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Panacea Finance MMT Centre, Severn Bridge, Aust, Bristol, BS35 4BL, Tel: 0870 757 4427 Fax: 01454 634 594 Email: conister.trust@panaceafinance.net Credit Guide Credit Credit for more information on Conister Trust Ltd credit pacific service union

Customer log in Conister Trust Ltd Conister Trust Ltd is a licensed, independent bank in the Isle of Man who facilitates the payment of insurance premiums to eGroup Insurance. They are licensed credit business authorised by the Office of Fair Trading, Consumer Credit Licensing Bureau, Craven House, 40 Uxbridge Road, Ealing, London, W5 2BS, under the licence number 038088 to conduct consumer credit. Conister Trust Ltd has appointed Panacea Finance Ltd to administer the Direct Debit services provided to eGroup Insurance. For more information about Conister Trust please visit www.conistertrust.com Customer log in Help Desk

To help you find answers we ve provided you with an easy way to search through our frequently asked questions. If you wish to look through our FAQs manually click here credit first service union

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Q:

What products do you offer A: The following e-products are currently available and we plan to add many more in the future: Bike Insurance: www.ebikeinsurance.co.uk - The first online insurance solution to make you the customer take total control. Why bother with call centres and automated phone lines! card credit discover service

Third Party Fire and Theft

- This includes cover against Fire and Theft. It also covers you against claims made against your insurance by Third Parties. Third Party Only - This only covers you against claims made against your insurance by Third Parties. Fire and Theft only (Lay-up Cover) - This is only available as an adjustment to an existing policy and only if the bike is garaged. This is not available if your existing cover is Third Party Only. This covers your bike against fire and theft only. This does not cover you to ride your bike or against accidental / own damage or for claims made against your insurance by Third Parties. credit public service union

There will be a total of ten payments (one deposit paid to eBike via card + nine monthly Direct Debit payments) for twelve months of cover. On our Pay As You Go policy, payment is made online by card. Your card details are held on a secure payment site called orldPay this is part of the Royal Bank of Scotland, and payment is made automatically every month via a FuturePay agreement. card credit processing service

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If you have set up a policy, and the start date and time needs to be changed, please either email us at enquiries@ebikeinsurance.co.uk or call us on 0845 219 0564 (This line is available only between 9am and 5.00pm Monday to Friday.) card credit service wireless

change chnage incept inception date start commence commencement policy begin beginning wrong incorrect future begun time Q: Do you do one day/temporary cover A: No, we do not do one day or temporary cover. The minimum length of cover we can provide is for one month if you take out a Pay As You Go (PAYG) Policy. All of our other policies are on an annual basis. Please see also Will you cover me for taking the bike on a test ride Do you do one day test insurance credit security service union

temporary test ride drive 1 day cover one Q: How do I add on a motoring conviction How do I add on my speeding fine How do I notify you about my SP30 A: You must advise us of any Convictions when taking out or renewing a policy. Failure to disclose any material information or inaccuracies in the information given could invalidate your insurance cover and mean that part or all of your claim may not be paid. credit report service

If you allow your policy to lapse at renewal, your renewal invitation will act as your proof of No Claims Discount and should be acceptable to most insurers. After your policy has finished, you may request proof of no claims discount online: 1) Please go to our home page www.ebikeinsurance.co.uk. 4) Select the b Request Proof of NCD button next to the relevant policy. (This button will not be available if the policy is still running.) blogspot com christian

A letter detailing your Proof of No Claims Discount will be posted first class the next working day. This will be generated automatically and sent to the last address that we have on file. If you require your Proof of No Claims Discount to be sent to a different address, then please email us at enquiries@ebikeinsurance.co.uk. no claims cliams bonus discount ncd ncb proof Q: How long after not having insurance is my No Claims Discount / Bonus valid christian counseling credit

reduce cover fire theft laid up winter Q: Do you provide cover for Motorcycle Instructors and Observers A: Cover is provided for Motorcycle Instructors and Observers subject to the selection of the correct class of use: Observers (e.g. A volunteer aiding other riders to pass their Institute of Advanced Motorists (IAM) test) Cover is provided under Social, Domestic and Pleasure usage. credit federal service union

