Terms and Conditions

About these Terms and Conditions

Bennetts is a trading name of Bennetts Motorcycling Services Limited (we/us/our) and is an insurance intermediary. These Terms and Conditions set out how we, Bennetts, will deal with you as a customer.

You will enter into two separate contracts when you take out an insurance policy through us. The first contract is with us and sets out the Terms and Conditions under which we will arrange and administer your insurance policy on your behalf and any fee(s) that we shall charge you for providing our insurance intermediary services. This information is provided in the ‘About our insurance services’ document. Use this information to decide if our services are right for you.

You will also enter into a separate contract with the insurer for providing your insurance. Details of the premium charged and the Terms and Conditions relevant to the insurance policy are set out in your policy document. When you purchase additional products or pay for your policy by instalments using a running fixed sum loan agreement, you will enter further contracts with each insurer or supplier for these services.

The premium, an arrangement fee and tax will form the total price of insurance. The specific amounts paid can be found in your quote and payment schedule of your insurance policy documents.

Whose products do we offer?

• We offer products from a range of insurers for bike insurance

• We only offer products from a single provider for:

  • Legal Expenses Cover, underwritten by Financial and Legal Insurance Company Limited and administered by 4th Dimension Innovation Limited.

  • Personal Accident Cover, underwritten by UK General Insurance Limited on behalf of Watford Insurance Company Europe Limited.

  • Helmet and Leathers Cover underwritten by UK General Insurance Limited on behalf of Watford Insurance Company Europe Limited.

  • RAC Breakdown, RAC Breakdown Plus and RAC Breakdown EU provided by RAC Motoring Services (RACMS) and RAC Insurance Services Limited (RACIL).

  • Premium Finance – provided by PremFina Limited

  • Premium Finance – provided by Premium Credit Limited

Which service will we provide you with?

We will not provide you with advice or recommendation on whether the insurance policy is suitable for your needs. We will ask some questions to narrow down the selection of products that we provided details on. You will then need to make your own choice about how to proceed.

Our insurance intermediary services we will provide to you include:

1. Arranging your bike insurance by selecting a range of best prices from our panel of insurers that we can offer, arranging your cover with the chosen insurer based on your requirements, dealing with your payment and providing you with the details and documentation relating to your policy.

2. Dealing with your requests for adjustments you have to make to your policy, such as changes to the cover required, the use and/or property insured. We will notify the insurer, deal with any amendments or adjustments of premium required and provide you with confirmation of any changes to your policy. We may arrange cover with an alternative insurer if the amendments to your policy are not acceptable to your original insurer.

3. We will also arrange the cancellation of your policy at your request, notifying the insurer, dealing with any refunds of premium, confirming the changes to your policy and arranging for the return of documents.

4. Dealing with your requests for any duplicate or replacement documentation relating to your policy and/or additional products.

5. We will arrange optional additional add–on products where you consider these products meet your needs.

6. We will also arrange the renewal of your insurance and additional products based on your requirements (see Renewals section).