As an insurance product provider, we will need to collect personal information about you,and possibly your family, to arrange and administer your policy, and to handle any claims that you may make.
Your right to privacy is important to us and we are committed to keeping it protected. This Privacy Notice which will explain how we use the personal information we collect about you and how you can exercise your data protection rights. This Privacy Notice will help you understand the following:
There are a number of ways in which we may collect your personal information.
If you have received a quote or purchased this policy from a financial adviser, your financial adviser will have provided us with personal information on your behalf.
We may also collect personal information directly from you:
We may also collect your personal information from:
The information we collect will depend on the type of insurance policy that you wish to receive a quote for and whether or not you purchase the policy. Below are the types of information that we would typically collect from you:
In certain circumstances we may also use information about health or criminal convictions but we will only do this where allowed by law or if you give us your consent.
We will use your personal information to:
Data protection laws require us to meet certain conditions before we are allowed to use your personal information in the manner described in this Privacy Notice. To use your personal information, we will rely on one or more of the following grounds:
Before we can offer you an insurance product or service, we may need to conduct the following activities, which involve automated (computer based) decision-making:
Pricing and underwriting – this process calculates the insurance risks based on the information that you have supplied. This will be used to calculate the premium you will have to pay;
Credit Referencing – using the information given, calculations are performed to evaluate your credit rating. This rating will help us to evaluate your ability to pay for the quoted products and services; and
Automated Claims – some small claims may qualify for automated processing, which will check the information you provide, resulting in a settlement or rejection of your claim.
The results of these automated decision-making processes may limit the products and services we can offer you. If you do not agree with the result, you have the right to request that we perform a manual reassessment using the same information that you originally provided.
We may share your personal information with:
Sometimes your personal information may be sent to other parties outside of the European Economic Area (EEA) in connection with the purposes set out above. We will take all reasonable steps to ensure that your personal information is treated securely and in accordance with this Privacy Notice, and in doing so may rely on certain “transfer mechanisms” such as the EU-Us Privacy Shield, and the standard contractual clauses approved by the European Commission. If you would like further information please contact us.
We will only keep your personal information for as long as reasonably necessary to fulfil the relevant purposes set out in this Privacy Notice and in order to comply with our legal and regulatory obligations. The time period we retain your personal information for will differ depending on the nature of the personal information and what we do with it. How long we keep personal information is primarily determined by our regulatory obligations. We typically keep quote information for 3 years, and policy and claims records for up to 7 years from the end of our relationship with you. In some cases, such as if there is a dispute or a legal action we may be required to keep personal information for longer.
You have a number of rights concerning the personal information we use. You may request that we:
provide you with details of the personal information we hold about you.
Wherever possible, we will respond within one month from receipt of the request, but if we do not, we will notify you of anticipated timelines ahead of the one month deadline.
Please note, in some cases even when you make a request concerning your personal information, we may not be required, or may not be able, to honor it, as this may result in us not being able to fulfil our legal and regulatory obligations, or there is a minimum statutory period of time for which we have to keep you information. If this is the case, we will let you know our reasons.
To make a request, please write to us at writing to us at Uinsure Limited, PO Box 5524, Manchester, M61 0QR.
To ensure that we do not disclose your personal information to someone who is not entitled to it, when you are making the request we may ask you to provide us with your name, address, date of birth, policy number(s) and a copy of your photo identification.
If you require further information on, or wish to complain about, the way that we use your personal information, please write to us at Uinsure Limited, PO Box 5524, Manchester, M61 0QR.
If you believe we have not complied with our obligations in relation to the handling of your personal information you have a right to submit a complaint to the Information Commissioner. For further information please visit https://ico.org.uk/global/contact-us/
This Policy was last updated on 25th July 2018.