Bennetts Bike Insurance:
Customer Relations Manager,
The Saga Building,
About these Terms and Conditions
Bennetts Bike Insurance is a trading name of Saga 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 and, where appropriate, renewal arrangement fee 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?
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:
Further detail can be found in our terms of business document.
3. What will you have to pay for our services.
We will charge you the following fees for our insurance intermediary services.
If you cancel within 14 days we will charge you a fee of £30. If you cancel your policy at any time after the first 14 days we will charge you a fee of £50.
Policy Amendment Fee
All policy amendments are subject to an amendment fee of up to £32.00
Payment Handling Fee
We will charge you a handling fee of £3.00 for card payments.
Payment Default Fee
If we need to resubmit a request for payment to your bank you will have to pay us a £20.00 payment default fee.
Renewal Arrangement Fee
When you renew your policy, a non-refundable fee of up to £30.00 may apply.
4. Who Regulates us?
Saga Services Limited, Enbrook Park, Sandgate Folkestone, Kent, CT20 3SE is authorised and regulated by the Financial Conduct Authority (FCA). Our Financial Services number is 311557.
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.
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.
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 24hrs.
If your complaint is not resolved to your satisfaction within 24 hours, we will send you a written acknowledgement of your complaint together with the next steps we will be taking to resolve it within 3 business days. If you prefer to put your complaint in writing please send it to:
Bennetts Customer Relations Manager, The Saga Building, Middelburg Square, Folkestone, Kent, CT20 1AZ
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: firstname.lastname@example.org
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 Saga 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 and Saga Services Limited use 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.
For further information about how Bennetts and Saga Services Limited uses your personal information, please visit https://www.bennetts.co.uk/privacy-and-cookie-policy or contact the Saga Group Data Protection Officer by email: email@example.com or post: The Saga Building, Enbrook Park, Sandgate, Folkestone, Kent CT20 3SE.
9. Voucher Codes
If you have a promotional voucher code, please enter it when purchasing your policy, codes cannot be applied retrospectively:-
Saga 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.
Saga 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 Saga Services Limited.
This site is for personal use only. Commercial users must obtain prior authorisation from us in writing.
© 2000-2018 Saga Services Limited. All rights reserved.
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.
If you wish to communicate with BikeSocial you should contact us at firstname.lastname@example.org. 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 email@example.com . When doing so you must provide the following information :
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. © Saga Services Limited 2016.
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.
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.
8. Our Group of companies
Saga Group Limited. A company registered in England and Wales with registration number 2593690. Registered office: Enbrook Park, Sandgate, Folkestone, Kent CT20 3SE.
Saga Services Limited. A company registered in England with registration number 732602. Registered office is at Enbrook Park, Sandgate, Folkestone, Kent CT20 3SE.