Total Health Insurance in a Changing World

Terms of Business

BDHL Terms of Business

The purpose of this document is to set out our professional relationship and the services we will provide to you.  For your own benefit and protection, you should read the terms carefully.  If there are any terms which you do not understand, please ask for further information.

  1. About us

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 and Jersey Financial Services Commission Reg. No. 0012.  You can check this on the FCA register by visiting the FCA’s website www.FCA.gov.uk/register or by contacting the FCA on 0845 606 1234. For Jersey, please contact the Jersey Financial Services Commission on 01534 822 000.  For Guernsey, we are an Authorised Representative of Heritage Insurance, whose company registration Number is 29399.  Heritage Insurance is a trading style of Heritage Insurance Brokers Limited, a company which is licensed by the Guernsey Financial Services Commission.  Please note that not all products and services are regulated by the FCA, JFSC and GFSC and we will tell you where this is the case.

  1. Scope of service

We act as an independent intermediary advising and arranging your requirements for the following:

Corporate Clients

·          Group Private Medical Insurance

·          Group Cash Plan

·          Group Dental Insurance

·          Group Income Protection

·          Group Critical Illness

·          Group Dependents Pensions

·          Health Screening

·          Group Life Assurance

·          Employee Assistance Programmes

·          Occupational Health

·          Group Travel Insurance

·          International Medical Insurance

·          International Group

Retail Clients

·          Private Medical Insurance

·          International Medical Insurance

·          Health Screening

·          Cash Plan

·          Dental Insurance

·          Travel Insurance

 

We provide a recommendation and advice on a fair analysis of the market.  We are under no contractual obligation to any insurance company.  We may however, have preferential arrangements available to us that we may recommend to you and you will be advised in our written report if this is the case.  We will clearly state in written report to you whether we are providing you with advice and thus a recommendation or whether the information provided is on a non-advised basis.  Please also note that we do not provide care or guarantee access to healthcare services as an insurance intermediary.  Please see the products and policy terms for a complete description of benefits, exclusions, limitations and conditions of coverage. We aim to provide complete and accurate information to you to provide you with a recommendation.  In the event of a dispute, the insurers terms and conditions will always apply.

  1. MEANS OF PROVIDING INFORMATION

We will provide written correspondence via electronic means, if this is the usual way we correspond with you.  However, should you wish for us to provide paper copies of any documentation we will do so upon request, free of charge. BDHL will not accept any liability for any paper based correspondence being lost in transit.

  1. Conflicts of INTEREST & Treating Customers Fairly

As independent insurance brokers we act as the agent of our client (you).  We are subject to the law of agency which imposes certain duties on us.  We also have proper regard for the interests if others, including insurers for whom we act.  Where we become aware of any actual or potential conflict of interest we will inform you of the situation, the options available to you and obtain your consent before we carry out your instructions. We aim to provide our customers with an excellent service to ensure their insurance requirements are met and to deal with them in an open, honest and fair manner.

  1. REMUNERATION

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.  Once our remuneration has been earned, our fees will not usually be returnable if the insurance is cancelled after inception. You are entitled at any time to request information regarding any commission which we may have received because of placing your insurance business.  If you make a change to your policy that results in a return of premium or if you cancel a contract mid-term, we will retain and offset any commission or charge a fee to cover administration costs.

  1. we do not handle client money

All premiums should be made to the insurer directly.  We never accept a cheque made payable to us unless it is in settlement of our fees for which we will send you an invoice.  we do not accept cash

  1. COMPLAINTS

It is our intention to provide you with a high level of customer service always.  If we do not meet your standards please contact our Chief Operating Officer, either verbally or in writing, who will take details of your concerns.  The details are as follows: Caroline Shepherd, Chief Operating Officer, 17 Mount Ephraim, Tunbridge Wells, Kent, TN4 8AE. T: 01892 891900
E: CShepherd@bdhl.co.uk . If you are not satisfied with the outcome you may contact the appropriate Financial Ombudsman Service. Full details of these services can be found on their websites www.financial-ombudsman.org.uk or you can call on 0800 023 4 567 for the UK. For the Channel Islands the website address is www.ci-fo.org or you can call 01534 748610 (jersey) or 01484 722218 (Guernsey).

