Baslow Insurance Services Limited

Registered Office:  Blake House, Bath Street, Bakewell, Derbyshire, DE45 1BX. Registered in England and Wales No: 6368581.  Data Protection Act Registration No: Z1094485

Tel:  01629 813897  Fax:  01629 813390  E-mail:



Accepting our Terms of Business

By asking us to quote for, arrange or handle your insurances, you are providing your informed agreement to these Terms of Business.  We draw your particular attention to:

For your own benefit and protection, you should read these terms carefully.  If you are unsure about any aspect of our Terms of Business or have any questions regarding our relationship with you, please contact us at the above address.


The Financial Conduct Authority

Baslow Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (FCA).  Our Financial Services Register number is 473021.  Our permitted business is introducing, advising, arranging, dealing as agent and assisting in the administration and performance of general insurance contracts and credit broking in relation to insurance instalment facilities.  You may check this on the Financial Services Register by visiting the FCA’s website, or by contacting the FCA on 0800 111 6768.


Our service

Helping you to decide

Our role is to advise you and, after we have assessed your needs, to provide you with a personal recommendation explaining why the product recommended best meets your requirements.


The capacity in which we act for you

We act as an insurance intermediary, not an insurer.  We will usually act on your behalf when arranging your insurances, when helping you make any changes to your policy, when you renew your insurance and in the event of a claim.  If there are any circumstances where we act as an agent of the insurer, we will let you know the capacity in which we act before we finalise your insurance arrangements.


Scope of service including our product range and the range of insurers used

We provide a personal recommendation and select personal and commercial insurances from a fair and personal analysis of the market, but for certain products, we only select products from a limited number of insurers or only offer products from a single insurer, which means we do not give a personal recommendation on the basis of a fair and personal analysis. We will give you further information about this before we finalise your insurance arrangements; Please see a full list of insurers that we use below.


Limited Panel

Agricultural Vehicle Aviva Insurance Limited

Geo Underwriting Services Limited*

Policyfast Limited*

Bed & Breakfast Package Hospitality Insurance Underwriting Agency*

Nationwide Broker Services Limited*

Caravan Policyfast Limited*

Geo Underwriting Services Limited*

D & O Liability Chubb European Group Limited
Engineering Inspection Allianz Engineering

British Engineering Services Limited

Royal and Sun Alliance Engineering

High Value Household Bluefin Underwriting*

Home and Legacy*

Michael Pavey Insurance Brokers*


Royal and Sun Alliance

Non Fleet Rated Commercial Geo Underwriting Services Limited*

Policyfast Limited*

Zurich Insurance plc

Personal Travel DTW 1991 Underwriting Limited

Voyager Insurance Services Limited*

Professional Indemnity Bluefin Insurance Services Limited*

Bluefin Liability Scheme*

Bluefin PI Scheme*

Bluefin Underwriting*

HCC Diversified Financial Products Limited*

Motor Cycle Aviva Insurance Limited

Europa Underwriting Limited T/A Ridersure


Single Insurer

Cargo Bluefin Freight Scheme*
Directors and Officers Chubb European Group Limited
General Breakdown RAC Motoring Services
GAP Cover Lee Underwriting Limited
Hairdressers Package Bluefin Platinum Packages*
Hotel Package Hospitality Insurance Underwriting Agency*
General Legal Expenses MAPS
Other Package Gordon & Co.*
Truck Policyfast Limited*

*These are intermediaries that we may use to help place the business.  In turn they may use a single/limited number of insurers to obtain a quotation.  In these instances, we will advise you of the insurer that they have used as this can vary depending on the complexity of the insurance requested.

If we propose using another intermediary to help place your business, we will confirm this to you in good time before any arrangements are finalised.

We may be able to offer finance for insurance installments through the insurer or Close Premium Finance. We will give you further information about this before we finalise your instalment arrangements.

We will not in any circumstance guarantee the solvency of any insurer.

