
• Personal Accident & Death Benefit
• Key Protect
• Licence Assist

RTI / Finance Combination Gap
In the event of your car being stolen and not
recovered or in an accident and declared a
total loss, very few customers will receive from
their motor insurer the amount they originally
paid for the car, or the finance outstanding and
this may mean they have to buy a lower spec
vehicle or struggle to replace this vehicle at all.
GAP Insurance provides valuable benefits for
the majority of customers who purchase a new
or used vehicle.
If a Total Loss of the insured Vehicle occurs
within the Territorial Limits during the Period of
Insurance, We will pay the difference between
the Insured Value (The amount that You receive
under Your Motor Insurance Policy in respect of
Your Vehicle being a Total Loss) and either the
purchase price of the insured Vehicle as
confirmed by the Net Invoice Selling Price or the
amount of Your Early Settlement Finance Figure,
whichever is the greater.
Eligibility Requirements
You are eligible for cover under this policy
provided:
1. You purchase this policy within 180 days of
taking ownership of the Vehicle from a VAT
Registered Dealership or Internet Broker.
2. The Net Invoice Selling Price does not exceed
£150,000 (one hundred and fifty thousand
pounds);
3. The Vehicle is listed in Glass’s Guide and is less
than 8 years old, and has covered less than
80,000, on the day that You purchase Your
policy;
4. The Vehicle is not specifically excluded under
the terms and condition of this policy.
Policy Transfer
If You sell Your Vehicle, provided that no claim
has been made under this Insurance, You may
transfer the remaining cover to the eligible
Replacement Vehicle, subject to Our
agreement. Where the Purchase Price of the
replacement Vehicle is greater than the original
Vehicle Purchase Price, an additional premium
may be required.
Innovative Insurance Solutions That Save You Money
w: www.nice-1.co.uk t: 03333 58 59 60 e mail: enquiries@nice-1.co.uk
Head Office: Nice 1 House. Broad Lanes . Bilston . West Midlands WV14 0RQ

CV Finance Gap up to 44t
This Commercial Finance GAP Insurance is
arranged by Nice 1 Limited.
If a Total Loss of the insured Vehicle occurs
within the Territorial Limits during the Period of
Insurance, We will pay the difference between
the Insured Value (The amount that You receive
under Your Motor Insurance Policy in respect of
Your Vehicle being a Total Loss) and the
amount of Your Early Settlement Figure.
The maximum amount We will pay in respect of
any one claim will not exceed the Limit of
Liability as shown in Your Policy Schedule.
If You accept an offer of settlement from Your
Motor Insurer of less than the current Market
Value of the Vehicle, We reserve the right to
contact the Motor Insurer in Your name to
assess the offer of settlement and where
necessary seek settlement in-line with the
Market Value at the time of the incident that
lead to Your Vehicle being declared a Total
Loss.
provided:
Registered Dealership.
2. The Net Invoice Selling Price of the Vehicle
does not exceed £100,000 (one hundred
thousand pounds);
policy;
4. The Vehicle is a Heavy Goods Vehicle (HGV)
tractor unit or a rigid lorry weighing between 3.5
tonnes and 44 tonnes. Please note trailer units
are not covered by this policy.
5. The Vehicle is not specifically excluded under
Claim benefits (subject to policy chosen)
• Between £10,000 and £15,000 for vans &
trucks 3.5 to 7.5t up to £60,000 vehicle
value
• Between £15,000 to £20,000 for Trucks 7.5
to 44t up to £100,00 vehicle value
• Available in 36, 48 & 60 month policies.

RTI Taxi Gap
In the unfortunate event of your car being
stolen and not recovered or in an accident and
declared a total loss, very few customers will
receive back from their motor insurer the
amount they originally paid you for the car, and
this may mean they have to buy a lower spec
vehicle or struggle to replace this vehicle at all.
This Return to Invoice GAP Insurance is
arranged by Nice 1 Limited.
Nice 1 offers a comprehensive range of GAP
products to cover the shortfall between the
current market value of the vehicle and the
original invoice price of the car.
provided:
Registered Dealership or Internet Broker.
2. The Net Invoice Selling Price does not exceed
£50,000 (fifty thousand pounds);
policy;
4.The Vehicle is not specifically excluded under
RTI / Taxi GAP
• RTI (Return To Invoice) Covers the
difference between the original invoice
price and current market value.
• Available in 12, 24, & 36 month policies.
• Vehicles up to £50,000 value
• Claim benefits* (*subject to policy
chosen) between £5,000 and £10,000
• Policy covers family saloons & MPV’s
• Policy Transfer : If You sell Your Vehicle,
provided that no claim has been made,
you may transfer the cover to the eligible
Replacement Vehicle, subject to our
agreement.

Misfuel Protect
Misfuel Protect
It can be worryingly easy to Misfuel. This is
particularly common in households with access
to more than one vehicle and companies with
fleets of vehicles running on different fuel types.
An unleaded petrol pump nozzle is smaller than
a diesel nozzle and so fits into the fuel tank
without resistance.
With an increasing number of households
owning multiple cars which use different fuel
types, accidents are becoming more
commonplace.
With a few things on your mind, or being in the
usual routine of using petrol, a moment's
inattention can lead to a costly mistake..
What Is Provided?
Mis-Fuel Protect provides peace of mind for
motorists.
• The policy covers cars, vans and
motorcycles with assistance available 24
hours a day, every day of the year.
• Roadside assistance companies charge
£200+ (Excluding replacement fuel).
• 150,000 motorists misfuel every year.
• The cost to drain petrol, repair parts and
replace diesel fuel can come to
anything up to £3,000
• The repairs needed after fuel is drained
may not be covered by Insurance,
Warranties or Breakdown cover

What is Theft Protect?
Insurer courtesy vehicle programs are not always
able to provide a suitable replacement vehicle, so
Nice 1 created Theft Protect.
Subject to the customers’ own insurance policy
being unable to provide a suitable vehicle under the
courtesy vehicle program, this policy will provide a
vehicle for a selected period (14, 21 or 28 days).
In the event of insurer program failing to provide
Nice 1 will:
• Arrange the supply of a replacement vehicle
through its national rental network
When Will A Vehicle Be Provided?
We will arrange and pay for a hire vehicle if your
vehicle is:
• stolen
or is made undriveable following
• attempted theft
• damage by fire,
• vandalism
• vehicle interference
• following an incident where your vehicle is a
total loss or if your vehicle is declared a total
loss following any of these events.
Significant exclusions or limitations
• Any vehicle hire costs incurred before we
have accepted a claim.
• We will only pay vehicle hire costs up to the
limit specified and for the vehicle group
selected in the Certificate of Insurance.
• Policy holders under 21, motorcycles &
private hire vehicles are excluded from the
total loss benefit of the policy.

