About us
BHK Insurance Services Ltd of 2, Church Street, Rayleigh, Essex SS6 7EE is authorised and regulated by the Financial Services Authority. Our Firms Registration Number is 456208. You can check these details on the FSA’s Register by visiting the FSA’s website http://www.fsa.gov.uk/register
or by contacting the FSA on 0845 606 1234.
We are permitted to arrange, advise on, deal as an agent of insurers and clients and assist in claims handling with respect to non-investment insurance policies on behalf of customers:-
based on a fair analysis of the insurance market for motor, home, commercial, liability and travel;
from a limited range of insurers for legal expenses and;
with a single insurer for accident recovery,
(for the last two we are not contractually obliged to do this and you can request a list of insurers from whom we select )

Your duty of disclosure
Your insurance is based upon the information provided to the insurance company and you must ensure that all such information is complete and accurate, and that any facts that may influence the insurer’s decision to accept the policy and what terms are applied must be disclosed.
Failure to disclose material information may invalidate your insurance and could mean that part, or all, of a claim may not be paid.

How to cancel
You may have a statutory right to cancel this policy within a short period. Please refer to your policy summary or your policy document for further details. If you cancel you will receive a pro rata refund of premium from the insurer. Insurers are also entitled to make an administrative charge. We may keep an amount that reflects the administrative costs of arranging and cancelling the policy.
If you wish to cancel outside this period you may not receive a pro rata refund of premium. We may also keep an amount that reflects the administrative costs of arranging and cancelling the policy (see tariff of charges).

Protecting your information
All personal information about you will be treated as private and confidential (even when you are no longer a customer), except where the disclosure is made at your request or with your consent in relation to administering your insurance, and except
where law requires us. Some or all of the information you supply to us in connection with your insurance proposal may be passed to insurance and other companies for underwriting, claims and premium collection purposes. Your data will be held in accordance with the Data Protection Act 1998, under which you have a right of access to see personal information about you that is held in our records, whether electronically or manually. If you have any queries, please write to Brett Ridley at the above address.

How to claim
Please refer to your policy summary or your policy document if you need to notify a claim. You should contact the insurer direct as soon as possible using the contact details provided. If in doubt about whom you should contact, please contact us on 01268 748420

Fees and charges
If we arrange for you to take out an insurance policy we will make charges of £20. This fee will also be charged for any new or renewed policy, midterm adjustment, midterm cancellation, or duplicate document. Where a fee is payable, you will be advised before you commit to the insurance. All return premiums are given net of commission, and please note that these charges are in addition to any charges made by insurers and are not refundable.

Charges for Commercial Clients may vary and will be notified before you commit to the insurance.

Protecting your money
Prior to your premium being forwarded to the insurer, and for your protection, we either hold your money as an agent of the insurer (in which case your policy is treated as being paid for), or we hold it in a client bank account on trust for you.

We may transfer your money to another intermediary in some cases. However your money will be protected at all times because of the requirements of FSA rules. We also reserve the right to retain interest earned on this account.

By accepting this Terms of Insurance Business document, you are giving your consent for us to operate in this way.

Complaints
It is our intention to provide a high level of service at all times. However if you have reason to make a complaint about our service you should contact Brett Ridley at the above address or telephone 01268 748420. You may be entitled to refer the matter subsequently to the Financial Ombudsman Service. You can contact the Financial Ombudsman Service by telephone on 0845 080 1800 and further information is available at http://www.financial-ombudsman.org.uk/ If you do decide to refer any matter to the Financial Ombudsman Service your legal rights will not be affected.

Compensation arrangements
We are covered by the Financial Services Compensation Scheme. 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 90% 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 scheme arrangements is available from the FSCS on 020 7892 7300 or by visiting http://www.fscs.org.uk/