Sparta Product Catalogue : 4 ranges, Motor, Excess, Personal & Legal and Commercial

1. Motor Products Level of Cover
Vehicle Assist : Insurer courtesy vehicle programs are not
always able to provide a suitable replacement vehicle, so
Sparta created Vehicle Replacement.
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). If unable to
provide a hire vehicle, the Insurer will pay the amount of
money they would have paid for the Vehicle Hire Costs.
Maximum of two claims during the Period of Cover.
We will arrange and pay for a hire
vehicle if your vehicle is:
• stolen, or undriveable following
• theft or attempted theft of vehicle
• criminal damage by fire (arson)
• vandalism or vehicle interference
• following incident where vehicle is a
total loss or if declared a total loss
following any of these events.
PLUS:-
• following road traffic accident with
another vehicle where vehicle is a
total loss or repairable
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. A moment's inattention
can lead to a costly mistake..
150,000 motorists misfuel every year.
• Cars, vans and motorcycles
• Roadside assistance companies
charge £200+ (Exc fuel).
• The cost to drain petrol, repair parts
and replace diesel fuel can come to
anything up to £3,000
Key Protect : Designed to look after your customers
should their keys be lost, stolen or broken. Theft or loss of
your vehicle or house keys. The policy will reimburse cost
of your key or lock replacement up to the policy limit.
Annual aggregate limits available. Reprogramming of
immobilisers, infRa-red handsets and alarms covered.
This policy provides covers up to
£1,500 in the event that any insured
keys are accidentally lost, stolen or
accidentally damaged.
•Up to £1,500 locksmith charges p.a.
• New locks and keys
• Car hire & onward transport costs
Tools in Transit Cover : Losing or damaging tools can have
a serious financial effect on a tradesman’s ability to earn.
Our Tools in Transit cover creates peace of mind when
tools and equipment are lost, damaged or stolen whilst in
transit or overnight, for a policyholder is still able to
continue with their trade.
• £500,£1,000, £2,500 £5,000, £7,500
or £10,000 cover
• Cover extends to such incidents
occurring in Great Britain and NI.
• Motor & liability policies supported
• Claimsline – A 24/7 claims service
RTI/Finance Gap PLUS Hire Vehicle This insurance is
designed to pay the difference between the amount paid
for the insured vehicle and the amount the motor insurer
will pay if they have declared the vehicle a total loss. The
policy will also provide an extra benefit in the form of a
hire vehicle similar to insured for a period up to 28 days.
(This benefit only provided to car and light commercial
van customers).
CV Finance GAP 3.5 - 44T This policy will pay the
difference between the Insured Value (The amount that
received under the Motor Insurance Policy in respect of
the Vehicle being a Total Loss) and the amount of the
Early Settlement Figure.
RTI Taxi Gap This insurance is designed to pay you the
difference between the amount paid for the insured
vehicle (usually known as the ‘net invoice selling price’)
and the amount your motor insurer will pay if they have
declared the vehicle a total loss (usually known as the
‘market value’).
•RTI (Return To Invoice) GAP for cars,
bikes, vans up to 35cwt &
motorhomes
•24, 36, 48 & 60 month policies.
•No restriction on age or mileage
•Vehicles up to £150,000 value
•Claim benefits* (*subject to policy
chosen) between £10,000 & £25,000
•Includes up to £250 motor excess
• If a Total Loss we pay the difference
between the Insured Value and either
the purchase price or the amount of
the Early Settlement Finance Figure,
whichever is the greater.
CV Finance Gap up to 44t for vehicles
up to £100,000
• 36, 48 & 60 month policies
• Benefits £10,000 - £20,000
• Glass’s Guide less than 6 years old
RTI Taxi Gap Not exceed £50,000
value
• 12, 24, & 36 month policies
• £5,000 and £10,000 benefits
• covers family saloons & MPV’s

