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ChildMinderInsurance for Registered ChildmindersSummary, Guide and Proposal

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www.mortonmichel.com

ChildMinder

More details of the cover can be found on pages 4, 5 and 6, which give a summary of the policy.

Value for moneyFor just £43, your ChildMinder policy will cover you for:

• Public liability

• Employers’ liability

• Damage to or loss of third party property

• Legal expenses

• Helplines for tax, legal matters,household repair support, medicaladvice and counselling.

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Making the right choiceWith ChildMinder insurance you know you havethe right level of cover supplied by a trulydependable insurance provider. It is well knownand respected by Ofsted and other registeringauthorities.

We at Morton Michel, together with SterlingInsurance Company Limited, have been insuringchildminders for longer than any other insurer.Because of our professional approach, we believeour service is the best. We pride ourselves on ourspeed and efficiency with same day turnaroundfor processing most policies and a rapid responseto claims.

ChildMinder gives you the insurance you need asa registered childminder, at an affordable price.ChildMinder has been specially designed forOfsted registered childminders who are on theEarly Years or Compulsory part of the Childcareregister. (If you are on the Voluntary part of theChildcare Register only, please contact MortonMichel before completing the Proposal Form.)ChildMinder is also suitable for childmindersregistered on the Care and Social ServicesInspectorate Wales register (Wales only), the CareCommission register (Scotland only) and with theNorthern Irish Health and Social Care Trust(Northern Ireland only). Childminders who arebased in the Channel Islands or the Isle of Manand registered with the relevant registeringauthority are also eligible. ChildMinder isprovided by leading childcare insurancespecialist, Morton Michel, which means you canbe sure you have the right cover, with no hiddenextra costs. And because insurance is ourbusiness, we have the professional insuranceexpertise to give you true peace of mind.

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Easy to understanddocumentationThis Summary and Guide is a clearly written, detailed summary of themain covers, extensions and exclusions of the ChildMinder policy, sothat you know what you will be covered for before you purchase yourinsurance. A full policy wording is available on request or you cancontact our experienced ChildMinder scheme underwriters on 0845 2570117 to discuss your insurance requirements further.

A full policy booklet, schedule and Employers’ Liability certificate will beissued when you take out the cover.

Plus... The Morton Michel ChildCare ClubInsure with Morton Michel to receive FREE entry to the ChildCare Club, giving you a wholeworld of fantastic extra benefits:• Creative Minds magazine - A fantastic digital magazine, packed full of great inspirational ideas for active young

minds.

• EYFS Training Guides - designed to support childcarers who wish to update their EYFS knowledge and helpthem to successfully implement the Early Years Foundation Stage.

• ChildCarer e-newsletter - monthly e-newsletter edited by early years journalist James Tweed, keeping you up-to-date with news and views from within the childcare sector. Monthly draw - great childcare related prizes tobe won!

• Amazing discounts for trips to Legoland Windsor, Legoland Discovery Centre, Chessington World of Adventuresand Sea Life centres.

• Great discounts to many of the UK's top indoor soft play centres. They are all insured by Morton Michel so youknow that they are correctly covered.

• Fantastic discounts on Beaches Resorts by Sandals holidays. Choose from four spectacular locations in Turks& Caicos and Jamaica.

• Generous discounts from selected suppliers to the early years and childcare sector such as Activ Kids, BlueButterfly Flooring, Puppets by Post, Yellow Door, The ConsortiumEarly Years, Halfords, Tidy Books, Leaps and Bounds, FingershieldSafety UK and The Childcare Company.

• Subscription discounts to main early years and childcaremagazines such as Nursery World, Early Years Educator,Practical Pre-School, Creative Steps, Essential Childminder andNursery Management Today.

Visitwww.mortonmichel.com/childcareclubfor further information on these exciting benefits

Also...You will also be entitled to substantial discounts on other Morton Michel products like the ChildMinderOrganiser, Organiser refill packs and Fire Blanket. These are designed to help you to manage your businessas a childminder and comply with the requirements of your registration.

The ChildMinder Organiser comprises a carry case and two ring binders which have been specially designedto hold packs of our forms.

Policy Summary

• contingency motor liability – this doesnot replace or include ordinary motorinsurance and it does not cover the motorvehicle or its contents. It does provide coverif you use someone else’s vehicle (with theirpermission) on childminding business andmotor accident occurs for which you arelegally responsible, but the vehicle ownerdoes not have the necessary business coverin place.However, you must take all reasonableprecautions to ensure that any vehicle usedhas the appropriate motor insurance.

