Bennetts Bike Insurance:
About these terms and conditions
Bennetts Bike Insurance is a trading name of Saga Services Limited (we/us/our) and is an insurance intermediary. These terms and conditions set out how we, Bennetts, will deal with you as a customer.
You will enter into two separate contracts when you take out an insurance policy through us. The first contract is with us and sets out the terms and conditions under which we will arrange and administer your insurance policy on your behalf and any fee(s) that we shall charge you for providing our insurance intermediary services. This information is provided in the ‘About our insurance services’ document. Use this information to decide if our services are right for you.
You will also enter into a separate contract with the insurer for providing your insurance. Details of the premium charged and the terms and conditions relevant to the insurance policy are set out in your policy document. When you purchase additional products or pay for your policy by instalments using a fixed sum loan agreement, you will enter further contracts with each insurer or supplier for these services
The premium and, where appropriate, renewal arrangement fee will form the total price of insurance. The specific amounts paid can be found in your quote and payment schedule of your insurance policy documents.
We will not provide you with advice or recommendation on whether the insurance policy is suitable for your needs. We will ask some questions to narrow down the selection of products that we provided details on. You will then need to make your own choice about how to proceed.
Our insurance intermediary services we will provide to you include:
Further detail can be found in our terms of business document.
We will charge you the following fees for our insurance intermediary services.
If you cancel within 14 days we will charge you a fee of £30. If you cancel your policy at any time after the first 14 days we will charge you a fee of £50.
Policy Amendment Fee
All policy amendments are subject to an amendment fee of up to £32.00
Payment Handling Fee
We will charge you a handling fee of up to £5.00 for card payments.
Payment Default Fee
If we need to resubmit a request for payment to your bank you will have to pay us 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 us a £0.00 reprint fee.
Renewal Arrangement Fee
When you renew your policy, a non-refundable fee of up to £30.00 may apply.
Policy Document Delivery Fee
If you chose to have your Policy Documents delivered by post, we will charge you a fee of up to £2.00.
Saga Services Limited, Enbrook Park, Sandgate Folkestone, Kent, CT20 3SE is authorised and regulated by the Financial Conduct Authority (FCA). Our Financial Services number is 311557.
Our permitted business is selling, administering and renewals of general insurance contracts. You can check this on the FCA's Register by visiting the FCA's website www.fca.org.uk/register/ or by contacting the FCA on 0845 606 1234.
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.
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 0344 412 2171. 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:
Bennetts Customer Relations Manager, The Saga Building, Middelburg Square, Folkestone, Kent, CT20 1AZ
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 advise 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 advise 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 Exchange Tower, London, E14 9SR.
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 90% 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.
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 Saga Services Limited reserves 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.
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 Saga Services Limited.
Data will be used by Saga Services 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.
If you have a promotional voucher code, please enter it when purchasing your policy, codes cannot be applied retrospectively:-
Saga Services 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.
Saga Services 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 Saga Services Limited.
This site is for personal use only. Commercial users must obtain prior authorisation from us in writing.
© 2000-2016 Saga Services Limited. All rights reserved.
These terms govern the use of Bennetts Bike Social via both the Bennetts Website (www.bennetts.co.uk) and the Bike Social mobile App. References to ‘Website’ shall be construed to both accordingly.
1.1. In the Bike Social Terms “Content” includes all text, images, photos, video, audio and other material posted to Bike Social by You.
2. Setting up Your profile
2.1. Before You are able to post Content to Bike Social and communicate with other Users via Bike Social, You need to register and create Your profile (Profile).
2.2. You are only permitted to create a Profile and use Bike Social if You are resident in the UK and at least 16 years old. By using Bike Social, You confirm that You are resident in the UK and at least 16 years old.
2.4. When You register You must provide Your real name (not a pseudonym) and You must provide Us with genuine valid contact details.
2.5. In order to complete Your registration You will need to verify your account by clicking on a link in an e-mail We will send to You. You are responsible for maintaining the confidentiality of Your username and password and You are responsible for all uses of Your username and password, whether or not authorised by You. If You think that somebody else knows Your username and password You can change your password by logging into your Account and changing it.
2.6. Once you have registered, Your username and password will automatically allow You to sign in to other areas of the Bennetts website (Single Sign On). Before You use other areas of the website You must read and agree to the Terms & Conditions relevant to that section of the website.
2.7. We reserve the right at any time to terminate or block Your account, terminate or restrict Your access to Bike Social and/or restrict Your Single Sign On however We will only generally do so where We believe that You, or someone using Your username and password, have breached the Terms. We are under no obligation to reactivate Your account once it has been blocked. If Your account or access to Bike Social is terminated (whether by you or by Us) these Terms will remain in effect; and We are entitled to delete or block the Content You posted within Bike Social.
