1. Personal Information provided by You:
Your Personal Information will be collected in a variety of ways, for example, by use of Our website, completion of an application form, or completion of a claim form and sent by various methods including by post, email and by telephone.
The Personal Information You provide to Us will include:
2. Information from other sources
We may also acquire Your Personal Information from reputable third-party companies who operate in accordance with UK data protection legislation. We will only take receipt of such Personal Information where You will have already submitted Your Personal Information to these companies and have specifically given permission to allow them to pass it on to other companies that provide similar or complementary products and services to Us. We may also obtain information from credit agencies, public sources, social media and similar online resources.
3. Information We collect through Our website (‘cookies’):
How Your Personal Information is used:
We will use Your Personal Information for the following reasons:
This list is not necessarily exhaustive as changing business needs or external factors may influence the use of the information We hold. Should there be a need to use Personal Information for other reasons, We will update this Policy.
Who else might need to see the Personal Information held?
We may need to send Personal Information to other firms in connection with Our Services, including the following:
Where will Personal Information be held?
The Personal Information that We collect from You may be transferred to, or processed or stored in any country, including those outside the European Economic Area. To ensure We meet Our obligation to adequately protect Personal Information We will:
How long will Personal Information be held for?
As part of Our commitment to Your privacy, We will not hold Your Personal Information for any longer than is necessary. Your Personal Information will be retained in accordance with our Personal Data and Record Retention Policy, based on the relevant legal and business requirements and, accordingly, the retention periods for Personal Information will vary according to the nature of the information held. In most cases, information will be stored for seven years, but longer periods may apply to comply with regulatory or legal requirements.
For record keeping purposes, We will retain a record to assist Us in determining future applications for insurance that You may wish to take.
In most cases, when We process Your Personal Information We will not contact You for consent, for example:
We are committed to ensuring that Your Personal Information is secure. To prevent unauthorised access or disclosure, We have put in place suitable physical, electronic and managerial procedures to safeguard and secure the Personal Information We collect online, including ISO 27001 accreditation.
Keeping Personal Information up to date
Please let us know if Your Personal Information changes as it is important that the information We hold about You is accurate and up to date. We will not be responsible for any errors or Personal Information losses because of not being informed of a change in Personal Information.
Automated decision making
We may also use Your Personal Information to automate some decision-making processes. We will inform You when decisions are made by this process, and You will have the right to ask for the decision to be reviewed in person, for example by having the option of referring a decision to an underwriter.
Your rights regarding Personal Information
You have the right under current legislation to request a copy of the Personal Information We hold about You, often known as a subject access request.
If You wish to request this Personal Information, please write or send an email to Our Data Protection Officer.
You also have a right to:
In the event of a complaint regarding the Personal Information We hold, please refer to Our Complaints Procedure or contact Our Data Protection Officer.
If you remain dissatisfied, you may refer your complaint to the Information Commissioner’s Office. Further information is available on their website: https://ico.org.uk/for-the-public/
Data Protection Officer
Telephone: 0300 123 3201