Terms of Service & Customer Insurance Service Information

By registering an account with BluNiche Risk Services Limited (“We”, “Our”, “Us”) via the website, You will be deemed to have read and accepted the Terms. This information should be read in conjunction with our Privacy Policy. Specific insurance policy terms and conditions will prevail over any of the terms below should any contradiction arise.

About BluNiche Risk Services Limited and Our Insurance Services

Blu Niche Risk Services Limited is a limited liability company incorporated in England & Wales (Company number: 13809098). Registered Office 8 Lloyd’s Avenue, 1st Floor, London, EC3N 3EL. Blu Niche Risk Services Limited is an Appointed Representative of D A Strategy Limited, which is authorised and regulated by the Financial Conduct Authority FCA 927590.

In respect of all insurance business in the EEA Blu Niche is a trading name of DA Strategy Global GmbH incorporated and registered in Germany as an insurance agent with authorisation according to § 34 d para. 1 GewO and registration number: D-6AA6-0V31H-31. Court of registration: Hamburg HRB 165919, acting through its London Branch with UK establishment number BR023132 and registered at 2 Minster Court, London, EC3R 7BB, UK.

You can verify these details by visiting the FCA’s website (www.fca.org.uk/register) or by contacting the FCA on 0800 111 6788.

Our Insurance Services

BluNiche are the designer, co-manufacturer and distributor of the BluNiche insurance products. As a customer of BluNiche, if you have any questions or concerns regarding Our products please contact Us by emailing contact@bluniche.com.

As We are an insurance intermediary and not an insurance company, We have entered into a contractual agency relationship with certain underwriters at Lloyd’s (the “Insurers”), including Chaucer Syndicate 1084 that enables Us to collect the premium and distribute Our insurance products.

When providing this insurance service, We act for and on behalf of the Insurers.

Any insurance claims you make must be notified directly to the Insurers or their nominated claims representatives. For more information, please refer to the policy documents.


We do not apply administration charges to Our customers for arranging or administering their insurance policies.

Customer disclosure

You owe a duty to make a fair presentation of the risk to the insurer. You have a duty to disclose to the insurer every material circumstance which you know or ought to know after a reasonable search or which is sufficient to put the insurer on notice that it needs to make further enquiries for the purpose of revealing those material circumstances. In addition, you have a duty to disclose information in a clear and accessible manner.

A circumstance is material if it would influence a prudent insurer’s judgement in determining whether to take the risk and, if so, on what terms.

Failure to disclose a material circumstance may entitle an insurer to:

  • in some circumstances, void the policy from inception and in this event any claims under the policy would not be paid;
  • impose different terms on your cover; and/or
  • reduce the amount of any claim payable.

This duty applies:

  • before your cover is arranged;
  • when it is renewed; and
  • at any time that it is varied.

Insurance Premium

We are not permitted to hold client money. We have entered into a written agreement with certain underwriters at Lloyd’s, including Chaucer Syndicate 1084, that all premiums paid to Us are held on trust as agent of the Insurers by Our regulatory principal D A Strategy Limited. In accordance with this agreement, premiums are treated as being received by the insurer when received into the D A Strategy Limited insurer trust bank account and any premium refund is treated as received by you when it is actually paid over to you or your broker.

Awareness of policy terms

When a policy is issued, you are strongly advised to read it carefully, as it is that document, the schedule and any certificate of insurance that details the cover that you have in place. If you are in doubt over any of the policy terms and conditions, please contact Us promptly.


Unless agreed by prior and mutual written consent, English law will apply to these Terms & Conditions, as well as to legal determination of any other aspect of your relationship with Us. We supply the policy documents and communicate with you in English only.


We strive to offer an excellent level of service in all aspects of Our business, but if you are not happy, We ask that you contact Us as soon as possible so We can seek to reach a fair and timely resolution to your complaint.

For more details on how to file a complaint, click here.

You can contact Us at any time by emailing: neil.evans@bluniche.com
Or you can call Us at this telephone number: +44 7766 417 033

If you are not happy with how We have handled a complaint you may initiate the Lloyd’s Complaints Process (detailed on our complaints page), and: 

(a) if you meet the current Financial Ombudsman Service (‘‘FOS’ ‘) criteria, you are entitled to refer the matter to the FOS. You can obtain further information including how to contact the FOS from www.financial-ombudsman.org.uk, email: complaint.info@financial-ombudsman.org.uk or phone 0800 023 4567; and/or

(b) you may submit a dispute for online resolution to the European Commission Online Dispute Resolution platform. You can find this platform and more information about it here: http://ec.europa.eu/consumers/odr

Use of material on the BluNiche website

We are the owner or the licensee of all intellectual property rights on the BluNiche Risk Services website, and in the material published on it and/or generated by it. These works are protected by copyright laws. All such rights are reserved.

Cancelling the policy

To cancel any insurance policy please contact your broker.

Financial Services Compensation Scheme

As the Appointed Representative of D A Strategy Limited We are covered by the Financial Services Compensation Scheme (FSCS). If We are unable to meet Our obligations, you may be entitled to compensation from the scheme depending on the type of insurance and the circumstances of the claim.

Further information is available from the FSCS at www.fscs.org.uk. Their telephone number is 0800 678 1100 or 020 7741 4100.