Total Health Insurance in a Changing World

Terms of Business

BDHL Terms of Business


We, Berwick Devoil Healthcare Limited are authorised and regulated by the Financial Conduct Authority (FCA) to arrange general non-investment insurance products. Our registration number is 304127. You can check this on the FCA register by visiting the FCA’s website or by contacting the FCA on 0845 606 1234.

Berwick Devoil Healthcare Limited is also regulated by the Jersey Financial Services Commission (JFSC) registration number: GIMB0012

Berwick Devoil Healthcare Limited is registered in England No. 2983064. Registered office 1 The Old Stables, Eridge Park, Tunbridge Wells, Kent, TN3 9JT

Our Service

We act as an independent intermediary advising on your insurance needs.

We arrange your cover with a limited number of insurers to meet your needs and help you with any ongoing changes you may have. We offer a range of general insurance products and have access to a number of insurers with whom we place your insurance. We will give you details of these insurers when we discuss your individual requirements.


Our remuneration will be either a fee agreed with you or commission which is a percentage of the insurance premium paid by you, or by a combination of both. Commission and fees are earned for the full policy period and we will be entitled to retain all fees and commission in respect of the full policy period in relation to policies placed by us.

Insurance Premium Tax

Insurance Premium Tax is payable on most general insurance, including private medical insurance. The current IPT rate is 12%. IPT is not applicable in the Channel Islands.

Duty of Disclosure and Completion of Proposal Forms

It is important that you understand that any information, statements or answers made by you to us, or your insurer are your responsibility and must be correct;

When you arrange your insurance policy

Throughout the life of your policy

When you renew your insurance

When your circumstances change

Failure to notify us of pertinent information, or to highlight any omissions, errors or changes to information already submitted, could result in your insurance being invalid and could mean that all or part of a claim may not be paid. You are reminded that if you have a birthday between the quotation date and date of inception of cover you may find that your premium may be increased.

Awareness of Policy Terms

When a policy is issued you are strongly advised to read it carefully (along with any accompanying notes and information), as it is that document, its schedule, and any certificate of insurance (along with any application or proposal form), that are the basis of the cover you have arranged. If you are in any doubt over the policy terms or conditions, please seek our advice promptly.


BDHL does not accept or hold client money. You must provide the premium direct to the insurer due in accordance with the invoice supplied by them. Where an insurer has specified that the premium must be received by a certain date, failure to comply can result in the automatic termination of your insurance contract.


It is our intention to provide you with a high level of customer service at all times. If we do not meet your standards please contact our complaints officer, either verbally or in writing, who will take details of your concerns. We will acknowledge in writing advising you of who is dealing with your concerns and attempt to address these within 5 working days. If our investigations take longer we will provide a full response within 20 working days or explain our position and provide time scales for a full response.

In the event that you are not satisfied with the outcome of your complaint you may contact either the Financial Ombudsman Service (FOS) or the Channel Islands Financial Ombudsman (CIFO) using the details we provided when we first acknowledged your complaint. Any contact with the FOS or CIFO should be made within 6 months of our final response to you or your rights could be affected.


We are registered under the Data Protection Act 1998, registration number A2036134 and undertake to comply with the act in all our dealings with your personal data. Your personal information will be kept secure.


We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation for the FSCS if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Full details and further information on the scheme are available from the FSCS.

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