Terms & Conditions of Use

These terms and conditions shall apply to Your use of the Website located at www.budgetinsurance.com.

By using the Website You agree to be bound by the terms and conditions set out below and if You do not wish to be bound by these terms and conditions You should not use the Website.

We reserve the right to alter these terms and conditions from time to time but if We do so We shall post any such changes on the Website. Your continued use of the Website shall constitute acceptance of the amended terms and conditions.

Definitions
Who Regulates us?
Whose products do we offer?
Use of the Website
Your Obligations
Which service will we provide you with?
Price Delivery
What will you have to pay us for our services?
What to do if you have a complaint?
UK Residents Only
Intellectual Property
Responsibility for content
Privacy Policy
Third Party Websites
Termination
General

1. Definitions

"You" and "Your" means the person who wishes to use the Website,

"We" "Us" and "Our" means BUDGET Insurance Services.com a trading name of BISL Limited of Pegasus House, Bakewell Road, Orton Southgate, Peterborough, PE2 6YS its employees and agents, its successors and includes any other person or business to whom We may transfer Our rights under these terms and conditions.

"Website" means a site on the World Wide Web.

2. Who Regulates us?

BISL Limited, Pegasus House, Bakewell Road Orton Southgate, Peterborough, PE2 6YS is authorised and regulated by the Financial Services Authority (FSA). Our FSA Register number is 308896.

Our permitted business is arranging general insurance contracts.

You can check this on the FSA's Register by visiting the FSA's website www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.

3. Whose products do we offer?

We offer products from a range of insurers for car, home and commercial van insurance

We only offer products from a single insurer for

Motor legal protection, provided by ACM ULR Limited and underwritten by I.G.I Insurance Company Ltd
Payment Protection, underwritten by Sterling Insurance Company Ltd

4. Use of the Website

You agree that Your use of the Website shall be in accordance with the following conditions:

You will not do anything that affects the integrity or security of the Website or causes unreasonable inconvenience to any of Our staff.

5. 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 We reserve the right to collect. Proof of No Claims Discount (NCD) will be required if you take out a policy 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. N.B. This NCD can only be used on one policy at any one time, and must have been used on a policy within the last 24 months.

6. Which service will we provide you with?

You did not receive advice or a recommendation from us. We asked some questions to narrow down the selection of products that we provided details on. You then made your own choice about how to proceed. Your quote will remain valid for 30 days.

7. Price Delivery

You should receive the results of our price comparison technology interactively. However, we are completely reliant on the availability of the third party sites and on the overall performance of the world wide web. At certain times interactive quotes are not available. You will be advised if this is the case and under these circumstances we will e-mail you to advise when your quotes are ready.

All providers specialise in slightly different risks and they do not quote on risks that fall outside their target customers. The more "high risk" or "non-standard" your risk is classed as by them. the fewer prices you will receive. In some cases, it might not be possible for you obtain a quote at all over the internet. In such cases we may put you in contact with a specialist telephone provider who will approach the insurance underwriters direct and negotiate a special rate on your behalf.

8. What will you have to pay us for our services?

Full details of any fees for amendments or services related to your policy can be found in your policy documentation.

9. What to do if you have a complaint?

Service Standards
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.

Complaints Procedure
If you have a complaint about our service or your policy, please contact us first by phone and if after talking to us you are still not happy please write to our Service Quality & Assessment Manager at the address shown below. Should you wish to use an alternative means of communication, we are happy on request to correspond with you by e-mail, or fax.

For the purposes of handling complaints our working day is 9am to 5pm Monday to Friday, not including Bank Holidays.

By telephone:
Please ring 08705 845 050 and you will be put through to the Customer Service Team. We will attempt to resolve your complaint within 24 hours. If this does not happen we will agree your next step with you.

In writing:
Please address your letter to:

Service Quality & Assessment Manager
Fusion House
Bretton Way
Peterborough
PE3 8BG

Please include details of your name and address, a contact telephone number, your policy or quote number and details of why you are unhappy. This will help us to respond to you as quickly as possible. If we do not have enough information to investigate your complaint we will contact you to ask you for further details. In all cases we will send a written acknowledgement of your complaint to you within 5 working days of its receipt. In our acknowledgement we will advise you of the name and job title of the person who will be dealing with your complaint.

Within four weeks of receiving your complaint we will send you either: A final response; or A letter explaining why we are not yet in a position to resolve your complaint and advising you of when we will be contacting you again.

By the end of eight weeks after receipt of your original complaint letter we will send you: A final response; or A letter explaining why we are still not in a position to issue a final response and advising you of when we expect to be able to do so. At this time, if you are dissatisfied with the delay you may refer your complaint to the Financial Ombudsman Service. For full details of our complaints handling process please see the section marked 'Our Service Commitment' in your main policy documentation.

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 100% of the first £2000 and 90% of the remainder 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.

10. UK Residents Only

The products and services described on this website are only available to residents of the United Kingdom insuring private cars within Great Britain, Northern Ireland and the Isle of Mann (excluding the Channel Islands). By requesting a quote, you confirm that all drivers on your policy are UK residents and that if there is any change to this status then you would immediately notify the insurance provider.

11. Intellectual Property

The copyright material contained in this website and any trademarks and brands included in that material belongs to Us or Our licensors.

You may download or copy the content and other downloadable items displayed on the Website subject to the condition that the material may only be used for personal non-commercial purposes. Copying or storing the contents of the Website for other than personal use is expressly prohibited.

12. Responsibility for content

We are providing this Website on an "as is" either end basis and make no representations or warranties of any kind in respect of this site or its contents and disclaim all such representations and warranties. In addition, We make no representations or warranties about the accuracy, completeness, or suitability for any purpose of the information and related graphics published in this Website. The information contained in this site may contain technical inaccuracies or typographical errors. All Our liability howsoever arising for any such inaccuracies or errors is expressly excluded to the fullest extent permitted by law.

We make no warranty that the Website or any linked website is free from viruses or other malicious computer problems. You are responsible for ensuring that you use the appropriate virus checking software.

Neither We nor any of our employees or other representatives will be liable for loss or damage arising out of or in connection with the use of this site. This is a comprehensive limitation of liability that applies to all damages of any kind, including (without limitation) compensatory, direct, indirect or consequential damages, loss of data, income or profit, loss of or damage to property in claims of third parties.

Notwithstanding the foregoing, none of the exclusions and limitations under the clause are intended to limit any rights You may have as a consumer under local law or other statutory rights which may not be excluded or in any way to exclude or limit Our liability to You for death or personal injury resulting from Our negligence or that of Our employees or agents.

13. Privacy Policy

We shall comply with all applicable data protection legislation from time to time in force in respect of the personal data we collect from You.

We acknowledge and agree to be bound by the terms of Our Privacy Policy.

14. Third Party Websites

This website may also contain hyper text 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.

15. Termination

We have in Our sole discretion the right to issue a warning, temporary suspension, or an indefinite suspension and termination of Your rights to use the website if You:-

act inconsistently and in breach of these terms and conditions;
at any time violate or attempt to violate any rights of any other user of the website or third parties;
are engaged in any fraudulent activity.

16. General

If any provision of these terms and conditions are held by any competent authority to be invalid or unenforceable in whole or in part, the validity of the other provisions of this agreement and the remainder of the provision in question will not be affected.

English law will apply to this agreement and the parties agree to submit to the non-exclusive jurisdiction of the English courts.

Save as expressly provided elsewhere these terms and conditions shall apply only between Us and You and no other person shall be entitled to benefit from them.

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