2.8. You must inform Us immediately of any changes to the information that You provided when registering by updating Your personal details within Your Profile.
2.9. We reserve the right to terminate an account for Bike Social where that account has been inactive for a period in excess of three months, at which point We will have the right to delete all information relating to that account and all Content posted by the owner of that account (although We are not required to do so).
3. Content posted by You
3.1. You alone are responsible for the content, accuracy and suitability of any Content posted by You in Bike Social, and for the consequences of posting Content. We will not be responsible for or liable to You or any third party for any Content posted by You or any other Users.
3.2. You must ensure that the Content posted or shared by You in Bike Social does not violate Our Code of Conduct. When You post Content in Bike Social we may require you to provide a confirmation that the Content does not violate Our Code of Conduct.
3.3. You are only permitted to post Content in Bike Social that You have created or which You have permission to post. You confirm to Us that You own the Content posted by You or otherwise You have all necessary rights (including, but not limited to, copyright, trade marks and other intellectual property rights) and consents to publish the Content and to allow Us and other Users to use the Content in the manner set out in these Terms.
3.4. You agree to make your Content available to Us and other Users and Visitors in the manner envisaged by these Terms without payment or other compensation to You. We do not claim any ownership of Your Content. You will retain full ownership of all Content posted by You in Bike Social.
3.5. You are responsible for making back-up copies of Content that You post to Bike Social. We are not liable to You or any third party for any loss of or corruption or damage to Content.
3.6. Where permitted under applicable laws, We have the right to disclose Your identity and contact details to any third party who is claiming that any Content posted by You constitutes a violation of their intellectual property rights or of their right to privacy or who has otherwise been harmed by Your failure to comply with these Terms. You will provide us with all relevant information relating to that claim without delay.
4. Our rights to use Content posted by You
4.1. By submitting Content in Bike Social, You give Us a royalty-free, worldwide, non-exclusive right and licence for the full duration of Your legal rights arising in the Content to:
4.1.1. make copies of and use the Content to facilitate the hosting and availability of the Content for other Users and Visitors to Bike Social, to manage Your Profile and generally to operate the Site in the manner envisaged by these Terms;
4.1.2. make copies of and use the Content in image galleries on the Site;
4.1.3. move or copy Content to the homepage or other pages of the Site, highlight Content and/or enable Users to comment or rate Content;
4.1.4. copy, adapt, publish, translate, create derivative works from, distribute, communicate to the public, perform, display and otherwise use on the Site and in any other marketing, promotion or publicity media on or off line (including, but not limited to, trade and other press) images, videos, comments, shares, ratings and articles forming part of the Content and/or to incorporate the Content into any other works in any form, media or technology now known or later developed; and
4.1.5. use, modify, delete from or add to Content for any purpose in connection with Bike Social or otherwise as envisaged by these Terms.
5. The rights of other Users to use Content posted by You
5.1. By submitting Content to Bike Social, You give to all other Users a non-exclusive, royalty-free, worldwide licence for the full duration of Your legal rights to use, copy, reproduce, distribute, prepare derivative works of and display Content for any purpose in connection with Bike Social.
6. Content that is highlighted by Us on the Site, star ratings, likes and dislikes and comments
6.1. From time to time, We may highlight Content by, for example, profiling Content on the home page of the Site. When doing so, it is not feasible for Us to check or approve every aspect of that Content.
6.2. On Bike Social, Users may have the facility to apply star ratings to Content and indicate using icons made available in Bike Social whether they like or dislike Content. These are preferences applied by Users and are not applied by Us. We will never check or approve Content before allowing Users to apply star ratings or likes and dislikes.
6.3. Accordingly, We will not take any additional responsibility for Content that is highlighted by Us or that is tagged by Users using star ratings or likes and dislikes. It remains Your responsibility to ensure that the Content You have posted complies with the Terms. We will have no liability in that regard.
6.4. We also have no liability for any opinions expressed by Users on other Users' Content, whether via star ratings, likes, dislikes, comments or otherwise and We are not required to remove any star ratings, likes, dislikes, comments or other opinions on Your Content with which You do not agree.
6.5. The highlighting of any Content by Us and the application of star ratings, likes or dislikes, comments by Users shall not imply any endorsement of that Content by Us or any association with Us or any of Our group companies.
