Lifestyle Bicycle Insurance - Terms & Conditions
The Lifestyle Bicycle Insurance contract is based on the information provided on the proposal form
If excesses apply, they will be itemised on your policy schedule.
Making a claim
In the event of a claim, Telephone MIS Claims and provide the following information:
Contact UK: 02890410222
ROI: 01 872 0179
The nature of the emergency.
Your name and address including your postcode. Your policy number from the insurance schedule. How to cancel a policy The policy will continue for the period specified in the policy schedule. You have certain rights to cancel the policy. If this policy does not provide the cover you need or you wish to cancel for any other reason, you should contact Lifestyle Insurances Northern Ireland on 0845 491 1111. You will have a period of 14 days (28 days following automatic renewal) from the inception of the policy to cancel the policy and receive a full refund provided a claim has not been made. Beyond this period, you will be entitled to cancel this policy but no refund will be provided to you.
If you change your Bicycle
You are responsible for informing Lifestyle Insurances Northern Ireland of a change of Bicyle
so that cover can be transferred to your new property.
How do I renew?
Lifestyle Insurances Northern Ireland will contact you in writing before your policy expires to arrange the renewal of your policy. At the same time we will review your premium and advise you of the renewal amount. We reserve the right to adjust your premium to reflect any changes in the rate of tax applicable to it. Lifestyle Insurances Northern Ireland reserves the right to refuse renewal of any individual policy and we will inform you before your policy expires, if we chose to do so.
It is our intention to give you the best possible service but if you do have any questions or complaints please contact us immediately. If there is a disagreement between us which we cannot resolve to your satisfaction you can refer the complaint to the Financial Ombudsman Services (FOS) who, once contacted, will liaise with us on your behalf. The FOS will then inform you directly of its decision. Referral to the FOS will not prejudice your rights to take subsequent Legal Proceedings. The FOS are located at:
South Quay Plaza,
183 Marsh Wall,
Telephone: 0845 080 1800
Your Contract with the Insurer
You must co-operate with the insurer in obtaining reimbursement
Great Lakes Insurance SE, is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme, if Great Lakes Insurance SE cannot meet it’s obligations. This depends on the type of business and the circumstances of the claim. Most insurance contracts are covered for 90% of the claim with no upper limit. You can get more information about compensation scheme arrangements from the FSCS or visit www.fscs.org.uk
UK GENERAL INSURANCE LTD PRIVACY NOTICE
We are UK General Insurance Ltd, referred to as “we/us/our” in this notice. Our data controller registration number issued by the Information Commissioner’s Officer is Z7739575
This privacy notice is relevant to anyone who uses our services, including policyholders, prospective policyholders, and any other individuals insured under a policy. We refer to these individuals as "you/your” in this notice.
We are dedicated to being transparent about what we do with the information that we collect about you. We process your personal data in accordance with the relevant data protection legislation.
Why do we process your data?
The provision of your personal data is necessary for us to administer your insurance policy and meet our contractual requirements under the policy. You do not have to provide us with your personal data, but we may not be able to proceed appropriately or handle any claims if you decide not to do so.
What information do we collect about you?
Where you have purchased an insurance policy through one of our agents, you will be aware of the information that you gave to them when taking out the insurance. The agent will pass your information to us so that we can administer your insurance policy.
For specific types of insurance policies, for example when offering you a travel insurance policy, we may process some special categories of your personal data, such as information about your health.
We have a legitimate interest to collect this data as we are required to use this information as part of your insurance quotation or insurance policy with us. We may also process the data where it is necessary for a legal obligation, or as part of the establishment or defence of a legal claim.
UK General’s full privacy notice
This notice explains the most important aspects of how we use your data. You can get more information about this by viewing our full privacy notice online at http://ukgeneral.com/privacy-notice [^] or request a copy by emailing us at email@example.com. Alternatively, you can write to us at: Data Protection, UK General Insurance Ltd, Cast House, Old Mill Business Park, Gibraltar Island Road, Leeds, LS10 1RJ.
- supply accurate and complete answers to all the questions we or the administrator may ask as part of your application for cover under the policy;
- to make sure that all information supplied as part of your application for cover is true and correct.
- tell us of any changes to the answers you have given as soon as possible. Failure to provide answers in-line with the requirements of the Act may mean that Your policy is invalid and that it does not operate in the event of a claim.