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

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.

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

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.

Meaning Well;

Artie

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.

 

Meaning Well;

 

Artie

I will say again, a BrightHouse DLC policy is NOT real insurance, and you know it!

Lefty

thanks lefty you have helped save me from £2000 of debt with brighthouse:) keep up the good work

Thanks PJ

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

Hi

Your probably best starting this in a new thread, see below:

http://www.consumeractiongroup.co.uk/forum/newthread.php?do=newthread&f=164

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

hi lefty can you send me a copy of brighthouse agreement in mw cheers;)

Hi,

Can someone please re-up all the Brighthouse documents please. They have all vanished from the Consumer Wiki. Have a friend who needs help.

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. ???

hi does anyone have a recent copy of the terms and conditions in concern to Brighthouse's terms and conditions on hire purchase thanks, cant seem to find it on their website (not that I expect to )

thanks

Donna

should i remove this cover?

They seem to bump the prices up of items.

should i remove this cover?

 

They seem to bump the prices up of items.

Defiantly remove both covers ! (you will need a home contents insurance policy to remove dlc) but it would cost you a lot less and be better than brighthouses dlc. The dlc is not a propper insurance cover ...infact it is totally useless and covers nothing!! The osc, you can cancell with 7 days notice. Osc is an overpriced extended service cover which is almost forced upon customers and the salesperson is expected to sell it with every sale . It is extortinatley priced and serves to make up the loss of revenue on "skips" people who don't pay .

Hi i have lost mobile phone lastnight when i was out with friends , i dont know if i have lost it myself or it has been taken from my bag . i have been intouch with my network provider that i have lost phone and they have put a block on it , but im wondering what i will say to brighthouse tomorrow morning when i ring them, as i do not have there dlc cover but i have my home insurance , does anyone know whether this is covered and also whether i have to report the loss to my insurance company or whether brighthouse contact them

The links to the external documents appear to be either broken or removed !

If your home insurance includes external insurance then your phone is insured,,,,Brighthouse DLC and OSC is a complete waste of time,,,I bought a laptop from there and would have ended up paying £656 in insurances so I refused them both,,All electrical goods (new) are covered by the makers guarntee for the first year anyway..my bill started at 14.94pw and now I have removed their useless dlc and OSC it is only 8.44 pw,,big difference

my mum wrote to cancel the OSC and DLC on some items and they said she has to come into the store to do it because they have to re-write the contracts and the ONLY day that they can do that is on saturdays. is this true!? Why only saturdays can they do this? we sent the letter over a week ago expecting it to be cancelled from when we last paid but nope they took full payment and said we have to go in next weekend to pay it

my mum wrote to cancel the OSC and DLC on some items and they said she has to come into the store to do it because they have to re-write the contracts and the ONLY day that they can do that is on saturdays. is this true!? Why only saturdays can they do this? we sent the letter over a week ago expecting it to be cancelled from when we last paid but nope they took full payment and said we have to go in next weekend to pay it

Rubbish - they are just flexing their muscles. Why on a Saturday when the store is likely to be it's most busiest ?

Send a letter, if need be, head it Official complaint and let them do their job.

Yes..we were fed the 'only Saturday' baloney,but complied cos I couldn't be bothered to argue...we gave a weeks written notice and went in the following week,had all the OSC and DLC removed,and paid the new rate straight away..I was definitely not 'feeling the love' in there,,quite the cold shoulder cos now I pay the minimum They do actually rehash the contract and you re sign,,make sure the figure is right tho,cos they are very good at folding pages over

seems weird to me why it has to be a saturday!? its alot of messing for us to go instore especially at weekends

I think it's a ''power' thing,,cos they know you have cottoned onto their insurance rubbish I got all the 'what if something happens'' speil,,,I said 'it's covered by the manufacturers warranty and I can extend that if I want' £656 is what I would have paid in OSC alone if I had kept it,,,only £2 cheaper than the total cost of the thing !!

closing the sticky

if you have issues

start your own thread.

this is for REF only.