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Who are we?
BDML Connect Ltd, The Connect Centre, Kingston Crescent, Portsmouth,
PO2 8QL. BDML Connect Limited is part of the Capita Group plc. BDML
Connect Limited is an independent intermediary offering a range
of personal insurances (Private Car, Commercial Vehicle, Motor Cycle,
Home, Pet and Travel) and has access to some of the leading insurers
in the market place. (A full list of insurers is available upon
request). For Motorhome polices we use insurer Equity Red
Star + Provident.
Advice
You will not receive advice or a recommendation from us.
Who Regulates us?
BDML Connect Limited is authorised and regulated by the Financial
Services Authority (FSA), our permitted business is arranging general
insurance contracts. Our FSA number is 309140. You can check this
information on the FSA register by visiting the FSA website www.fsa.gov.uk/register
or by contacting the FSA on 0845 606 1234.
What to do in the event of a complaint
| By phone: |
0870 606 1369 |
| In writing: |
The Quality Manager, BDML
Connect, The Connect Centre, Kingston Crescent, Portsmouth PO2
8QL. |
| By email: |
Online
contact form |
Should you remain dissatisfied with our response, you may ask the
Financial Ombudsman Service for help at Financial Ombudsman Service,
South Quay Plaza, 183 Marsh Wall, London E14 9SR, telephone 020
7964 1000 or email complaint.info@financial-ombudsman.org.uk.
Full details of our complaints 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 |
| All mid term adjustments |
£20.00. If an adjustment results in a return premium, the
refund will be reduced by 17% of the returned premium plus £20.00. |
| Cancellation of the policy within the
first 14 days |
Provided there has not been a total loss claim and the certificate
of motor insurance has been returned to us, a pro rata refund
and an administration charge of £20 will be made if you decide
to cancel the policy within the first 14 days of the policy. |
| Cancellation of the policy |
Your policy is a contract for twelve months. If your insurance
is cancelled for any reason after the first 14 days a charge
of 17% of returned premium plus £20 administration charge will
be made. There will be no return of premium if a claim has been
reported during the current year of insurance. If you pay by instalments,
please refer to your credit agreement.
There is no refund on Extended Personal Accident, Premier Plus Breakdown or Extended Hire Car Cover. |
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.
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 instalments 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 BDML Connect Limited is the data
controller. We will hold and process your personal data for insurance
administration and marketing. For this purpose, the information
may also be passed to selected third parties, insurers and reinsurers,
and may also be processed outside the EEA.
You understand that all personal data you supply must be accurate,
and you have the specific consent of those other persons insured
to disclose their personal data. Upon completion of a subject access
request form and payment of £10 you are entitled to receive
a copy of the information we hold about you. 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 deal with your spouse
or partner who calls us on your behalf, provided they are named
on the policy. If you would like someone else to be able to deal
with your policy for you on a regular basis please let us know.
In some exceptional circumstances we may also deal with other people
who call us on your behalf. If at any time you would prefer us to
deal only with you, please call us to let us know.
BDML Connect Limited likes to keep you up-to-date about its own
products and services and those of other companies which might be
of interest to you. However, if you prefer not to be kept informed
you can indicate this at the end of a quote.
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 the country
in which you are resident at the time of the contract will apply.
If you are not resident in the United Kingdom, the law which will
apply will be the law of England and Wales.
The Financial Services Compensation Scheme
The Administrators and the Insurer are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 100% of the first £2000 and 90% of the remainder of the claim, without any upper limit. For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim without any upper limit. Further information about compensation scheme arrangements are available from the FSCS on www.fscs.org.uk.
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