BKG West Terms of Business & privacy policy

Terms of Business for the Supply of Insurance (Commercial Clients)

1. We are an Independent Insurance Intermediary and we will act on your behalf in arranging your insurances. Our Services include (i) advising and making recommendations on your insurance needs; (ii) arranging your insurance cover with Insurers to meet with your requirements or where your requirements cannot be fully met, providing you with enough information to enable you to make an informed decision; (iii) helping you with any changes that you need to make to your insurance during the Policy period; (iv) telling you when you need to renew your Policy in time to allow you to consider and arrange any continuing cover.
2. For some Policies we arrange, you will deal directly with the Insurer for ongoing Policy administration and claims.
3. As part of our service we can assist you with any claim you need to make.
4. We can issue Policies and handle claims on behalf of certain Insurers, and should this be applicable to you we will explain separately the particular products and services we offer.
5. We offer a wide range of personal and commercial insurance products and have access to leading Insurers.

In addition to the premiums charged by Insurers, we may charge professional fees to cover the placing and administration of your insurance. Such fees will be clearly identified at the point of sale. We earn the entirety of our commission and/or fees when your risk is successfully placed.

We normally accept payment by guaranteed cheque or credit card or the Bankers Automated Clearing System (BACS). We require full payment of premium within fourteen days of cover being effected. You may be able to spread your payments through Insurers Instalment Schemes or one of the Credit Schemes which we have arranged with Close Bros. Ltd and Premium Credit Limited. We will give you full information about your payment options when we discuss your insurance in detail.

1. The General Insurance Standards Council (GISC) is an independent organisation set up to regulate sales, advisory and service standards and to make sure that General Insurance customers are treated fairly.
2. We are members of and regulated by the GISC.
3. It is our intention to provide you with a high level of customer service at all times. If you should wish to make a complaint about our service we have a formal complaints procedure. In the first instance you may contact us in writing or by phone, fax or at our e-mail address. Please address, on telephone number 0870 300 1904, your complaint to Mr M. Peasey, Technical Director. All complaints will be acknowledged within five business days of receipt and you will be advised of the person who will be dealing with the complaint. We will review the matter and provide a formal response within 20 days from the receipt of the original complaint. If we are unable to respond within this period we will write and tell you the date when our reply can be expected. You will be advised of any redress available to you should you believe the matter has not been resolved to your satisfaction.

4. Please note that the following products we offer are not insurance products and are therefore not covered by the GISC Code:

1. Uninsured Loss Recovery Service.
2. Legal Helpline.

In the event that any other of our services are not covered by the GISC Code, we will give you full details of any such arrangements before you make any commitment on any product we offer you.

6. A copy of the GISC Commercial Code is available upon request.

Customers Duty

1. It is your responsibility to provide complete and accurate information to Insurers when you take out your Insurance Policy, throughout the life of your Policy and when you renew your insurance.
2. It is important that you ensure that all Statements you make on Proposal Forms, Claim Forms and other documents are full and accurate.
3. Please note that if you fail to disclose any material information to your Insurers this could invalidate your insurance cover and could mean that part or all of the claim may not be paid.

We may keep certain documents such as your Insurance Policy Documents or Certificates or Schedules whilst we are waiting for full payment of premiums or administration charges or should you specifically request us to hold them for you in safe keeping. In these circumstances we will ensure that you receive full details of your insurance cover and provide you with any documents that you are required to have by law.

1. All personal information about you will be treated as Private & Confidential.
2. We will only use and disclose the information we have about you in the normal course of arranging and administering your insurance. We may pass information about you to credit reference agencies for the purposes of arranging payments by instalments and may also pass to them details of your payment record with us. We will not disclose any information to any other parties without your consent, unless required to do so because we are a member of the GISC or if we have to by law. We may, however, use the information we hold about you to provide information to you about other products and services which we feel may be appropriate to you.

4. If you do not wish to receive marketing information from us please write to us at the address below.

BKG House

Rickford

Bristol BS40 7AH

Telephone No. : 01761 462200

Facsimile No. : 01761 463264

E-Mail : enquiries@bkgwest.co.uk