Your Motor Cycle Insurance - Terms of Business and Important Details

Who are we?

BDML Connect Limited, 1000 Lakeside North Harbour, Western Road, Portsmouth PO6 3EN.  BDML Connect Limited is an independent intermediary offering a range of personal insurances (Private Car, Motorhome, 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).

Who Regulates Us?

BDML Connect Limited is authorised and regulated by the Financial Services Authority (FSA).   Our FSA number is 309140.

Our permitted business is arranging general insurance contracts.

BDML holds money as agent of the insurer.

You can check this information on the FSA’s Register by visiting the FSA’s website www.fsa.gov.uk or by contacting the FSA on 0300 500 5000.

Please note that the Financial Services Authority, the Financial Ombudsman Service and the Financial Services Compensation Scheme do not operate in respect of Channel Islands or Isle of Man risks.

Who Owns us?

BDML Connect Limited is a part of Capita Plc Plc.

Advice

We do not give opinions or recommendations.  We will give you information about a product by cannot make a decision for you.

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 Limited, 1000 Lakeside North Harbour, Western Road, Portsmouth PO6 3EN.

Should you remain dissatisfied with our response, you may approach the Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, LONDON, E14 9SR  -  Telephone: 0845 080 1800.  Full details of our complaint procedure are given in our Policy Booklet, a copy of which is available upon request

Charges

In addition to premiums charged by insurers we make the following charges:

Duplicate Documents	£20
All mid-term adjustments	£20
Cancellation of the policy within the first 14 days	You have the right to cancel your policy, providing you have written or called to cancel within 14 days of your policy start date, or receipt of the policy documentation (whichever the later).  A pro rata refund and a charge of £20.00 will be made.  If however, you make a claim, or any claims are made against you, the full premium becomes payable.
Cancellation of the Policy after the first 14 days	If your insurance is cancelled for any reason after the first 14 days, we will charge a £20 fee, plus the following charges will be applied by your insurer: You will receive  a proportionate refund of the premium paid (see scale below): Up to 1 month – 80%                 2 months – 70% 3 months – 60%                          4 months – 50% 5 months – 40%                          6 months – 30% 7 months – 20%                          8 months – 10% Over 8 months – no refund
If you make a claim or any claims are made against you during the current period of insurance, the full premium becomes payable.  If you pay by instalments, please also refer to your credit agreement.
In the event of cancellation, where any optional extra covers have been purchased, there will be no return of premium, with the exception of Premier Plus Breakdown where a pro rata premium will be charged.
If you pay by Direct Debit If we are unable to collect the payment due and your bank returns the payment ‘refer to payer’ (insufficient funds), we will always represent the request for payment twice.  If it is unsuccessful for a second time, we reserve the right to apply a charge of £20.00.

Withheld Documents

We may keep certain documents such as proof of No Claims Discount whilst 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, this will be done 21 days prior to your renewal.

If you are paying by Direct Debit

If you pay by Direct Debit you need do nothing, we will collect the monthly instalments from your bank as usual.

Payments made by any other method

You will need to make payment to us by your usual method before the policy runs out.

Your Duty to Disclose

It is important that all information you give us verbally or in writing when 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, convictions etc.  Failure to do so could invalidate your policy or claims made under it.  Under the conditions of your policy you must tell us about any insurance-related incidents (such as fire, theft or loss).  When you tell us about an incident we will pass information relating to it to a database.

Fraud Prevention, Detection & Claims History

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 re-insurers, 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 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.

Masterquote likes to keep you up-to-date about its own products and services and those of other companies which may be of interest to you.  If you do not want us to do this, please write to:  Insurance Administration, Freepost, Hampshire, PO2 8ZY.

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.

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.

A specimen Policy Booklet is available on request