Website Terms And Conditions

2. This website is owned and operated by Brighter Business Limited (Registered in England and Wales Company No. 5439849). Registered office Brighter Business Ltd. The London Underwriting Centre, 3 Minster Court, London EC3R 7DD.

3. Brighter Business Limited is regulated by the Financial Services Authority (www.fsa.gov.uk) and is registered with them under register no. 450578.

Online sales

Quotations

4. All quotations are initially for indication only based on the information given. They may vary once all the details have been provided, any additional options added and amendments undertaken. In some circumstances you may be required to contact our underwriting centre to obtain a definitive quote.

5. Failure to disclose any relevant information including notifications of potential claims that you are aware of at the time of submitting your proposal for insurance or the provision of inaccurate or misleading information or statements may invalidate your insurance policy.

6. You are responsible for reading all the relevant policy documents carefully before buying any insurance policy. It is your responsibility to decide whether the product or service is suitable for your circumstances.

7. Quotations are valid for 30 days from the creation date. If the details are amended during this period, validity will run for 30 days from the date the new quote was generated

8. Brighter Business reserves the right to change the content and format of this website and the products and services it offers at any time

Documentation

9. If you complete your purchase online an automated confirmation that your payment has been received will be emailed to you with a number to contact in the event that you do not receive your policy documentation.

10. The policy schedule, policy summary and policy document and other required documents will be emailed to you as PDFs within two working days.

Cancellations

11. If you're unhappy with the cover provided by your policy you have fourteen days from receiving your documents to cancel.  If you don't cancel during this period, your policy will continue as normal.     
   
12. If you cancel during the fourteen days you'll be entitled to a return of the premium paid.  The cancellation will be effective from the beginning of the policy period, as though your policy had never taken effect, and all documentation, including Employers' Liability certificates will be null and void.  If this cancellation would result in your company being without Employers' Liability insurance cover for a period you may wish to take legal advice before cancelling.   
   
13. We have a right to cancel your policy at any time, giving you thirty days notice in writing. If we do cancel your policy we'll refund any part of your premium not yet used. We can also cancel the policy if you do not pay the premium or instalments by the due date and the cancellation will take place from the date the payment was due. If no payments were received by us then the cancellation will be from the beginning of the policy period, as though your policy had never taken effect.  

Automatic Policy Renewal

14. Your insurance will be renewed automatically unless you tell us otherwise. If your credit/debit card does not operate a recurring payment scheme you will need to contact us to arrange payment and this will be stated in the renewal documentation sent to you.  Where a recurring payment scheme is in place the same card details given for the initial payment will be used to collect the renewal premium.

15. We will send you details of the amount of the renewal premium and advise any major changes in cover or exclusions approximately one month before the renewal date. You will be responsible for advising Brighter Business Limited  whether there are any changes required in the policy or cover and of any changes to the credit/debit card details. If we do not hear from you to the contrary, we will assume that all the details are still correct, that you have not withdrawn your consent to the automatic renewal scheme, that you have the consent of the card holder, and we will collect the premium and issue the policy documents on the due date.

16. Changes or amendments to the cover or price as a result of customer requested changes will not affect the automatic policy renewal consents.

Complaints

17. If you have a complaint, please contact our Operations Manager either by phone, on 0845 600 7107, by email to complaints@brighterbusiness.com or in writing.

Click here for full details of our complaints process>>

International

18. Our products and services are only available to residents of the UK excluding Northern Ireland.

Privacy policy

19. We are committed to maintaining your privacy and have a legal duty under the Data Protection Act to protect any information we collect from you.
 Read our privacy policy >>

Links

20. We may provide links to other websites and services. We don't endorse and aren't responsible for those websites and their services and have no control over their availability, quality or legality.

21. We neither endorse nor take any responsibility for sites that may link to us.

Availability and accuracy of Internet services

22. The delivery of our Internet services, including this site and e-mails sent to or by Brighter Business, is subject to factors beyond our control, from the technical capabilities of the equipment you use, to your ISP's systems, to the Internet's infrastructure as a whole. We can't be held responsible for the availability and accuracy of the services we deliver over the Internet.

Disclaimers and Limitation of Liability

23. We take care to ensure that the information contained in this web site is accurate and up-to-date. However, we make no representations or warranties about the accuracy, completeness, reliability or suitability for any purpose of the information and related graphics published in this site, which may contain technical inaccuracies and typographical errors.

24. We are not providing any legal, accounting or other professional advice or opinion on specific facts or matters. Also, neither we nor any of our directors, employees or agents will be liable for damages arising out of or in connection with the use of this site or the information in it.

25. This is a comprehensive limitation of liability that applies to all damage of any kind, including (without limitation) compensatory, direct, indirect or consequential damages, loss of data, income or profit, loss of or damage to property and third party claims.

26. However, nothing shall exclude or restrict liability for death, personal injury, fraud or fraudulent misrepresentation resulting from the negligence of us, our directors, employees or agents. Also, nothing shall exclude or restrict our obligations under the Financial Services and Markets Act 2000 or any other current or future Financial Services legislation.

Intellectual Property

27. All intellectual property rights to this site are ours. These include (but aren't limited to) trade marks, service marks, icons, text, images, layout and functionality.

Miscellaneous

29. These Terms are subject to the laws of England and Wales.