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REGULATION

Agent:

This Policy is distributed by InsureWithMax.com which is operated by Riverside Underwriting Limited who are duly authorised to act as the agent for Vibe Syndicate Management Limited on behalf of Syndicate 5678 under Agreement Number B1232L10010005A19. Riverside Underwriting Limited is authorised and regulated by the Financial Conduct Authority (firm reference number 466942) for the sale and administration of general insurance products in the United Kingdom and throughout the Members of the European Economic Area (EEA).

Insurer:

Vibe Syndicate Management Limited on behalf of Syndicate 5678. Vibe Syndicate Management Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Vibe Syndicate Management Limited is incorporated in England with No. 05957729 Registered office: 5th Floor, 90 Fenchurch Street, London, EC3M 4ST

Syndicate 5678 trades with the Lloyd’s ratings of A+ Standard & Poor's, AA- Fitch and A from A.M. Best.

Details about the extent of regulation by the Financial Conduct Authority are available on request. These details can be checked on the FCA’s Financial Services Register via their website www.fca.org.uk or by contacting them on 0800 111 6768.

Regulation, Jurisdiction and Law:

This Policy is issued from the United Kingdom and shall be governed by the Laws of England and Wales, whose courts alone shall have jurisdiction in any dispute. Sold in accordance with the standards laid down by the Financial Conduct Authority the recognised Regulator in the United Kingdom. The provisions of the Consumer Insurance (Disclosure and Representations) Act 2012 apply.

Tax:

The claim payment is tax-free. InsureWithMax.com will charge the amount of Insurance Premium Tax as directed by Her Majesty’s Revenue and Customs (HMRC). The Government may change the tax position.

Right to Cancel the Policy:

We will refund your premium in full if within fourteen (14) days of purchasing this Policy you decide that it does not meet your needs, provided that you have already paid the premium in full and have not reported or intend to report a claim.

After the fourteen (14) days has expired, you may cancel the Policy but will not receive a refund.

We may at any time cancel the Policy giving you fourteen (14) days' written notice to your last known address where there is a valid reason for doing so. Provided the premium has been paid in full, you will be entitled to a proportionate refund of premium in respect of the unexpired period showing on the Policy.

Sanctions checking:

We screen high risk individuals and fulfil compliance and anti-money laundering obligations by looking at various sanctions and watch lists issued by governments, financial market regulators and law enforcement bodies from across the world.

Claim Notification:

We have appointed Orchard Administration Limited to handle all claims on our behalf. You should submit your claim with all supporting documents online to Orchard Administration Limited who’s contact details are:

    Web: http://claim.orchard-administration.co.uk
    Email: assistance@orchard-administration.co.uk
    Address: Third Floor, Riverside House, Maidstone, Kent, ME14 1JH
    Tel: 0333 3230 095 or +44 1634 382 574 (Outside UK)
    Office Hours: 09:00 to 17:00 Monday to Friday excluding UK Bank Holidays

If you do not have access to the internet please call their number during office hours to arrange an alternative method of notification.

Complaints Procedure:

Any complaint should be addressed to:

Customer Resolution Team

Riverside Underwriting Limited

Third Floor Riverside House

Maidstone, Kent ME14 1JH

Opening Hours: Mon - Fri 9AM - 6PM

Telephone: 0333 323 0090

International Telephone: +44 (0)333 323 0090

UK Call Centre: 0333 323 0090

Email Us: CRT@riverside-underwriting.co.uk

You may also refer this matter to the complaints team at Lloyd’s

Complaints Lloyd’s

One Lime Street

London EC3M 7HA

Telephone: 020 7327 5693

Fax: 020 7327 5225

E-mail: complaints@lloyds.com

Website: www.lloyds.com/complaints

Details of Lloyd’s complaints procedures are set out in a leaflet “Your Complaint - How We Can Help” available at www.lloyds.com/complaints and are also available from the above address.

Your complaint will be acknowledged, in writing, within 5 (five) business days of the complaint being made.

A decision on your complaint will be provided to you, in writing, within 8 (eight) weeks of the complaint being made.

Should you remain dissatisfied with the final response or if you have not received a final response within 8 (eight) weeks of the complaint being made, you may be eligible to refer your complaint to the Financial Ombudsman Service in the United Kingdom. The contact details are as follows:

Financial Ombudsman Service

Exchange Tower

London

E14 9SR

Telephone: +44 20 7964 0500 (from outside the UK)

Telephone: 0800 023 4 567 (from inside the UK)

Fax: +44 20 7964 1001

Website: www.financial-ombudsman.org.uk

If you have purchased your contract online you may also make a complaint via the EU’s online dispute resolution (ODR) platform. The website for the ODR platform is www.ec.europa.eu/odr.

The complaints handling arrangements above are without prejudice to your right to commence a legal action or an alternative dispute resolution proceeding in accordance with your contractual rights

The Financial Ombudsman's decision is binding upon us but you are free to reject it without affecting your legal rights.

The Financial Services Compensation Scheme ("FSCS"):

FSCS covers Vibe Syndicate Management Limited and Riverside Underwriting Limited in the event that either is unable to meets its obligations. You may be entitled to compensation from the scheme in such circumstances but this will depend on the circumstances. For further information please contact:

    Financial Services Compensation Scheme
    10th Floor Beaufort House
    15 St Botolph Street
    London, EC3A 7QU
    United Kingdom
    Telephone: 0800 678 1100 or 020 7741 4100
    www.fscs.org.uk