Credit Agreement regulated by the Consumer Credit Act 1974

Policyholder name/borrower: Mr Marcel Oliver

Address: 15 Maria Street

Harwich
Essex
CO12 3HT

Creditor: Aviva Insurance Limited, Pitheavlis, Perth PH2 0NH

Credit intermediary/broker: Aviva UK Digital Limited, St Helen's, 1 Undershaft, London

EC3P 3DQ

Quote Number: 3217059475

This is a running account credit agreement to finance insurance premiums under any relevant policies that you have with us.
Your Agreement has no fixed or minimum duration.
The credit limit is £ 2,695.10. This reflects the total cost of your premiums under the relevant insurance policy or policies you
have with us at the time of making this Agreement, excluding interest and any advance payment(s). The first policy so
financed will be that referred to above. Your balance will reduce as you make your minimum monthly payments. It will
increase again should you decide to renew your policy or take out another policy funded under this credit agreement. We
may increase the credit limit if you make a mid term adjustment or ask us to finance further premiums and those further
premiums would take you over the credit limit you already have.
The credit will be provided from the date of this Agreement to finance the premiums under an insurance policy or policies that
you have with us. You will not be able to drawdown any funds in cash under this Agreement.

Initial Payment by credit/debit card: £ 244.96

Remaining 11 instalments: £ 274.43
Interest rate (Variable): 13.10%
Total Amount Of Credit: £ 2,695.10
Total Charge for Credit: £ 323.63
Annual Policy Cash Price: £ 2,940.06
Representative APR (Variable): 26.00%
Credit Agreement Term: No fixed duration
Total Amount Payable: £ 3,263.69

Calculation of APR
In calculating the above we have assumed credit up to your limit is drawn down on the date of this Agreement, and repaid in
11 instalments. In calculating the APR no account has been taken of any variation which may occur under this Agreement in
the rate of interest.

Interest
Interest is calculated each time additional premiums under a policy are financed under this Agreement, by calculating interest
on the total premiums being financed and then dividing that interest by the number of months unexpired on the relevant
policy, and aggregating the total interest on all premiums being funded under the Agreement for each month. It is then
applied immediately. Assuming interest rates are not varied, you will pay £323.63 interest to finance the policy referred to
above. This amount of interest has been included in the Total Amount Payable shown above.
We can vary the interest rate to reflect actual or reasonably anticipated changes in (i) bank base rates, (ii) our cost of funds
or (iii) legal or regulatory requirements affecting our business or the insurance market generally. We will notify you in writing
of any change at least 30 days before it takes effect and your monthly payments will change from the first monthly payment
after the change takes effect.

Payments
Monthly minimum payments must be made by you by direct debit on each payment date. We will notify you of this date
(which will be the same date in each month). If the payment date is not a day when banks in London are open for normal
business (a business day), the payment will be taken on the next business day. If there is no corresponding day in the
month, the payment will be taken on the last business day before that date. Monthly minimum payments will commence
approximately one month after the date the first policy financed under this Agreement commences. The monthly minimum
payments will be calculated by applying the premiums financed and interest on each policy and dividing by the remaining
term of that policy. We will aggregate the total payments where there is more than one policy to produce a monthly amount.

Insurance is arranged by Aviva UK Digital Limited trading as Quotemehappy.com. Registered in England No. 09766150. Registered Office: St
Helen's, 1 Undershaft, London EC3P 3DQ. Authorised and regulated by the Financial Conduct Authority.
Policies are underwritten and administered by Aviva Insurance Limited. Registered in Scotland, No. 2116. Registered Office: Pitheavlis, Perth PH2
0NH. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
 Based on the premiums being financed at the date of this Agreement, your minimum monthly payment will be £274.43 for 11
months. Monthly payments will vary when the interest rate varies and/or the amount of premiums financed varies. We will
give you advance notice if your monthly payments are changing.

Proceeds of Claims
You authorise us to deduct any outstanding debt under this Agreement from the proceeds of any claim or refund of premium
under any insurance policy financed by it.

Charges
You will be liable to pay us for any reasonable costs, charges and expenses that we may incur or have to pay to a third party
including legal costs which arise out of your breach of this Agreement. Interest will be charged on unpaid amounts at their
current interest rate, both before and after we obtain any judgment.