7. Code of Conduct
7.1. You are responsible for Your activities in Bike Social and for any Content that You post in Bike Social. In return for being allowed to use Bike Social, You agree to comply with this code of conduct (Code of Conduct) which governs the way in which You may use Bike Social and interact with other Users and post Content to Bike Social.
7.2. In particular You agree that:
7.2.1. You must not post Content that in Our opinion:
7.2.2. When using Bike Social or any facilities available through Bike Social, you must not:
7.3. The posting of Prohibited Content and the doing of any of the Prohibited Activities described in the Code of Conduct will be a material breach of these Terms. We reserve the right to delete from this Site any Content that violates these Terms. We may also terminate or block Your account and/or terminate or restrict Your access to Bike Social and this Site if We believe that You, or someone using Your profile has posted Prohibited Content or has carried out any of the Prohibited Activities. We are under no obligation to reactivate Your account or Your access to Bike Social or the Site once it has been blocked.
7.4. You will reimburse us and Our group companies for any losses, expenses or liabilities We and they incur as a result of You failing to comply with the Code of Conduct.
8. Moderation or Monitoring
8.1. We do not monitor or moderate all the Content on this Site. It is Your responsibility to ensure that Your Content complies with the Terms. We may from time to time monitor or moderate any Content on this Site as a result of receiving an abuse notification under section 9 or otherwise if we have reason to believe any Content does not comply with these Terms, or in accordance with our rights under section 4.
8.2. If you wish to communicate with Bennetts you should contact us at email@example.com. If you hold other products or services with Bennetts you should use the contact details advertised for those products. Nothing posted on this Site shall constitute notice to us of any fact, request or complaint regarding any Bennetts products or services.
9. Abuse Notifications
9.1. If You believe that any Content on this Site infringes any intellectual property or privacy rights of Yours or any third party, or is otherwise contrary to the Code of Conduct, You may notify us by emailing Bennetts on firstname.lastname@example.org . When doing so You must provide the following information :
9.2. If you become aware of any Content that We have highlighted on the Site or that We have otherwise used or repurposed under the rights granted in the Terms does not comply with the Code of Conduct or the Terms, you will immediately notify Us in the manner described above.
9.3. You will reimburse Us for any costs, claims, expenses, losses or other liabilities We may incur as a result of You misrepresenting content as Unlawful Content.
9.4. We reserve the right to remove or disable access to any Content that We believe may be Unlawful Content. We reserve the right to block the access to this Site of any person found to have posted Content that We believe to be Unlawful Content.
11. Your safety when using Bike Social
11.1.We recommend that You take reasonable care over your personal information and safety when using Bike Social. When You create your Profile, share Your personal information with others via Bike Social or arrange to meet any individuals or participate in any activities referred to by Users in Bike Social, We recommend that You take care to ensure Your own safety and the safety of others. We will not review any activities facilitated via Bike Social for safety or suitability.
12. Our Intellectual Property
12.1.Except for Content that is posted by Users in Bike Social and except for other Content that We post on this Site and credit as being owned by a third party, all the Content on this Site and all intellectual property rights (including copyright, trademarks and database rights) arising in that Content and this Site generally are owned by Us or our licensors. All such rights are reserved. © Saga Services Limited 2016.
12.2.You are granted a limited licence to access and use Bike Social and our content in Bike Social for your personal use as envisaged by these Terms, provided that you keep all copyright and other proprietary notices intact. You are not permitted to use any part of Bike Social for commercial purposes.
12.3.Our content of Bike Social may not be copied, distributed, modified, adapted, translated, reproduced in whole or in part without Our prior written permission, except that You are permitted to reproduce and display Our content in Bike Social (excluding any software code) solely for your personal use in connection with viewing Bike Social and as a genuine user of Bike Social.
12.4."Bennetts", "BikeSocial" and other marks used on this Site are Our trade marks or those of Our licensors and may not be used without Our prior written permission.
12.5.You may not use any meta tags or any other hidden text using Our names or trade marks without Our prior written permission.
13. Linking to this Site and framing of this Site
13.1.You may link to any page on this Site, provided You do so in a way that is fair and legal and does not damage Our reputation or take advantage of it, but You must not establish a link in such a way as to suggest any form of association, approval or endorsement on Our part where none exists. You must always make it clear that the content You are linking to came from this Site.
13.2.You must not establish a link from any website that is not owned by You. Our site must not be framed on any other site.
13.3.We reserve the right to withdraw linking permission without notice. The website from which You are linking must comply in all respects with the standards reflected in the Code of Conduct.
