masterquote car insurance
Terms of Business and Cancellation and Service charges
Status
masterquote is a registered trademark of BDML Connect Ltd, part of the Capita Group plc. Registered in England No 2785540. Registered address: The Connect Centre, Kingston Crescent, Portsmouth PO2 8QL. Policies are arranged and administered by BDML Connect Ltd, who are an independent intermediary authorised and regulated by the Financial services Authority ("FSA") FSA registered No.309140. You can check this information on the FSA website www.fsa.gov.uk or by contacting the FSA on 0845 606 1234. We
act on your behalf in arranging insurance cover with insurers
to meet your needs; and helping you with any ongoing changes
or claims you need to make. BDML holds money as agent of the
insurer. We offer a range of personal insurances and have
access to some of the leading insurers in the market place
- for motor insurance we can select from around 25 insurers. A full list of insurers is available upon request. You will not receive advice or recommendation from us.
Who regulates us?
BDML Connect Ltd is authorised and regulated by the Financial Services Authority (FSA). Our FSA number is 309140. Our permitted business is arranging general insurance contracts. You can check this information on the FSA’s register by visiting the FSA’s Website www.fsa.gov.uk/register or by contacting the FSA on 0300 500 5000. BDML holds money as agent of the insurer.
Who owns us
BDML Connect Ltd is part of The Capita Group plc.
What to do if you need to complain
Please phone our Customer Service Department on 0844 335 1028 or write to the Quality Manager, BDML Connect Ltd, The Connect Centre, Kingston Crescent, Portsmouth PO2 8QL.
Should you remain dissatisfied with our response, you may approach the Financial Ombudsman Service. Full details of our complaint procedure are given in our Policy Booklet, a copy of which is available on request.
Charges
In addition to premiums charged by insurers we make the following
charges:
Duplicate Documents |
£20.00 |
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All mid term adjustments |
£20.00 |
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Cancellation of the policy within the first 14 days |
Provided that there has not been a total loss claim and you have called us or written to us within the 14 days to confirm cancellation we will make a charge for the time you have been on cover plus £20.00. |
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Cancellation of the policy after the first 14 days |
Your policy is a contract for 12 months. If your insurance is cancelled for any reason after the first 14 days the following charges will be applied in addition to the charge made by your insurer for the cover you have had: |
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After 14 days (Private Car) |
1st Quarter |
2nd Quarter |
3rd Quarter |
4th Quarter |
There will be no return of premium if a claim has been made during the current year of insurance. If you pay by instalments, please also refer to your credit agreement. There is no refund on Motor Legal Protection, Breakdown Service or Hire Car cover. |
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Other charges that may apply |
If you are paying your premium by monthly instalments on Direct Debit we reserve the right to apply a charge of £20 for any unsuccessful collection of a monthly instalment. |
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Withholding documents
We may keep certain documents such as your proof of no claim
discount while we are awaiting payment of outstanding premium
or administration charges. We will ensure that you have any
documents you are required to have by law.
Keys in car exclusion
Theft claims will not be paid if the keys to the insured vehicle
are left on or in the unattended vehicle.
Terrorism cover
Please refer to your schedule for any exclusions, terms and
conditions relating to terrorism cover.
Renewal
We will automatically invite your renewal with our most competitive
insurer. If you would prefer us to renew with your current
insurer, please tell us. Before your renewal date we will
send your renewal documentation detailing the premium payable
and the terms and conditions. If you pay your premium by installments
your policy will automatically renew with the most competitive
insurer, unless we hear from you.If you do not wish your policy
to renew, you should write to us.
Your Duty To Disclose
It is important that all information you give us verbally
or in writing in proposing for, renewing or making changes
to your insurance or making a claim is full and correct; and
that you tell us about changes such as vehicle, address, occupation,
drivers etc. Failure to do so could later invalidate your
policy, or a claim made under it, or result in an increased
premium or additional terms. It is an offence under the Road
Traffic Act to make a false statement or withhold any material
fact for the purpose of obtaining a Certificate of Motor Insurance.
Under the conditions of your policy you must tell us about
any insurance related incidents (such as fire, theft or an
accident) whether or not they give rise to a claim. When you
tell us about an incident we will pass information relating
to it to a database.
Important Notice
Insurers pass information to the Claims and Underwriting Exchange
Register, run by Insurance Database Services Ltd (IDS Ltd),
the Hunter Database, run by MCL Software Ltd and the Motor
Insurance Anti-Fraud and Theft Register run by the Association
of British Insurers (ABI). The aim is to help us to check
information provided and also to prevent fraudulent claims.
When we deal with your request for insurance, we may search
these registers. Under the conditions of your policy, you
must tell us about any incident (such as an accident or theft)
which may or may not give rise to a claim. When you tell us
about an incident, we will pass information relating to it
to the Registers. Your policy details will be added to the
Motor Insurance Database (MID), run by the Motor Insurers'
Information Centre (MIIC). MID data may be used by the DVLA
and DVLNI for the purpose of Electronic Vehicle Licensing
and by the Police for the purpose of establishing whether
a driver's use of the vehicle is likely to be covered by a
motor insurance policy and/or for preventing and detecting
crime. If you are involved in an accident (in UK or abroad),
other UK insurers, the Motor Insurers' Bureau and MIIC may
search the MID to obtain relevant policy information. Persons
pursuing a claim in respect of a road traffic accident (including
citizens of other countries) may also obtain relevant information
which is held on the MID. You can find out more about this
from your insurer, or at www.miic.org.uk.
We may search these databases when you apply for insurance,
in the event of any accident or claim, or at time of renewal
to validate your claims history or that of any other person
or property likely to be involved in the policy or claim.
Fraud Prevention and Detection
In order to prevent and detect fraud we may at any time:
Share information about you with other organisations and public
bodies including the Police;
Check and/or file your details with fraud prevention agencies
and databases, and if you give us false or inaccurate information
and we suspect fraud, we will record this.
We and other organisations may also search these agencies
and databases to:
Help make decisions about the provision and administration
of insurance, credit and related services for you and members
of your household;
Trace debtors or beneficiaries, recover debt, prevent fraud
and to manage your accounts or insurance policies;
Check your identity to prevent money laundering, unless you
furnish us with other satisfactory proof of identity;
Undertake credit searches and additional fraud searches.
Data protection
For Data Protection Act purposes Masterquote is the data controller.
We will hold and process your personal data, including sensitive data, for insurance administration and marketing. For this purpose, and to prevent fraud, the data may also be passed to selected third parties, insurers and reinsurers, and may be processed outside the EEA.
All personal data you supply must be accurate and you must have the specific consent of any other persons insured to disclose their personal data. You can ask us for more information about this. At the request of many of our customers and to make managing your insurance more convenient, it is our policy to accept information or instructions from your spouse or partner who calls us on your behalf, provided that they are named on the policy. You may ask us not to do this or you may nominate someone else if you wish. In any event we will only accept instructions to cancel or reduce cover or delete or change drivers from you personally.
Law applicable to this policy
You and we are free to choose the law applicable to this contract
but in the absence of agreement to the contrary the law of
England and Wales will apply.
Financial Services Compensation Scheme (FSCS)
If we or your insurer were unable to meet our obligations you might be entitled to compensation under the
Financial Services Compensation Scheme (FSCS). Further information about the Scheme is available from the FSCS
website at www.fscs.org.uk or by calling us.