BMC Terms of Business

The service you can expect
The British Mountaineering Council (BMC) is a specialist provider of travel and activity insurance. Antares underwrites the policy we created and as we are an intermediary acting on your behalf, we only provide information on the policy we created.

We are responsible for the information we give you about our policy. We do not offer the products or services of any other insurers. We are responsible for issuing your policy and advising on policy coverage and suitability for your needs. We are also able to assist with claims, policy amendments or queries throughout your policy period.

When you become a customer, we will give you details of how you can make a claim and tell you what your responsibilities are. Along with these Terms of Business, we will provide you with our full policy terms and conditions. The Important Information and Summary of Cover and Applicant’s Declaration must be consulted prior to your completing your policy purchase. If you have any questions about the cover you are purchasing you must be sure these are answered to your satisfaction. If you have not received a copy of the full policy terms and conditions before you book your insurance and on receipt, you are not satisfied with the levels of cover or policy terms, you have a period of 14 days from receipt of your policy in which to cancel the insurance. This is subject to you not having travelled during this period.

How to pay
All premiums are payable at the time of buying your insurance. You can make payment by cheque (payable to The BMC) or credit card (Visa, Mastercard, Delta or Switch). Admin charges may apply for policy amendments and cancellations. Emergency Assistance card re-prints are free. All premiums quoted include all appropriate taxes.

Your duty

You must ensure that all of the information which you provide on the Application Form, and Declaration, by correspondence, over the telephone, on claim forms and in other documents is true, complete and accurate. Please note that providing incomplete, false or misleading information could affect the validity of your policy and may mean that all or part of a claim may not be paid. Antares offers the policy and calculates the premium using the information which you provide. Any change to the responses provided may result in a change in the terms and conditions of the policy and/or a change in the premium.

How we protect you

The BMC is authorised and regulated by the Financial Conduct Authority (FCA) for sales, advisory and service standards to help ensure general insurance customers are treated fairly. As we are regulated by the FCA, we deal with complaints as prescribed in the FCA Dispute Resolution Handbook. The BMC complaints procedure is detailed below. The BMC have been authorised and regulated since the 15th January 2005, providing you with peace of mind and a formal complaints process.

Data protection and fraud prevention
To set up and administer your policy we will hold and use information about you supplied by you and by medical providers. We may send it in confidence for processing to other companies acting on our instructions including those outside the European Economic Area. To keep premiums low we participate in a number of industry initiatives to prevent and detect fraud.

Under the Data Protection Act 1998, you have the right to see personal information about you that we hold in our records. We will not make your details available to other parties for marketing purposes but we may contact you ourselves to keep you informed of our latest products and services for insurance and membership.

What to do if you have a complaint
We are dedicated to providing you with a high quality service and want to ensure that this is maintained at all times. If you feel that we have not offered a first class service please write and tell us, quoting your policy details, and we will do our best to resolve the problem.

If you have any questions or concerns about the insurance you should, in the first instance, contact:

British Mountaineering Council
177 – 179 Burton Road, West Didsbury,
Manchester, M20 2BB
T +44 (0)161 445 6111 E

If you have any questions or concerns about the handling of a claim please contact:
Fogg Travel Insurance Claims Limited
Crow Hill Drive, Mansfield, Notts, NG19 7AE

For residents of the UK: In the event you remain dissatisfied with the final response from the above it may be possible for you to refer the matter to Lloyd’s:
Lloyd’s, 21 Lime Street, London, EC3M 7HA
T 020 7327 5693 E

Alternatively, should you remain dissatisfied with Lloyd's final response it may be possible in certain circumstances for you to refer it to the Financial Ombudsman Service (FOS). Following the complaints procedure with the FOS does not affect your rights to take legal action.

For residents of the Republic of Ireland Should you remain dissatisfied with the final response from the above or if you have not received a final response within forty business days of the complaint being made, you may be eligible to refer your complaint to The Financial Services Ombudsman’s Bureau (FSOB). Further details will be provided at the appropriate stage of the complaints procedure.

Financial Services Compensation Scheme
Your insurers are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you. This depends on the type of insurance, size of the business and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS:

Financial Services Compensation Scheme
T 0800 678 1100 / 0207 741 4100

Antares Syndicate 1274 at Lloyd's.
Registered Office: 21 Lime Street London EC3M 7AA.

Antares is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority.

Full details can be found online at the PRA/FCA websites or by contacting the PRA on 020 7601 4878 or the FCA on 0800 111 6768