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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.
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!)
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
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..."
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
If the left side of the brain controls your right, and the right side controls your left, then left-handed people are always in their right mind!
Please help to support this site with a small donation... every little helps...
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...
And that has what to do with forced entry?
If the claimant was on holiday at the period in which his/her goods was stolen the Burglar must have either A) Forced their way in (provided s/he locked up of course.) or B) Had the key.
Now if the burglar had the key yes the claim may still be valid, however it is unlikely that a pickpocket can steal a key AND know which house it opens.
Also in the case that the claimant accidentally left his/her house unlocked whilst on holiday and was thus stolen from, well matter of factly its their own darned fault.
If the claimant was on holiday at the period in which his/her goods was stolen the Burglar must have either A) Forced their way in (provided s/he locked up of course.) or B) Had the key.
Now if the burglar had the key yes the claim may still be valid, however it is unlikely that a pickpocket can steal a key AND know which house it opens.
Also in the case that the claimant accidentally left his/her house unlocked whilst on holiday and was thus stolen from, well matter of factly its their own darned fault.
Meaning Well;
Artie
I will say again, a BrightHouse DLC policy is NOT real insurance, and you know it!
Lefty
If the left side of the brain controls your right, and the right side controls your left, then left-handed people are always in their right mind!
Please help to support this site with a small donation... every little helps...
can any one help me!...iam looking in to this for a freind who is beside her s i lf.said i wud give this site a go 4 her as i have so much help here my self...so here is the problem she is 9 weeks away from finishing her account with them but is in £100 arrears they are sying that they will be out in next few days to remove all goods that belong to them because she can not repay the arrears and weekly payment as soon as can they do this!!! please help if u can soi can put her mind at rest
If you click on the above and choose a subject line and copy your query into it, I will comment and it will get you noticed.
PJ
PlumberJon
UNUS VIR OBVIAM ORBIS TERRARUM
Are you being harrassed by a DCA or Brighthouse. Click the link for OFT Debt collection guidelines. Chances are, they could be in breach of some part of sections 2 or 3 or both!
im here looking for help regarding the OSC and DLC part of teh agreement i can upload copies of the agreement i took out on 10/12/2011 if its any use to anyone for scanning through the smallprint. ???
BrightHouse OSC and DLC Terms and Conditions
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Originally Posted by Arthwain
keep up the good work
