Privacy statement
How we use your information
Once we have accepted your application for insurance and collected your premium, we will pass your details onto the insurer or another regulated insurance intermediary who is involved in the underwriting your insurance policy.Once we have accepted your application for insurance and collected your premium, we will pass your details onto the insurer or another regulated insurance intermediary who is involved in the underwriting your insurance policy.
Your information will also be held by on our insurance processing platform by a third-party software provider. Your information is held in their secure data centre.
Your information will be used for:
Underwriting
Claims handling
Financial risk assessment
Money laundering checks
Compliance and regulatory reporting
Statistical analysis
In certain circumstances we may also disclose your information:
If we have your permission; or
If we are required to or permitted to do so by law; or
When we are using other companies to provide services to us or you
Where we may transfer rights and obligations
Information we collect when you purchase insurance
When purchasing insurance through our website, we will ask you for the following information. The table below explains why we need this information:
| Information | Reason |
|---|---|
Who you are and where you live | So we know who the policyholder is and can verify your identity |
Telephone number and email address | So we can contact you if we need further information or we need to tell you about a change to your policy |
Details about your risk | So we know what we are insuring and how to calculate your premium |
Payment details | So we can obtain payment for your insurance policy |
How we use your information when you make a claim
We will ask you for additional information when you make a claim to assess your claim in line with the policy wording.
Once your claim has been approved, your information may be sent to third party companies to assist in the fulfilment of your claim. We will only send them the information necessary to process your claim.
Sensitive information
Some of the personal information, such as information relating to health or criminal convictions, may be required by the Insurer and Specialty Risks Limited for the specific purposes of underwriting or as part of the claims handling process. The provision of such data is conditional for them to be able to provide insurance or manage a claim. Such data will only be used for the specific purposes set out in this notice.
Disclosure of your personal data
The Insurer and Specialty Risks Limited disclose your personal data to third parties involved in providing products or services to them, or to service providers who perform services on their behalf. These include our group companies, affinity partners, brokers, agents, third party administrators, reinsurers, other insurance intermediaries, insurance reference bureaus, credit agencies, medical service providers, fraud detection agencies, loss adjusters, external law firms, external accountants and auditors, regulatory authorities, and as may be required by law.
International transfers of data
The Insurer and Specialty Risks Limited may transfer your personal data to destinations outside the European Economic Area (“EEA”). Where they transfer your personal data outside of the EEA, they will ensure that it is treated securely and in accordance with the Legislation.
How we don't use your information
We will not use any of the information you give to us for anything other than processing and management of insurance.
We will not send your information to another person or organisation who is not involved in the management of insurance or the fulfilment of your claim.
We will not contact you about any other products or services.
We will not give your information to a third party to contact you about any other products or services.
Contacting us by telephone
If you contact us by telephone, we may monitor or record the calls. We do this for quality control and training purposes and to verify information you have supplied to us when taking out a policy, amending your policy or making a claim.
Your rights
You have the right to ask the Insurer and Specialty Risks Limited not to process your data for marketing purposes, to see a copy of the personal information they hold about you, to have your data deleted (subject to certain exemptions), to have any inaccurate or misleading data corrected or deleted, to restrict the processing of your data, to ask them to provide a copy of your data to any controller and to lodge a complaint with the local data protection authority.
Retention
Your data will not be retained for longer than is necessary, and will be managed in accordance with the Insurer’s and Specialty Risks Limited’s data retention policies. In most cases the retention period will be for a period of seven (7) years following the expiry of the insurance contract, or their business relationship with you, unless they are required to retain the data for a longer period due to business, legal or regulatory requirements.
If You have any questions concerning our use of your personal data, please contact the relevant Data Protection Officer – please see websites for full address details.
Changes to how we use your information
This privacy notice may change from time to time and you should review it regularly.