These General Conditions form part of and should be read with the other part of this Agreement.

1. Repayments

   1. Instalments are due as described in section F of this Agreement.
   2. You agree to make payment of the instalments to us by Direct Debit in full and on the due dates. If you fall behind with the payment of instalments, or fail to notify us of a change in your bank/building society account, or your Direct Debit Instruction is cancelled, we have the right to end the Agreement following the procedure set out in Clause 3 below.
   3. You agree to pay to us the instalments when due.
   4. You authorise us to debit the instalments by the payment method set out in Clause 1.2 above.

2. Allocation of Payments

   Any payments you make are allocated as follows:

   1. to pay off any arrears;
   2. to pay the instalment expected to be made at the time the payment is received; and
   3. to pay any costs and expenses due.

3. Termination

   1. We may end this Agreement, after giving you 14 days written notice, if:
      1. you break the terms of this Agreement (for example, you fail to make payment of the instalments);
      2. you commit an act of bankruptcy (such as failing to pay a debt as ordered by a court);
      3. you fail to make an instalment within one month of its due date;
      4. any information about you which you provided proves incomplete or inaccurate;
      5. any other circumstances arise which may reasonably lead us to believe that your obligations will not be met;
      6. the Direct Debit is cancelled or not maintained in accordance with the provisions of Clause 1;
      7. you fail to comply with any provision of this Agreement; or
      8. you break the terms of the insurance policy

      After the expiry of the notice we will demand immediate payment of the total balance outstanding under this Agreement.

   2. You have the right to end this Agreement. If you wish to do so you should let us know. The outstanding balance of the Policy premium must be settled in order for your insurance cover to continue under the Policy.
   3. If we terminate this Agreement, the termination procedure commences with a written notice to you from us setting out the reason for termination. You will be required to pay the total amount outstanding under this Agreement in relation to your insurance premium, together with any additional charges we have applied in accordance with the terms of this Agreement as a result of your breach, within fourteen days. If you do not pay the amount outstanding, your insurance and the contracts for any ancillary services which were paid for with the credit provided will be cancelled. Any refund, rebate or other sum payable to you on cancellation of the insurance or any ancillary services shall be used to reduce your liability to the company under this Agreement.
   4. If your insurance is cancelled in accordance with the terms of your insurance policy a balance may be due to us which is payable upon demand. If a claim has arisen in the current period of insurance cover then the balance of the year's premium shall become immediately payable.
   5. If you fail to make an instalment within one month of it's due date, we have the right to cancel the Policy with immediate effect.

4. Changes to the Policy

   The word Policy includes any amendments which we may make to your insurance cover at your request. This Agreement is variable to the extent of those modifications. If you ask us to change the cover provided under your Policy (for example, you need increased cover), and we agree to this, we have the power under this Agreement to change the instalments to reflect that change. We will tell you about the change before it takes effect. If you do not want to accept the change at that time, then you can cancel this Agreement by paying the outstanding balance of the premium due (including the increased premium if appropriate).

5. Notifying us of changes in your details You must notify us within fourteen days if you change any of your contact details including your address and email address provided above.
6. Transferring Our Rights We may allow another person to take over any of our rights and duties under this Agreement and you authorise us to give that person any financial or other information about you. Your rights under this Agreement will not be affected.

7. General

   1. If we do not enforce any condition of this Agreement, or we delay in enforcing the condition, this will not prevent us from enforcing the condition at a later date.
   2. It is possible that other taxes or costs not imposed by us may apply to this Agreement.
   3. English law applies to this Agreement and courts in England or Wales may deal with disputes in connection with this Agreement unless you live in Scotland where Scottish law will apply and Scottish courts may deal with disputes in connection with this Agreement. We have supplied this Agreement and other information to you in English and we will continue to communicate with you in English.
   4. If you are not satisfied with our service in providing the Loan, we have a complaint handling procedure that you can use to resolve such matters. You can get more information and details of the procedures by contacting us at the address provided on the front page of this Agreement or by phoning us on 0345 246 0449 (Home Insurance) and 0345 301 5286 (Renters Insurance). U K Insurance Limited is covered by The Financial Ombudsman Service. If you are still not satisfied after following these procedures, you can ask the Financial Ombudsman Service to review the complaint. Alternatively you can write to Financial Ombudsman Service, Exchange Tower, London E14 9SR or telephone 0800 023 4567 or 0300 123 9123 .
   5. Online Dispute Resolution - If you applied for this Loan online, then you can also submit your complaint to the Financial Ombudsman Service online by using the EU's online dispute resolution portal, which can be found at ec.europa.eu/consumers/odr/.
   6. If you have a complaint relating to the Policy, you should refer to the "How to Complain" section of your insurance policy booklet.