Terms of Service & Customer Insurance Service Information
By registering an account with BluNiche Risk Services Limited (“We”, “Our”, “Us”) via the website, You will be deemed to have read and accepted the Terms. This information should be read in conjunction with our Privacy Policy. Specific insurance policy terms and conditions will prevail over any of the terms below should any contradiction arise.
About BluNiche Risk Services Limited and Our Insurance Services
Blu Niche Risk Services Limited is a limited liability company incorporated in England & Wales (Company number: 13809098). Registered Office 8 Lloyd’s Avenue, 1st Floor, London, EC3N 3EL. Blu Niche Risk Services Limited is an Appointed Representative of D A Strategy Limited, which is authorised and regulated by the Financial Conduct Authority FCA 927590.
In respect of all insurance business in the EEA Blu Niche is a trading name of DA Strategy Global GmbH incorporated and registered in Germany as an insurance agent with authorisation according to § 34 d para. 1 GewO and registration number: D-6AA6-0V31H-31. Court of registration: Hamburg HRB 165919, acting through its London Branch with UK establishment number BR023132 and registered at 2 Minster Court, London, EC3R 7BB, UK.
You can verify these details by visiting the FCA’s website (www.fca.org.uk/register) or by contacting the FCA on 0800 111 6788.
Our Insurance Services
BluNiche are the designer, co-manufacturer and distributor of the BluNiche insurance products. As a customer of BluNiche, if you have any questions or concerns regarding Our products please contact Us by emailing contact@bluniche.com.
As We are an insurance intermediary and not an insurance company, We have entered into a contractual agency relationship with Chaucer Insurance Company DAC that enables Us to collect the premium and distribute Our insurance products.
When providing this insurance service, We act for and on behalf of the Insurer.
Any insurance claims you make must be notified directly to the Insurer or its nominated claims representatives. For more information, please refer to the policy documents.
Charges
We may apply administration charges to Our customers for arranging or administering their insurance policies.
Customer disclosure
You owe a duty to make a fair presentation of the risk to the insurer. You have a duty to disclose to the insurer every material circumstance which you know or ought to know after a reasonable search or which is sufficient to put the insurer on notice that it needs to make further enquiries for the purpose of revealing those material circumstances. In addition, you have a duty to disclose information in a clear and accessible manner.
A circumstance is material if it would influence a prudent insurer’s judgement in determining whether to take the risk and, if so, on what terms.
Failure to disclose a material circumstance may entitle an insurer to:
- in some circumstances, void the policy from inception and in this event any claims under the policy would not be paid;
- impose different terms on your cover; and/or
- reduce the amount of any claim payable.
This duty applies:
- before your cover is arranged;
- when it is renewed; and
- at any time that it is varied.
Insurance Premium
We are not permitted to hold client money, we hold premium received on a risk transfer basis. We have entered into a written agreement with Chaucer Insurance Company DAC, that all premiums paid to Us are held on trust as agent of the Insurer In accordance with this agreement, premiums are treated as being received by the insurer when received into the BluNiche Risk Services Ltd trust bank account and any premium refund is treated as received by you when it is actually paid over to you or your broker.
Awareness of policy terms
When a policy is issued, you are strongly advised to read it carefully, as it is that document, the schedule and any certificate of insurance that details the cover that you have in place. If you are in doubt over any of the policy terms and conditions, please contact Us promptly.
Law
Unless agreed by prior and mutual written consent, English law will apply to these Terms & Conditions, as well as to legal determination of any other aspect of your relationship with Us. We supply the policy documents and communicate with you in English only.
Complaints
We are dedicated to providing a high quality service and We want to ensure that We maintain this at all times.
If You have any questions or concerns about the policy or the handling of a Claim please contact Your broker through whom this policy was arranged.
If You wish to make a complaint in respect of your policy, You can do so at any time by referring the matter to:
Ed Mitchell
BluNiche Risk Services Limited
Open Space Business Centre, Blackmore Vale Road,
Willow End Park, Malvern, Worcestershire, WR13 6NN
Telephone: +44 (0) 7825 032526
If You wish to make a complaint in respect of a claim, You can do so at any time by referring the matter to:
Ed Mitchell
BluNiche Risk Services Limited
Open Space Business Centre, Blackmore Vale Road,
Willow End Park, Malvern, Worcestershire, WR13 6NN
Telephone: +44 (0) 7825 032526
If You are a resident of the United Kingdom or a United Kingdom policyholder and remain dissatisfied after We have considered Your complaint, or You have not received a decision by the time We have taken eight (8) weeks overall to consider Your complaint, You can refer Your complaint to the Financial Ombudsman Service at:
Exchange Tower
London
E14 9SR
E-mail: complaint.info@financial-ombudsman.org.uk
From within the United Kingdom
Telephone Number: 0800 0234 567
Telephone Number: 0300 1239 123
From outside the United Kingdom
Telephone Number: +44(0)20 7964 1000
Fax Number: +44(0)20 7964 1001
The Financial Ombudsman Service can look into most complaints from consumers and small businesses. For more information contact them on the above number or address, or view their website: www.financial-ombudsman.org.uk
Alternatively, if You are a resident of the Republic of Ireland or a Republic of Ireland policyholder and remain dissatisfied after We have considered Your complaint, or You have not received a decision by the time We have taken eight (8) weeks overall to consider Your complaint, you can raise the matter with the Financial Services and Pensions Ombudsman (FSPO), an independent body that adjudicates on complaints, at the following address:
Financial Services and Pensions Ombudsman Lincoln House Lincoln Place Dublin D02 VH29 Ireland
Telephone: +353 1 567 7000
Email: info@fspo.ie
Website: www.fspo.ie
The European Commission also provides an on-line dispute resolution (ODR) platform that allows consumers to submit their complaint through a central site, which will forward the complaint to the right Alternative Dispute Resolution (ADR) scheme. The ADR scheme for Chaucer Syndicates Limited is the Financial Ombudsman Service, which can be contacted directly using the contact details above. For more information about ODR please visit http://ec.europa.eu/odr
Use of material on the BluNiche website
We are the owner or the licensee of all intellectual property rights on the BluNiche Risk Services website, and in the material published on it and/or generated by it. These works are protected by copyright laws. All such rights are reserved.
Cancelling the policy
To cancel any insurance policy please contact your broker.
Financial Services Compensation Scheme
As the Appointed Representative of D A Strategy Limited We are covered by the Financial Services Compensation Scheme (FSCS). If We are unable to meet Our obligations, you may be entitled to compensation from the scheme depending on the type of insurance and the circumstances of the claim.
Further information is available from the FSCS at www.fscs.org.uk. Their telephone number is 0800 678 1100 or 020 7741 4100.