Products Page

• Lifestyle Protect - Income and Payment Protection Insurance 3

• Cash Protect 4

• Excess Protect 5

• Multi Appliance Protect 6

• Gadget Protect 7

• Home Emergency Protect 8

• Garden Protect 9

• Briefcase & Handbag Protect 10 - 11

• Concierge Protect 12

• Vet Protect 13

• Premium Waiver Protect 14

• Car Protect 15

• Licence Protect 16

• Mis-Fuel Protect 17

• Scratch, Dent & Alloy Protect 18

• Total Loss Protect 19

• Theft Protect 20

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Products

Lifestyle Protect—Income & Payment Protection Insurance

A flexible stand alone income replacement product with the

following features:

• Benefit periods from 3 months through to 24 months

• Excess periods from 0 to 180 days

• Combinations of accident and sickness, unemployment and life

cover are available.

This is an existing product, with existing technology supporting it and

could be deployed.

The product meets the following criteria:

• It is inherently simple to both buy and sell

• Customers can up-sell to protect other liabilities during the

cover period

• The product includes counselling to all policy holders. It can also

be cancelled and re-opened at any time during the policy with

no penalty to the customer.

• Monthly cover for monthly premium, with commission paid

monthly.

• It is flexible enough to be suitable for all types of customers, as

long as they meet the straightforward criteria for the product.

• Customers who have elected to protect their monthly insurance

premiums with a premium waiver product will have a high

propensity to extend their cover further and purchase Lifestyle

Protect

Cash Protect - single premium and monthly premium

Cash Protect is a programme that can be sold as a single one off or

monthly policy to cover a consumer for a fixed sum up to 12 months

should they be made redundant or if they are unable to work due to

accident or sickness.

The key element to this policy is that it has no exclusions. We have

various options for this product, with variable monthly benefit

amounts.

We also include a cash sum on death.

The product is designed to be sold as cover for other specific Monthly

financial commitments for example, bills, mobile phones, car

insurance, gym membership and starts at only £29.95 RRP per annum.

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Products

A range of products designed to ensure that customers are not left

financially disadvantaged should they be unfortunate enough to have

to pay an excess on one of a range of policies.

Motor XS Protect

• Refunds the customers excess in the event of any fault or non

fault claim. Windscreen excesses are excluded.

• Non fault claims are paid should the policy holder not be able to

recoup their excess from the fault party within 6 months.

• The policy covers private cars, motorbikes, owner/user taxis,

driving instructors and motor homes.

• Cover levels can be selected from £100 to £2000 per year.

Commercial Vehicle XS Protect

• As motor excess product but for commercial vehicles. This policy

can cover vehicles up to 3.5tonne and fleets of up to 30 vehicles.

• Cover levels can be selected from £100 to £2000 per year.

Home XS Protect

• Refunds the customers excess in the event of a claim under their

buildings and contents policy.

• Cover levels can be selected from £50 to £2500 per year.

Tradesman Liability XS Protect

• Refunds the customers insurance excess in the event of a claim

under the Tradesman Liability insurance policy.

• Cover levels can be selected from £50 to £2500 per year.

Lifestyle XS Protect

• Provides cover for the excesses incurred in a range of insurance

policies; motor, home, pet, travel and medical.

• Cover levels can be selected from £250 to £2000 per year.

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Products

Multi Appliance Protect

Our product provides cover for electrical items in the home for a

monthly premium paid by direct debit.

• The customer selects 5 items, 2 of which must be a fridge or

freezer and a cooker. Those items are then covered for repair or

replacement with no depreciation.

• Both white and brown goods can be covered, including Sky

boxes, flat screen televisions, washing machines and

dishwashers.

• Monthly premiums start at £10 per month for 5 items and goods

can be added or removed as the customer requires.

• The product is supported by extranets allowing for quick

registration of the items to be covered, however we can also

support data dumps should the preference be to support the

product on a third party system.

• Cover is also available for multi gadgets and multi phones.

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Products

Gadget Protect

Gadget protect covers the accidental damage, extended warranty and

theft of your gadgets.

We offer worldwide cover for 60 days per annum.

The items we include in our cover are:

• Mobile phones

• Laptops

• MP3 players

• Ipods

• MP4 players

• Portable satellite navigation systems

• Cameras

• Games consoles

Items up to 5 years old covered (3 years for Laptops). It is the policy

holders responsibility to nominate substitute products. There is an

initial 30 day claim exclusion period.

Rates shown are inclusive of IPT and commission. All claims are subject

to a £40.00 excess and we provide online webform to simplify

enrolment. The maximum individual gadget value allowed is £1,000.

The 12 month aggregate claim limit is £1,000 for 3 items or £2,000 for

5 items. All items replaced are on a new for old basis.