Replacement Vehicle
What is Replacement Vehicle?
In response to customer observations that
insurer courtesy vehicle programs are not
always able to provide a suitable replacement
vehicle, Nice 1 created Replacement Vehicle
Insurance.
Subject to the customers’ own insurance policy
being unable to provide a suitable vehicle
under the courtesy vehicle program, this policy
will provide a vehicle for a selected period
(3,7,14, 21 or 28 days).
In the event of insurer program failing to
provide Nice 1 will:
• Arrange for vehicle to be referred to
nearest alternative approved repairer
with courtesy vehicle available or
• Arrange the supply of a replacement
vehicle through its national rental
network
When Will A Vehicle Be Provided?
We will arrange and pay for a hire vehicle if
your vehicle is:
• stolen
or is made undriveable following
• attempted theft
• damage by fire,
• vandalism
• vehicle interference
• following an accident where your
vehicle is a total loss or repairable* as
decided by your motor insurers, vehicle
repairer or motor engineer, or if your
vehicle is declared a total loss by your
motor insurer following any of these
events.
*Subject to your insurer being unable to supply
a suitable vehicle under any courtesy vehicle
Program.
Significant exclusions or limitations
• Any vehicle hire costs incurred before we
have accepted a claim.
• We will only pay vehicle hire costs up to
the limit specified and for the vehicle
group selected in the Certificate of
Insurance.

What is Supercover Toolguard?
Trades people rely on their tools to carry on their
business. All too frequently, insurance for tools when
in vehicles contains restrictions where the policy will
only pay claims when vehicles are locked in a
garage or secure compound.
Tools protect provides a tools in van insurance policy
that protects the insured from having to find the
money to replace tools should they find themselves
in the unfortunate position that they are unable to
work, due to the theft of tools from their van or the
tools are damaged as a result of an accident
involving the van.
SIGNIFICANT FEATURES & BENEFITS
• If your tools in transit are destroyed,
damaged or stolen whilst in your vehicle we
will replace them.
• If your tools in transit are destroyed,
damaged or stolen during loading or
unloading we will replace them.
• This cover is limited to a maximum of 2 claims
in any 12 month period
• £500, £1,000, £2,500 £5,000, £7,500 or £10,000
cover levels (subject to premium paid) in the
event that property belonging to you or for
which you are responsible is lost, destroyed or
damaged whilst being loaded upon, carried
by, temporarily housed upon or being
unloaded from your vehicle.
The policy does not cover:
• Sheets, ropes, packing materials, securing
chains or toggles, property warehoused for a
rental or under contract for storage or
distribution, money, securities, jewellery,
watches, furs, cameras, radios, televisions,
record players, cassette players or video or
electrical equipment.
• Goods carried for hire or reward.
• Damage caused by inadequate packing.
• The first £100 of each claim
• Theft from any unattended motor vehicle
unless the tools in transit have been
concealed in a locked boot or cargo hold or
other locked internal compartment and all
the vehicle windows and doors have been
securely locked and fastened and the keys
removed and unattached trailers have had
anti-hitching devices put into operation.
• Loss or damage for anything other than your
portable tools
• Theft from any unattended motor vehicle
that occurs overnight (10pm – 6am) unless
the vehicle is:
i. parked in an area secured by a
locked gate or a locked garage
ii. ii. parked on your driveway
iii. If these conditions cannot be met
then you must park your motor
vehicle in a well-lit area, on the same
street as your private home, and the
motor vehicle must be visible form
your private home.

Personal Accident & Death Benefit (Motor)
What is PAI & DB Cover?
This insurance covers the insured person whilst driving
or travelling in the insured vehicle named in the
insured person’s motor insurance policy.
Passengers(s) are only covered whilst travelling in
the insured vehicle named in the insured person’s
motor insurance policy and driven by the insured
person or a named driver.
This insurance runs concurrently with the insured
person’s motor insurance policy. In the event of
cancellation/nonrenewal of the insured person’s
motor insurance policy, all cover under this
insurance shall cease.
Your Motor Personal Accident Insurance Policy
provides cover to indemnify you, any joint
policyholder whilst driving the insured vehicle and
any passengers if you have an accident occurring
within the United Kingdom that leads to death or
disablement up to the limits in the policy. The policy
operates alongside your motor insurance policy.
Please refer to policy document for specific
exclusions.
How much will the policy pay?
1. Accidental death £30,000
2. Total and irrecoverable loss of sight in both eyes
£30,000
3. Total and irrecoverable loss of sight in one eye
£5,000
4. Loss of one or more limbs £30,000
5. Permanent total loss of speech £30,000
6. Permanent total loss of hearing
a. in one ear £7,500
b. in both ears £30,000
7. Permanent total disablement £30,000
Additional benefits in the event of a road rage
assault or car-jacking
8. Hospital daily cash benefit £100 per day of
confinement but not beyond 30 days first night
franchise
9. Emergency dental treatment £250 excess of £25
each and every loss
10. Clothing and personal effects £150 excess of £25
each and every loss
11. Five sessions of stress counselling following a
claim under items 2, 3, 4, 5, 6, 7 and 8
The maximum accumulation limit for any one
accident shall be £240,000.
Significant Exclusions
Use of the private passenger vehicle for:
• hire or reward;
• racing competition, rallies, trials, speed
testing or for any purpose in connection with
the motor trade;
• riding a motorcycle or moped as a driver or
passenger.

