Our Terms of Business

Who are We?
BDML Connect Ltd, The Connect Centre, Kingston Crescent, Portsmouth, PO2 8QL.
BDML Connect Limited is an insurance 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 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. Please note that the Financial Services Authority, the Financial Ombudsman Service and the Financial Services Compensation Scheme do not operate in respect of Channel Island or Isle of Man risks.

Who owns us?
BDML Connect Limited is part of the Capita Group Plc.

Advice
You will not receive advice or recommendation from us.  We will give you information about a product but 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 Ltd, The Connect Centre, Kingston Crescent, Portsmouth PO2 8QL.

If 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 on request.

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

Withheld Documents
We may keep certain documents such as 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. At least 21 days before your renewal we will tell you the premium and the terms and conditions for renewal.
If you are paying by Direct Debit you need do nothing. We will collect the monthly instalments from your bank as usual.
If you pay monthly instalments by any other method, you will need to contact us to arrange payment before your cover runs out.
Payments made by any other method. You will need to make payment to us by your usual method before your cover runs out.

Your duty to disclose
It is important that all information you give us verbally or in writing when proposing for, or making changes to your insurance or making a claim is full and correct, and that you tell us about changes such as sum insured, address, occupation, 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 & claim 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 BDML Connect Ltd 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 be processed outside the European Economic Area (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. 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 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. 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 that might be of interest to you. However, if you prefer not to be kept informed please tick this box and return this document to: Motor Quoteline, Freepost, Hampshire PO28QL.

Law applicable to this contract
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 that 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.