Excluding Theft Including Theft

3 Items 5 Items 3 Items 5 Items

Monthly Rate £7.99 £9.99 £8.99 £10.99

Annual Rate £78.99 £99.99 £89.99 £109.99

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Home Emergency Protect

A range of Home Emergency covers providing the broker and

ultimately the customer with wider choice. We also offer mandatory

cover. Please ask for details.

• Home Emergency provides the customer with cover for the cost

of a tradesman to attend their home in the event of an

emergency. The level of cover offered can vary and this cover

includes labour costs and the cost of any materials.

• The options available include increasing levels of cover , from

£150 per call out to £750 per call out and cover can be taken

with or without an extension for central heating systems.

• Monthly, one, two and three year policies are available along

with mandatory cover for inclusion with home owner’s policies

insurance.

• The advantage to the home owner includes the peace of mind in

knowing that there is a 24 hour helpline available via which a

qualified and suitable tradesman can be sourced in the event of

an emergency within the home. In addition a claim under this

policy will not affect their buildings and contents premium.

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Garden Protect

Garden Protect is a stand alone policy that provides £1500 or £2500

cover per year against theft or damage to the customers garden. This

includes:

• Plants, garden equipment, sheds, fences and hedges.

• Where possible, repairs will be made but the policy allows for

replacement where necessary.

• Most buildings and contents policies are limited in the scope of

cover that they provide outside of the home itself. Garden

Protect provides that additional cover required to provide a

comprehensive package to your customer

• The customer can pay monthly or annually. The monthly retail

premium starts at only £2.95 per month with annual premium

starting at only £24.95.

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Briefcase & Handbag Protect

Briefcase & Handbag Protect provides the protection consumers need

against the everyday issues of having a briefcase or handbag stolen or

damaged. From only £24.95 per annum.

We all carry items of value around with us daily. Contained within our

briefcases or handbags are valuable items wanted by thieves i.e

Money, Purses/wallets, electronic items such as ipods, mobile phones,

blackberrys, the briefcase or handbag, credit or bank cards and sensi-

tive information personal to you.

Cover provided includes:

• Accidental damage and theft cover—The policy only covers

briefcases and handbags up to a value of £500 and £500 in total

per calendar year.

• Lost mobile phone service - we will assist you in cancelling your

mobile phone if lost or stolen.

• Get home fast service - we will arrange for a safe taxi to collect

and deliver you to an address following a named event.

• Find me a locksmith service - We will arrange for a qualified

locksmith to attend your home or car to gain entry should your

keys be lost or stolen.

• Get message home service - We will contact nominated friends

or family to give information agreed with you in the event you

need assistance following a named event.

• Emergency interpretation service - We will arrange an

interpretation company or person for you in the event you need

help.

• Emergency legal service - We will locate a qualified lawyer

should you require one to assist you in your loss.

• Medical emergency service - We will arrange for Medical

Counselling or Referral where required following a named

event.

• Lost or stolen card service - We will provide assistance where

cards are lost od stolen such as reporting to card issuer, provide

details of the legalities surrounding the loss, obtain crime refer-

ence number where applicable.

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• Emergency funds service - We will arrange for emergency cash

to be sent to you from a nominated source, in the event you

need cash following a named event.

• Emergency travellers cheque replacement service - We will

provide assistance where international traveller’s cheques have

been lost or stolen.

• Lost or stolen passport assistance service - We will provide the

required advice on how to replace a lost or stolen passport

worldwide following a named event.

• Concierge Protect - Our concierge service can provide you with

details on how to spend your leisure time while in an unknown

city or even trying to arrange your tickets at the best theatre in

town.

• Fraud alert service - A free check for you to review if your

personal information has been illegally traded or stolen. You will

be alerted by e mail and advice provided if your personal

information is detected.

With Briefcase & Handbag Protect you can rest assured that we will

provide not only an excellent range of services to help you in your day

to day life such as Concierge Protect, but we will help you get your

items replaced or identity back. We will also help you check your

personal details and information has not already been stolen.

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Concierge Protect

Our concierge service can be provided to your customers at a very low

annual cost. The service provides the individual and their family with

access to their own personal assistant. Its uses are countless, but some

of the more common requests are listed below:

• Booking tickets for concerts, sports events etc - even those that

are sold out. Assistance with travel, train and ferry times,

bookings and advice.

• Sourcing restaurants according to type, cost and location as well

as booking tables.

• Find an out of hours, approved tradesman for emergency

repairs.

• Message forwarding.

• Birthday or anniversary reminders as well as gift suggestions and

gift sourcing.

• The service will provide any service it can as long as it is legal

and ethical.

Concierge is a great service for your customers. It enhances your

brand, builds trust and loyalty amongst your customers and

differentiates your product from the competition. Of course it is also a

great sales tool to enhance the conversion rates of your core products.

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Vet Protect

Vet Protect is a new, simplified approach to pet insurance,

minimising the effort and time required to obtain a quotation for cats

and dogs. Our pet product provides the following benefits:

• Lifetime cover from 8 weeks old.