Your Rights
Right to Withdraw: You have a right to withdraw from this Agreement without having to give any reason. This right starts
either a) on the day after the Agreement is made, or b) on the date you receive a copy of the executed Agreement,
whichever is the later, and continues for 14 days from that day (the “Withdrawal Period”). To withdraw you must notify us that
you intend to do so within the Withdrawal Period. You can do this by contacting us at
https://help.quotemehappy.com/contact-form . If you withdraw you will need to repay the credit advanced and pay us interest
which has accrued from the date that we have provided the credit to the date that you repay it. This must be paid within 30
days of you giving us notice of withdrawal. We will inform you on request, without delay, of the daily amount of interest if you
draw down credit during the Withdrawal Period. If you withdraw in this way, your insurance policy will only remain in place if
you pay the premium due in full. If you do not, the policy will be cancelled. Settlement and Termination: You can repay all or
part of your balance at any time which will (subject to Condition 2 set out in the Terms of agreement) increase your available
facility. You can terminate this Agreement by paying your outstanding balance in full and notifying us that you wish to do so.

Missing Payments
Missing payments could have severe consequences and make obtaining credit more difficult and could lead to us obtaining a
court order (a judgment) against you.

This is a Credit Agreement regulated by the Consumer Credit Act 1974. Sign it only if you want to be legally bound by its
terms.

Signature(s) of Debtor(s):

Date(s) of signature(s):

Signed on behalf of Aviva Insurance Limited

Adam Winslow
UK & Ireland GI CEO

Please note: If you are (a) a limited company or (b) an LLP or (c) a partnership of 4 or more partners or (d) if the credit is
provided exceeds £25,000 and is wholly or predominantly for the purpose of your business, then notwithstanding any other
provision or statement in this Agreement, it will not be regulated by the Consumer Credit Act 1974.

