Bike Insurer Services Limited – Terms and Conditions. Version 1.0

This agreement

By using The Bike Insurer website, you are agreeing to these Terms and Conditions so that we can deliver to you the quotes where available from UK motorbike insurance brokers.

Our comparison service

The Bike Insurer provides a fully independent and online motorbike insurance comparison engine, designed to save you time and money when it comes to getting quotes for you your motorbike insurance. We try to find you the most competitive quotes and also provide you with the information required to make the best choice on which motorbike insurance policy suits your needs.

Our firm

www.thebikeinsurer.co.uk is a trading style of Bike Insurer Services Ltd and is registered in England and Wales, registration number 5319649, registered address: Staple Court, 11 Staple Inn Buildings, London, WC1V 7QH.

We are authorised and regulated by the Financial Services Authority, registration number 433041. 

Our responsibility

The Bike Insurer will provide you with a range of quotations from insurance brokers based on the information you have provided to us. It is essential that all information and answers are true and accurate and that you also disclose all relevant facts. Failure to provide accurate information could lead to your insurance being invalid and you being liable for any third party costs in the event of an accident.

In order to accept a quotation provided by The Bike Insurer you will need to either link to your selected motorbike insurance broker’s website and retrieve your details to accept the policy, or contact them by phone. Before accepting a policy it is of the utmost importance that all the information the broker holds on you is accurate. It is your responsibility to ensure all details are correct. Failure to do so could result in your insurance being invalid. It is also important that you read any terms or conditions as they will vary and are the terms that you will be agreeing to.

Our comparison quote engine

The Bike Insurer is a very sophisticated product, however sometimes mistakes happen. If the information passed is not correct it is your responsibility to identify the mistake and, as such, we relinquish all liability which by law we can exclude, in respect of all losses you may incur.

If you have any doubts whether further information is required from you by the broker, that we did not ask  you during the quote process, or you think something may be incorrect, please contact your selected motorbike insurance broker before you accept the quotation.

Complaints handling

We’re here to resolve your problem.

We do everything we can to make sure that our customers get the best possible service. However, sometimes we do not get things right. When this happens we will encourage you to tell us about your complaints so that we can put matters right.

We want to:

• Make it easy for you to raise your complaint

• Listen to your complaint

• Consider how you would like us to resolve your complaint

• Make sure you are satisfied with how your complaint was handled

The remainder of this section explains what to do if you have a complaint about the service from The Bike Insurer. It also tells you how quickly we will deal with your complaint and who to contact if you are not satisfied with our response.

How and where to complain to:

If you are not satisfied with any aspect of our service or products, you can tell us about your concerns in the following ways:

• By email – address your letter to customer.services@thebikeinsurer.co.uk  

• By phone – call us on 0870 225 8207

How long will it take?

Immediately

Our aim is to resolve your complaint straight away.

2 days

If we have been unable to resolve your complaint by the end of the following business day after we received it, we will write to you to:

• Acknowledge your complaint

• Tell you who is dealing with your complaint

10 days

In the majority of cases, we will be able to resolve your complaint within 10 business days of receiving it. If we have not resolved it within 10 business days, we will contact you again to update you with progress and tell you how much longer we anticipate it will take.

8 weeks

In exceptional circumstances where your complaint is particularly complex, matters may take up to 8 weeks to resolve. If your complaint is not resolved within 8 weeks then we will write to you requesting more time or send you a “Final Response”. After 8 weeks has elapsed, you may be eligible to contact the Financial Ombudsman Service to discuss your complaint. They may be able to look into your complaint and help you reach a satisfactory conclusion. When we send you a response explaining how we will or have settled your complaint, if we do not hear from you within 8 weeks, we will consider your complaint closed.

What happens if we cannot reach agreement?

The Bike Insurer is a member of the Financial Ombudsman Service and if we cannot reach agreement with you, we will send you a “Final Response” letter. This will clearly set out our position with regard to your complaint and will advise you on how to contact the Financial Ombudsman Service if you wish them to review your case.

The Financial Ombudsman Service

The Financial Ombudsman Service offers a free independent service and they can help with most financial complaints. However, there are some limitations on what the Financial Ombudsman Service can look into, and further information about this can be obtained from them directly.

We are committed to resolving your complaint fairly and quickly. In most cases, this can be done if you contact the relevant business area at the beginning. They will try to resolve your complaint by listening to you to understand what has gone wrong.

Our aim is to resolve all complaints internally. However, if you are not satisfied with our suggested resolution, or if eight weeks have passed since you first brought your complaint to our attention, you have the right to refer your case to the Financial Ombudsman Service. You can write to them at:

The Financial Ombudsman Service

South Quay Plaza

183 Marsh Wall

London

E14 9SR

Telephone: 0845 080 1800

E-mail: enquiries@financial-ombudsman.org.uk   

Intended use

This site is intended for use of UK residents only and due to this, applications from non-UK residents will not be accepted. These Terms and Conditions shall be governed by and interpreted in accordance with the Laws of England and Wales. There are a number of other factors that The Bike Insurer assumes correct. If you do not agree with any of these then you should not continue to the quote process:

Your motorcycle has not been modified in any way from the manufacturers standard specification.

The motorcycle is not a registered Q plated bike – Call 0800 089 0322 for Q plate insurance.

You are or will be at the time you purchase insurance, the owner and the registered keeper of the motorcycle.

You and any additional riders hold or will hold the correct license to ride the motorcycle proposed.

You and any additional riders do not have a disability or medical condition which needs to be disclosed to the DVLA - Call 0800 089 0322 for disabled bike insurance.

You and any additional riders have never been refused insurance or had special terms imposed on previous insurance policies, been convicted of a non-motoring offence in the last 5 years (e.g. theft, dishonesty, fraud) or have any Notice of an Intended Motoring Prosecution pending.

Links to other sites

The Bike Insurer provides links to third party websites as part of our service. We accept no liability for any statements, information, content, products or services that are published on, or may be accessible from, these third party sites. We can also give no guarantee they are free from viruses or anything else that could be infectious or destructive.

Website content

We have taken every step to ensure the information contained and displayed on The Bike Insurer website is accurate and up-to-date. However, we cannot accept liability for any errors or omissions. We reserve the right to add, amend or delete content from the site at any time.

 

Copyright

The copyright in the material contained on the site belongs to Bike Insurer Services Limited. Any person may copy any part of this material, subject to the following conditions:

• the material may not be used for commercial purposes

• the copies must retain any copyrights or other intellectual property notices contained in the original material

• any images on the site are protected by copyright and may not be reproduced or used in any manner without written permission from the owner

Commercial use

Please note this web site is for non-commercial, personal use only.

Intellectual property

All Intellectual Property Rights pertaining to Bike Insurer Services Ltd are hereby reserved.

Amendments

We reserve the right to amend our Terms and Conditions at any time. The amended Terms and Conditions will be effective from the date they are posted on our site.

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