Territorial Limits

• anywhere in Great Britain, Northern Ireland,the Isle of Man or the Channel Islands.

Main Exclusions

• liability for accidental bodily injury to anyminded child not in your direct andimmediate personal care, custody or control(except in an emergency)

• property belonging to you or your familyor in your custody or control

• liability arising out of asbestos or itsderivatives

• terrorism, war and similar risks

• fines, penalties or liquidated, punitiveor exemplary damages

• treatment (other than first aid treatment,the administration of drugs/medicines inaccordance with policy conditions and theadministration/provision of oxygen, gastrofeeding, naso-gastric tube feeding, cleaningand changing of feeding andtracheostomy/tracheotomy tubes andemptying/changing of stoma bags inaccordance with policy conditions).

Public Liability Insurance

Limit of Indemnity £5,000,000If, as a registered childminder, you are held legallyresponsible for an injury (including death) to achild or third party, or for damage to a third party’sproperty then you will be required to pay damages.Public Liability insurance covers these damages upto the limit of indemnity.

Automatically Included• associated legal defence costs and

expenses incurred with our written consent –in addition to the limit of indemnity

• cover for your registered assistant orapproved helper, as stated on yourregistration certificate

• cover for the actions of any employee whilstunder your direct control and supervision

• attendance at exhibitions, crèches, meetingsand outings run for and on behalf ofregistered childminders

• providing babysitting services in accordancewith policy conditions

• food poisoning

• incorrectly administered first aid treatment

• administration of medicines and drugs inaccordance with policy conditions

• administration/provision of oxygen,gastro feeding, naso-gastric tube feeding,cleaning and changing of feeding andtracheostomy/tracheotomy tubes andemptying/changing of stoma bags inaccordance with policy conditions

• children with special needs

• use of trampolines, climbing frames, bouncycastles and garden swimming pools inaccordance with policy conditions

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The ChildMinder policy is underwritten by Sterling Insurance Company Limited (except where otherwisestated). This document summarises the cover provided by the ChildMinder policy and should be readcarefully before you complete the proposal form.

The Policy Summary does not contain the full terms and conditions, which can be found in the policydocument. A full policy document is available free of charge from Morton Michel.

Employers’ Liability Insurance

Limit of Indemnity £10,000,000(£5,000,000 if arising out of terrorism)If you are an employer, you are required by lawto have Employers’ Liability insurance. Thiscovers you in case an employee suffers anaccident at work for which you are held legallyresponsible. Employees include paid or unpaidsupervisors, students, work experience students,trainees and volunteers.

Automatically Included

• legal costs incurred in the defence ofcriminal proceedings in respect of a breachof the Health and Safety at Work etc Act1974 – limit £10,000 in any one period ofinsurance

• legal defence costs and expenses incurredwith the written consent of Sterling.

Territorial Limits

• anywhere in Great Britain, Northern Ireland,the Isle of Man or Channel Islands.

Property

Limit £1,000 any one occurrenceWhere no legal liability attaches to you, you willbe reimbursed for costs and expenses incurred byyou, with the company’s consent, in respect ofaccidental loss of or damage to:

• the property of a minded child

• any other person’s property caused bya minded child

• any other person’s property caused byyou as a registered childminder

• toys and play equipment on loan to youfrom a toy library.

Main Exclusions

• theft or attempted theft

• buggies and pushchairs

• toys whilst in use or play

• terrorism, war and similar risks.

(Your legal liability as a childminder for damageto other people’s property is covered under thePublic Liability section, Limit of Indemnity is£5,000,000. See page 4 and the frequently askedquestion ‘What happens if I have to replacedamaged property?’ on page 9.)

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Legal ExpensesLimit £50,000 any one eventCover, which is provided by DAS Legal ExpensesInsurance Company Limited (DAS), will pay yourlegal costs including solicitors’ and barristers’ fees,court costs, expenses for expert witnesses,attendance expenses and accountants’ fees.

Automatically Included• a legal representative to support you if you are

asked to go to the police station for matterrelating to your childminding work

• legal defence in the event of a prosecution arisingfrom your business activity such as alleged childabuse of the children that you mind

• taxation disputes with HM Revenue and Customs

• legal expenses required to appeal to Ofsted, orother registering authority, if your registration asa childminder is cancelled, suspended or yourrenewal refused

• supporting contract disputes of over £100, if aparent breaks with your contract terms

• supporting the recovery of a debt of over £100,if a parent fails to pay for your services

• employment disputes and compensation awardsthat might arise with your assistant childminder.