What Supercover Key Protect?
This policy provides cover up to £1,500 in the event
that any insured keys are accidentally lost, stolen or
accidentally damaged. This is subject to the terms,
conditions, and limitations shown below or as
amended in writing by us.
Cost/expense incurred Extent of cover and limitations
1. Locksmith charges for lost or stolen keys • If you have no access to your motor cycle/motor
vehicle/home due to the loss/theft of your insured
key
• Up to £50 in respect of any insured key broken inside
a lock or the ignition of your motor cycle/motor
vehicle
2. Locksmith charges for keys locked in your home or
your motor cycle or motor vehicle
• If you have no immediate access to your motor
cycle/motor vehicle /home due to the loss/theft of
your insured key
3. New locks (including reprogramming of immobilisers,
infra-red handsets and alarms which are attached to
the insured key(s) at the time of the incident
• If there is a security risk to your motor cycle/motor
vehicle/home due to the loss/theft of your insured
key (which may arise from gaining entry to the
property in 1 or 2 above)
4. Replacement Keys (including any immobiliser, infra-
red handset and/or alarm which is integral to any
insured key if it cannot be repaired or re-
programmed)
• Automatic replacement if an Insured Key is stolen
• If the insured key is lost, replacement will only be
provided if you have no access to your motor
cycle/motor vehicle/home, or when your keys have
bene lost for at least 48hours
• Up to 2 keys per lock per claim
5. Onward Transport Costs • If you have no access to your motor cycle/motor
vehicle away from your home
• Up to £75 per day
6. Vehicle Hire • If you are unable to use your motor cycle/motor
vehicle due to the loss or theft of your insured keys
• Up to £40 per day
• Up to a maximum of 3 days hire
7. Hotel or Accommodation Costs • If you have no access to your home
• Up to £120 per incident
Key Exclusions
The insurer shall be under no liability for;
1. Any claim made, or any insured event causing the need for a claim to be made, which
occurs within 14 days from the start date of the policy;
2. Locks which are damaged prior to the accidental loss, theft, or accidental damage of
insured keys;
3. Replacement locks or keys of a higher standard or specification than those insured;;
4. Vehicle hire charges after the third day of hire;
5. Loss or destruction of, or damage to, any property other than an insured key and its
associated lock or ignition system, and any immobiliser, infra-red handset and/or alarm
attached to the insured key;
6. Any claim for theft or loss where the insured event has not been reported to the police
within 48 hours and an incident report number obtained.

What is Licence Assist?
Licence Assist is a legal expenses insurance contract. Provided no more than 6 points have
already been accrued as a result of conviction for offences covered by the policy, it will help
you by providing:
Motor legal advice
Legal representation if you are at risk of being disqualified from driving
A monthly financial benefit of £500 or £1,000 if you are disqualified.
MOTOR LEGAL ADVICE HELPLINE
We will provide advice on any personal legal problem related to motoring, under the laws of
Great Britain and Northern Ireland.
Advice about the law in England and Wales is available 24 hours a day, seven days a week.
MOTOR PROSECUTION DEFENCE
If you are prosecuted for a motoring offence and may be disqualified from driving, we
will appoint our preferred choice of law firm to defend you, and will pay their costs and
expenses. This includes prosecutions for getting 12 or more penalty points.
SIGNIFICANT EXCLUSIONS & CONDITIONS
We will pay a maximum of £25,000 in legal costs.
You must tell us within 10 days of receiving a Notice of Intended Prosecution, or as soon
as reasonably possible if you are notified of a prosecution any other way.
We will not pay to challenge a fixed penalty notice.
We will not pay fines, penalties, prosecution (court) costs or victims surcharge.
DISQUALIFICATION BENEFIT
If you are disqualified from driving, we will pay you a fixed monthly benefit. The amount
you have chosen will be shown in your schedule.
SPEED AWARENESS COURSES
If you are offered the option of taking a Speed Awareness Course instead of a fixed penalty or
prosecution, we will pay the cost of the course.

EXCESS PROTECTION
• Buildings & Contents
• Business Car
• Caravan & Motorhome
• Car Hire Excess Protect
• Commercial Combined
• Commercial Vehicle
• Driving Instructor
• Fleet & Commercial Vehicle Combined (5 to 20 vehicle)
• Fleet (singly 1 to 4 vehicle)
• Lifestyle (2,3 & 5 Star)
• Minibus
• Motor Trader
• Motorcycle
• Multi Vehicle (Family Fleet)
• Private Motor
• Taxi
• Tradesman Liability

Buildings & Contents XS Protect
What is XS Protect?
When you make a claim on an insurance
policy, you will normally have to pay some of
the costs yourself. This is called the policy
excess.
If you need to make a claim on an insurance
policy. XS insurance will ensure your excess is
paid back to you up to a pre-agreed limit.
Save Money
Most customers will find that the higher you are
willing to set your excess the lower the premium
on your policy will be. This figure is almost totally
dependent on you, your age and insurance
claim history. Choosing the right amount of
excess can help make sure you get the best
deal.
Buildings & Contents XS Protect
Imagine if you spilt red wine on your lovely new
carpet. If the replacement cost was £529 with a
£300 excess, your insurers would settle the claim
for £229 and your XS Protect policy would
reimburse you the £300 excess, ensuring you are
not left out of pocket.(subject to it being within
the annual cover limit that you have selected).
With XS Protect you will no longer have to worry
about being out of pocket for the excess. Once
the claim is settled by your insurance company,
XS Protect will refund your excess.
• Allows you to protect yourself against
having to pay the excess on a policy
issued in your name, insured by a UK
insurer and which is regulated by the FSA
• We follow the insurer –If they pay out–We
pay out
• Simple, straight forward and easy to
understand
• Depending on client profile, the policy
may be self-funding i.e. increased excess
saves more than the cost of the policy
(although this is not the primary reason
for taking cover)
• Excess cover levels from £250 to £2,000

