For us to provide our services and to administrate insurance quotes, insurance policies, service policies, and/or deal with any claims or complaints we need to collect and process information (including personal data) about you and any other individuals you may disclose. We may also collect and process information classified as “special categories” or sensitive data.
Information you provide about other people will be processed on the basis that you have provided this information with their explicit consent.
The types of personal data that we process may include but not be limited to:
||such as name, address, contact details, martial status, date and place of birth, nationality, employer, job title, family details
||identification numbers issued by government bodies or agencies, including your national insurance number, employers reference number, passport information, tax and driving licence information, utility bills, certificates of incorporation (for businesses)
||bank account and payment card details, income, expenditure or other financial information
||information about you or other persons named or eligible to claim benefits under a policy in order to assess the risk to be insured and provide a quote. This might include data relating to health, criminal convictions, offences, garaging details, mileage details, details of valuable items. For certain types of policy, this could include information such as telematics data.
||Information about the quotes you receive and the policies you arrange
|Credit and anti-fraud data
||see the heading “Credit Searches and fraud prevention” below.
|Previous and current claims
||Information about previous and current claims (including unrelated insurances) which may include data about your health, criminal convictions and surveys.
|Special categories of personal data
||It is possible that special categories of data may be collected through our interactions with you or other parties, in which case we will ensure we meet the additional levels of protection required under the data protection laws.
In the event of an incident or claim we may also collect information from third parties (such as the other party involved in the claim), law enforcement agencies (e.g. the police), witnesses, experts, loss adjusters, loss assessors, solicitors and claims handlers.
We also use “cookies” to collect data when you use our website(s). Further details about cookies and how we use them can be found in our website notices.
We may also collect personal information when you or your representative or anyone named or contact us, for example to ask us a question, or update your personal information.
To ensure that your personal details are protected, we may ask questions to confirm your identity before we can communicate with you or your representative.
What we do with your information
We process and use your personal information to enable us to act as an insurance intermediary and to promote products and services to you. This means we will exchange the information we collect with insurers, other brokers or intermediaries, agents and service providers for this purpose. This includes maintenance of our own accounts and records and to support and manage our staff. Below gives an overview of what we might use your personal information for and whom we might exchange it with:
- Obtain and Provide quotations and arranging your insurance cover
- Administering your insurance policies
- Claims processing or assisting you in your claim
- Complaint handling
- Processing renewals and adjustments
- Complying with our legal or regulatory objectives
- Debt collection
- Premium payment and premium finance arrangements
- Business transfers (where we sell all or part of our business and/or assets to another party)
We may also need to share your personal information with:
- Professional advisors and auditors
- Law enforcement agencies
- Claims handlers
- The MID and MIB
- Any other party as referred to in this privacy notice
- Credit reference agencies
We will also use your personal information to:
- Help train our staff and improve our customer service, website and data bases
- Help us understand our customers and prospective customers
- Prevent fraud and other financial crime
- Ask you to provide feedback to us on the products and services we provide
- Identify risk and manage risk exposure
- develop, improve, and personalise the products we offer
- develop and improve pricing and underwriting and risk selection strategies and processes
- develop and improve our administration, security systems and insurance applications
- promote responsible lending and help prevent over-indebtedness
Your contact information will be used to contact you throughout the duration of your policy and may continue beyond that, for example if you have given consent to receive marketing or other communications or make a complaint or a claim is made. Other parties that we share your contact information with may also need to contact you during your policy term and beyond, for example if a claim has been made or you have a complaint.
We will disclose your personal information to insurers, intermediaries, our service providers, contractors, agents and group companies that perform activities on our behalf for these and other purposes described in this policy. We may also disclose your personal information to anyone you have nominated to handle your insurance on your behalf.
To help improve customer service and for quality control and training purposes, telephone calls may be recorded and monitored.
We must make you aware that insurers are legally required to provide details of motor insurance policies to the Motor Insurance Database (MID) managed by the Motor Insurers’ Bureau (MIB). MID data may be used by certain statutory and authorised bodies including but not limited to the Police, the DVLA, the DVANI, the Insurance Fraud Bureau and other bodies permitted by law. Insurers also share information with each other via the Claims and Underwriting Exchange Register (CUE), and the Motor Insurance Anti-fraud and Theft Register, and other data bases (including our own). This exchange of information enables us and insurance companies to verify the information that is provided during the quote or claims process (including information about any third party who is named on the policy) and help prevent fraud.
We must also make you aware that insurers and/or their agents and intermediaries may pass your information to countries within the EU and in some cases may pass your information to countries outside of the EU, for example the United States. On such occasion they must ensure that adequate levels of data protection are in place. The insurers documents will explain how your data will be used.