ate Zurich Insurance Company ‘UK General insurance Frecpost Zunch Taster Woiteey ans Porgcr on suri okiehonges2009 ‘onsfatesm sagi@uk curich.com rs esumeuh Hamper FO! Ou @ ZURICH’ October 2008 Zurich Insurance Company UK Branch Zurich Intemational (UK) Limited Important information about the proposed changes to the Zurich Financial Services Group Structure ‘This letter and the enclosed documents contain important information about our plans to change the internal Zurich Financial Services Group (“Zurich”) structure. You should take time to read them, Our records show that you hoki, or have held, a policy or have an interest in a policy (for example as a claimant) with one of the above companies. These companies are part of Zurich in the UK Zurich currently operates throughout Europe through a large number of general insurance and life insurance companies. Zurich isin the process of reducing the number of separate insurance companies within Europe through various restructuring initiatives. We now wish to simplify the Zurich company structure in respect of general insurance in the UK. ‘Summary of proposed changes Zurich proposes to transfer a number of general insurance policies, including your policy or claim, to the UK Branch of Zurich Insurance Ireland Limited ("ZIIL UK") on 1 January 2009. Zurich is also changing the company name and incorporation status of Zurich Insurance Ireland Limited to Zurich Insurance plc with effect from 1 January 2009. ‘To make these transfers we are following a process that includes an Application to the High Court of Justice in England and Wales ("Court"). The Court will assess whether itis satisfied that the changes are fair to policyholders and claimants. To ensure this is the case we have been working closely with the Financial Services Authority ("FSA"), our industry regulator, before writing to you. An Independent Expert, whose appointment has been approved by the FSA, has considered and prepared a report on how your interests might be affected. The Independent Expert has concluded that the transfer “will not have a material adverse impact” ‘on transferring and non-transferring policyholders and claimants. *K* -/0-OF‘What does this mean for you? ‘We would like to reassure you that there will be no change to how you currently deal with Zurich in the UK, including in relation to any claim or complaint. Your policy number, cover, premiums and policy terms and conditions will stay the same. To ensure that you have the information you need to consider our proposals, we have enclosed a booklet which includes a summary of the key elements of this restructuring and a summary of the Independent Expert's report. We have also enclosed a ‘Question and Answer’ sheet that helps to explain the changes by answering common questions. You can obtain a more detailed version of the proposals from our website, ‘www Zurich.co.uk/changes2009. Alternatively, you can obtain a free copy by writing to us at the ‘address shown on this letter or calling our helpline on 0800 0159 121. You do not need to take any action. However, if you believe that you would be adversely affected by the proposed transfer then you are entitled to object (in person, by written representation or by legal representation) at the hearing of the Application by the Cour. Please refer to the enclosed ‘Legal Notice’ for details of how to do this. ‘Who to contact for more information If you have any questions relating to the transfer, please call our helpline on 0800 0159 121 Lines are open from Sam to Spm Monday to Friday. Please note this number is only available for answering questions relating to this proposed transfer and not for general policy or claim enquiries. Please continue to use your current contact details for any questions about your polic’ or claim. (Once again, as your policy and the way you deal with us will remain the same during and after the transfer, you can be assured that you will continue to receive Zurich's protection on a continuing basis and there is no action required on your part. 46 0102705