Business Car XS Protect
What is XS Protect?
excess.
Save Money
deal.
Business Car XS Protect
In the case of Business Car insurance, the
type(s) of vehicle to be covered and the driving
history will have an effect on the policy excess
applied by the insurance company. Designed
for the company or individual using their vehicle
for business use.
pay out
understand
for taking cover)

Caravan & Motorhome XS Protect
What is XS Protect?
excess.
Save Money
deal.
Caravan & Motorhome XS Protect
In the case of Caravan & Motorhome
insurance, the type(s) of vehicle to be covered
and the driving history will have an effect on
the policy excess applied by the insurance
company.
pay out
understand
for taking cover)

EXTRA CHARGES CAN DOUBLE THE COST OF CAR HIRE
YouGov research revealed consumers renting a car
in the UK or overseas felt buying excess insurance
from the rental firm was a rip off. Many said it’s
expensive, dropped on them at the rental desk and
has hidden costs involved. If excess cover isn’t
bought by a car hire customer, they could end up
being liable for as much as £1,500 if the vehicle is
damaged or stolen.
This policy from Nice 1 meets the demands and
needs of a person seeking to protect the amount
they are liable to pay under their car hire agreement
in the event of an incident affecting the vehicle
during their period of hire and other loss incidental to
the hire where the eligibility criteria are met.
This policy will cover you for certain events as
detailed opposite on a reimbursement basis.
Significant Exclusions
(1) You must be at least 21 years of age and be a resident of the United
Kingdom
(2) Result in a loss occurring within 180 days of the date of the accident.
(3) You are not covered for wear, tear and depreciation of the article(s)
(4) You are not covered for the cost of replacing locks when only the parts
need to be replaced
(5) You are not covered for
a. Any claim if you are unable to provide a copy of;
i. The car rental agreement, and
ii. A medical certificate from a medical practitioner confirming the nature
of the illness, dates of the illness and the dates you were confined to bed.
b. Any claim if the car rental agreement was for less than 7 days.
(6) You are covered up to the amount shown in the benefits schedule for
any drop off charges you incur through the car rental company in the
event of there being no one on the car rental agreement available to
return the rental vehicle to the originally intended car rental station
following an accident/illness for which at least one nights hospitalisation
takes place.
(7) You are covered up to the amount shown in the benefits schedule in
the event that you are unintentionally locked out of a rented vehicle with
the keys inside for the necessary costs incurred to open the car without
causing any further damage.
CAR RENTAL XS PROTECT
Significant Benefits Cover Levels
Excess Reimbursement (1)
• Europe
• Worldwide
• Towing cost cover
£5,000
£50,000
£500
Personal Accident (2) – loss of
sight, limb(s) or permanent
total disablement
Maximum payable in the
event of death
£10,000
£10,000
Personal Possessions cover –
overall limit
Maximum per item, pair or
set(3)
£300 (£50 excess applies)
£75
Key Cover (4) – per claim / per
period of insurance
£500 / £500
Curtailment of rental (5) – per
day / per agreement
£30 / £300
Drop off charges (6) £300
Lock out (7) £100
Misfuelling (8) £500
Road rage cover (9) £1,000
Car jacking cover (10) £1,000
a. Any claims for the cost of repair or replacement of any mechanical part
or damage to the engine arising from the use of the incorrect fuel.
b. Any costs associated with any missed departure.
c. Any costs from any consequential loss whatsoever. Claims shall only be
paid for those losses which are specifically stated under the terms of this
insurance
a. Any claim where the physical assault is caused by a relative or a person
known to you.
b. Any claim for bodily injury which is not supported by medical evidence.
c. Any claim if the incident is not reported to the policy within 24 hours of it
taking place and a written report obtained.
d. Any claim if you or one of your passengers contributed either vocally or
physically to the incident, other than the initial accident.
a. Any claim where the physical assault is caused by a relative or a person
known you.
b. Any claim for bodily injury which is not supported by medical evidence.
c. Any claim if the incident is not reported to the police within 24 hours of it
taking place and a written report obtained.
d. Any claim if you or one of your passengers contributed either vocally or
physically to the incident, other than the initial accident.

Commercial Combined XS Protect
What is XS Protect?
excess.
Save Money
deal.
Commercial Combined XS Protect
Designed to protect the insurance excesses
that apply in the business sector. Covers any
excess up to the annual aggregate limit.
Covers: Material Damage, Business Interruption,
Employers Liability, Public Liability, Product
Liability, Contract Works, E & O Insurance.
pay out
understand
for taking cover)
• Excess cover levels £300, £500, £1,000 &
£2,500

Commercial Vehicle XS Protect
What is XS Protect?
excess.
Save Money
deal.
Commercial Vehicle XS Protect
In the case of commercial vehicle motor
insurance, the type(s) of vehicle to be covered
and the driving history will have an effect on
the policy excess applied by the insurance
company. This policy can cover vehicles up to
44 tonnes and fleets of up to 30 vehicles and
includes caravans & motorhomes.
pay out
understand
for taking cover)

Driving Instructors XS Protect
What is XS Protect?
excess.
Save Money
deal.
Driving Instructors XS Protect
In the case of Driving Instructors insurance, the
applied by the insurance company. Driving
Instructor XS Protect is included within our
Private Car XS policy.
pay out
understand
for taking cover)

Fleet & Commercial Combined XS Protect
What is XS Protect?
excess.
Save Money
deal.
Fleet & Commercial Combined XS Protect
Fleet & Commercial Combined XS Protect is
designed to accommodate larger fleets of
mixed car and vans. Blocks of 5, 10, 15 and 20
vehicles enables significant discounts on
individual fleet vehicle policies.
pay out
understand
for taking cover)
• Excess cover levels from £1,000 to £6,500
• Ideal for mixed car and van fleets
• Up to 5, 10, 15 and 20 vehicles covered