Main Exclusions• costs and expenses incurred before the written

acceptance of a claim by DAS

• costs and expenses in connection with a contractdispute or debt under an agreement entered intoprior to the inception of this section, if thedispute arises or if the debt is due within the first90 days of this section commencing

• civil claims which do not offer reasonableprospects of success.

Helplines

Helplines, provided by DAS, that giveprofessional advice and support areautomatically included with your policy. They areavailable 24 hours a day, 365 days of the year.

Advice is given on:

• Tax: including VAT, self-assessment, incometax and HM Revenue and Customs audits.

• Health and medical information: includingfood allergies, medication, childhoodillnesses, vaccinations, nutrition and exercise.

• Legal matters: including employmentand contract disputes. The legal helplinecan provide guidance on childmindingissues such as registration, inspections byOfsted (or other registering authorities) andsafeguarding children. You can also getadvice on the legal issues involved whenpreparing for your risk assessment.

Help is provided through:

• Emergency repair support: giving accessto approved contractors for plumbing,electrical, gas and roofing repairs (you willbe responsible for the cost of the repair).

• Confidential counselling: a valuable supportservice to help you through those difficulttimes whether because of stress, anxiety,depression, relationships, bereavement orhealth problems. It includes onwards referralto relevant voluntary and/or professionalservices where appropriate.

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More from Morton Michel

Morton Michel – The ChildcareInsurance Specialist

Founded in 1964, Morton Michel is a recognisedleader in childcare insurance. It has unrivalledexpertise in this field, which it applies to thedevelopment of its insurance products.

Morton Michel arranges cover for around 10,000nurseries and preschools, 20,000 childmindersand nannies, 6,000 out of school clubs andnumerous other social and voluntary groupsconnected with childcare.

Morton Michel is dedicated to providing topquality service to all its clients. It does not usecall centres so you will speak directly with aperson involved in organising your insurance,who can discuss any aspect of the ChildMinderpolicy. The company also provides promptsettlement of smaller claims on a direct basis.

Sterling Insurance Company Limited offers anextensive range of commercial and personalinsurances.

Established over 50 years ago, Sterling isparticularly renowned for its specialist policies,such as ChildMinder, which meet the needs ofspecific businesses or services. The companyprides itself on its efficient use of the latesttechnology in the administration of its policiesand in the swift settlement of claims.

Sterling has worked closely with Morton Michelfor over forty years and continues to do so today,underwriting Morton Michel’s specialist childcarepolicies. Together, their extensive experience ofthe childcare industry enables them to developpolicies that match the specific risks involved.This results in comprehensive cover atcompetitive premiums.

Sterling Insurance Company Limited

As well as ChildMinder insurance, we haveother insurances that we have developedespecially to support you as a childminder.

Household Insurance

Morton Michel’s household contents policy,ChildMinder HomeCare, is especially forchildminders.

Some household insurers will not coverchildminders who are running their businessfrom home, while others might withhold accidentaldamage cover for incidents caused by a mindedchild. Morton Michel’s ChildMinder HomeCare offersthe household cover that you need as a childminder.

For more details please call freephone:0800 975 4898.

Motor InsuranceIf you carry children in your car, you must make surethat you have adequate motor insurance cover inplace. Some insurers will charge an additionalpremium for this. Morton Michel’s motor policyautomatically allows you to use your car inconnection with your childminding business at noextra cost.

We believe that it is the only motor policy tospecifically state on your certificate of insurance thatyou are covered for: “social, domestic, pleasure andbusiness use in connection with childcare activities”.

For details of our competitively pricedmotor cover, please call freephone:0800 975 4898.

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Frequently Asked Questions

How many children am I covered for?You will be covered for a maximum of 12 childrenwhen working alone, or 18 when working withanother registered childminder.The number of children minded under 8 years ofage must be in accordance with your registerednumbers (under 12 years of age if in Scotland).

Am I covered for children aged over 8 years?Yes, the ChildMinder policy will allow you, as aregistered childminder, to mind children aged0-15 years.

Am I covered if I take the children on outings?Yes, the ChildMinder policy will cover youanywhere within the UK – whilst carrying outyour childminding activities.

Is my assistant covered by this insurance?Yes, the ChildMinder policy gives automatic coverfor registered or approved helpers to assist you,if they are stated on your registration certificate.Provided that you have written permission fromOfsted or your registering authority, the policy alsocovers them for sole charge care for short periodsof time.

