Insurance Agency Terms & Conditions Generator

Bridgeway Insurance Group acts as an independent insurance intermediary, arranging cover on behalf of clients across personal, commercial, and specialist lines. By requesting a quotation, purchasing a policy through us, or using our advisory services, you agree to the terms set out below.

We are authorised and regulated in accordance with applicable financial services legislation. Our regulatory status, permissions, and complaints procedures are detailed on our website and in the documentation provided at the outset of our relationship. We act as your agent when arranging cover, meaning our duty is to you, not the insurer, unless we notify you otherwise in writing.

Our role is to assess your insurance needs, search the market or a defined panel of insurers on your behalf, and recommend cover that matches your stated requirements and budget. We do not guarantee the cheapest premium, and the suitability of any policy depends on the accuracy and completeness of the information you provide to us.

These terms may be amended from time to time to reflect regulatory changes or updates to our service model. We will notify you of material changes by email or letter. Continued use of our services after notification constitutes your acceptance.

We arrange insurance across a broad range of classes including home, motor, travel, business premises, employers liability, public liability, professional indemnity, fleet, and specialist cover such as high-net-worth property and event cancellation. Available products depend on our insurer panel and your specific risk profile.

Our service includes initial needs assessment, market research, quotation presentation, policy placement, mid-term adjustments, claims notification assistance, and renewal management. We provide documentation for each policy including a schedule, statement of fact, and policy wording. It is your responsibility to read these documents and notify us immediately if any detail is incorrect.

Claims support is provided as part of our ongoing service. We help you notify insurers, gather supporting documentation, and follow up on claim progress. We do not adjudicate claims or make settlement decisions, as these rest with the insurer under the policy terms.

Premiums and our fees are clearly itemised in your quotation. Payment arrangements, including direct debit options through premium finance providers, are offered where available. Missed payments may result in policy cancellation by the insurer, for which we accept no liability.