Fleet XS Protect
What is XS Protect?
excess.
Save Money
deal.
Fleet XS Protect
Fleet XS Protect is provided within our specialist
Commercial XS Protect policy and refunds the
excess you may have to pay in the event of a
claim on your motor policy.
pay out
understand
for taking cover)
• Ideal for small fleets up to 4 vehicles
• See Fleet & Commercial combined for
mixed car/van and larger fleet discounts

Lifestyle XS Protect
What is XS Protect?
excess.
Save Money
deal.
Lifestyle XS Protect
An entirely new product. Its creation puts an
end to fears of making claims on high excess
policies, by ensuring customers will be
reimbursed the excess they have paid. Cover
available for up to 5 types of policy: Motor,
Home, Medical, Travel & Pet insurance.
pay out
understand
for taking cover)

Minibus XS Protect
What is XS Protect?
excess.
Save Money
deal.
Minibus XS Protect
In the case of Minibus insurance, the type(s) of
vehicle to be covered and the driving history
will have an effect on the policy excess applied
by the insurance company.
pay out
understand
for taking cover)

Motor Traders XS Protect
What is XS Protect?
excess.
Save Money
deal.
Motor Traders XS Protect
In the case of Motor Traders insurance, the
applied by the insurance company. Motor
Traders XS Protect is provided within our
specialist Commercial XS Protect policy.
pay out
understand
for taking cover)

Motorcycle XS Protect
What is XS Protect?
excess.
Save Money
deal.
Motorcycle XS Protect
In the case of Motorcycle insurance, the type(s)
of vehicle to be covered and the driving history
by the insurance company. Motorcycle XS
Protect is included within our Private Car XS
policy.
pay out
understand
for taking cover)

Multi Car Family Fleet XS Protect
What is XS Protect?
excess.
Save Money
deal.
Multi Car Family Fleet XS Protect
Multi Car Family Fleet XS Protect refunds the
excess you may have to pay in the event of a
claim on your motor policy.
pay out
understand
for taking cover)
• Excess cover levels £250, £500, £750 &
£1,000
• Designed for the multi car family fleet
• Up to three vehicles from the same
household covered

Private Motor XS Protect
What is XS Protect?
excess.
Save Money
deal.
Private Motor XS Protect
In the case of motor insurance, the type of
vehicle to be covered and your driving history
by the insurance company. Private motor XS
protect includes cover for motorcycles & driving
instructors.
pay out
understand
for taking cover)

Taxi XS Protect
What is XS Protect?
excess.
Save Money
deal.
Taxi XS Protect
In the case of taxi insurance, the type of vehicle
to be covered and your driving history will have
an effect on the policy excess applied by the
insurance company.
pay out
understand
for taking cover)

Tradesman Liability XS Protect
What is XS Protect?
excess.
Save Money
deal.
Tradesman Liability XS Protect
Designed to protect the insurance excesses
that apply to liability policies that cover
tradesmen. Covers any excess up to the annual
aggregate limit.
pay out
understand
for taking cover)
• Excess cover levels £250, £300, £500,
£1,000 & £2,500

LIFESTYLE PRODUCTS
• Bicycle Protect
• Handbag & Briefcase Protect
• Gadget
• Domestic Home Emergency
• Landlord Home Emergency
• Single Appliance
• Multi Appliance
• Landlord Multi Appliance
• Family Professional / Legal Protection
• Commercial Legal Protection
• Landlord Legal Protection

Bike Protect
What is Bike Protect?
The policy entitles you to
repair or replacement of
your bicycle, once all
relevant paperwork has
been received and
extends to cover up to 60
days whilst you are abroad.
Depending on the level of cover you have
selected the policy will cover the bicycle you
stated on the application up to a maximum
sum insured.
Accidental Damage : We will pay repair costs if
your bicycle is damaged as the result of an
accident.
Theft : If your bicycle is stolen we will replace it.
Where only part or parts of your bicycle have
been stolen, we will only replace that part or
parts.
Breakdown : Mechanical breakdown that
occurs outside the manufacturer’s guarantee
period.
Cover Levels : £500, £1,000, £1,500, £2,000,
£2,500 and £3,000
Personal Accident : We will pay the amount
shown if at any time whilst you are using your
bicycle, you are involved in an accident, which
shall solely and independently of any other
cause, bring about such bodily injury which
results in either death, loss of limb, loss of sight or
permanent total disablement.
The amounts we will pay under this section are:
• Loss of limb £5,000;
• Loss of sight £5,000;
• Permanent total disablement £10,000;
• Death £10,000;
Benefit under this section shall be payable to
you or your nominees, and shall be limited to a
maximum of £10,000 per person.
Exclusions
• Accidental damage caused by you
deliberately damaging or neglecting the
bicycle;
• An Excess Fee of the first 10% of the
maximum cover limit for your bicycle,
with a minimum charge of £25.
• Any theft not reported to the police
within 24-hours and a crime reference
number obtained

What is Handbag & Briefcase Protect?
The policy entitles you to replacement of your
handbag / briefcase, its contents and your
personal items, once all relevant paperwork has
been received and extends to cover up to 90
days whilst you are abroad.
This policy covers up to a maximum value per
claim (the maximum claim value can be found
on your Schedule of Insurance) and allows up
to a maximum of two claims to be made within
any 12 month period.
POLICY COVER
Theft - If your handbag / briefcase, its contents
or your personal items are stolen we will replace
them.
Accidental loss - If you accidentally lose your
handbag / briefcase, its contents and your
personal items we will replace them.
Cover levels – Cover levels of £250, £500 and
£1,000
General conditions applicable to all sections
• The handbag / briefcase, its contents and your
personal items must be less than 36 months old with
valid proof of purchase in your name when the
policy is started.
• Any claims for personal items exceeding £100
where proof of purchases are not available
What we will not cover
• The first £25 of each theft & first £50 of each loss
claim.
• Theft from any vehicle unless your handbag /
briefcase, its contents or your personal items have
been concealed in a locked boot, glove
compartment or other internal compartment and all
the vehicle’s windows and doors closed and locked
and all security systems have been activated.
Damage must be caused by the thief and a crime
reference number relating to this damage and this
theft must be provided with your claim.
• Theft where the handbag / briefcase, its contents
or your personal items have been left unattended
when away from your home.
• Any theft not reported to the police within 48-hours
and a crime reference number obtained.