2. Motor Products Level of Cover
Personal Accident Insurance (Motor)
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.
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.
How much will the policy pay?
1. Accidental death £30,000
2. Total loss of sight in both eyes £30k
3. Total loss of sight in one eye £5,000
4. Loss of one or more limbs £30,000
5. Permanent 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
Helmet & Leathers
However carefully you ride, the roads can be a dangerous
place and there's no escaping the fact that a good helmet
and proper protective clothing are essential.
Good quality helmets and leathers are expensive, and if
you do come off, they may well be severely damaged.
So it makes sense to protect them with a helmet and
leathers insurance policy.
COVER PROVIDED
 Up to £1000 for damage to
MC Clothing resulting from
a mc accident. £50.00
excess
 Repair or replace the Mc
Clothing if it is damaged
beyond repair (in the same
form and style) as new as a
result of a mc accident only.
 Cover extends to a
maximum of 45 days in the
EU (excluding the UK).
Helmet, Leathers & Personal Accident
As a result of a motorcycle accident within territorial
limits, the policy will pay up to the limit of indemnity if
you receive an injury which causes death, the loss of any
limb, or permanent blindness in one or both eyes.
We will also pay up to the limits of indemnity below for
permanent total disablement (excluding loss of sight or
limbs), which prevents you from engaging in any
remunerative occupation and in the opinion of an
appropriately qualified medical professional licensed to
practice in the Territorial Limits, is unlikely to substantially
improve.
Section Limit of Indemnity
Death £10,000
Total loss of sight £10,000
Loss of sight in one eye £5,000
Loss of limb £10,000
Permanent total
disablement
£10,000
Hospital Benfit £100 per 24 hours up to
£3,000
Emergency dental cover Up to £250
The personal accident benefit does
not apply to:
 Anyone under 18 and 70 or
older at the time of the
accident.
 Death or injury caused by
suicide or attempted
suicide.
 Death or injury while under
the influence of drugs or
alcohol.
 A disability occurring prior
to the period of the
insurance.
Any accident which occurs outside the
Territorial Limits

3. Excess Products Level of Cover
Private Motor: 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. Many customers find that the
higher the excess the lower the premium on the core
policy will be. This figure is almost totally dependent the
insured, their age and insurance claim history. Choosing
the right amount of excess can help make sure you get
the best deal.
• 9 Excess cover levels from £250 to
£2,000. Covers any excess up to the
annual aggregate limit.
Commercial Vehicle: 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
• 9 Excess cover levels from £250 to
£2,000. Covers any excess up to the
annual aggregate limit.
Business Car: 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. Brokers
report this is a particularly useful tool to convert business
use opportunities.
• 9 Excess cover levels from £250 to
£2,000. Covers any excess up to the
annual aggregate limit.
Caravan & Motorhome: 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.
• 9 Excess cover levels from £250 to
£2,000. Covers any excess up to the
annual aggregate limit.
Minibus: 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. Covers any excess up to the
annual aggregate limit.
• 9 Excess cover levels from £250 to
£2,000. Covers any excess up to the
annual aggregate limit.
Motorcycle: In the case of Motorcycle 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. Motorcycle XS Protect is included
within our Private Car XS policy. Covers any excess up to
the annual aggregate limit.
• 9 Excess cover levels from £250 to
£2,000. Covers any excess up to the
annual aggregate limit.
Motor Traders: In the case of Motor Traders 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. Motor Traders XS Protect is
provided within our specialist Commercial XS Protect
policy. Exclusive to and created in response to broker
requests.
• 9 Excess cover levels from £250 to
£2,000. Covers any excess up to the
annual aggregate limit.
Driving Instructor: In the case of Driving Instructors
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. Driving Instructor XS
Protect is included within our Private Car XS policy.
• 9 Excess cover levels from £250 to
£2,000. Covers any excess up to the
annual aggregate limit.