Instructors

(e.g. A full time tutor who is paid) Cover is provided under Business Class One usage. instructor instructors observers observe examin test learn Q: My MOT has expired. I have booked a MOT, am I insured to ride to the MOT test centre A: We do not provide cover to ride to a MOT test centre if the insured motorcycle does not have a valid MOT certificate; this is stated under General Exceptions point one in our online policy wording. Please Credit Guide Credit Credit to view. credit monitoring service

You will be provided with a high level of cover, including: Roadside repairs Home breakdown Vehicle recovery Getting you to your destination More information is available from our online policy wording. Please Credit Guide Credit Credit to view. breakdown broken down recover recovery tow roadside assistance help home included Q: How do I Change my Telephone Number A: 1) Please go to our home page www.ebikeinsurance.co.uk . credit division service

5) Click on ake Multiple Changes /b . 6) Overtype the telephone number, and then proceed through the policy. 9) Proceed to the uote Screen /b by clicking ext Step /b buttons. 11) If you do not wish to proceed, you can abandon the change and your policy will remain unchanged. Following any changes online, new documents will be posted to you first class the next working day. card credit online service

If you have more than one eGroup policy, please repeat steps 4 to 10 for each policy. Telephone mobile number update amend change Q: How do I renew my Standard Annual policy without making any changes A: As eBike Insurance is an online company, you are required to renew your policy online. If you have a Standard annual policy and wish to renew for another year, please follow the instructions below: consumer counseling credit inc

3) If you have received your renewal invitation, you will be taken straight to the olicy Renewal page. 4) To check your details and renew your policy, click eview / Amend my Renewal Details /b 5) Check through your details on screen. 6) If all the details are correct, select roceed /b . 7) Details of your renewal premium will be given on screen. 8) Where applicable, you may add policy extensions, or change the level of voluntary excess. card credit fleet service

9) If you wish to proceed, tick the erms and Conditions /b box and click enew Now /b . 10) You may change your payment method at the payment stage. New documents will be posted to you first class the next working day. By clicking on Renew Now you are not committing yourself to renewing your policy. If you do not pay for your policy before the renewal date and time, then the policy will automatically lapse and cannot then be reinstated. card consolidation credit

After you renew your policy, you will have to wait until after your policy renewal date before you can make any further changes.

You must advise us of any Convictions when taking out or renewing a policy. Failure to disclose any material information or inaccuracies in the information given could invalidate your insurance cover and mean that part or all of your claim may not be paid. credit free online report

This outstanding policy benefit is available to all proposers who have 5 or more years NCD.

Once you earn 5 years NCD, with eBike your NCD will be guaranteed for life. ncb bonus protected protect Q: About eBike A: To find out more about eBike please Credit Guide Credit Credit . Information Q: Can I pay my Direct Debit early A: If you wish to early settle your finance at any point you can telephone 0845 219 0587, Conister Trust Ltd c/o Panacea Finance Ltd and pay in full. To make any amendments to your policy, including an early settlement, you will need to call 4 clear working days before your next payment date. credit federal first service

Q:

What is a disclosable medical condition A: If a rider has any of the following medical conditions or disabilities that may affect their riding ability, they must advise the DVLA. If the DVLA have not been advised, or the licence has been revoked, we will decline to provide cover. Riders must notify the DVLA if they have any of the following conditions: An epileptic event (seizure or fit) consumer credit service

Sudden attacks of disabling giddiness, fainting or blackouts Severe mental handicap A pacemaker, defibrillator or anti-ventricular tachycardia device fitted Diabetes controlled by insulin Diabetes controlled by tablets Angina (heart pain) when it is easily provoked by riding Parkinson disease Any other chronic neurological condition A serious problem with memory Serious episodes of confusion A major or minor stroke center credit family service

Any type of brain surgery or brain tumour Severe head injury involving hospital in-patient treatment Any severe psychiatric illness or mental disorder Continuing/permanent difficulty in the use of arms or legs which affects their ability to control their vehicle Persistent misuse of alcohol, illicit drugs or chemical substances in the past 3 years (do not include drink/driving offences) Any visual disability which affects BOTH eyes (do not declare short/long sight, colour blindness) credit reporting service

medical condition health epileptic diabetic heart problem stroke pain Q: How do I Make Changes whilst Renewing my Policy If you have a Standard annual policy and wish to make changes to your policy to take effect from the renewal, please follow the instructions below: 4) To amend your details and renew your policy, click eview / Amend my Renewal Details /b cca credit division service

