Underwriters

Our policies are underwritten by one or a combination of insurers.

Royal & Sun Alliance Insurance plc for Buildings and Contents
Aviva Insurance Limited for MPPI for new borrowers (including re-mortgages)
Pinnacle Insurance plc for MPPI for existing borrowers
DAS for Home Emergency and Legal Cover

Royal & Sun Alliance

With an almost 300 year heritage, RSA is one of the world's leading multinational quoted insurance groups. It has the capability to write business in over 130 countries and with major operations in the UK, Scandinavia, Canada, Ireland, Asia and the Middle East and Latin America. Focusing on general insurance, it has around 22,000 employees and, in 2007, its net written premiums were £5.8bn.

Within the UK, RSA is the largest commercial lines insurer, covering the insurance and risk management needs of a significant number of FTSE 100 companies. It has a full multi-distribution capability, writing business through brokers and corporate partners, direct and online. RSA is also one of the UK's top three personal motor and household insurers.

Source: http://www.rsagroup.com

Aviva plc

Aviva is the world's fifth largest* insurance group and the largest insurance services provider in the UK. They are one of the leading providers of life and pension products in Europe and are actively growing their long term savings businesses in Asia Pacific and the USA. Aviva's main activities are long term savings, fund management and general insurance** and have premium income and investment sales of £51.4 billion#, with £381 billion+ of funds under management**. Aviva has 54,000 employees serving over 50 million customers in 28 countries around the world.

Aviva Insurance Limited is an Aviva group company.

* Based on gross worldwide premiums for the year ended 31 December 2008.
** Typically includes motor, household, creditor, health, commercial motor, commercial property and commercial liability insurance.
# For the year ended 31 December 2008.
+ At 31 December 2008.

Pinnacle Insurance plc

Formed in 1971 as Pinnacle Insurance Company Ltd, Cardif Pinnacle is part of global banking group BNP Paribas, a European leader in global financial services and one of the strongest banks in the world.

Cardif Pinnacle has established itself as a specialist provider of financial services and investment products. It continues to be one of the leading providers of creditor, warranty and protection insurance including medical cash plans, sports injury, pet healthcare, accidental death, personal accident and income replacement cover.

Cardif Pinnacle also leads the field with an award winning Claims Management Service. Its in-house medical team, CV review and rewrite support, employment workshops and claimant texting facility, help to ensure that customers enjoy a caring service as well as prompt and efficient payment of policy benefits.

Cardif Pinnacle currently employs circa 900 staff in the UK and Ireland, in addition to Cardif Pinnacle Group personnel based in the Republic of South Africa.

Cardif Pinnacle is a subsidiary of BNP Paribas Assurance, a global provider of insurance and savings products with a Standard and Poor's credit rating of AA. Key trading entities, Cardif Assurance Vie and Cardif-Assurances Risques Divers, have an S&P rating of AA+, as does BNP Paribas Group, our ultimate parent company.

Cardif Pinnacle is a trading style of Pinnacle Insurance plc.

DAS Legal Expenses Insurance Company Limited - Legal Expenses cover

DAS Legal Expenses Insurance Company Limited was established in 1975 and is the largest legal expenses insurer in the UK, with the head office based in Bristol. It is owned by DAS International of Munich, the largest legal expenses insurer in Europe and has a Standard and Poors rating of 'A'.

DAS's gross premium income in 2004 was £105 million. They have approximately 500 staff in the UK and are regulated by the Financial Services Authority.

DAS's major business partners include: Norwich Union, Halifax, Esure, Fortis, Groupama, Nationwide, NIG, AON, CIS. Co-Operative Insurance and Zurich.

DAS Legal Expenses Insurance Company Limited is authorised and regulated by the Financial Services Authority