What is GADGET SUPERCOVER?
Electronic gadgets are now part and parcel of our
everyday lives and in addition to the inconvenience,
the cost of replacement can be expensive and
depending on the model can run into hundreds of
pounds.
Gadget Supercover will provide cover without the
need to claim on a main motor or household policy,
keeping any No Claims Discount intact.
Significant Features and Benefits
This policy provides cover up to the limit shown on
your Policy Schedule for the items you have insured
with us. This policy will provide cover for insured perils
that include:
• Accidental damage - We will pay for repair costs if
your gadget is damaged as the result of an
accident.
• Theft - If your gadget is stolen we will replace it.
• Loss - If you lose your mobile phone we will replace
it. No other gadget is insured for accidental loss.
• Breakdown - Electrical or mechanical breakdown
that occurs outside the manufacturers guarantee
period. This cover is not available on laptops.
• Worldwide Cover - Your gadget is covered for up
to 90 days abroad within any 12 month period.
Replacement or repair can only be dealt with once
you are back in the UK.
• Fraudulent Call Cover - If your mobile phone is
accidentally lost or stolen and is used fraudulently,
we will reimburse you for the costs upon receipt of
your itemised bill up to the maximum value of £2500.
• Cover for you and your immediate family
• Under the Accidental Damage, Breakdown and
Liquid Damage sections, items may be repaired
(where possible) or replaced, at our discretion
Levels of Cover Available
• Cover is limited to two claims per insured peril
during any single period of insurance.
• Cover levels of £500 & £1,000
• £250 / £300 / £750 / £1500 values on request
• In vehicle only versions also available
This policy will not cover:
• Accidental damage caused by:
- you deliberately damaging or neglecting the
gadget;
- routine servicing, inspection, maintenance or
cleaning; or
- any cosmetic damage
• Theft from any motor vehicle unless the gadget
has been concealed in a locked closed boot,
pannier, other closed internal compartment and all
the vehicle’s windows and doors closed and locked
and all security systems have been activated.
Damage must be caused by the thief and evidence
provided with your claim;
• Theft from any building, land or premises unless
force, resulting in damage to the building or
premises, was used to gain entry or exit;
• Any theft or loss not reported to the police within
48-hours and a crime reference number obtained;
• Any theft or loss of a mobile phone which has not
been reported to your airtime provider within 24
hours of you discovering the theft;
• The loss of gadget other than your mobile phone
• The gadgets must be less than 36 months old with
valid proof of purchase when the policy is started.
This insurance does not cover gadgets purchased
outside of the UK, or any gadgets purchased second
hand.
•There is an excess fee for all claims which must be
paid before your claim can be approved. This is first
£25 of each theft or accidental damage claim or
the first £50 of each accidental loss claim.

Domestic
Home
Emergency
What is Home Emergency?
Our Home Emergency insurance provides you with
an urgent response should you be faced with an
emergency at your home arising from a number of
potentially disastrous events that require assistance
from a reliable and reputable contractor. We have
arranged links with tradesmen all over the UK so that
your emergency can be assessed and a suitable
response put in hand with minimal delay.
What type of emergencies are covered?
1. Damage to or blockage, breakage or
flooding of the cold water supply and
drainage system;
2. failure of the main domestic hot water or
central heating system in your home to
function;
3. failure of the domestic electricity or gas
supply from a cause arising within your home;
4. roof damage caused by storm which results
in or is likely to result in internal damage;
5. damage to, or internal mechanical failure of,
the toilet cistern in your home resulting in
complete loss of function of the only working
toilet at your home;
6. damage to or the failure of external doors,
windows or locks which significantly
compromises the security of your home
7. ingress of water or compromised security
caused by subsidence or landslip;
8. impact damage by falling trees, motor
vehicles, aerials, masts, aircraft or other aerial
devices; or
9. loss of keys or damage to your keys or locks
preventing you from gaining access to your
home
10. vermin causing damage inside your home or
becoming a health risk to you
requiring urgent assistance to carry out repairs,
make your home safe or secure, prevent further
damage or gain access.
Significant and unusual exclusions or limitations
• You will be responsible for paying the first £50
of each and every claim.
• Any claim arising in the first 30 days of the
insurance period unless this is a renewal of
any policy covering the same risks
• You will not be insured for more than three
claims in any one period of insurance.
• Heating systems and boilers that are LPG
fuelled, oil fired, solar or un-vented or any air
conditioning equipment.
• No age limit on your boiler as long as all the
essential working parts are available. If not
possible to repair your boiler or you choose to
replace it at any time, as a customer, you
are entitled to a discount on the cost of
installing a boiler if we replace it for you.

