Terms and Conditions

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 search engine, designed to save you time and money when it comes to getting quotes for you your motorbike insurance. We endeavour to find you the most competitive quotes and also provide you with the information required to make the best choice on which policy suits your needs.

Our company

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 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 very sophisticated, 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 about you, not requested during the quote process from The Bike Insurer is required to be disclosed, or whether something may be incorrect, please contact your selected broker before you accept the quotation.

Complaints

At The Bike Insurer we like to think that we operate to very high standards, however we are aware there may be occasions when you feel we have not achieved this. In these cases we want you to tell us as this is the only way we'll be able to improve our service by sending an email to The Compliance Officer who can be reached at customer.services @thebikeinsurer.co.uk

The Compliance Officer is responsible for monitoring the quality of our service and will ensure that your complaint is dealt with correctly. The Compliance Officer will acknowledge your complaint within five business days and inform you who is dealing with your complaint. If our investigations take longer that this we will provide a full written response within 20 business days, or explain the current position of your complaint and provide you with an indication as to when we expect to provide our final response.

If your complaint relates to the broker or the insurance policy then you will be advised and given full details of how to contact your broker.

If you have been given a final response and you are still dissatisfied then you are entitled to refer your complaint to the Financial Ombudsman Service (FOS) who can be contacted at:

Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR

Any decision made by the Financial Ombudsman Service is only binding on the Insurers and Bike Insurer Services Limited. You may remain free to take legal action in court.

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 interpretted 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.

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 can accept no liability for any errors or omissions. We reserve the right to add, amend or delete content from the site at any time.

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 will be effective from the date they are posted on our site.

Recommend

Nothing within this website is, or shall be deemed to constitute, financial or other advice or a recommendation to purchase any product or service. Any and all information provided within the website is for general information purposes only. We strongly recommend that independent professional advice is obtained before you purchase any product and/or service via this website.

Exclusion of liability

Exclusion of liability for third party provider's products and services.This website can be used to apply for and buy a number of products and services. Please note that most of the products and services that appear on the website are provided by third parties over whom we do not have control. If you apply for and buy such products and services you will be contracting with a third party who will be providing such products and services on their own terms and conditions. You should check that you are happy with those terms and conditions before entering into such a contract. We accept no liability for any products or services provided by third parties.

How we use your personal data

Your personal information is used for the purpose of getting you an insurance quote. Additionally, The Bike Insurer and other carefully selected third parties may use your information to keep you informed by post, telephone, SMS or email about current and new products and services which may be of interest to you. Your information may also be disclosed and used for these purposes after your policy has lapsed.

If you would prefer not to receive this information or wish to update your own contact preferences please click here. If you have any enquiry about our data protection and privacy policy or practices, please email us – customer.services@thebikeinsurer.co.uk

You may recieve a customer care call as part of the quote process. This is designed to ensure that the quality of service offered is the best available and we will use the customer feedback to improve our service where possible.

As part of the quote process, you are also able to recieve free legal cover which protects you in the event of a non fault accident. The details of this policy will be emailed to you following your quote. This is free of charge to you and you have no obligation to use this service.

If you do not wish your information to be used in this way, or have any enquiry about our data protection and privacy policy or practices, please email us – customer.services@thebikeinsurer.co.uk