Am I covered to take in a work experience student?Yes, the ChildMinder policy covers you to takein work experience students. Work experiencestudents cannot be left in sole charge of yourminded children.

Am I covered if one of my own children injures oneof my minded children?Your ChildMinder policy will cover your legalliability for this eventuality, as long as the childrenare under your supervision at the time of injury.

Am I covered for using a trampoline, climbingframe, garden swimming pool, bouncy castle orsimilar inflatable equipment in my garden?Yes, in accordance with policy conditions.

Will I receive a policy document telling me exactlywhat I’m covered for?Yes. When you take out a ChildMinder policywith Morton Michel you will receive a Scheduleof Insurance detailing your cover limits and apolicy booklet detailing all the policy cover andconditions so you can refer to them at any time.This gives you the peace of mind of knowingexactly what you are covered for.

Am I covered if I provide babysitting services?Yes, you are covered to mind up to six childrenin their own home at any one time, providingyou comply with the following policy conditions:i) you must have a note of the parent’s contact

details;ii) you must visit the home(s) where you are to

babysit beforehand, identify any associatedrisks, advise the parent of any such risks inwriting and take/recommend any appropriateaction;

iii) you must obtain the medical details andpermissions for emergency treatment inrespect of each child to be looked after;

iv) you must obtain the parent’s signatureconfirming the above information.

Am I covered if I work in a crèche?We are able to provide you with cover whilstworking as a childminder in a crèche, provided thatyou have advised us of this and we have agreed tothis in writing. You will also need to comply withthe following policy conditions:i) you must be working on a self-employed basis;ii) you must not work at the crèche for more than

2 hours per day;iii) the children you mind as a registered

childminder must not be with you whilst youare working in the crèche;

iv) you must have been asked to carry out thiswork by an authorised representative of alocal authority, Sure Start or children’s centre;

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v) the adult to child supervision ratio at the crèchemust be at least one adult to six children andmust comply with any restrictions stated inOfsted’s, or your registering authority’s,guidelines.

Am I covered for taking minded children in my car?Your ChildMinder policy will not cover you forusing your car in connection with yourchildminding business. You will need to check withyour current motor insurers to arrange adequatecover. Morton Michel’s motor policy is speciallydesigned to cover you in connection with yourchildminding business. If you would like aquotation please call freephone: 0800 975 4898.

So, what is contingent motor liability then?Contingency motor liability does not replace yourordinary motor insurance and it does not cover themotor vehicle or its contents. It provides cover ifyou use someone else’s vehicle (with theirpermission) on childminding business and a motoraccident occurs for which you are legallyresponsible, but the vehicle owner does not havethe necessary business cover in place. However, youmust take all reasonable precautions to ensure thatany vehicle used has appropriate motor insurance.

What happens if I have to replace damagedproperty?Unlike some other insurance companies, you arecovered under the Public Liability section of thepolicy up to the limit of £5,000,000 any oneoccurrence if you are legally liable for the damageand it occurred in connection with yourchildminding activities.

Even if the damage to someone else’s property wasnot your legal responsibility, you are stillcovered under the Property section of this policy,for costs and expenses incurred, with theCompany’s consent, up to £1,000 any oneoccurrence.

Is my own property insured?No. Property belonging to you and yourhousehold should be covered under a householdinsurance. If you would like Morton Michel toprovide a quotation for your household insurance,please call freephone: 0800 975 4898.

Supposing a child has an accident duringthe period of my insurance policy but doesnot bring a claim against me until monthsor years later, when I no longer have a policyin force?By law, a claim can be brought against achildminder up to a child’s 21st birthday – longafter they have left your care. Our insurance willcover you if you had a policy in place at the time ofthe accident and are legally liable for theaccident. Some other companies only offerpolicies that cover you during the time that you arepaying for the insurance so, as soon as you stoppaying, so does the cover. However, anyincident that could result in a claim being madeshould be reported to Morton Michel.

Does Morton Michel provide business stationery –such as contracts and child record forms?Yes. Morton Michel offers a complete range of topquality products to support your business needs atvery competitive prices. Each item canbe purchased individually or as the completeEasyMind package (see pages 10 to 12 for moredetails). Many childminders who qualify for a startup grant use part of their grant to take out theEasyMind package. Ask your Early Yearsdepartment if you are able to do this in your area.If your local Early Years department does not offerEasyMind as part of the start up grant, let MortonMichel know so that Early Years can be contactedon your behalf.

