homebase financial services            
pet insurance
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important details
 
 
complaints procedure
 

We are committed to providing you with an exceptional level of service and customer care. We realise, however, that things can go wrong and there may be occasions when you feel that we have not provided the service you expect. When this happens we want to hear about it so that we can try to put things right.

When you contact us

Please give us your name and a contact number. Please quote your policy and/or claim number and the type of policy you hold. Please explain clearly and concisely the reason for your complaint.

Step One - Initiating your complaint

You should first write to:

Complaints Department
Homebase Pet Insurance
The Connect Centre
Kingston Crescent
Portsmouth
PO2 8ZY

We expect that the majority of complaints will be quickly and satisfactorily resolved at this stage, but if you are not satisfied, you can take the issue further.

Step Two - Contacting AXA head office

If your complaint is one of the few that cannot be resolved by this stage, write to the head of Customer Care who will arrange for an investigation on behalf of the Chief Executive.

Customer Care
AXA Insurance
Civic Drive
Ipswich
IP1 2AN

Or you may telephone: (01473) 205926 or fax: (01473) 205101 or email customercare@axainsurance.co.uk.

Step Three - Beyond AXA

If we have given our final response and you are still dissatisfied, you may refer the matter to the Financial Ombudsman Service (FOS) at the following address:

Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London
E14 9SR

Telephone: 0845 080 1800, or fax: (020) 7964 1001.

The Financial Ombudsman Service is an independent body that arbitrates on complaints about general insurance products.

It will only consider complaints after we have provided you with written confirmation that our internal complaints procedure has been exhausted. Referral to the Financial Ombudsman does not affect your right to take legal action against AXA Insurance UK plc. Please quote your policy number in any communication.

 
claims procedure
 

Homebase would like to help you through your claim by making the process as easy and efficient as possible. Our claims department is staffed with qualified veterinary nurses so you can be confident that you will receive expert advice with a fast and efficient claims service.

Here are the next steps to take in order to make a claim with Homebase.

Have your details ready before you call

Please have your client reference number ready - you will find this at the top of all our letters to you. Check that the claim is covered by your policy. Each section of the policy tells you what is insured and what is not insured. The cover you have requested is shown on your policy schedule.

If you need to make a claim, phone our claims line on 0870 606 0523 within the opening hours:

  • 8.00am to 6.00pm Monday to Friday
  • 9.00am to 2.00pm Saturday
 
law applicable to this policy
 

You are free to choose the law applicable to this policy. Your policy will be governed by the law of England and Wales unless, you, and the insurer have agreed otherwise.

 
pet insurance renewal
 

We hope that you will be continuing your cover with us next year.

Therefore, if you have any queries on the renewal of your policy please contact us petinfo@bdml.co.uk

Alternatively you may call our offices on 0800 587 9944 where an advisor will be more than happy to help.

Lines are open 8.00am to 8.00pm Monday to Friday, 9.00am to 5.00pm Saturday.

 
policy amendments
 

Our wish is that your policy runs smoothly. You may need to contact us during the policy year to make an amendment to your policy e.g. if you change your address or you may have a general query.

You may call our offices on 0800 587 9944 where an advisor will be more than happy to help. Alternatively you can email us at petinfo@bdml.co.uk.

Lines are open 8.00am to 8.00pm Monday to Friday, 9.00am to 5.00pm Saturday.

 

 
privacy & security policy top of page
 

Homebase Limited ("Homebase") a company incorporated in England, is an appointed representative of ARG Insurance Services Limited. Both are members of the Argos Retail Group ("the Group"). The Group ("we","us") also includes Argos Limited, ARG Card Services Limited, ARG Personal Loans Limited and their associated companies. A full list of companies is available upon request (see 'contact us' below).

The purpose of this statement is to set out how we use personal information that we may obtain about you. As a user of any services on this website and by using the Homebase Insurance website generally you agree to this use.

Use of your Personal Information

1. When you register and use this site you will be asked to provide certain information such as your contact details or other details required for the particular products you ask about. We will use this data to provide you with a quote and to fulfil our agreement with you.

2. We may use information that you provide or that is obtained by us as follows:

i. to register you with our website and to administer our website services;

ii. for assessment and analysis (e.g. market, customer and product analysis) to enable us to review, develop and improve the services which we offer and to enable us to provide you and other customers with relevant information through our marketing programme. We may use your information to make decisions about you using computerised technology, for example automatically selecting products or services which we think will interest you from the information we have. We may keep you informed of such products and services (including special offers, discounts, offers, competitions and so on), as well as products and services of other companies and organisations which we consider may be of interest to you, by any of the following methods:

a. E-mail
b. Telephone (including automated calls)
c. SMS text message and other electronic messages such as picture messaging
d. Post
e. Fax
f. or otherwise

We may also pass your details to carefully selected third parties so that they may contact you about their products and services. If you do not wish to receive information of such products and services, please tick the opt-out box provided when registering on this website;

iii. to administer any prize draws or competitions you may enter;

iv. as agents for insurers who provide insurance products;

3. We may supplement the information that you provide to us with information that we receive from third parties.

4. We may also monitor and/or record your telephone conversations to ensure consistent service levels, to prevent/detect fraud, and for training purposes.

