We and/or our carefully selected third parties may collect and use your personal information under the following circumstances or for the following reasons:
- a) To provide you services relating to an insurance quotation and/or insurance policy such as:
assessing your insurance application and arranging your insurance policy, such as;
managing your insurance policy including claims handling and issuing policy documentation to you
providing you with the services described in your policy documents
The collection and use of information such as your name, address, date of birth, claims history, what/who you would like to insure, medical conditions for travel insurance and conviction details where necessary to provide you with a quotation and/or policy. Without this information, we’ll be unable to assess your application and/or provide claims services. Our assessment of your insurance application may involve an automated decision to determine whether we’re able to provide a quotation and/or the price. The decisions involve the use of systems, such as our price rating and acceptability tools, and are dependent on the information you provide us – for example: post code, conviction details, health details for travel insurance and/or type of property for home insurance – to produce a result as to whether we’re able to provide a quotation and/or what the relevant price for your policy should be. If you object to an automated decision that is required to determine your insurance premium, then we’ll be unable to provide you with an insurance quotation or renewal.
- b) Where we have a justifiable reason, such as:
keeping records about you and our correspondence with you as well as your current and past insurance policies and history of insurance claims. This is so that we can appropriately and effectively manage our relationship with you as well as satisfy any legal and regulatory obligations we may have to keep such records.
preventing and detecting fraud, financial crime and anti-money laundering. We may use your personal information to prevent fraud and in doing so may:
collect personal information about you from databases as described in this notice and from publically available sources, such as social media and networking sites
share your personal information with fraud prevention agencies. Your personal information will be checked with and recorded by a fraud prevention agency. If false or inaccurate information is provided and fraud is identified, details will be passed to the fraud prevention agency. This information will be accessed and used by us, law enforcement agencies and other organisations to prevent fraud and money laundering, for example: when checking details on applications for credit and credit related or other facilities; managing credit and credit related accounts or facilities; recording debt; checking details on proposals and claims for all types of insurance; and checking details of job applicants and employees. Other organisations may search the databases held by these fraud prevention agencies when you make an application to them for financial products. If such companies suspect fraud, we will share your personal information with them. The information we share may be used by those companies when making decisions about you. We and other organisations may access and use, from other countries, the information recorded by fraud prevention agencies.
share your personal information with operators or registers available to the insurance industry to check information you provide. These include the Claims and Underwriting Exchange Register and Theft Register. We may pass information relating to your insurance policy and any incident to the operators of these registers, their agents and suppliers.
use any personal information obtained about you, or anyone you have provided us information about, to carry out the above profiling activity as part of our investigations into fraudulent behaviour. Should fraud be identified as a result of such profiling activity, this could result in the rejection of an application for insurance, a claim and/or voidance of your policy.
provide sales information to third parties, such as a price comparison website which you may have used to purchase a policy with us, so that we can fulfil our contractual responsibilities to them.
carrying out processes, such as statistical and trend research and analysis, which may include computerised processes which profile you. This is to better understand, predict and forecast our customer’s or prospective customer’s preferences and to improve the products and services we offer.
using information collected from databases we use together with the personal information you give us, to help us to improve and develop our internal databases and systems, such as those used for assessing the risks we insure and communicating with you, in order to improve the products and services we offer. For more information about how we communicate our products and services, please refer to section 4 of this notice.
we may anonymise and combine the information you have given us to understand more about you, create new products and services as well as helping us with our marketing.
recording and monitoring calls for training purposes, to improve the quality of our service, to help us deal with queries or complaints from you and to prevent and detect fraud and financial crime. We may also use CCTV recording equipment in and around our premises for monitoring and security purposes.
- c) You have given us your permission:
to use your sensitive personal information in order to provide you with a quotation, price and/or the services set out in your policy documents, for example handling claims or for making reasonable adjustments as a result of a disability you have told us about or your religious beliefs. Where you have provided sensitive personal information about someone connected to you, for example 2nd applicants, you would have confirmed that you have their permission to share this information with us
to use personal or sensitive information about a child in order to provide you with a quote related to travel insurance or fulfil the services outlined in your policy documents, such as handling a claim.
- d) For details about how we use your information to communicate our similar products and/or services, your use of our websites and email communications, please refer to section four of this notice.
We may share your information with third parties in order to carry out the above activities. For further details about who we might share your information with, please refer to section five of this notice.