Last updated: 30th June 2023
About these Terms and Conditions
Bennetts is a trading name of Bennetts Motorcycling 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 running fixed sum loan agreement, you will enter further contracts with each insurer or supplier for these services
The premium, an arrangement fee and tax 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.
1. Whose products do we offer?
- We offer products from a range of insurers for bike insurance
- We only offer products from a single provider for:
- Legal Expenses Cover, underwritten by Financial and Legal Insurance Company Limited and administered by 4th Dimension Innovation Limited.
- Personal Accident Cover, underwritten by UK General Insurance Limited on behalf of Watford Insurance Company Europe Limited.
- Helmet and Leathers Cover underwritten by UK General Insurance Limited on behalf of Watford Insurance Company Europe Limited.
- RAC Breakdown, RAC Breakdown Plus and RAC Breakdown EU provided by RAC Motoring Services (RACMS) and RAC Insurance Services Limited (RACIL).
- Premium Finance – provided by PremFina Limited
- Premium Finance – provided by Premium Credit Limited
2. Which service will we provide you with?
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:
- Arranging your bike insurance by selecting a range of best prices from our panel of insurers that we can offer, arranging your cover with the chosen insurer based on your requirements, dealing with your payment and providing you with the details and documentation relating to your policy.
- Dealing with your requests for adjustments you have to make to your policy, such as changes to the cover required, the use and/or property insured. We will notify the insurer, deal with any amendments or adjustments of premium required and provide you with confirmation of any changes to your policy. We may arrange cover with an alternative insurer if the amendments to your policy are not acceptable to your original insurer.
- We will also arrange the cancellation of your policy at your request, notifying the insurer, dealing with any refunds of premium, confirming the changes to your policy and arranging for the return of documents.
- Dealing with your requests for any duplicate or replacement documentation relating to your policy and/or additional products.
- We will arrange optional additional add–on products where you consider these products meet your needs.
- We will also arrange the renewal of your insurance and additional products based on your requirements (see Renewals section).
Further detail can be found in our terms of business document.
3. What will you have to pay for our services?
Please note: If your Finance Provider is Premium Credit Limited, they will advise you of any fees applicable to your Finance Agreement.
We will charge you the following fees for our insurance intermediary services.
Cancellation Fee
If either you or we cancel your policy within 14 days, we will charge you a fee of £10.
If either you or we cancel your policy at any time after the first 14 days, we will charge you a fee of £50.
The £20 arrangement fee included in your policy, is non-refundable.
Policy Amendment Fee
Policy amendments are subject to a policy amendment fee of £32.00.
Payment Default Fee
If we need to resubmit a request for payment to your bank, you will have to pay us a £20.00 default fee, as shown in section 'Payments Defaults' in your loan agreement.
Renewal Arrangement Fee
All renewal policies are subject to a non-refundable arrangement fee of £20.00.
New Business Arrangement Fee
All new business policies are subject to a non-refundable arrangement fee of £20.00.
4. Who Regulates us?
Bennetts is a trading name of Bennetts Motorcycling Services Limited, registered in England and Wales (company number 11453343) with its registered office at 27 Old Gloucester Street, London WC1N 3AX. Bennetts Motorcycling Services Limited is authorised and regulated by the Financial Conduct Authority (reg no. 913949).
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 0800 111 6768.
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 0344 412 2171. We will aim to resolve your complaint over the phone within 3 working days.
If your complaint is not resolved to your satisfaction within 3 working days, we will send you a written acknowledgement of your complaint together with the next steps we will be taking to resolve it. In line with the guidelines set by the FCA, we will strive to resolve your complaint at the earliest possible stage. If we have not resolved your complaint after eight weeks, we will write to you stating why we are still not in a position to make a final response and indicating to you when we expect to be able to provide you with one.
If you prefer to put your complaint in writing please send it to:
Bennetts Customer Relations Manager, Unit 3, Swan Park, Kettlebrook Road, Tamworth, B77 1AG
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 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.
Email address: complaint.info@financial-ombudsman.org.uk
Website: www.financial-ombudsman.org.uk
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 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. Please visit www.fscs.org.uk for more information.
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 Bennetts Motorcycle 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. This proof should be provided within 21 days of your policy start date. If you do not do this we will amend your policy to 0 years NCD and charge the additional premium plus a £32 admin fee. In some cases your policy could be cancelled and you may be charged a cancellation fee.
N.B. This NCD can only be used on one policy at any one time, must have been earned on a motorcycle and used on a policy within the last 24 months.
8. Data Protection Notification
Bennetts Motorcycling Services Limited uses the data, including sensitive personal data, that they collect from you and any named riders to contact you and personalise their communication. Bennetts and/or the insurer also use it for administrative purposes to provide the service you requested and for preparing quotations. If Bennetts has obtained your permission to do so, they will also contact you by post, telephone, email or other means to tell you about offers, products and services that may be of interest to you. At any time you can opt out of receiving such information, revise the products you would like to hear about or change the method they use to communicate with you. You can update these preferences by calling 0330 018 3071.
9. Voucher Codes
As a result of industry wide Financial Conduct Authority regulation changes (1st January 2022), voucher codes will no longer be issued or redeemable against any insurance premiums or additional products.
10. Disclaimer
Bennetts Motorcycling 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.
11. Copyright
Bennetts Motorcycling 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 Bennetts Motorcycling Services Limited.
This site is for personal use only. Commercial users must obtain prior authorisation from us in writing.
© 2022 Bennetts Motorcycling Services Limited. All rights reserved.
BIKESOCIAL TERMS OF USE
These terms govern the use of BikeSocial via both the Bennetts website (www.bennetts.co.uk) and the BikeSocial website (www.bikesocial.co.uk). References to ‘website’ shall be construed to both accordingly.
1. Contact
If you wish to communicate with BikeSocial you should contact us at enquiries@bikesocial.co.uk. 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.
2. Abuse Notifications
2.1. 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 BikeSocial on enquiries@bikesocial.co.uk . When doing so you must provide the following information :
- identify, in sufficient detail, the unlawful content so that we can locate the unlawful content on the site;
- state why you believe the content to be Unlawful Content and, in the case of content that is alleged to infringe intellectual property or privacy rights, You must state the owner of that intellectual property or the name of the individual concerned;
- include a statement from you that you have a good faith belief that the Content is Unlawful Content and that the information you have provided in your notification is true, accurate and complete in all respects and;
- provide us with any assistance we may reasonably require in order to investigate your notification (we will not cover any costs or expenses incurred by you when doing so).
2.2. 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.
2.3. 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.
2.4. 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.
3. Our Intellectual Property
3.1. 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. © 2021 Bennetts Motorcycling Services Limited.
3.2.You are granted a limited licence to access and use BikeSocial and our content in BikeSocial 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 BikeSocial for commercial purposes.
3.3.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 BikeSocial (excluding any software code) solely for your personal use in connection with viewing BikeSocial and as a genuine user of BikeSocial.
3.4."Bennetts", "BikeSocial" and other marks used on this site are our trademarks or those of our licensors and may not be used without our prior written permission.
3.5.You may not use any meta tags or any other hidden text using our names or trademarks without our prior written permission.
4. Linking to this site and framing of this site
4.1.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.
4.2.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.
5. 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.
6. Severance
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.
7. Jurisdiction and Governing Law
These Terms and all claims arising out of or in connection with these Terms and BikeSocial 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 BikeSocial shall be subject to the exclusive jurisdiction of the courts of England and Wales.