  1. COMPENSATION

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 at www.fscs.org.uk

  1. Insurers/PROVIDERS

It is our normal proactive to assess on a regular basis the financial strength of the financial institutions that we introduce to our clients. This process involves monitoring the financial ratings applied by independent rating agencies such as Standard & Poor’s and Moody’s along with publicly available information.  The rating applied to each firm reflect the agencies views on the medium to long term ability of each firm to meet its obligations to its policy holders.  Where an insurer achieves or exceeds our minimum requirements we place it on our acceptable list.  It should be noted that whilst we take every care to promote only the strongest institutions, we are unable to guarantee the financial strength of the insurers with whom we place business, it should be noted that the claims-paying ability of even the strongest insurers could be affected by adverse business conditions.  We cannot therefore, guarantee the solvency of any insurer or underwriter.  A liability for the premium whether in full or pro rata, may arise under policies where a participating insurer becomes insolvent.

  1. Using Personal Information & Confidentiality

Full details of how we handle data can be found in our Privacy Notice on our website www.bdhl.co.uk/privacy-policy.   In supplying services to you, we may share information about you with credit reference agencies and other companies for fraud detection and/or money laundering prevention.  All information provided by you is treated as confidential and only disclosed in the normal course of negotiating, arranging and administering your insurance.  This may include disclosing information to agents and service providers such as loss adjusters and approved contractors.  We will not release information to any other party without your consent with a few exceptions, for example, information request by court, a regulatory body, or information which is already in the public domain.  We are registered under the Data Protection Act, registration number A2036134 and undertake to comply with this legislation, including the General Data Protection Regulations in all our dealings with your personal data.

 DUTY OF DISCLOSURE

It is important that you understand that any information, statements or answers made by you to us or your insurers are your responsibility and must be full and correct.  You are responsible, on an ongoing basis, for providing us and/or your insurers with all material facts relating to the insurance covers we arrange on your behalf.  Material facts are those which are likely to affect the assessment and acceptance of risks being insured.  For example, pre-existing medical conditions and member’s ages.  Failure to provide full and accurate information may mean that your cover is invalid and therefore you will not be able to use your insurance coverage to pay for any costs.  If you are in any doubt what facts are to be considered as material facts then you should disclose to your insurers.  It is very important that information given in proposal forms, claim forms and declarations are correct.  If a form or declaration is completed on your behalf, it is your responsibility to check that the answers given to the questions are true and complete.  You are advised to keep copies of any correspondence you send to us or direct to your insurers.  Should any members of the scheme be required to complete an application form, we recommend that you bring to their attention any declaration to which they must agree.  Should they fail to complete the form honestly and to the best of their knowledge, any claim may be rejected by the insurers and the member will be liable for any costs incurred.

  1. AWARENESS OF POLICY TERMS

When a policy document 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.

  1. Anti-Bribery and Corruption

The parties agree that bribery, as defined under the Bribery Act 2010, is prohibited.  It is therefore agreed that neither party will request, accept, offer or provide any payment or other advantage, to or from any person, which, in the absence of documentation to demonstrate otherwise, can be perceived as capable of influencing any person connected with the activities of either party to act improperly in contravention of the Bribery Act 2010.

  1. BDHL’s RestriCtion of Liability

The maximum liability for any one claim is £1,200,000.

  1. Termination of contract

If you are a customer classed as a Corporate or Group Customer, this agreement can be terminated by either party by providing three months’ notice.  If you are a customer classed as a “consumer” (i.e. you are acting for purposes outside of your trade, business or profession, this agreement can be terminated by either party by providing 30 days notice, in writing to the other.

  1. Law & JUrsidiction

These terms of business shall be governed and construed in accordance with English Law.  In relation to any legal action or proceedings arising out of, or relating to, these terms of business unless otherwise agreed, we both irrevocably submit to the non-exclusive jurisdiction of the courts of England and Wales.

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