• Up to £10,000 medical treatment cover per annum.

• Simplified cover to provide cover for vets fees only.

• No postcode rating.

• No loading for breed of animal.

• Simplified age rating - under 5 years and over 5 years.

Nice 1 can provide an online quotation system for the submission of

policies and delivery of policy documents.

This product is available for sale via veterinary practices, brokers, re-

tailers and online.

Costs start at only £14.15 per month or £154.35 per annum RRP.

Products

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Premium Waiver Protect

Premium Waiver can either be sold as an option or included on a man-

datory basis. It protects the customer’s monthly motor or buildings

and contents insurance premiums.

• The product provides up to 12 benefit payments of up to £250

per month ensuring that the customer’s cover is maintained

should they be unable to work due to accident, sickness or

unemployment.

• Our product’s unique selling point is that it has no exclusions

thus ensuring that the sales process is much quicker but also

less exposed to any compliance risks.

• Selling premium waiver to your customers is, in our view a great

mechanism to allow an up-sell campaign for Lifestyle Protect,

through which you can generate a meaningful level of additional

income.

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Car Protect

Car Protect comprises a wide range of automotive related insurance

products as well as access to an outbound facility to allow the moneti-

sation of your live motor policies using these products.

The following products are currently available:

• Car Warranty

• Gap and multi Gap

• Key Cover

• Tyre Insurance

• MOT Cover

• Roadside Assistance

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Licence Protect

This policy provides benefits covering alternative travel costs incurred

by you for a period not exceeding twelve months if, during the period

of insurance, you are prevented from driving as a result of:-.

• Disqualification following the accumulation of twelve ort more

penalty points.

• Disqualification for a single speeding offence.

• Disqualification under any similar legislation in force in Scotland,

Wales or Northern Ireland.

The level of monthly benefit can be selected from £500 to £2000. The

premium charged will vary according to the benefit required, the age

of the driver and the existing number of points on the licence.

There are some exclusions:

• Drivers under the age of 25.

• Drivers with more than 8 penalty points on their licence.

• Drivers who have held their licence for less than 2 years.

• Alcohol or drug abuse.

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Mis-Fuel Protect

Mis-Fuel Protect provides the following cover in the event that the

policy holder places the incorrect fuel in their vehicle:

• The contaminated fuel is removed from the tank.

• The tank is cleansed.

• £10 of the correct type of fuel is put into the tank.

• A maximum of 2 claims can be made per annum.

• Nil excess.

• Following this the fuel is disposed of in an environmentally

friendly manner.

• If necessary the vehicle will be taken to a repairer for additional

work to be carried out.

• Our service is supported by the only dedicated national network

of mis-fuel providers. The majority of cases, the problem will be

rectified on site.

• The policy holder is provided with a sticker with the claims line

which can be placed on the fuel filler cap.

• The indicative retail rate for this product is £29.99 per annum.

• We can provide multi-year rates as well as net rates if required.

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Scratch Dent & Alloy Protect

Scratch Dent & Alloy Protect provides the vehicle owner with protec-

tion against the day to day damage to the body work of their vehicle

and to the alloy wheels.

The policy is fully underwritten and supported by a national network

of mobile repairers who can make good the damage at an address of

the policy holders’ choosing.

• We offer various levels of cover per claim, from £250 to £1000;

and various levels of annual aggregate limits, between £500 and

£3000.

• The policy carries a standard excess of £25 per claim, this again

is variable.

• The recommended retail rates for this product start at only £120

per annum.

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Products

Total Loss Protect

In the event that the policyholder’s private car is declared a total loss,

Total Loss Protection will pay the policyholder 25% of the motor

insurer’s settlement.

Product Features:

• No restrictions on mileage or age of vehicle

• No restrictions on the make and model of vehicle (private cars

only)

• Net rated providing you the flexibility to determine income

levels

• Reporting is managed via bordereau, minimum data required

• The product can be sold mid term or as a 12 month policy

• Net rate charged is based on the motor insurance premium

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Products

In the event that the policyholder’s private car, motorcycle or van is stolen or declared a total loss, Theft Protect will provide a like-for-like replacement vehicle for up to 28 days. Product Features:

• 10 passenger car, 3 lcv, 3 motorcycle, 7 private hire groups

• 14, 21 & 28 day options - 1—5 year cover available

• Broker sets own commission - net rated

• Simple online fulfilment via http://www.theftprotect.co.uk

• Private & commercial vehicle cover

• Simple telephone & staff training provided

• Flexible data capture and submission - broker friendly

• Exceptional rates for mandatory sales process

• Ask about our “Guaranteed Courtesy Car” enhancement

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Next Steps

1. Agree to proceed

2. Create product and launch strategy

3. Implement strategy

4. Train and install

5. Launch

6. Enjoy services

7. Maintain close liaison to optimise sales

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