Privacy

How we use your information and who we share it with

We will use your information to manage your insurance policy, including underwriting and claims handling. This may include disclosing it to insurers, third party underwriters and reinsurers (the Group).

Your information includes data about your transactions.

We may use and share your information with other members of the Group to help us and them:

• prevent and detect crime;
• understand our customers’ requirements;
• develop and test products and services.

We do not disclose your information to anyone outside the Group except:

• Where we have your permission; or
• where we are required or permitted to do so by law; or
• to other companies who provide a service to us or you; or
• where we may transfer rights and obligations under this agreement.

We may transfer your information to other countries. If we do this we will ensure that anyone to whom we pass it provides an adequate level of protection.

From time to time we may change the way we use your information. Where we believe you may not reasonably expect such a change we shall write to you. If you do not object to the change within 60 days, you consent to that change.

Sensitive information

Some of the personal information we ask you for may be sensitive personal data, as defined by the Data Protection Act 1998 (such as information about health or criminal convictions). We will not use such sensitive personal data about you or others except for the specific purpose for which you provide it and to provide the services described in your policy documents.

Cookies etc.

We may collect information about your computer, including where available your IP address, operating system and browser type, for system administration.

We may use ‘cookies’ to monitor how people use our site. Most websites use cookies. They help us understand how our customers and potential customers use our website so we can develop and improve the design, layout and function of the sites. We may, for example, use cookies to store registration information so that you do not have to provide it to us on subsequent visits.

For more information about how to disable cookies in your browser please visit the AboutCookies website.

Dealing with other people

It is our policy to deal with your spouse or partner who calls us on your behalf, provided they are named on the policy. If you would like someone else to deal with your policy on your behalf on a regular basis please let us know.

In some exceptional cases we may also deal with other people who call on your behalf, with your consent. If at any time you would prefer us to deal only with you, please let us know.

Fraud prevention agencies

If false or inaccurate information is provided and fraud is identified or suspected, details may be passed to fraud prevention agencies.

Law enforcement agencies may access and use this information.

We and other organisations may also access and use this information to prevent fraud and money laundering.

We, and other organisations that may access and use information recorded by fraud prevention agencies, may do so from other countries.

We can provide the names and addresses of the agencies we use if you would like a copy of your information held by them. Please contact us at the address below. The agencies may charge a fee.

If you would like a copy of the information we hold about you, please write to our address above. A fee may be payable.