Fraud Prevention

5. In order to protect our customers and us from fraud and theft, we may pass on information that we obtain about you from making identity checks and other information in our customer records, including how you conduct any account you may have with us, to other Group companies, other retailers and to financial and other organisations (including law enforcement agencies) involved in fraud prevention and detection, to use in the same way.

Disclosure of Your Information

6. We may give information about you to the following, who may use it for the same purposes as set out above:

i. to other companies in the Group;

ii. to employees, agents and any other appointed third parties of the Group to administer any accounts, products and services provided to you by the Group now or in the future;

iii. to the administrators and underwriters of this insurance and to any other companies and organisations whose products we provide to you, e.g. home and motor insurance, financial and travel services;

iv. appointed third parties who (on our behalf) profile your data so that we may tailor the goods/services we offer to your specific needs;

v. to other organisations for the administration of prize draws or competitions;

vi. to anyone to whom we transfer or may transfer our rights and duties under our agreement with you;

vii. if we have a duty to do so or if the law allows us to do so.

Cookies

7. Technologies exist on the Internet that help us to deliver customised visitor experiences. In particular, there is a technology called "cookies" which may be used by us to provide you with, for example, customised information from our web site. A cookie is an element of data that a web site can send to your internet browser, which may then store it on your system. Cookies allow us to understand who has seen which pages and advertisements, to determine how frequently particular pages are visited and to determine the most popular areas of our web site. Depending on the type of cookie we use, cookies also allow us to make our web site more user friendly, for example, permanent cookies allow us to save your password so that you do not have to re-enter it every time you visit our web site.

8. If you wish, you can usually adjust your browser so that your computer does not accept cookies. If you do this, you will still be able to browse around the site but the functions that allow you to add items to your trolley or access an existing account will not be available. Alternatively you can adjust your browser to tell you when a website tries to put a cookie on your computer. How you adjust your browser to stop it accepting cookies or to notify you of them, will depend on the type of internet browser programme your computer uses.

9. Please remember, cookies do not contain confidential information such as your home address, telephone number or credit card details. We do not exchange cookies with any third party websites or external data suppliers.

10. Your browser also generates other information, including which language the site is displayed in, and your Internet Protocol address ("IP address"). An IP address is a set of numbers which is assigned to your computer during a browsing session whenever you log on to the Internet via your internet service provider or your network (if you access the Internet from, for example, a computer at work). Your IP address is automatically logged by our servers and used to collect traffic data about visitors to our web sites. We do not use your IP address to identify you personally.

11. We only keep cookies for the duration of your visit to our website, except where you save your login name as referred to above.

Security

12. We will treat your personal data (as defined in the Data Protection Act) in accordance with all applicable data protection and privacy legislation and will endeavour to take all reasonable steps to protect your personal information. However, we cannot guarantee the security of any data you disclose on-line. You accept the inherent security risks of providing information and dealing on-line over the Internet and will not hold us responsible for any breach of security unless this is due to our negligence or wilful default.

General

13. You have the right to see personal data that we keep about you, upon receipt of a written request and payment of a fee. If you are concerned that any of the information we hold on you is incorrect or if you need to change any of your registered details, please contact us (see details below).

14. Please be aware that our site may link to other web sites which may be accessed through our site. We are not responsible for the data policies or procedures or the content of these linked web sites.

15. In carrying out the activities specified in this privacy policy, we may transfer data outside the European Economic Area to countries which may not necessarily afford the same level of protection regarding the use of your personal information.

Contact us

If you have questions about this Homebase Insurance Website Privacy Policy, or wish to access your personal data, please contact us at:

Homebase Website Customer Services, Acton Gate, Stafford, ST18 9AR.

Email: enquiries@homebase.co.uk.

For further information about this website please read our Homebase Financial Services Website Terms and Conditions.

 
website terms of use top of page
 

Use of this site

The information on this site is directed at UK residents only. The products and services described in this site are available to private individuals for their use only.

Copyright

Homebase Pet Insurance is operated by BDML Connect Ltd. Rights in the designs, pictures, logos, photographs and content of this site are owned by or licensed to BDML Connect Ltd and they are protected by copyright, trademarks and other intellectual property rights. You acknowledge that the copyright in this website belongs to BDML Connect Ltd; accordingly this website (and its source HTML code) may not be used, transferred, copied or reproduced in whole or in part in any manner other than for private home use only.

Site availability

BDML Connect Ltd is not liable for any damages or losses resulting from your inability to use this site. BDML Connect Ltd cannot promise that the site will be uninterrupted or entirely error free. Because of the nature of the Internet, the site is provided on an "as available" basis.

Links to other websites

We may provide links to third party websites and websites operated by organisations who have agreed to provide services for the benefit of BDML Connect Ltd's customers. While we try to select the most appropriate organisations to provide these services, we do not however control the content of any external website and cannot accept liability for the contents, product offerings or the availability of any linked websites.