Complaints and compensation

We aim to provide you with a high level of customer service at all times but, if you are not satisfied, please contact us:

in writing…        Write to the Complaints Officer at the above address

by phone…       Telephone: 01629 813897

by email…        Email address:

When dealing with your complaint, we will follow our complaint handling procedures; a summary of these procedures is 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 visit FOS website

Access to the FOS is available for complainants coming within one of the following categories at the time we receive their complaint:

We are covered by the Financial Services Compensation Scheme (FSCS) for our insurance mediation activities.  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.  If you are eligible to claim from the FSCS, compensation is available in relation to insurance advising and arranging as follows:

Further information about compensation scheme arrangements is available from the FSCS on 0800 678 1100 (freephone) or 020 7741 4100 or


Payment for our services

We normally receive commission from insurers, product providers and, where applicable, finance providers.

For commercial customers, in good time before the conclusion of each insurance contract, or upon renewal, we will remind you of your right to be informed of the level of commission which we receive from underwriters and premium finance providers.  You are entitled, at any time, to request information regarding any commission which we may have received as a result of placing your insurance business.


Fee Disclosure

Consumer New Business                                   £  5.00

Commercial New Business                                £10.00

Mid Term Amendments                                      £10.00

Duplicate Documentation                                   £  5.00

Consumer Renewals                                          £  5.00

Commercial Renewals                                       £10.00



If the insurer issues a refund we will also deduct a percentage of the returned premium to replace commission reclaimed by the insurer as follows:

You will receive a quotation which will tell you the total price to be paid, and which identifies any fees, taxes and charges separately from the premium, before your insurance arrangements are concluded.

We also draw your attention to the sections headed ‘Cancellation of insurances’ and ‘Ending your relationship with us’.


Handling Money

Baslow Insurance Services Limited is not authorised to handle client monies, but does have permission to control client money.  All client money is handled by BBPS Ltd which holds all client money in a Non-Statutory Trust account, the purpose of which is to protect you in the event of financial failure since, in such circumstances, general creditors would not be able to make claims on client money.

BBPS Ltd is authorised and regulated by the Financial Conduct Authority under No 307079.

BBPS Ltd holds all client money in a Non-Statutory Trust bank account in accordance with the FCA client money rules. A copy of the Deed of Trust is available on request.  Under these arrangements, BBPS Ltd assumes responsibility for such monies and is permitted to, and may:

Your money will be held by BBPS Limited either as agent of the insurer or as your agent, depending on which insurer(s) your insurance has been placed with. Where money is held as agent of the insurer, this means that when BBPS Ltd has received your cleared premium, it is deemed to have been paid to the insurer.

Unless we receive your written instruction to the contrary, BBPS Ltd shall treat receipt of payment from you and of any claim payment and/or refund of premium which fall due to you, as being with your informed consent to those monies being paid into and held in the Non-Statutory Trust bank account.

BBPS Ltd must receive payment by cheque, credit or debit card or be in receipt of a completed Direct Debit Mandate (with deposit where requested) drawn on a bank or building society or UK financial institution account in the policyholder’s name and before cover commences unless BBPS Ltd agrees otherwise. If we agree for BBPS Ltd to accept payment from someone other than the policyholder, then this may risk the enforceability of the policy. BBPS Ltd does not accept payment in the form of cash i.e. currency of any sort or by postal order or banker’s draft or building society cheque. However, a bankers’ draft or building society cheque showing the policyholder’s name as account holder is acceptable in payment of premium.

We and BBPS Ltd have no obligation to fund any premium, taxes or fees (if applicable) on your behalf or responsibility for any loss you may suffer as a result of cancellation of insurance cover or any other prejudicial steps taken as a result of late payment substantially attributable to you. If we decide to retain certain documents whilst awaiting full payment of premium, fees or administration charges we shall provide full details of your insurance cover and any information or documents required by law. We shall be entitled (but not obliged) without providing notice to you to set off any amounts due to us from you, against any amounts which BBPS Ltd may receive on your behalf (such as claims monies, refunded premiums and other sums). Please be aware that full or partial non-payment of a premium or default on a credit agreement may result in cancellation or lapsing of your policy.  BBPS Ltd may hold both Insurer and Client money in the same bank account but when this happens insurers will have previously agreed that any claim by you on monies that are Client money will come before their claim.


Segregation of Designated Investments

BBPS Ltd may also hold separately permitted designated investments with a value at least equivalent to the money that would otherwise have been paid into a client bank account. It will be responsible for meeting any shortfall in the client money resource that is attributable to falls in the market value of a segregated investment.