4. Excess Products Level of Cover
Fleet: 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. Available for small fleets of 1 – 4 vehicles.
Ask about our fleet & commercial combined policy,
discounted for blocks of 5, 10, 15 & 20 vehicles.
• 9 Excess cover levels from £250 to
£2,000. Covers any excess up to the
annual aggregate limit.
•Ideal for small fleets up to 4 vehicles
• Fleet & Commercial combined for
mixed car/van with excess cover
levels from £1,000 to £6,500
Commercial Combined: 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.
• Excess cover levels £300, £500,
£1,000 & £2,500. Covers any excess
up to the annual aggregate limit.
Multi Car: Designed for the multi car family fleet
Up to three vehicles from the same household covered
on one policy. Proving very popular with brokers who
insure or want to insure more than one person within a
household. Excellent product for growing customer
base with minimal effort.
• Excess cover levels £250, £500, £750
& £1,000. Covers any excess up to the
annual aggregate limit.
Tradesman: Designed to protect the insurance excesses
that apply to liability policies that cover tradesmen.
• Excess cover levels £250, £300,
£500, £1,000 & £2,500. Covers any
excess up to the annual aggregate
limit.
Taxi : In the case of taxi insurance, the type of vehicle to
be covered and driving history will have an effect on the
policy excess applied by the insurance company. Should
the policyholder be unfortunate enough to have to
make a claim and be asked to pay their policy excess,
they will have peace of mind knowing that the excess
will be reimbursed by our Taxi Excess Protect cover.
• 9 Excess cover levels from £250 to
£2,000. Covers any excess up to the
annual aggregate limit.
Buildings & Contents (Home) : Should the policyholder
be unfortunate enough to have to make a claim on their
home insurance and be asked to pay their policy excess,
they will have peace of mind knowing that the excess
will be reimbursed by our Home Excess Protect cover.
• 9 Excess cover levels from £250 to
£2,000. Covers any excess up to the
annual aggregate limit.
Lifestyle : 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 Motor & Home. Our
Lifestyle Excess Protect policy will reimburse the
insurance excess should a policyholder need to make a
claim on any of their home or motor policies with a
range of levels of indemnity to suit. A winner for
brokers keen to secure more policy covers from fewer
policyholders!
Cover levels:-
 Motor & Home
 9 Excess cover levels from
£250 to £2,000. Covers any
excess up to the annual
aggregate limit.

5. Excess Products Level of Cover
Car Rental Excess (UK & EU & Worldwide Versions
available) : This policy 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
in the benefits table opposite on a reimbursement
basis.
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 Sparta 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.
Benefits & Limits
Excess Cover
Europe
Worldwide
Towing cost
Personal
accident
Loss of sight,
limb(s) or
permanent total
disablement
Max payable in
event of death
Possessions
Overall limit
Max per item,
pair or set
Key Cover
Per claim/period
of insurance
Curtailment of
Rental
Per day/per
agreement
Drop off Charges
Lock Out
Misfuelling
Road Rage Cover
Carjacking Cover
Of Cover
£5,000
£50,000
£500
£10,000
£10,000
£300 (£50excess)
£75
£500/£500
£30/£300
£300
£100
£500
£1,000
£1,000
FLOOD EXCESS COMING SOON!
The team at Sparta are excited to reveal that we are currently developing the Flood Excess facility on our
website for UK insurance brokers. Residential, commercial and Landlord property variants will be
available soon.

6. Personal & Legal
Products
Level of Cover
Gadget All Risks: All Risks Premier Gadget Cover will
provide cover without the need to claim on a main motor
or household policy, keeping any NCD intact. Policy
covers accidental damage, theft, loss & breakdown, liquid
damage & unauthorised calls, texts or data use to the
three insured gadgets that your client chooses to insure.
<12 months old + proof of purchase.
What we will cover
If you lose your mobile phone we will replace it. No other
gadget is insured for accidental loss.
What we will not cover
 The loss of gadget other than your mobile
phone
 where the circumstances of the loss cannot be
clearly identified, i.e. where you are unable to
confirm the time and place of the loss.
 Any loss not reported to the police within 48-
hours and a loss reference number obtained;
 Any loss of a mobile phone which has not been
reported to your airtime provider within 24
hours of you discovering the loss;
General conditions applicable to all
sections
 The gadgets must be less than
36 months old with valid
evidence of ownership 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.
 If your claim is for a gadget up
to the value of £250 (when
new) the excess fee is £25 for
any claim.
 If your claim is for a gadget
between the values of £251 -
£999 (when new) the excess
fee is £50 for any claim.
 If your claim is for a gadget
over the value of £999 (when
new) the excess fee is £75 for
any claim.
Home Emergency £500 or £1,000 (Consumer):
Home Emergency insurance provides you with an urgent
response should you be faced with an emergency at your
home. Covers: cold water supply & drainage system, hot
water or central heating system, electricity or gas supply,
failure of only working toilet cistern, damage/failure
external doors, windows or locks, water subsidence or
landslip, impact damage, loss of keys, vermin damage.
Significant/unusual exclusion/limits
• first £50 of each and every claim.
• Any claim in the first 30 days
• No more than 3 claims
• Heating systems & boilers 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.
Home Emergency (Landlord): As consumer product,
provides an urgent response when faced with an
emergency at property. Covers: cold water supply &
drainage system, hot water or central heating system,
electricity or gas supply, failure of only working toilet
cistern, damage/failure external doors, windows or locks,
water subsidence or landslip, impact damage, loss of
keys, vermin damage.
As consumer but also excludes:
• Any wilful or negligent act or omission
by you or your tenant
• Any costs incurred for work other
than by an approved repairer
• Any property left unoccupied for
more than 30 consecutive days
Family Legal Protection : This policy provides cover for
the insured, domestic partner; any member of your
family permanently living with you; and any of your
children engaged in higher education who are
temporarily living away from your home for Employment
Protection, Consumer Contract Disputes, civil disputes
Protecting Your Property, Tax Enquiries, Personal Injury,
Clinical and medical negligence, Defence of Your Legal
Rights, Jury Service and Witness Expenses and Identity
Theft 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

