In case any other drivers will be or are named on your insurance policy it is your obligation to show this Policy to them and ask them to read it thoroughly to make sure that they acknowledge and agree that their personal data may be processed in accordance with this Policy.
Please note that the provision of personal data in accordance with this Policy is a precondition for us to be able enter into a contract with you and to perform under any such contract entered into. Failure to provide the personal data requested may for instance prevent us from providing you with an insurance quote, from calculating your insurance premium and from processing any claim made under your insurance policy.
You should read this Policy alongside our Terms and Conditions which are available here.
We are the data controller in respect of any personal data we collect about you and any other drivers named on your insurance policy for the purposes of the Data Protection Act 1998 and all other applicable law from time to time relating to the processing of personal data including (where applicable) the General Data Protection Regulation (EU) 2016/679 of the European Parliament.
If you have any comments or enquires related to this Policy please do not hesitate to contact us at email@example.com.
In case of urgency you may also contact our data protection officer directly at firstname.lastname@example.org. Our data protection officer ensures, in an independent manner, that our processing of personal data is carried out in accordance with applicable law.
We collect and process the following personal data about you for the purposes specified in section 3 below:
When you have signed up to our telematics based insurance product we will automatically collect a range of vehicle and driving related information from the telematics unit (the “Miles Tracker”) installed in your vehicle, including:
On the basis of these data we will build a profile of how, where and when your car is driven and this, amongst others, allows us to manage your insurance policy and calculate your premium. However, note that we will not refuse your insurance claim simply because you were driving above the legal speed limit.
Website and application data
When you interact with our website or mobile application we automatically collect certain information in respect of the interaction, including:
Recording and monitoring
We may record or monitor calls, emails, text messages and other correspondence for training purposes, to improve the quality of our products and services and to prevent and detect fraud.
We may collect information about you from third parties and combine it with the information collected from you. Such third parties may include the Driver and Vehicle Licensing Agency (DVLA), the Motor Insurance Database (MID), the Claims and Underwriting Exchange (CUE), MyLicense and credit checking agencies. Some of these third parties may record our enquiries.
The information collected may include your personal details (name, postal address, demographic information etc.), driving license data, vehicle registration number, credit scoring information, information about prior insurance claims made by or against you and certain personal data relating to health (such as medical history) or criminal convictions and offences.
We may use your personal data, including the data collected via the Miles Tracker, for the following purposes:
Please note that we may rely on automated decision-making, including profiling, in order to assess whether we are able to insure you, to provide you with personalised insurance quotes and to calculate your premium. Such automated decision-making will be based on factors (such as for instance your credit score, the type of car driven and your address) that are relevant for us to determine the insurance risk.
We may share your personal data, including the data collected via the Miles Tracker, with the below categories of third parties:
You can rest assured that any such third party to whom we transfer your personal data will be under an obligation to protect the confidentiality and security of your personal data.
Some of the third parties (such as service providers) to whom we may transfer your personal data may be located outside of the European Economic Area.
In case we transfer any of your personal data to countries outside of the European Economic Area which do not provide an adequate level of protection according to applicable data protection legislation we will always ensure that appropriate safeguards to protect your data are in place. In this respect we may rely on standard data protection clauses adopted by the European Commission or the ICO. If you would like more information about these contracts, please contact us using the contact information stated above in section 1.
We will process your personal data in accordance with this Policy because it is necessary:
We also process your personal data on the basis of any consents provided by you, for instance i) in order to send you product offers, information about promotional events or other marketing in accordance with your communication preferences, and ii) in cases where personal data concerning health (such as your medical history) is being processed in order to provide you with a quote, manage your policy and provide our services, including to handle claims made in accordance with our policy.
We are committed to protecting the personal data collected, including the data collected via the Miles Tracker, and to keeping it safe and confidential. Accordingly, we limit access to the personal data to employees and certain third parties (see above) who reasonably need to process it in accordance with this Policy.
We will also ensure that appropriate technical and organisational physical, electronic, and procedural safeguards are implemented to protect the personal data collected against unauthorised or unlawful processing and against accidental loss, damage, destruction, alteration or disclosure.
The personal data we collect about you will only be stored for as long i) as it may be necessary for us to fulfil our contractual obligations (during and after the term of your insurance policy) in respect of the services and products requested by you, or ii) as required by applicable law. Any data kept longer will be anonymised.
You have the following rights in accordance with data protection legislation, however please note that some of the rights may only apply under certain circumstances:
To exercise any of these rights please write to us using the contact information stated above in section 1. In case you want to amend your personal data you can also do so via our website or mobile application.
From time to time we may change this Policy. Changes made to this Policy will be notified to you by email where appropriate. In case you do not accept the changes within the deadline stated in the email (which will be no less than 30 days) we may have to (and reserve the right to) terminate your insurance policy.BACK TO SITE