terms and conditions
These terms and conditions shall apply to Your use of the Website located at
www.ibuyeco.co.uk.
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.
1. Definitions
2. Who Regulates us?
3. Whose products do we offer?
4. Use of the Website
5. Your Obligations
6. Which service will we provide you with?
7. Price Delivery
8. What will you have to pay us for our services?
9. What to do if you have a complaint?
10. UK Residents Only
11. Intellectual Property
12. Responsibility for content
13. Privacy Policy
14. Third Party Websites
15. Termination
16. General
17. Terms & Conditions of Charity Donation
18. Terms & Conditions of Carbon Offset Product
1. Definitions
"You" and "Your" means the person who wishes to use the Website, "We" "Us"
and "Our" means ibuyeco 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 car 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) may 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 0844 871 2311 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. Calls to
our 0844 numbers cost 5p/minute from a BT landline, set up fees may
apply and network charges may vary. Calls from mobile phones may
be considerably more.
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 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
schemes arrangements is available from the FSCS website www.fscs.org.uk
or write to Financial Services Compensation Scheme, 7th Floor Chambers,
Portsoken Street, London E1 8BN.
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 Man (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.
17. Terms & Conditions of Charity Donation
1. ibuyeco will make a £5 donation to charity for every motor policy sold or renewed
provided the policy is not cancelled or voided within the first 14 days. ibuyeco
will make a donation to charity for every home policy sold or renewed provided
the policy is not cancelled or voided within the first 14 days. A £5 donation will
be made for buildings and contents policies (the buildings and contents elements
must be purchased at the same time) and a £2.50 donation will be made for buildings
only or contents only policies.
2. When taking out a policy customers will be given the opportunity to select, from
a number of charities listed, the charity that they would prefer the donation in
respect of their policy to be made. Each charity will be available for selection for
a set period of time. Details of the current charities and time periods will be available
at www.ibuyeco.co.uk or by writing to ibuyeco charities Information, Pegasus House,
Bakewell Road, Orton Southgate PE2 6YS. Only charities currently available for
selection at the time a policy is purchased or renewed will be eligible to receive
a donation. As the charities available for selection will be subject to regular change,
when a policy is due for renewal the initial charity selected to receive the donation
may no longer be available for selection. In such event, ibuyeco will automatically
select a different charity for the donation to be made to, however customers will
have the option of contacting ibuyeco to select a different charity from the charities
then available for selection if they wish.
3. Whilst, ibuyeco will always make every effort to ensure that the donation is made
to the charity selected by our customer in the event that the charity has ceased
operating, ceased collecting for causes that we believe our customers support,
or there are any other unforeseen circumstances which make it inappropriate or
impractical to make the donation to the selected charity, ibuyeco reserves the
right to make the donation to a similar alternative UK registered charity.
Up to date details of the charities ibuyeco are currently supporting at any time
will be available at www.ibuyeco.co.uk.
4. The donation is made by ibuyeco directly to the charity and is not made in the
customer's name; therefore the charities will not be able to claim Gift Aid on the
customer’s behalf.
5. There is no cash alternative available to the customer and the donation can only
be made to a charity listed for selection on the ibuyeco website. Whilst we may,
from time to time canvass our customer’s opinions on our charitable causes,
customers will not be able to nominate other charities to receive the donation.
6. Donations made to the charities are made in good faith to assist the
charities in achieving their aims and objectives. Unless the charities have
agreed a specific use for the money (details of which will be listed on
www.ibuyeco.co.uk), charities are free to spend the money as they see fit
and ibuyeco accepts no responsibility for the way in which the donations
are used by the charity.
7. ibuyeco reserves the right to amend or withdraw the scheme at any
time on giving reasonable notice.
18. Terms & Conditions of Carbon Offset Product for Car
Insurance
These Terms & Conditions apply to the Carbon Offset Product provided by Us
1.The definitions used in these terms and conditions are as follows; "You"
and "Your" is the customer purchasing the Carbon Offset Product. "We",
"Us" and "Our" means ibuyeco a trading name of BISL Limited of Pegasus
House, Bakewell Road, Orton Southgate, Peterborough, PE2 6YS.
“Carbon Credits” means a unit equal to 1 metric tonne of CO2 equivalent
“ CO2 equivalent” means the internationally recognised measurement of
greenhouse gases “Carbon Offset Product" means the CO2 emissions offset
service We provide You in connection with Your policy of insurance whereby
We calculate the tonnes of CO2 emissions that You need to offset, calculate
the Carbon Offset Payment required and use this payment to purchase
from one or more projects or partners an equal amount of Carbon Credits.
"Carbon Offset Payment" means the amount We charge You as a one-off
sum for the Carbon Offset Product which We provide and which includes
any VAT payable.
2. We will provide You with the Carbon Offset Product by using reasonable
endeavours to calculate the amount of CO2 emissions required to offset
Your annual motoring using guidelines and data for CO2 emissions from
reputable sources. Our calculation is based on the information that You
have provided to Us regarding Your vehicle engine size, mileage
and fuel type.
3. We will calculate the amount that You will have to pay Us as a
Carbon Offset Payment for the Carbon Offset Product based on the
calculation referred to in point 2 above, and will make arrangements
to purchase an equal quantity of Carbon Credits.
4. The Carbon Offset Payment due to Us will be calculated as a lump
sum payment, and will be payable immediately by You when Your policy
of insurance is arranged, either as part of the deposit (if premiums are
paid by instalments) or as part of the payment due when the premium
is paid.
5. You are entitled to a full refund of Your Carbon Offset Payment
if Your policy of insurance is cancelled within 14 days of the date
that it is taken out.
6. Should Your policy of insurance be cancelled at any time after the
14 day initial period or revoked at any time the Carbon Offset Payment
will not be refundable. If You change Your vehicle or make any other
changes to Your policy of insurance, You will not be charged any further
Carbon Offset Payment and neither will Your Carbon Offset Payment
be refundable.
7. We purchase Carbon Credits from a number of projects and
suppliers and will select projects based on recognised standards,
and on the information available to Us.
8. On renewal of Your policy of insurance, unless You tell Us that You
have changed Your car, or Your annual use of Your car, We will calculate
a Carbon Offset Payment due on renewal based on the latest vehicle
information that We hold and this will be itemised separately on the
renewal documentation that You receive. For your protection, we reserve
the right to automatically renew your policy. If we do not receive
your instruction to cancel this policy from the renewal date, we may,
at our option, renew the insurance cover under this policy. You will then
be liable for any premiums that fall due. You may opt out of the automatic
renewal process at any time by contacting our Customer Service helpline.
9. You will not receive title to any Carbon Credits or in any of the projects.
19. Terms & Conditions of Carbon Offset Product for Home
Insurance
For Terms & Conditions that apply to the Carbon Offset Product provided by
The CarbonNeutral Company please refer to
The CarbonNeutral Website. www.carbonneutral.com