Changes to the terms of use

BDML Connect Ltd reserves the right to change these terms and conditions at any time by posting changes online. If you use the site after BDML Connect Ltd has changed the terms and conditions you will be bound by the new terms and conditions.

Changes to this website

Homebase Pet Insurance may change this website or the insurance products or services offered through it at any time and without giving notice.

Governing law

These terms and conditions are directed at United Kingdom residents and shall be governed by, and construed in accordance with English Law. Any disputes arising from this site shall be dealt with by the English courts.

No representations are made as to whether the information is applicable or available in any other country that may have access to it.

 
who are we and who regulates us? top of page
 

Who are we?

Polices are arranged and administered by BDML Connect Ltd, The Connect Centre, Kingston Crescent, Portsmouth, PO2 8QL.BDML Connect Limited is an independent intermediary. Pet Insurance is underwritten by AXA Insurance UK plc.

Who Regulates us?

BDML Connect Limited are authorised and regulated by the Financial Services Authority (FSA), our permitted business is arranging general insurance contracts. BDML Connect Limited's FSA number is 309140. 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 0845 606 1234.

 
statement of demands and needs top of page
 

This product meets the demands and needs of those who wish to ensure that the veterinary needs of their pet are met throughout the duration of the policy.

 
terms of business top of page
 

Who are we?

Polices are arranged and administered by BDML Connect Ltd, The Connect Centre, Kingston Crescent, Portsmouth, PO2 8QL.BDML Connect Limited is an independent intermediary. Pet Insurance is underwritten by AXA Insurance UK plc.

Advice

You will not receive advice or a recommendation from us.

Who Regulates us?

BDML Connect Limited are authorised and regulated by the Financial Services Authority (FSA), our permitted business is arranging general insurance contracts. BDML Connect Limited's FSA number is 309140. 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 0845 606 1234.

Who Owns us?

BDML Connect Limited is a wholly owned subsidiary of BDML Group Limited.

What to do if you need to complainPlease phone our Customer Service Department on 0800 587 9944 or write to The Quality Manager, BDML Connect Limited, The Connect Centre, Kingston Crescent, Portsmouth, PO2 8QL.

Should you remain dissatisfied with our response, you may approach the Financial Ombudsman Service.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:

Duplicate Documents Nil
All mid term adjustments Nil
Cancellation of the policy within 14 days You may cancel the policy by writing to us. A proportionate charge for the time on risk will be made . If a claim has been made then the full annual premium is payable.
Cancellation of the policy after 14 days You may cancel the policy at any other time by writing to us. A proportionate charge for the time on risk will be made. If any claim has occurred then the full annual premium is payable.
New business / Renewal Nil

Renewal

If you pay your premium by instalments your policy will automatically renew on an annual basis for your convenience. This will be confirmed by us by sending to you your renewal documents detailing the premium payable and the terms and conditions applicable for the renewed policy. If you do not wish your policy to renew, you should write to us and cancel your direct debit or continuous credit card mandate.

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 claims made under it, or result in an increased premium or additional terms.

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

ARG Insurance Services Limited, a company incorporated in England, is a member of the Argos Retail Group ('the Group'). The Group ('we', 'us') also includes Argos Limited, ARG Card Services Limited, ARG Personal Loans Limited and their associated companies from time to time. A list is available on request from the Data Protection Compliance Manager, Insurance Services, Argos Limited, Avebury, 488-499 Avebury Boulevard, Milton Keynes MK9 2NW.

Use of Your Personal Information

We may use information about you as follows:

  • to fulfil our agreement with you, including administering any accounts, processing and obtaining payment

  • to analyse and profile your shopping preferences so we can review, develop and improve the services we offer, and provide you and other customers with relevant information through our marketing programme. We may use this information to automatically select and tailor products or services appropriate to your particular preferences. We may use it to inform you about products and services (including those of other companies and organisations) which we consider may be of interest to you. We may also give it to other organisations to use in the same way for their marketing. When you provide us with your information, you will be given the opportunity to say if you do not wish us to use or share it for marketing.

  • for fraud prevention and detection

  • to administer any prize draws or competitions you may enter

Disclosure of your personal information

We may give information about you as follows:

  • to companies and organisations whose products we provide to you, e.g. product, home and motor, financial and travel services

  • to third party administrators, solicitors and agencies, whereby it may be checked against centralised information held and shared with other insurers in order to investigate and settle claims

  • to our agents and employees to do any of the above things on our behalf

  • to anyone to whom we transfer our rights and duties under our agreement with you

  • if we have a duty to do so or the law allows us to do so

  • if required to do so by any relevant regulatory body

We may also monitor and/or record your telephone conversations to ensure consistent service levels, to prevent/detect fraud and for training purposes.

In carrying out the activities specified in this section, we may transfer data outside the European Economic Area to countries which may not necessarily afford the same level of protection regarding the use of your personal information.

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.

A specimen Policy is available on request.

 
 
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