Terms and Conditions

BISL Limited
Pegasus House
Bakewell Road
Orton Southgate
Peterborough
PE2 6YS

1. Whose products do we offer?

We offer products from a range of insurers for bike insurance
We only offer products from a single insurer for:

Legal Expenses Cover, administered by ACM ULR Limited and underwritten by I.G.I Insurance Company Ltd
Instalment Protection Plan, underwritten by Sterling Life Limited and Sterling Insurance Company Ltd
Personal Accident Cover, underwritten by Groupama General Insurance Company Ltd
Helmet and Leathers Cover, administered by ULR Norwich and underwritten by Equity Red Star Services Ltd

2. Which service will we provide you with?

You did not receive advice or a recommendation from us. We asked some questions to narrow down the selection of products that we provided details on. You then made your own choice about how to proceed.

3. What will you have to pay us for our services?

Cancellation Fee

If you cancel your policy at anytime you will be charged a fee of £30.00

Administration Fee

Certain policy amendments are subject to a £25.00 administration fee.

Payment Default Fee

If we need to resubmit a request for payment to your bank you will have to pay a £20.00 payment default fee.

Certificate Reprint Fee

If you lose your Certificate of Motor Insurance, or it is destroyed, and you want a duplicate you will have to pay a £15.00 reprint fee.

Renewal Arrangement Fee
When you renew your policy, a non-refundable fee of up to £30.00 may apply.

4. Who Regulates us?

BISL Limited, Pegasus House, Bakewell Road Orton Southgate, Peterborough, PE2 6YS is authorised and regulated by the Financial Services Authority (FSA). Our FSA Register number is 308896.

Our permitted business is selling, administering and renewals of general insurance contracts.

You can check this on the FSA's Register by visiting the FSA's website www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.

5. What to do if you have a complaint

Service Standards
We aim to provide a high level of service to all our customers but occasionally things can go wrong, when this happens we will do everything we can to put things right.

Complaints Procedure
If you have a complaint about our service or the administration of your policy, please contact us in the first instance by phoning Customer Services on 0870 333 0008. We will aim to resolve your complaint over the phone within 24hrs.

If your complaint is not resolved to your satisfaction within 24 hours, we will send you a written acknowledgement of your complaint together with the next steps we will be taking to resolve it. If you prefer to put your complaint in writing please send it to the Customer Relations Manager, Bennetts, Fusion House, Bretton Way, Peterborough, PE3 8BG.

Next Steps
In the unlikely event that your complaint remains unresolved four weeks after being made, we will send you either our final response or a letter explaining why we are not yet in a position to resolve your complaint and advice you when we will be in contact again.

If after eight weeks of making your complaint we are still not in a position to issue you with our final response we will send you a letter explaining the reason for the delay and advice you of your right to complain to the Financial Ombudsman Service.

If following our final response your complaint has not been resolved to your satisfaction, you can refer it to the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London, E14 9SR.

6. Are we covered by the Financial Services Compensation Scheme (FSCS)?

We 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 schemes arrangements is available from the FSCS.

7. Your Obligations

You should answer all questions to the best of your knowledge and belief. If you are not sure of any answers, then you should disclose any information you think might be important. If the answers are incorrect, you may have no insurance or additional premiums could be payable, which BISL Limited reserve the right to collect.

Proof of No Claims Discount (NCD) may be required if you take out a policy to which a NCD has been applied. This proof should be a renewal notice, policy schedule or letter from your previous Insurance Company, which shows the main driver as the policyholder and the NCD earned. N.B. This NCD can only be used on one policy at any one time, and must have been used on a policy within the last 24 months.

8. Data Protection Notification

By supplying data to us you provide information about yourself and others which the Data Protection Act defines as personal data or sensitive personal data. The Data Controller will be BISL Limited.

Data will be used by BISL Limited and other carefully selected companies for administration, renewal, claims handling, credit checking, marketing and research purposes and will be added to certain databases which may be checked by various organisations including the Police.

By supplying data to us you give explicit consent for all data provided to be used in this way until you tell us otherwise. For mutual security calls are recorded and may be monitored for training purposes.

9. Disclaimer

BISL Limited does not accept any liability for errors or omissions relating to information contained within this site. We reserve the right to change the site at any time. To the extent allowed by law we disclaim liability for any loss resulting from the use of the site or any material contained within the site.

9. Copyright

BISL Limited owns the copyright to all material contained within this web site. No part of the material may be copied or reproduced for commercial use without prior written consent from BISL Limited. This site is for personal use only. Commercial users must obtain prior authorisation from us in writing.