6) Details of your renewal premium will be given on screen. 7) Where applicable, you may add policy extensions, or change the level of voluntary excess. 8) If you wish to proceed, tick the erms and Conditions /b box and click enew Now /b . 9) You may change your payment method at the payment stage. You must advise us of any Convictions when taking out or renewing a policy. Failure to disclose any material information or inaccuracies in the information given could invalidate your insurance cover and mean that part or all of your claim may not be paid. credit free report service

Renew renewal confirm accept lapse continue change adjust Q: I have received my renewal invite, but I need to make changes to the policy before the renewal is due. If you have a Standard annual policy and you have received a renewal invitation, but you require changes to be made to the policy prior to the renewal: 4) To make changes to your policy before the renewal date, click ake Changes to my Current Policy (before renewal) /b . card credit customer discover

7) Navigate to the appropriate section (Contact Details, Riders, Vehicles or Cover) and make the changes on screen. 9) Proceed to the uote Screen /b by clicking ext Step /b buttons - details of any change in premium will be given on screen. Please note: the premium quoted will be only from the date you have set for the change to take effect until the renewal. Any changes to your current policy will automatically update the renewal details. If you do make changes to your policy, you will still need to review and confirm your renewal details for them to take effect. An amended renewal quotation will be posted to you first class the next working day. credit repair report service

You will be unable to renew your policy until the change you have set has taken effect. Renew renewal prior before changes adjustment credit legal repair service

Customer log in Launched on 13th April 2005, eBike is the first direct motorcycle insurer to offer full online administration of your motorcycle insurance. The "e" sites provide revolutionary features for users, one of the more popular being that policyholders manage their policy entirely online. Mid term adjustments, adding riders, changing vehicle details, etc are all managed online. eBike has become one of the fastest growing motorcycle insurance sites in the country. At the end of March 2006 it had sold over 45, 000 Motorcycle insurance policies. eBike has since been followed by eVan in November 2005 and eCar has now been added to our product range. To report a claim please telephone our 24 hour claims notification helpline. For policies ending -LD: 0845 219 8550 For all other policies: 0845 219 0616 Breakdown Claims To report a breakdown, please phone our helpline, which is manned 24 hours a day, 365 days a year. For policies bought before 22/04/2008: 0808 168 0750 For policies bought after 22/04/2008: 0800 731 6147 Customer log in You can contact us by any of the methods below, or use our contact form. Got any questions 85% of questions are answered by our online helpdesk. Credit Guide Credit Credit to view. Customer Enquiries If you have any questions regarding your quote or policy, please email us at enquiries@ebikeinsurance.co.uk Please remember to include your quote or policy number so that we are able to deal with your query as quickly as possible. Our email helpdesk is open 8am-8pm Monday to Friday. Address eBike Insurance MMT Centre Severn Bridge Aust Bristol BS35 4BL Technical Helpdesk If you are experiencing technical difficulties with the website and need assistance please phone 0845 219 0564. Lines are open 9am to 5.00pm Monday to Friday. Please note our calls are recorded for training or monitoring purposes. Complaints eBike aims to provide a standard of service that will leave no cause for complaint. If you feel the high standards we set ourselves have not been met, please contact complaints@ebikeinsurance.co.uk If you are a current policyholder and are still not satisfied your complaint has been handled appropriately, you may write to: Financial Ombudsman Service South Quay Plaza, 183 Marsh Wall, London, E14 9SR. Email: enquiries@financial-ombudsman.org.uk Marketing For marketing enquiries only, email: marketing@egroupltd.co.uk Notice to Third Parties We will only discuss policy details with the policyholder, unless the policyholder has given us their permission for a Third Party to act on their behalf. We will need to gain permission from the policyholder before we will discuss policy details. Duty of Disclosure Feedback and comments Useful links We reserve the right to amend the level of the following charges at any time. You should also note that we will not be responsible for any fines or costs that you incur relating from late delivery of, or incorrect information on, any document relating to your insurance. The eBike instalment plan will be financed by Conister Trust Ltd which is arranged and administered on their behalf by Panacea Finance Ltd. Credit Guide Credit Credit for information about Panacea Finance and the Direct Debit process. Legal Expenses (if applicable) There is a charge of .20 included in all comprehensive premiums and 0 on all non-comprehensive premiums (both subject to Insurance Premium Tax if applicable) for Legal Expenses cover underwritten by I.G.I. Insurance Company Ltd. Breakdown Assistance (if applicable) There is a charge of 8. (subject to Insurance Premium Tax if applicable) included in all comprehensive premiums for breakdown assistance cover underwritten by DAS Legal Expenses Insurance Company Limited. back to top Data Protection Act For data protection act purposes, eBike Insurance and Southern Rock Insurance Company Limited will hold and process your personal data for insurance administration and for the marketing of our own and other insurance related products. For these purposes, the information may also be passed to selected third parties and reinsurers. All personal data supplied must be accurate and you must have the specific consent of those other persons insured to disclose their personal data. Under the Data Protection Act, 1998 you have rights of access to any personal information we hold about you in our records. If you have any queries in respect of confidentiality and data protection please contact us. To save one of these documents to your computer, right click (ctrl-click on a Mac) the relevant link, select "Save Target As" or "Save Link as", then choose where you'd like to save the PDF. Document File Size Download time (on dialup connection) Policy Wording 360kb 3 minutes Download Key Facts 48kb Less than a minute Download Keycare Summary 240kb 2 minutes Download Keycare Terms Conditions 240kb 2 minutes Download Replacement Vehicle Hire 285kb 2.5 minutes Download Legal Expenses Policy Summary 36kb Less than a minute Download Customer log in eBike Insurance - Welcome to eBike Insurance Whatever motorcycle you ride, eBike insurance can provide a great online insurance quote.