14. Links from this Site
This Site may also contain links to websites operated by third parties. The operation and content of those websites shall be determined by the organisation which controls the website and this will be governed by separate terms and conditions. Links are provided for convenience only and inclusion of any links should not be taken to imply endorsement in any way of the site to which it links. We accept no responsibility or liability for the contents of any other website.
15. Viruses, hacking and other offences
15.1.You must not misuse this Site by knowingly introducing viruses, Trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to this Site, the servers on which this Site is hosted or any server, computer or database connected to this Site. You must not attack this Site via a denial-of-service attack or a distributed denial-of-service attack.
15.2.We will not be liable for any loss or damage caused by a denial-of-service attack, distributed denial-of-service attack, viruses or other technologically harmful material that may infect Your computer equipment, computer programs, data or other proprietary material due to Your use of this Site or to Your downloading of any material posted on it, or on any website linked to it.
16. Legal disclaimer
16.1.Content, commentary, contributions and any other materials posted in Bike Social are not intended to amount to advice on which reliance should be placed. These are the personal opinions of the individuals who post such materials and are not Our views or the views of any of Our group companies.
16.2.Therefore, we recommend that You do not rely on those materials and We disclaim all liability and responsibility arising from any reliance placed on those materials by You or any User or Visitor or any third party or by anyone who may be informed of any that material. We do not verify the accuracy or completeness of any Content, commentary, contributions or any other materials posted on this Site.
16.3.You understand and agree that any material, software and/or data downloaded or otherwise obtained through the use of Bike Social is at your own discretion and risk and that You will be solely responsible for any damage to Your own computer system or loss of data that results from the download of such material, software and/or data. We are not responsible for any damage caused by the downloading of any material, software and/or data from Bike Social.
16.4.Mention of third party products, services, companies and websites in Bike Social is for information purposes only and constitutes neither an endorsement nor a recommendation.
17. Disclaimer of Warranties
17.1.You expressly agree that use of Bike Social is at your sole risk.
17.2.We provide no assurances that the Content in Bike Social is capable of being used by You in the manner envisaged by the Terms. We also provide no assurances that the use by You of the Content will not infringe third party rights, such as copyright or rights to privacy.
17.3.We make no warranty that Bike Social will be uninterrupted, secure or error free. We will not be liable if for any reason Bike Social is unavailable at any time or for any period. From time to time we may suspend or restrict access to Bike Social in order to carry out repairs, maintenance or to introduce new facilities.
18. Limitation of Liability
18.1.While We have taken care in preparing the contents of Bike Social, We shall not be liable for any loss or damage arising out of or in connection with Your use of Bike Social including, without limitation, indirect, or consequential loss or damage, loss of anticipated revenues, loss of profit, loss of business opportunities, loss of goodwill, loss or corruption of data or damage to reputation resulting from: (a) Your use or Your inability to use Bike Social or (b) any Content or other content found in Bike Social or (c) any reliance place on any information found in Bike Social or (d) unauthorised access to or alteration of your transmissions or data.
19.1.You agree to indemnify Us and keep Us indemnified from and against all costs, claims, expenses (including reasonable legal and professional fees and expenses), losses, damages and other liabilities suffered or incurred by Us and arising out of or in connection with your use of Bike Social, or any breach of these Terms by you, or the infringement by you, or any other user of your account registration for Bike Social, of any intellectual property or other right of any person or entity except to the extent that any such costs, expenses, losses, damages or other liabilities were caused or contributed to by any negligence or breach of these Terms by Us.
20.1.No delay or failure by Us to insist upon or enforce performance of any provision of the Terms or to exercise any right under the Terms will be deemed to be a waiver or in any way prejudice Our rights under these Terms.
21.1.If any provision in these Terms is declared void or unenforceable by any court or other body of competent jurisdiction, or is otherwise rendered so by any applicable law, such provision shall to the extent of such invalidity or unenforceability be deemed severable and all other provisions of these Terms not affected by such invalidity or unenforceability shall remain in full force and effect.
22. Jurisdiction and Governing Law
22.1.These Terms and all claims arising out of or in connection with these Terms and Bike Social shall be governed by and construed in accordance with the laws of England and Wales. Any dispute arising under these Terms or out of or in connection with Bike Social shall be subject to the exclusive jurisdiction of the courts of England and Wales.
23. Our Group of companies
23.1.The Saga Group of companies includes:
Saga Group Limited. A company registered in England and Wales with registration number 2593690. Registered office: Enbrook Park, Sandgate, Folkestone, Kent CT20 3SE.
Saga Services Limited. A company registered in England with registration number 732602. Registered office is at Enbrook Park, Sandgate, Folkestone, Kent CT20 3SE.