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Childminding Business Products

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Supporting your childminding business needsMorton Michel offer a range of stationery products designed to support Childminders and help you tocomply with the requirements of your childminding registration. We develop the products in consultationwith Early Years teams and our own Childminder Policyholders. Feedback is always welcome so if youwould like to discuss or suggest anything for our products please contact the Childminder team.

All our products are available to purchase in the Morton Michel eshop at www.mortonmichel.com/eshop

Easymind Plus• Childminder Insurance for one year• Complete Childminder Organiser containing all our stationery

packs• Fire blanket• New and improved look• Longer lasting and strengthened carry case• New style chrome handle• Lockable for extra security• Two ring binders also included• Same size as previous Childminder Organiser – no need to

replace previously ordered forms

Price: £143

Easymind• Childminder Insurance for one year• Complete Childminder Organiser containing all our stationery packs

Price: £124

Complete ChildMinder Organiser• Contains all our childminder stationery packs• New brighter carry case• Two ring binders included• Space for a third binder/journals etc

Price £80 (non-policyholders: £160)

ChildMinder Carry Case• Carry case and two ring binders only


Fire Blanket• Compulsory equipment for registered childminders• Conforms to BSEN standard• Measures 1.2m x 1.2m when opened• Bright red case


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Contact Sheet• Ideal reference sheet when on outings• Pack contains six additional sheets

Pack price £3.50 (non-policyholders: £7)

Monthly Planner• Perpetual calendar

• Note appointments and events

• Record daily activities

Pack price £4 (non-policyholders: £8)

Child Records• Key information on each child• Permissions and instructions in case of emergency• Pack contains six forms• Supplied with duplicate self-copying paper


Weekly Attendance Records• For up to 52 weeks• Shows which children have been attending and when• Helps you to avoid disputes with parents


Payment Receipts• Now perforated for your convenience• Supplied with self copying paper• Fifty receipts per pack


Financial RecordsPack contains:• 12 income sheets (to record monthly income)• 50 expenses sheets (to record weekly costs)• One annual calculator sheet to help with your tax return• Designed to help you keep accurate records


‘ChildMinder policyholders’ refers to Morton Michel Childminder insurance policyholders only.

If you are applying for ChildMinder insurance, please ensure you complete the proposal form.

Childminding Business Products

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Medication/Treatment Records• Twenty-four short term medication treatment record forms• Twelve long term medication treatment records forms• Record daily activities and plan ahead


Accident/Incident Records• Now provided with duplicate self-copying paper• Twenty accident/incident record forms• Thirty existing injury records• Helps you to keep the right information


Observation/Cause for Concern Records• Helping you to record your observations• Pack includes thirty-six Cause for Concern Record forms


Childminding Contracts• In plain, easy to read English• Pack contains six contracts• Includes key permissions• Supplied with duplicate self-copying paper• Constantly re-evaluated and updated


Policies and ProceduresContains guidance notes to assist with writing your policies and procedures:Includes:• Equal opportunities• Safeguarding children• Behaviour management• Special Educational needs• Sick child• Outings• Healthy eating• Working in partnership with parents and carers• Accidents/Incidents/emergencies• Child not collected• Complaints• Fire• Lost child• 24 blank pages included to write your own policies and procedures


5. Promise of satisfaction and serviceWe are confident that your ChildMinder policy willbring you complete satisfaction. We undertake torefund the premium in full if you are not satisfiedwith the cover provided by your policy if it isreturned within 14 days of issue, but if there hasbeen an incident which has resulted or could resultin a claim you must reimburse the Company for anyamounts we have paid or may be required to pay,in respect of that incident.

6. Duration of contractThe first period of insurance under yourChildMinder policy will be 12 months unlessotherwise requested by you and agreed by theCompany.

7. Financial Services Compensation SchemeWe are covered by the Financial ServicesCompensation Scheme (FSCS). You may beentitled to compensation from the scheme if wecannot meet our obligations. This depends on thetype of business and the circumstances of theclaim. Further information about compensationscheme arrangements is available from the FSCS,telephone number 0209 892 7300.

8. Notification of a claimIf you have a claim, or are aware of an incidentthat could result in a claim, please contact MortonMichel on 0845 2570900 or Sterling InsuranceCompany Limited on 0845 271 1300.