Cancellation of Insurance

You should make any request for the cancellation of a policy in writing or by phone and any relevant certificate of insurance must be returned to us or to the insurer concerned.  In the event of cancellation, charges for our services will apply in accordance with the Tariff of Fees above (our commission and/or fees are fully earned from the date insurance cover commences and may not be refundable in the event of cancellation, avoidance or early termination of a policy).

The terms of your policy may allow insurers to retain the premium in full or to charge short-period premiums in the event of cancellation before the policy expires.


Cooling off period: Consumers –

You have the statutory right to cancel a policy in accordance with its terms and conditions within 14 days of its conclusion, inception or renewal, or upon receipt of the policy documentation whichever is the later.

These cancellation rights do not apply to a short-term policy of less than one month’s duration or to a policy for which the performance has been fully completed. If no premium has been paid then a time on risk premium inclusive of Insurance Premium Tax (IPT) and in addition to any relevant administration costs may be charged.

Ending your relationship with us

Subject to your immediate settlement of any outstanding premiums and fees, you may instruct us to stop acting for you and we will not impose a penalty.

Your instructions must be given in writing and will take effect from the date of receipt.

In circumstances where we feel we cannot continue providing services to you, we will give you a minimum of 7 days’ notice.  Valid reason may include but are not limited to non-payment of premium or fees, failure to provide requested documentation or information, deliberate failure to comply with terms set out within the ToB or insurer’s documentation, deliberate misrepresentation or non-disclosure or attempted fraud, use of threatening or abusive behaviour or language, or intimidation or bullying of our staff or suppliers.

Unless otherwise agreed in writing, if our relationship ends, any transactions previously initiated will be completed according to these Terms of Business.  You will be liable to pay for any transactions concluded prior to the end of our relationship and we will be entitled to retain commission received for conducting these transactions, together with all fees charged by us for services provided.

Your responsibilities

You are responsible for answering any questions in relation to any proposal for insurance cover honestly and to the best of your knowledge, providing complete and accurate information which insurers will require. This also applies to your responses in relation to any assumptions you may agree to in the process of applying for insurance cover.  This is particularly important before taking out a policy but also at renewal or of if you make a mid-term amendment to your policy.

If you fail to disclose information, or misrepresent any fact which may influence the insurer’s decision to accept the risk or the terms offered, this could invalidate the policy and mean that claims may not be paid.

If you are a consumer, you are responsible for answering any questions in relation to any proposal for insurance cover honestly and to the best of your knowledge, providing complete and accurate information which insurers will require. This also applies to your responses in relation to any assumptions you may agree to in the process of applying for insurance cover.  This is particularly important before taking out a policy but also at renewal or if you make a mid-term amendment to your policy.

If you fail to disclose information, or misrepresent any fact which may influence the insurer’s decision to accept the risk or the terms offered, this could invalidate the policy and mean that claims may not be paid.

If you are a commercial customer you have a duty to give a fair presentation of risk to the insurer. This means that you should disclose every material circumstance relevant to the risk being insured following a reasonable search within your business to identify and verify such information. This should include information which you and where applicable your senior management, persons responsible for arranging your insurance or other relevant third parties know or ought to know and should include all information that would influence the judgement of the insurer or that would put the insurer on notice that it needs to make further enquiries.

Examples of material circumstances are:

The information must be presented in a way which would be reasonably clear and accessible to a prudent insurer. If you are unsure whether to disclose any information you should speak to us. You need to take into account the size & complexity of your business, and allow yourself sufficient time before your renewal date to consider and / or assess your insurance requirements.

Failure to provide a ‘fair representation’ may result in a number of remedies by the insurer. If the breach was deliberate or reckless the insurer can void the contract and keep the premium. If the breach was not deliberate or reckless the insurer can void the contract, proportionately reduce a claim settlement or amend the insurance policy terms and conditions then review the merits of a claim on this basis.

You should therefore always provide complete and accurate information to us when we ask you about the insurance risks your business faces before taking out a policy, at renewal and throughout the life of the policy. This also applies to your responses in relation to any assumptions you may agree to in the process of applying for insurance cover.

