Terms of business

This Terms of business page relates to the insurances administered by Bikmo and provided to you free-of-charge as a Deliveroo rider.

Bikmo Limited

Bikmo is authorised and regulated by the Financial Conduct Authority – reference 745230. You may check this on the Financial Services Register by visiting the FCA website at www.fsa.gov.uk/register/ or by contacting the FCA on 0800 111 6786.

Our trading names are Bikmo, Bikmo Plus, Bikmo Go and Bikmo Tri.

Trading address: 7 Abbey Square, Chester, CH1 2HU. Registered in England & Wales No: 09149847.

By asking us to administer your insurance benefits or claim, you are providing your informed agreement to these Terms of Business. We draw particular attention to ‘Use of personal data’, specifically the paragraph explaining how ‘sensitive personal data’ will be used.

Please read this document carefully. Please contact us immediately if there is anything in this document that you do not understand/or with which you disagree.

In the interests of security, staff training and to generally improve our service please be aware that telephone calls may be monitored and/or recorded.

1. Definitions

1.1. ‘You’ or ‘your’ means you (and/or your appointed agent).

1.2. ‘We’ or ‘us’ or ‘our’ means the firms noted in the heading of this document.

2. Who regulates us?

2.1. We are authorised and regulated by the Financial Conduct Authority (FCA) an independent body that regulates the UK financial services industry. Our details may be confirmed on the FCA’s Register www.fca.org.uk or by phoning the FCA on 0800 1116768.

2.2. Our permitted business activities are introducing, advising, making arrangements with a view to transactions, dealing as an agent, assisting in the administration and performance of a contract and agreeing to carry on a regulated activity in respect of General Insurance contracts, and credit broking in relation to insurance instalment facilities.

3. Our service

3.1 When administering your insurance, we do not offer advice or make recommendations on insurance matters.

3.2 In some circumstances we do provide advice and we will, therefore, confirm in separate documentation whether or not any advice or recommendation has been made.

3.3 Please also note, unless your policy confirms otherwise, the rights under your policy may only be pursued in English law.

4. Your responsibilities

4.1. It is your responsibility to answer honestly and to the best of your knowledge, providing complete and accurate information which insurers may require. This also applies to your responses in relation to any assumptions.

4.2. Failure on your part to immediately disclose information relevant to your insurance or any inaccuracies in the information given could result in your insurance cover being invalid or a claim may not paid.

5. Documentation

5.1. Documentation including your 'Details of Insurance' document will be made available on this website, and may also be provided by Deliveroo.

5.2. It is your responsibility to read all documentation and ensure you understand the benefits provided any any exclusions.

6. Cancelled and short period policies

6.1. As a beneficiary of insurance taken out by Deliveroo you do not have the right to cancel the policy.

7. Claims

7.1. Claims are administered by the appropriate 'Claims Administrator'. You should take note of the required procedures in the event of a claim, which will be explained in your 'Details of Insurance' document.

7.2. We will employ due care and skills if we act on your behalf in the event of a claim.

8. Client and insurer money

8.1. The insurance provided to you as a Deliveroo rider is funded by Deliveroo as part of their rider support service therefore we will not ask you for your payment details or for any payment for your insurance.

9. Confidentiality and data security

9.1. We will process any personal information we obtain in the course of administering our services to you in accordance with our privacy policy.

10. Severability

10.1. If any provision of these Terms of Business is found to be invalid or unenforceable in whole or in part, the validity of the other provisions of these Terms of Business and the remainder of the provision in question will not be affected.

11. Assignment

11.1. We are entitled to assign these Terms of Business to any other company within the group of companies of which we are part but then only for so long as such company remains a member of such group.

12. Law and jurisdiction

12.1. These Terms of Business which form our agreement with you shall be governed by and construed in accordance with the laws of England and the exclusive jurisdiction of the English courts unless we agree with you otherwise.

13. Rights of Third Parties

13.1. Unless otherwise agreed between us in writing no provision of this Terms of Business is enforceable under the Contracts (Rights of Third parties) Act 1999 by any person other than you or us.

14. Bribery and corruption

14.1. We have no tolerance for bribery and corruption and this policy extends throughout the company for all of its dealings and transactions in all countries in which we operate. Our anti bribery policy is updated in line with the changes in law, changes in our business and our reputational demands. All employees are required to comply with this policy.

14.2. Both parties agree to comply fully with the requirements of the Bribery Act 2010, and will not engage in any of the following activity:
promising or giving of an advantage, financial or otherwise, to another person to bring about an improper performance or to reward such improper performance
requesting, agreeing to receive or accepting of an advantage, financial or otherwise to act improperly
bribe a foreign public official to do or reward them for doing, something improper

14.3. Additionally, where applicable, a firm will prevent bribery being committed on its behalf by its employees and third parties.

15. Sanctions

15.1. Both parties shall pay due regard to, and co-operate in respect of the observance of, any applicable international economic, financial or trade sanctions legislation.

16. Complaints

16.1. We aim to provide you with a high level of customer service at all times but, if you feel dissatisfied, please contact us by emailing us at support@bikmo.com or by writing or telephoning us using the following details;

David George
Bikmo Limited
7 Abbey Square
Tel: 01244 470337

16.2. When dealing with your complaint, we will follow our complaint handling procures; a summary of these are available on request. If you are still not satisfied, you may be entitled to refer the matter to the Financial Ombudsman Service (FOS). For further information, you can contact www.financial-ombudsman.org.uk.

Access to the FOS is available for complaints received from;

  • Consumers (which are private individuals acting for purposes which are wholly or mainly outside that individual’s trade, business, craft or profession).

  • Businesses employing fewer than 10 persons whose turnover or annual balance sheet is less than 2 million Euros.

  • Charities or trusts whose turnover or net assets respectively are less than £1m.

  • Trustees of a trust with a net asset value of less than £1m.