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• CareCar Insurance get a quote, buy and manage your policy online 24 hours a day, 7 days a week
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Welcome to eBike Insurance

The first online bike insurance solution that lets you manage your motorcycle insurance policy in your own time. Why bother with call centres and automated phone lines? Our unique system saves you time while reducing the cost of your bike insurance quote. You may own a Honda, Yamaha, Ducati or BMW, have just bought a Kawasaki or want cover for your Suzuki or KTM. Whatever you ride, we offer cheap bike insurance deals to suit your needs. credit service union worker

You may be looking for Classic Bike Insurance, wanting to add Multiple Bikes and Riders to one policy or need flexible bike insurance with a Pay As You Go Monthly Policy that gives you cover only when you need it. 1st credit service union

Selecting the right cover couldn t be easier and cheap bike insurance is only a click away. eBike Insurance provides you with great value bike insurance and saves you money by providing insurance direct. We re not brokers like many other bike insurance companies and pass on the savings to you the customer in the form of competitive quotes. card chase credit customer

We also provide quotes for car insurance, van insurance and home insurance motorbike insurance Rider Power Award 2007 - VOTED NO.1 Best Internet Service. VOTED NO.1 Best Internet Service. . . Home | Terms of business | Duty of disclosure | Privacy and security | Site map card chase credit service

eBike Insurance products are underwritten by the Southern Rock Insurance Company Limited who are authorised and regulated by the Financial Services Commission. eGroup Limited registered office: 21 St. Thomas Street, Bristol, BS1 6JS. Registered in England and Wales no. 5474804. citi credit monitoring service

• Standard Policy Welcome to eBike Insurance Annual Cover with a variety of payment options Get a Quote credit plus service union

• Classic Policy Welcome to eBike Insurance Annual Cover for the serious classic enthusiast Get a Quote credit farm service

• Pay As You Go Policy Welcome to eBike Insurance Monthly cover for people who only ride occasionally Get a Quote 1st credit federal service

Features and Benefits

• Protected NCD for life
• NCD Accelerator
• Breakdown Cover Included
• Helmet Leathers
• European Cover Included
• Legal Cover Included
• Multiple Bikes and Riders

• Standard Policy
• Classic Policy
• Pay As You Go Policy

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Existing customer? Login

• Amend your policy
• Renew your policy

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eBike Insurance - Standard Annual Policy

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Standard Annual Policy

The eBike Standard Annual Policy offers outstanding cover and flexibility. credit one service union

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