7. Commercial Products Level of Cover
Commercial Legal Protection is a legal expenses
insurance contract designed to provide advice and
representation for your business and, for some insured
incidents, your employees, in legal disputes arising out of
your business activities.
 The most the insurer will pay for
any one insured incident arising at
the same time or from the same
originating cause is £100,000.
 The most the insurer will pay for all
employment compensation awards is
no more than £1,000,000 in total for
any one period of insurance.
 We will not cover any event or
dispute you were aware of before
this insurance started.
 The insurer will not pay any costs
incurred before we have accepted
your claim or costs which we have
not authorised in advance.
 There must always be more than a
50% chance that your claim willhavea
successfuloutcome.
 Yourchosen legal representative
must agree to our standard adviser’s
terms of appointment and the most
the insurer will pay is no more than
the amount that would have been
paid to our own choice of appointed
adviser.
Commercial Legal Protection (Including Contract Work)
is a legal expenses insurance contract designed to
provide advice and representation for your business and,
for some insured incidents, your employees, in legal
disputes arising out of your business activities.
We will select an appointed adviser of our choice to deal
with your claim.
Where it is necessary to issue legal proceedings or if a
conflict of interest arises, you are free to nominate a legal
representative of your choice (other than claims where
the insurer is liable to pay an award of compensation).
Insured Incidents Include:-
1. Employment Disputes
2. Employment Compensation Awards
3. Breach of Restrictive Covenant
4. Defence of Legal Rights
5. Protecting Your Property
6. Tax Investigation & Disputes
7. Personal Injury
8. Jury Service & Witness Expenses
9. Statutory Licence Appeals
10. Recovery of Undisputed Debts
 Helpline services for commercial legal & tax
advice
 Counselling on matters causing distress
Landlord Legal and Rent Guarantee Protection (when
selected) is a legal expenses insurance contract designed
to provide advice and representation for you in disputes
or prosecutions relating to the letting of your property.
The insurer will pay legal costs and expenses and, where
applicable, rent arrears, up to the limit of indemnity for
the insured incidents listed below.
1. Repossession
2. Rent Protection (when selected at time of purchase)
3. Rent Recovery
4. Alternative accommodation & storage costs
5. Damage to your property
6. Nuisance and trespass
7. Defence of criminal prosecutions
8. Contract disputes
9. Tax Enquiries
10. Witness Expenses
 Helpline services for commercial legal & tax
advice
 Counselling on matters causing distress
 The most the insurer will pay for any
one insured incident arising at the
same time or from the same
originating cause is £50,000.
 We will not cover any event or
dispute you were aware of before this
insurance started.
 Disputes with the tenant which arise
within the first 60 days of the start
date of this insurance, if the tenancy
commenced before this insurance
started (unless you had continuous
equivalent cover which expired
immediately before this insurance
commenced).
 The insurer will not pay any costs
incurred before we have accepted
your claim or costs which we have not
authorised in advance.
 There must always be more than a
50% chance that your claim will have a
successful outcome.
 Your chosen legal representative
must agree to our standard adviser’s
terms of appointment and the most
the insurer will pay is no more than the
amount that would have been paid to
our own choice of appointed adviser.

8. Sparta
3 Lombard Street
London EC3V 9AA
T: 0330 113 0003
W: www.sparta-
group.co.uk
E: enquiries@sparta-
group.co.uk