You must check all details on any proposal form or Statement of Facts and pay particular attention to any declaration you may be asked to sign. It is important that you read all insurance documents issued to you and ensure that you are aware of the cover, limits and other terms that apply.  Particular attention must be paid to any warranties and conditions as failure to comply with them could invalidate your policy or mean that claims may not be paid.

You must inform us immediately of any changes in circumstances which may affect the services provided by us or the cover provided by your policy.

If you are unsure about any matter, please contact us for guidance.


The processing of your personal data

In your dealings with us you may provide us with information that may include data that is known as personal data. Where we process personal data we comply with statutory data processing requirements as set out by the Data Protection Act 2018.  The personal data we will collect will include information relating to your name, address, date of birth, contact details and criminal offences.

We will process your personal data to allow us to provide you with our services as your insurance broker in quoting for, arranging and administering your insurances and in arranging insurance premium finance where applicable.  Your personal data will also be used to manage future communications between ourselves. Where you have agreed, or in circumstances where to do so will be in our mutual interests, your personal data will be used to provide you with further information about our wider products and services. You can opt out from receiving such communications by e-mailing

In processing personal data for insurance purposes about health or criminal offences, we will only do so to enable us to provide our service to you and on the basis of it being in the public interest.

We will only use your data for the purpose for which it was collected. We will only grant access to or share your data within our firm or other firms associated with us, with other authorised third parties and product and service providers such as insurers and premium finance providers where we are entitled to do so by law under lawful data processing.

The Data Protection Act 2018 provides you with Access Rights that allow you to gain an understanding on the data being processed, who we share it with, for what purpose, why we need to retain it and retention periods, to object to the processing and to place restrictions on the processing, to request copies of your data and to request the deletion of your data.  

If you require further information on how we process your data or you wish to exercise your rights, please contact our data privacy representative by emailing, by writing to Baslow Insurance Services, Blake House, Bath Street, Bakewell, Derbyshire.  DE45 1BX, or by telephoning 01629 813897. How we process your personal data is detailed further within our Privacy Notice which can be found on our website (, or alternatively can be forwarded upon request by any of the above methods.


Credit Checks

We and other firms involved in arranging your insurance (insurers, other intermediaries or premium finance companies) may use public and personal data from a variety of sources including credit reference agencies and other organisations.  The information is used to help tailor a price, to ascertain the most appropriate payment options for you and to help prevent fraud.  Any credit reference search will appear on your credit report whether or not your application proceeds.  If you have any questions about this or any other matter, please do not hesitate to contact us.


Sanctions Checks

We may carry out Sanction Checks and co-operate in respect of the observance of, any applicable international economic, financial or trade sanctions legislation.


Conflict of interests

Occasions can arise where we, or one of our clients or product providers, may have a potential conflict of interest with business being transacted for you.  If this happens, and we become aware that a potential conflict exists, we will write to you and obtain your consent before we carry out your instructions and we will detail the steps we will take to ensure fair treatment.


Claims handling arrangements

You should take note of the required procedures in the event of a claim, which will be explained in the policy documentation.  Generally, insurers require immediate notification of a claim or circumstances which might lead to a claim.  We will employ due care and skill if we act on your behalf in respect of a claim.


Bribery and corruption

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


Law and jurisdiction

These Terms of Business shall be governed by and construed in accordance with English Law and the exclusive jurisdiction of the English courts unless we agree with you otherwise.


If resident in a country other than the UK

The law or regulations in your country of domicile may take precedence over any UK legislation.  Therefore references in this document to the FCA or Financial Ombudsman Service or Financial Ombudsman Compensation Scheme and any rights or benefits thereunder may not apply.  If you wish to clarify your position in this respect then we will discuss this on request.



Why Choose Baslow Insurance

Quick, competitive quotes
We work hard to understand our clients needs
Tailored quotes for each of our clients
We always go that extra mile for each of our clients

For a Custom Quote Call us now on 01629 813897

Alternatively, you can request a call back here

"...they not only saved me money but were also able to reduce my policy excess and give me better cover. I would recommend a call to them"

- Robert Anderson

"I have found their service prompt and efficient and would be happy to recommend them to anybody"

- Joel Siddall

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