Personal Information

We must always have a legal basis to process your information. We have set out the purpose for processing your information against the legal basis that we are relying upon:

Entering into and the performance of a contract:

  • Providing a quote for insurance
  • Assessing an application for insurance
  • Administering and managing the policy
  • Providing services and products under your insurance policy
  • Handling claims made under your insurance policy
  • Applications for credit
  • Recovering debt
  • Underwriting

Legitimate Interests:

  • Credit reference checks
    It is our legitimate interest to check your ability to afford the policy you are purchasing.
  • Fraud checks
    It is our legitimate interest to prevent and detect fraud.
  • Money laundering checks
    It is our legitimate interest to prevent and detect money laundering.
  • Fraud investigations including surveillance
    It is our legitimate interest to investigate fraud using surveillance to assist our investigations.
  • Training
    It is our legitimate interest to improve our customer service.
  • Internal Analysis
    It is our legitimate interest to improve our products
  • Pricing and Policy Acceptance
    It is our legitimate interest to price our products based on your insurance risk and to set policy acceptance parameters to determine when we want to insure the risk.

You can object to us processing your information for one of these legitimate interests using the details in the ‘How to contact us’ section of the Privacy Policy.

Consent:

  • Marketing

Legal and Regulatory Requirements:

  • Reporting to the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (PRA)
  • Handling Financial Ombudsman Service (FOS) complaints
  • Handling Information Commissioner’s Office (ICO) complaints
  • Providing and sharing personal data with the Motor Insurance Bureau (MIB)

Sensitive/Special Category Information & Criminal Conviction and Offences Information

When we process your special category information or criminal conviction information, we must always have an additional legal basis. We have set out the purpose for processing your special category information or criminal conviction information against the legal basis we are relying upon:

Processing is necessary for an insurance purpose

We process your medical information and criminal conviction information for the following purposes:

  • Providing a quote for insurance
  • Assessing an application for insurance
  • Administering and managing the policy
  • Providing services and products under your insurance policy
  • Handling claims made under your insurance policy
  • Underwriting
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