9. Enquiries or complaintsIf you have an enquiry or complaint regarding:

� the suitability of this policy for yourneeds; or

� the information and advice you receivedwhilst it was originally being discussed; or

� the operation or administration of thepolicy

or an enquiry concerning a claim that you mayhave made; you should contact Morton Michel atAlhambra House, 9 St Michaels Road, CroydonCR9 3DD; telephone number 0845 257 0900.

1. Sterling Insurance Company LimitedSterling Insurance Company Limited is a privatecompany limited by shares, registered in Englandand Wales number 498605. It underwrites generalinsurance business. It is authorised and regulatedby the Financial Services Authority (FSA). The FSA isthe independent watchdog that regulatesfinancial services.

FSA Register number is 202012. You can check thison the FSA’s Register by visiting the FSA’s websitewww.fsa.gov.uk/register or bycontacting the FSA on 0845 606 1234.

Sterling Insurance Company Limited is a member ofSterling Insurance Group Limited.

Registered Office:Ambassador HouseParadise RoadRichmond upon ThamesSurrey TW9 1SQ

Branch Office:50 Kings Hill AvenueKings HillWest MallingKent ME19 4JX

2. Disability Discrimination Act 1995In accordance with the Disability Discrimination Act1995 we are able to provide upon request atextphone facility, audio tapes, large printdocumentation and Braille documentation.Please advise us if you require any of theseservices to be provided so that we cancommunicate in an appropriate manner.

3. Law applicable to the contractWe propose to choose English law as the lawapplicable to the contract unless we agreeanother choice of law with you prior to thestart date.

4. PremiumsPremiums are payable annually to Morton Michel.Insurance premium tax, as imposed by currentlegislation, is incorporated into all premiums.

Customer Service Information

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www.mortonmichel.com KH2638 05.12

www.mortonmichel.com

If you have a complaint concerning a claim youhave made you should contact Sterling InsuranceCompany Limited, 50 Kings Hill Avenue, Kings Hill,West Malling, Kent ME19 4JX; telephone number0845 271 1300.

(A copy of Sterling’s complaints handlingprocedure is available on request by writingto the Customer Services Manager, SterlingInsurance Company Limited, 50 Kings Hill Avenue,Kings Hill, West Malling, Kent ME19 4JX or bytelephoning 0845 271 1300.)

If your complaint relates to the Legal Expensescover, please write to The Customer RelationsDepartment, DAS Legal Expenses InsuranceCompany Limited, DAS House, Quay Side,Temple Back, Bristol BS1 6NH or telephone 0117934 0066 or email [email protected] of the DAS internal complaint-handlingprocedures are available on request.

Please be ready to provide all relevant details ofyour policy and in particular your policy number(if allocated) to help your enquiry or complaint tobe dealt with speedily.

If you are not satisfied with the way in whichyour complaint has been handled, you may havethe right to refer it to the Financial OmbudsmanService at South Quay Plaza, 183 Marsh Wall,London E14 9SR;telephone number 0845 080 1800.

Please note that the Financial Ombudsman Servicewill normally only consider a complaint once wehave issued a final response letter.

Nothing in the terms and conditions of thispolicy will reduce your statutory rights relating

to faulty or mis-described goods or services.For further information about your statutoryrights, you should contact your local authorityTrading Standards Department or Citizen’sAdvice Bureau.

Following this procedure will not affect your legalrights.

10. Information about DAS Legal ExpensesInsurance Company LimitedDAS Legal Expenses Insurance CompanyLimited is a private company limited by sharesincorporated in England and Wales underregistered number 103274. It underwrites legalexpenses business. Its head and registeredoffice is DAS House, Quay Side, Temple Back,Bristol, BS1 6NH. It is authorised and regulatedby the Financial Services Authority and appearson the Financial Services Authority's registerunder number 202106. You can check this on theFSA’s Register by visiting the FSA’s Website.

11. Morton MichelMorton Michel Limited is a private company limitedby shares incorporated in England and Wales underregistered number 5120835.Its Registered Office is 3rd Floor, Chancery House,St Nicholas Way, Sutton, Surrey, SM1 1JB; its headoffice is Alhambra House, 9 St Michaels Road,Croydon CR9 3DD.It is authorised and regulated by the FinancialServices Authority (FSA) and appears on theFinancial Services Authority’s register under number527300. You can check this on the FSA’s Registerby visiting the FSA’s Website

Tel: 0845 2570900 Fax: 0845 2570547/0548 www.mortonmichel.com

Morton Michel Alhambra House 9 St Michaels Road Croydon CR9 3DD

Customer Service Information (continued)

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