Pet Insurance

Terms of Business

Who are we?

Polices are arranged and administered by

BDML Connect Ltd
The Connect Centre
Kingston Crescent
Portsmouth
PO2 8QL

BDML Connect Limited is an insurance intermediary. Pet Insurance is underwritten by Agria International Forsakring AB.

Advice

We do not give opinions or recommendations. We will give you information about a product but cannot make a decision for you.

Who Regulates us?

BDML Connect Limited are authorised and regulated by the Financial Services Authority (FSA).

BDML Connect Limited's FSA number is 309140.

Our permitted business is arranging general insurance contracts. BDML holds money as agent of the insurer.

You can check this information 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.

Who Owns us?

BDML Connect Limited is part of the Capita Group plc..

What to do if you need to complain

Please phone our Customer Service Department on 0845 850 0265 or write to

The Quality Manager
Halifax Pet Insurance
5th Floor
The Connect Centre
Kingston Crescent
Portsmouth
PO2 8QL.

Should you remain dissatisfied with our response, you may approach the Financial Ombudsman Service. Full details of our complaint procedure are given in our Policy Booklet, a copy of which is available on request.

Charges

In addition to premiums charged by insurers we make the following charges:

Duplicate Documents	£9.00
New Business and Renewal	£9.00
All mid term adjustments	NIL
Cancellation of the policy within the first 14 days of receipt of the policy documents	Provided there has not been a total loss claim, a pro rata refund will be made if you decide to cancel the policy within the first 14 days of the policy.
Cancellation of the policy after the first 14 days of receipt of the policy documents	Provided there has not been a total loss claim, a pro rata refund will be made if you decide to cancel the policy.
Other charges that may apply	If you are paying your premium by monthly instalments by Direct Debit we reserve the right to apply a charge for any unsuccessful collection of a monthly instalment. This currently stands at £20 per rejected instalment.

Renewal

If you pay your premium by instalments your policy will automatically renew on an annual basis for your convenience. This will be confirmed by us by sending to you your renewal documents detailing the premium payable and the terms and conditions applicable for the renewed policy. If you do not wish your policy to renew, you should write to us and cancel your direct debit or continuous credit card mandate.

Your Duty to Disclose

It is important that all information you give us verbally or in writing in proposing for, renewing or making changes to your insurance or making a claim is full and correct; and that you tell us about changes such as, address, or pet details etc. Failure to do so could later invalidate your policy or claims made under it, or result in an increased premium or additional terms.

Making amendments to your policy

Need to make any change or correction to your policy please write or telephone our service team. You may give us instructions or raise queries by E-mail at service@bdml.co.uk. Please remember that receipt is not guaranteed and it is your responsibility to confirm that we have received your message. You are advised to check by telephone to ensure that we have received your instructions.

Fraud Prevention and Detection

In order to prevent and detect fraud we may at any time:

• Share information about you with other organisations and public bodies including the Police.
  
  
• Check and/or file your details with fraud prevention agencies and databases, and if you give us false or inaccurate information and we suspect fraud, we will record this.

We and other organisations may also search these agencies and databases to:

• Help make decisions about the provision and administration of insurance, credit and related services for you and members of your household;
  
  
• Trace debtors or beneficiaries, recover debt, prevent fraud and to manage your accounts or insurance policies;
  
  
• Check your identity to prevent money laundering, unless you furnish us with other satisfactory proof of identity;
  
  
• Undertake credit searches and additional fraud searches.

Data Protection

For Data Protection Act purposes Halifax Pet Insurance is the data controller. We will hold and process your personal data for insurance administration and marketing. For this purpose, the information may also be passed to selected third parties, insurers and reinsurers, and may be processed outside the EEA.

You understand that all personal data you supply must be accurate.

We will discuss your policy with your spouse and make amendments but not cancellation. If you do not wish us to do this then you must let us know. If you would like any other person to discuss your policy or make amendments then we must have your written permission.

Halifax Pet Insurance likes to keep you up to date about its own products and services and those of other companies which might be of interest to you. However, if you prefer not to be kept informed please write to us at:

Pet Insurance Quoteline
Freepost
Hampshire
PO2 8ZY

Law applicable to this policy

You and we are free to choose the law applicable to this contract but in the absence of agreement to the contrary the law of the country in which you are resident at the time of the contract will apply. If you are not resident in the United Kingdom, the law which will apply will be the law of England and Wales.

Financial Services Compensation Scheme ('FSCS')

We are members of the Financial Services Compensation Scheme (FSCS). If we were unable to meet our obligations you might be entitled to compensation from the scheme, depending on the type of insurance and circumstances of any claim. Further information can be obtained from www.fscs.org.uk or by telephoning 020 7892 7300.

A specimen Policy is available on request.

Maximum call charge for 0845 and 0870 numbers from a BT landline is 4p per minute. Calls from other network may vary. Please check with your network operator.