BrightHouse OSC and DLC Terms and Conditions

[Lefty]

BrightHouse Optional Service Cover and Damage Liability Cover Terms and Conditions.

I have been able to borrow a recent BrightHouse agreement, so took the opportunity to scan the terms and conditions. This has been quite a long process, because the one thing that Optical Character Recognition software has trouble with is text formatting within contracts!

So after a lot of correction and re-formatting, here ya go! I have made them available in Adobe PDF format for easy download (opens in new window). If you would prefer a copy in MS Word, PM me and I'll get it to you.

Please note. These files are NOT hosted by CAG.



OPTIONAL SERVICE COVER Terms and Conditions

Interesting read this one. No mention anywhere of returning your product at any time. It is just a simple (non insured) service contract. (Plus it's totally worthless because BrightHouse can simply end it if they feel like it!)



DAMAGE LIABILITY COVER Terms and Conditions

More interesting reading... Now we know why BrightHouse, as a company, doesn't appear to be regulated by the FSA! DLC policies are underwritten by Caversham Insurance (Malta) Ltd (a sister company of Caversham Finance, which owns BrightHouse!)

Oh what a tangled web we weave...

Watch out for the policy excess on portable equipment, and if your goods are ever stolen they won't pay out unless there is forced entry!

...And to complete the set, here are the complete terms and conditions applied to a standard BrightHouse Hire Purchase Agreement

BRIGHTHOUSE HIRE PURCHASE TERMS AND CONDITIONS

OK, now a couple of things spring to mind... Firstly BrightHouse have recently been awarded "corporate membership of the Plain English Society", I'm guessing that these contracts weren't part of the appraisal process!!! :o

And secondly, customers are expected to have fully understood all the terms and conditions in the agreements they sign at the point of sale...

"STATEMENT: All charges, terms and obligations in every agreement we make with our customers are explained in easily understood language in a personal presentation in store before the agreement is signed. We then test customers on their understanding of the agreement..."

What do YOU think?



Cheers
Lefty

[Arthwain]

and if your goods are ever stolen they won't pay out unless there is forced entry!

That applies to EVERYSINGLE insurer possible Lefty. Even your Home Insurance will state that.

[Lefty]

Originally Posted by Arthwain

That applies to EVERYSINGLE insurer possible Lefty. Even your Home Insurance will state that.

Not strictly true. Have you not heard of "all risk" items or policies?

I know of a case where BrightHouse refused a DLC claim because, in the store manager's opinion, the customer should not have left her house empty whilst on holiday...

BrightHouse DLC insurance isn't "real" insurance, and you know it!


With respect

Lefty