Landlord
Home
Emergency
What is Landlord Home Emergency?
Our Landlord Home Emergency insurance provides
you with an urgent response should you be faced
with an emergency at your property arising from a
number of potentially disastrous events that require
assistance from a reliable and reputable contractor.
We have arranged links with tradesmen all over the
UK so that your emergency can be assessed and a
suitable response put in hand with minimal delay.
What type of emergencies are covered?
11. Damage to or blockage, breakage or
flooding of the cold water supply and
drainage system;
12. failure of the main domestic hot water or
central heating system in the property to
function;
13. failure of the domestic electricity or gas
supply from a cause arising within the
property;
14. roof damage caused by storm which results
in or is likely to result in internal damage;
15. damage to, or internal mechanical failure of,
the toilet cistern in the property resulting in
complete loss of function of the only working
toilet at the property;
16. damage to or the failure of external doors,
windows or locks which significantly
compromises the security of the property
17. ingress of water or compromised security
caused by subsidence or landslip;
18. impact damage by falling trees, motor
vehicles, aerials, masts, aircraft or other aerial
devices; or
19. vermin causing damage inside the property
or becoming a health risk to occupiers
requiring urgent assistance to carry out repairs,
make your home safe or secure, prevent further
damage or gain access.
Significant and unusual exclusions or limitations
• You will be responsible for paying the first £50
of each and every claim.
• Any claim arising in the first 30 days of the
insurance period unless this is a renewal of
any policy covering the same risks
• Heating systems and boilers that are LPG
fuelled, oil fired, solar or un-vented or any air
conditioning equipment.
• No age limit on your boiler as long as all the
essential working parts are available. If not
possible to repair your boiler or you choose to
replace it at any time, as a customer, you
are entitled to a discount on the cost of
installing a boiler if we replace it for you.
• Any wilful or negligent act or omission by you
or your tenant
• Any costs incurred for work carried out other
than by an approved repairer
• Any home that has been left unoccupied for
more than 30 consecutive days

Single Appliance Protect
What is Single Appliance Protect?
This is a single appliance policy that covers most
repair or replacement costs for either a domestic
appliance or a consumer electronic product that
suffers breakdown as a result of abrupt mechanical
or electrical failure which prevents the item
operating normally and necessitates repair to restore
normal operation.
What type of appliances can I cover and how
many?
You can cover any ONE of the following domestic
appliances or consumer electronic products:
Dishwasher, Free Standing Cooker, Freezer, Fridge /
Freezer, Hob, Oven, Microwave Oven, Refrigerator,
Tumble Dryer, Washer/Dryer, Washing Machine DVD
Player/Recorder, Hi-Fi System, LCD/LED/Plasma
Television, Digital Receiver (Sky, FreeView, FreeSat),
Home Theatre Equipment, Sound servers of Wi-fi MP3
units.
To benefit from the cover, the item to be insured
should no longer be within the manufacturer
guarantee period and be less than 8 years old. In
addition the insured item must have been bought in
the UK, be owned by you and installed in your
home.
Cover Level A
You can insure either a domestic appliance or a
consumer electronic product and the maximum you
can claim is limited to £500 during the period of
insurance.
Cover Level B
can claim in any one period of insurance is limited to
£1,000.
Cover Level C
can claim in any one period of insurance is limited to
£2,000.

Multi Appliance Protect
What is Multi Appliance Protect?
Multi Appliance Protect covers most repair or
replacement costs for domestic appliances and
consumer electronic products that suffer breakdown
as a result of sudden mechanical or electrical failure.
many?
You can cover the following domestic appliances:
Dishwasher, Free Standing Cooker, Freezer ,
Fridge/Freezer , Hob, Oven, Microwave Oven,
Refrigerator, Tumble Dryer, Washer/Dryer, Washing
Machine and the following consumer electronic
products DVD Player/Recorder, Hi-Fi System,
LCD/LED/Plasma Television, Digital Receiver
(Sky,FreeView, FreeSat), Home Theatre Equipment,
Sound servers of Wi-fi MP3 units.
The policy can cover a maximum number of 5 or 10
items depending upon the cover option you select
provided you specify what they are, how much they
cost and when you bought them at the time you
take out the policy.
To benefit from the cover, all items to be insured
addition the insured items must have been bought in
the UK, be owned by you and installed in your
home.
Cover Level A
You can only insure domestic appliances (up to 5
items in all) and the maximum you can claim is
limited to £1,000 during the period of insurance.
Cover Level B
You can insure a mixture of domestic appliances
and consumer electronic products up to a
maximum of 10 in all. The maximum you can claim in
any one period of insurance is limited to £3,000.
Cover Level C
Similar to Cover Level B but with the maximum
amount you can claim during the period of
insurance increased to £5,000.

Landlord Multi Appliance Protect
What type of insurance is it?
This is a multi-appliance policy that covers most
repair or replacement costs for domestic appliances
that suffer breakdown as a result of sudden
mechanical or electrical failure.
many?
You can cover the following domestic appliances:
Dishwasher, Free Standing Cooker, Freezer, Fridge /
Freezer , Hob, Oven, Microwave Oven, Refrigerator,
Tumble Dryer, Washer/Dryer, Washing Machine.
The policy can cover a maximum number of 3 or 5
items depending upon the cover option you select
provided you specify what they are, how much they
cost and when you bought them at the time you
take out the policy.
To benefit from the cover, all items to be insured
addition the insured items must have been bought in
the UK, be owned by you and installed in a property
that you own.
What is the difference between Cover Level options?
There is no difference in the risks covered whichever
option you select. The differences are in the number
and type of products you can insure and in the
maximum amount that you can claim during the
period of insurance as follows:
Cover Level A
You can only insure domestic appliances (up to 3
items in all) and the maximum you can claim is
limited to £1,000 during the period of insurance.
Cover Level B
You can insure domestic appliances up to a
maximum of 5 in all. The maximum you can claim in
any one period of insurance is limited to £ 1,500.
What does the policy cover me for?
The policy is designed to pay for repair costs
following abrupt mechanical or electrical failure
which prevents the item operating normally and
necessitates repair to restore normal operation. If in
our opinion the item is beyond economic repair we
will, at our discretion, replace it with one of identical
or similar specification provided the cost of
replacement does not exceed the price paid for the
original item.
If the item to be replaced is more than four years old
a deduction for depreciation in accordance with
the age related scale set out in the policy will apply
to your claim.

