BAR has developed, in collaboration with the OFT, three different sets of Conditions, one for each of the three identified approaches most removers are likely to consider in relation to the protection against loss of or damage to their customers' goods.
Please note: members must NOT claim that the Terms and Conditions are approved or cleared by the OFT. BAR has confirmation only that it has satisfied the OFT of the concerns raised over months of discussions, and that the OFT does not intend to pursue them further. Only a court has the power to decide that a term is fair as defined by the Unfair Terms in Consumer Contracts Regulations and Consumers remain free to invoke the Regulations in any dispute arising out of the Model Terms, and to complain about them to the OFT or another qualifying body.
Standard Conditions
For use by firms which arrange and sell insurance to customers and are authorised to do so by the Financial Services Authority (FSA) in any of the following ways: Directly authorised by the FSA, Appointed Representative of an insurer or broker which is itself authorised by the FSA, Introducer Appointed Representative. Also for use by removers operating on a de-regulated basis.
Liability Conditions
For use by firms offering the 'Extended Liability' (or 'Declared Value') route - whereby the remover does not sell insurance but offers the customer different price options with different levels of contractual liability according to the level of liability and value declared by the customer.
Insured Remover Conditions
For use by firms offering the 'Insured Remover' route - whereby the remover buys insurance himself (for Full Liability cover if necessary rather than just All Risks) as a block policy to cover all work carried out over the coming year but makes no insurance sale or offer to the customer.