Insurance is arranged by Aviva UK Digital Limited trading as Quotemehappy.com. Registered in England No. 09766150. Registered Office: St
Helen's, 1 Undershaft, London EC3P 3DQ. Authorised and regulated by the Financial Conduct Authority.
Policies are underwritten and administered by Aviva Insurance Limited. Registered in Scotland, No. 2116. Registered Office: Pitheavlis, Perth PH2
0NH. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
 Terms of agreement
1. This Agreement is made between us, the company named overleaf, referred to in this Agreement as “we” and “us” and you, the
customer, described overleaf and referred to in this Agreement as “you”.
2. We reserve the right to refuse to allow you to finance further premiums by using credit which would be otherwise available under this
Agreement, at any time for reasons relating to your creditworthiness. We will seek to give you prior notice but if this is not reasonably
possible we will notify you immediately afterwards.
3. Unless otherwise stated, all payments under this Agreement shall be made by monthly direct debit. It is not always possible, for pure
administration reasons, to debit the first and second payments within the first and second months of the start of the relevant policy
respectively. In this case the payments will still be calculated as set out overleaf and we will collect any outstanding payment(s) due at
the next instalment date.
4. If the premium payable under any policy/ies funded under this Agreement is/are adjusted, we will automatically adjust the outstanding
balance under this Agreement accordingly. If your balance increases due to an increase in the premium payable under a policy, then
we will apply the contractual rate of interest to the increased balance. We will advise you in writing of any change in the payment
amount and continue to apply to your bank for the monthly payment due. If a return premium results in a credit balance on your
account, we will automatically adjust the outstanding balance accordingly unless you have repaid your outstanding balance, in which
case the amount of the credit balance will be refunded to your bank account.
5. We can vary the interest rate under this Agreement to reflect actual or reasonably anticipated changes in (i) bank base rates, (ii) our
cost of funds or (iii) legal or regulatory requirements affecting our business or the insurance market generally. We will notify you in
writing of any variation to the interest rate at least 30 days before it takes effect. We can vary any other term of this Agreement to
reflect actual or reasonably anticipated changes in legal or regulatory requirements or guidance or to reflect reasonable changes in our
systems or procedures or in practices in the insurance market generally. We will give you at least 30 days’ prior written notice if the
changes are to your disadvantage.
6. This agreement has no fixed or minimum duration. It will continue until it is ended by either of us giving notice to the other. Your
obligation to pay all outstanding amounts due and payable under this Agreement will continue until all amounts you owe have been
paid. You may terminate this Agreement at any time by paying your balance in full and contacting us. If at any time the balance
outstanding on your account is nil and no payments are due, we may, on 2 months’ notice to you, terminate this Agreement.
7. If you default in making any payment when due, or fail to maintain a direct debit instruction, and such default or failure is not corrected
within a reasonable time, we reserve the right to terminate this Agreement, subject to giving you notice required by law. We may also
terminate the insurance policy/ies funded by this Agreement in accordance with the terms of the relevant policy/ies.
8. We reserve the right to terminate this Agreement, subject to giving you notice required by law, if you become bankrupt, in any way
perpetrate, attempt or are involved in, any fraudulent or other criminal activity in relation to this Agreement, any policy funded under
this Agreement, or in any other way in connection with us; or if any information you have provided as part of the application for this
Agreement is incorrect or incomplete.
9. If the insurance policy/ies funded under this Agreement is/are cancelled or has/have expired we reserve the right to terminate this
Agreement subject to giving you notice required by law.
10. On termination of this Agreement, the outstanding balance will become immediately due and payable. If you do not repay your
outstanding balance, the insurance cover under the policy/ies funded by this Agreement will be cancelled in accordance with the terms
of the relevant policy/ies.
11. You shall reimburse us against all reasonable legal and other costs, charges and expenses incurred by us in attempting to obtain
payment of any missed payments. We may debit these amounts to your account.
12. On occasion, we may relax the terms of this Agreement, for example by giving you more time to pay, but this will not prevent us from
strictly enforcing these terms in the future.
13. We hope that you will be very happy with the service that we provide. However, if for any reason you are unhappy with it, we would
like to hear from you. In the first instance, please contact us at the address shown at the top of this Agreement. If you have
complained to us and we have been unable to resolve your complaint to your satisfaction, you have a right to refer it to the Financial
Ombudsman Service, Exchange Tower, London, E14 9SR, telephone 0800 023 4567, email
complaint.info@financial-ombudsman.org.uk. Following the complaints procedure does not affect your right to take legal action.
14. We may assign, transfer or otherwise sell some or all of our rights and our duties (including our obligation to lend to you) under this
Agreement to any person. If the arrangements for serving this Agreement do not change as a result, we may do this without notice. In
other cases we will tell you as soon as possible. We may also arrange for any other person or business to carry out our rights or duties
(or both) under this Agreement. Your rights under this agreement and your legal rights (including under the Consumer Credit Act 1974)
will not be affected. You may not transfer any of your rights or duties under this Agreement.
15. The terms of this Agreement and our dealings with you are governed by English Law, unless your address is in Scotland, in which
case, Scottish law will apply or your address is in Northern Ireland, in which case the law of Northern Ireland will apply. The
non-exclusive jurisdiction of the English or Scottish courts or the courts of Northern Ireland (as appropriate) will apply. We will only
write to you in English.
16. Any notice to be served on you shall be sufficiently served if sent by post, facsimile, electronic mail, or delivered by hand addressed to
you at your usual or last known address or number, or address or number, as shown in this Agreement. Proof of despatch will be
conclusive evidence of receipt by you in the normal course of transmission.
17. Aviva Insurance Limited provides credit products to customers under consumer credit agreements and the supervisor for this is the
Financial Conduct Authority, 25 The North Colonnade, Canary Wharf, London E14 5HS (Firm Reference Number 202153). Aviva
Insurance Limited is a company registered with the registrar of companies for Scotland, Company Number 2116, registered office
Pitheavlis, Perth PH2 0NH. Aviva Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the
Financial Conduct Authority and the Prudential Regulation Authority for arranging and advising upon general insurance.
18. For information on how we use your personal data please refer to the Important Information provided to you when you purchase or
renew the insurance policy/ies funded under this Agreement.

Insurance is arranged by Aviva UK Digital Limited trading as Quotemehappy.com. Registered in England No. 09766150. Registered Office: St Helen's, 1
Undershaft, London EC3P 3DQ. Authorised and regulated by the Financial Conduct Authority.
Policies are underwritten and administered by Aviva Insurance Limited. Registered in Scotland, No. 2116. Registered Office: Pitheavlis, Perth PH2 0NH.
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.