FAMILY PROFESSIONAL FEES
What is the Family Professional Fees Policy?
The policy is designed to cover the cost of
professional fees charged by a claims handler,
solicitor or accountant following a specific
occurrence, provided that cover for that
occurrence is detailed within the policy wording and
is not specifically excluded within the policy
schedule issued.
The policy includes the following features (unless
specifically excluded by the policy schedule issued),
which are fully explained in detail in the policy
wording. The Claim Limits provided will be shown on
the policy schedule issued.
• Personal Injury - Death of or bodily injury
resulting from the negligence of another
person.
• Consumer Disputes - Pursuing or defending a
claim which arises from a contract for
services, purchase, hire, hire purchase or sale
of personal goods.
• Home Rights - Pursuing claims connected to
goods or services used in your home or an
infringement of your rights relating to your
home.
• Taxation - Professional Fees arising from or
relating to an Aspect Enquiry in excess of
£100 or an in-depth HM Revenue & Customs
investigation of your personal tax affairs.
• Employment - Disputes with Your employer
for compensation or reinstatement or re-
engagement on the grounds of unfair
dismissal or unfair selection for redundancy.
• Criminal Prosecution Defence - Defence of
your legal rights including appeal, where
criminal proceedings have been brought
against you.
• Education - Appealing against a decision of
a Local Education Authority arising out of the
LEA’s failure to comply with its published
admission policy resulting in the refusal to
accept the Insured’s child at the school of
their preference.
• Probate - The pursuit of a claim in respect of
a probate dispute involving the Insured
person’s parents, grandparents, children,
step-children or adopted children.
• Identity Theft - Defending a claim from a
financial institution, merchants or their
collection agencies. Removal of criminal or
civil judgments wrongly entered against the
Insured Person.
• Jury Service Expenses - The actual loss of
salary or wages of an Insured Person for the
time off work to attend a Court for Jury
Service provided the amount paid under this
section shall not exceed £100 per person per
day up to a maximum of £1,000 per claim.
• Legal Advice Helpline Service - Free access
to legal advice & assistance.
CLAIM LIMITS
• Any One Claim £50,000
• Any One Period of Insurance £50,000
• Unless detailed otherwise in the specific
section of the policy wording

COMMERCIAL LEGAL PROTECTION
What is Commercial Legal Protection?
The high cost of legal advice, coupled with
increasingly complex and changing employment
legislation, means few companies have the
resources or expertise to defend themselves against
legal action.
Employees are increasingly aware of their rights and,
encouraged by several high-profile cases and
increasing media coverage, are more likely to take
action if they lose their job or consider they have
been discriminated against.
Would you know what to do if:
•Your company was taken to an employment
tribunal?
•Your company was subject to a tax enquiry by
HMRC?
•The Health & Safety Executive prosecuted your
company following an accident at your premises?
Nice 1 Commercial Legal Protection offers
comprehensive cover for the main areas where
legal disputes may arise.
What we pay
The policy will pay legal costs up to £100,000
including solicitors’ and barristers’ fees, court costs,
expenses for expert witnesses, attendance
expenses, accountants’ fees and employment
compensation awards. It will also pay the costs of
appealing or defending an appeal.
What the policy covers
• Employment disputes and compensation
awards
• Defending your legal rights in employment
tribunals, contract disputes & statutory rights
breaches
• Employee Civil Defence
• Service occupancy
• Legal defence involving proceedings when
dealing with the police or the relevant Health
and Safety authority
• Statutory licence appeal - Appealing to the
relevant statutory or regulatory authority
• Contract disputes cover – negotiating legal
rights following purchase or hire or sale or
provision of goods or services
• Property protection and personal injury -
Pursuing your / your employees legal rights
following actions of damage against
property or incidents involving injury
• Tax protection - Full or aspect enquiries
Representing in respect of a full or aspect
enquiry carried out by HMRC.
• A £200 excess for aspect enquiries
• Cross-tax enquiries - Representing in any
dealings with HMRC in respect of a full
enquiry which includes a review of VAT
and/or Employer compliance.
• Employer compliance disputes -
Representing you in appeal proceedings
concerning your compliance with PAYE,
Social Security, Construction Industry or IR35
legislation and regulations.
• VAT disputes - Representing in appeal arising
out of a dispute with HMRC.
• Helpline services

Landlord Legal & Professional Fees
What type of insurance is it?
The policy is designed to cover the cost of professional fees charged by a claims handler, solicitor or
accountant following a specific occurrence, provided that cover for that occurrence is detailed within the
policy wording and is not specifically excluded within the policy schedule issued.
SIGNIFICANT FEATURES AND BENEFITS
The policy includes the following features which are fully explained along with exclusions and limitations in
full detail in the policy wording.
CLAIM LIMITS:
Any One Claim £50,000. Any One Period of Insurance £50,000 Unless detailed otherwise.
Section of Cover Cover Provided Specific Section Exclusions
Breach of Tenancy Agreement Pursuit following a breach by the
tenant of any of their obligations
under the tenancy Agreement.
Pursuit of Rent Arrears The pursuit of Rent Arrears which
commenced during the period of
insurance.
Professional Fees incurred in
connection with interest on Rent or
service charges payable by the
tenant. Any Rent payable after You
have recovered full and vacant
possession.
Eviction The eviction of anyone in the
property without your permission.
Legal Defence The defence of civil or criminal
proceedings in respect of any act or
omission by you arising from your
ownership or management of the
property.
Legal Advice Helpline Service Free access to legal advice &
assistance.
The helpline can provide general
advice only and cannot assist with
complex legal matters which may
require the review of
documentation and is not intended
to replace the services of a solicitor.

PRODUCTS PENDING
• Total Loss Protect
• GAP PLUS – Includes a replacement vehicle
• Breakdown Car / Van / Taxi
• Gadget / Bag Combination
• Gadget / Tools Combination
• Landlord suite – Rent Guarantee, Legal, B & C etc
• Commercial Suite
• Cyber Liability
• Professional Indemnity
• Travel
• Employment ET3 Legal
• Holiday Home Legal
• Helmets & Leathers
• Scratch, dent & alloy cover
• MOT Failure Cover
• Tyre Cover
• Uninsured Third Party Protection
• Windscreen & Glass
• Flood Excess Protect
• Commercial Property Owners LEI
• Home Buyers Protection
• I.D. Theft Protection
• Motor Legal Expenses
• Tradesman Professional Indemnity
• Taxi Legal Expenses
• Tax Fee Protection

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