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This is a Policy Summary of the Flashguard Policy provided by Isle of Man Assurance Limited.

This summary does not contain the full terms and conditions of the insurance contract, which can be found in the policy document or are available upon request.

Flashguard is designed to provide funding for alternative transport arrangements in the event of you being prevented from driving as the result of disqualification as a result of a speeding offence or under the “totting up” rules.

The Policy is for a period of one year.

Main Features and Benefits

The Flashguard policy provides benefits in the event of: -

Disqualification as the result of a speeding offence or under the “totting up” rules.

Main Exclusions and Limitations

• Cover is only available to persons aged 18 or over who hold and have held a current full driving licence valid in the UK , CI or IOM, for a period of at least two years with no more than six current or pending penalty points.

• Cover will not include disqualification imposed as a direct result of drink or drug related offences or for dangerous or reckless driving.

• Benefits are paid for a maximum period of twelve months from the date of disqualification.

• Flashguard funding is limited to £6,000 per annum.

• Flashguard+ funding is limited to £12,000 per annum.

Cooling Off Period and Cancellation Rights: You will have a 14-day period, commencing when you receive your documents in which to cancel your cover and get all your money back (as long as you have not made a claim).

Claims: Should you wish to make a claim please write to Isle of Man Assurance Limited, Hope Street, Douglas, Isle of Man IM1 1AP or telephone 01624 681200.

Complaints: If you have a complaint regarding the service received from IOMA, please contact the Compliance Department. Complaints that cannot be settled can be referred to the Financial Services Ombudsman Scheme for the Isle of Man. Copies of IOMA's internal complaints handling procedures are available upon request.

Flashguard is underwritten by Isle of Man Assurance Limited, IOMA House, Hope Street , Douglas, Isle of Man and authorised by the Isle of Man Government Insurance and Pensions Authority and regulated by the FSA for UK business. Isle of Man Assurance Limited is permitted to conduct business with the UK, it is not authorised to carry on business in the UK which means that the management and solvency are not supervised by the Financial Services Authority and you will not be protected by the Financial Services Compensation Scheme if the Insurer is unable to meet its liabilities to you. Isle of Man Assurance Limited is a member of the International Underwriters Association.

Isle of Man Assurance is not subject to the same regulatory system as that applicable in the United Kingdom .



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