Privacy Policy

PLEASE READ THESE CONDITIONS CAREFULLY. By accessing this Web Site You show Your agreement to such Conditions. If You do not accept Our Conditions, please do not use this Web Site.

Please read the Privacy Policy carefully.

Privacy Policy

We are committed to ensuring that Your privacy is protected. This policy explains how We will use the information collected about You and what security measures are in place to protect Your information.

What do We do with the information We collect from You?

When You ask for a quotation or buy an insurance product from Us, We need to know Your name, address and other relevant information. This enables Us to issue quotations and insurance and undertake policy administration for example, deal with a claim. This information is then used by Us, Our agents or Our contracted suppliers or subcontractors to communicate with You on any matter relating to Your insurance.

All personal information supplied by You will be treated in confidence by Us and will not be disclosed to any third parties except where your consent has been received or where permitted by law. In order to provide You with insurance products and services this information will be held in Our data systems or those of Our agents or subcontractors.

In order to assess the terms of the insurance contract or administer claims, which arise, We may need to collect data, which the Data Protection Act defines as sensitive (such as medical history or criminal convictions). If You proceed with an application for insurance You will signify Your consent to such information being processed by Our agents or Us.

Information You supply to Us may be used for the purposes of insurance administration by Us and by third parties that provide services to Us. It may be disclosed to regulatory bodies for the purposes of monitoring and/ or enforcing Our compliance with any regulatory rules /codes. Information You supply may be transferred to any Country, including countries outside the European Economic Area for any of these purposes and for systems administration – the data protection laws of these countries may not be as comprehensive as those in the UK. However, in all cases We shall endeavour to ensure that it is kept securely and only used for the purposes for which You provided it.

In assessing claims made, We may also check against publicly available information such as electoral roll, county court judgements, bankruptcy orders and repossessions.

Details of the companies and countries can be provided to You on request.

How to access data We store about You

On payment of a small fee you are entitled to receive a copy of the information We hold about You. If You have any questions, or would like to find out more about this subject access notice You can write to

Data Protection Liaison Officer
Customer Relations Office
Royal & SunAlliance
Bowling Mill
Dean Clough Industrial Park
Halifax
HX3 5WA

Or

Telephone 01422 325060

This policy applies to personal information We hold about individuals. It does not apply to information We hold about companies and other organisations.

Complaints/ cancellation rights and important policy information

Please read Your policy, policy summary and policy booklet carefully for further details. There may be time limits outlined in Your policy, policy summary and policy booklet that You will need to adhere to.

Please read them carefully.

Credit Searches and Accounting

For Our underwriting process, claims handling or any future invitation to renew, to prevent fraud, check Your identity and to maintain policy records, We may search files made available to Us by credit reference agencies who may keep a record of that search. We may also pass onto credit reference agencies information We may hold about You and Your payment record. The information will be used by other credit lenders for making credit decisions about You and the people with whom You are financially associated for fraud prevention, money-laundering prevention and for tracing debtors.

We may ask credit reference agencies to provide a credit scoring computation. Credit scoring uses a number of factors to work out risks involved in any application. A score is given to each factor and a total score obtained. Where automatic credit scoring computations are used by Us, acceptance or rejection of Your application will depend only on the results of the credit scoring process.

Continuous Renewal Payment Authority – Credit / Debit cards

You will be notified in writing prior to renewal and, unless We hear otherwise, the policy will be renewed automatically. Unless You have advised otherwise, the renewal premiums will again be collected from Your specified bank account, to help ensure that You are always covered.

We reserve the right to cancel a policy of insurance for non-payment of premium.

Technical Information

“Cookies”

When you visit Our site, We may attach a “Cookie” to your browser. Cookies are small text files that allow us to identify Your computer, recognise repeat users, observe anonymous user behaviour and compile aggregate data about users in order to improve the service We provide. In some cases We use a reputable third party adserving company for these purposes.

Most web browsers will accept Cookies, but if You prefer we did not collect data by this method, You can disable this function within Your browser settings. However, without Cookies You may not be able to use the full functionality of Our Web Site, including personalisation of the web content to reflect Your personal usage.

How We protect Your information

To ensure the security of the personal information You enter, such as names and addresses and banking details, encryption is used where necessary using the industry-standard Secure Sockets Layer (SSL) technology. This will be indicated by a lock in the status bar at the bottom of the screen in most browsers.

Firewalls are used to block unauthorised traffic to the servers and the actual servers are locked in a secure location which can only be accessed by authorised personnel.

Your consent

By submitting Your information within this part of the Web Site, You consent to the use of that information as set out in this Privacy Policy. If We change our Privacy Policy We will post the changes on this page and may place notices on other pages of the Web Site so that You are aware of how We use Your information at all times. Continued use of this Web Site will signify that You agree to such changes. We recommend that each time You visit this Web Site, that You should carefully read and understand the privacy policy and conditions of use, which collectively form the Conditions.

The Internet is a global medium and your information may therefore be transferred outside the European Economic area en route. By submitting your information, You consent to any such transfer.

Fraud Prevention & Detection

In order to prevent and detect fraud We may at any time;

• Share information about You with other organisations and public bodies including the Police.
• Undertake credit searches and additional fraud searches.
• Check and/ or file Your details with fraud prevention agencies and databases, and if You give Us false information or inaccurate information and We suspect fraud, we will record this.

We can supply on request further details of the databases We access or contribute to. We and other organisations may also search these agencies and databases to:

• Help make decisions about the provision and administration of insurance, credit and related services for You and members of Your household.
• Trace debtors or beneficiaries, recover debt, prevent fraud and to manage Your accounts or insurance policies.
• Check Your identity to prevent money laundering, unless You furnish Us with other satisfactory proof of identity.

Claims History

Insurers like Us, pass information to the Claims and Underwriting Exchange Register, run by Insurance Database Services Ltd. (IDS Ltd.) and the Motor Insurance Anti-Fraud and Theft Register, run by the Association of British Insurers (ABI).

Under the conditions of Your policy You must tell Us about any insurance related incidents (such as accident, fire, theft or malicious damage) whether or not they give rise to a claim.

When You tell us about an incident will pass information relating to the registers.

We may search these databases when You apply for insurance, in the event of any incident or claim, or at time of renewal to validate Your claims history or that of any person or property likely to be involved in the policy or claim.

Motor Insurance Database

When you have taken about a motor insurance policy with Us, Your policy details will be added to the Motor Insurance database (MID), operated by the Motor Insurers Information Centre (MIIC). MID data may be used by the DVLA and DVLNI for the purpose of Electronic Vehicle Licensing and by the Police for the purpose of establishing whether a driver’s use of the vehicle is likely to be covered by a motor insurance policy and/ or for preventing and detecting crime. If You are involved in an accident (in the UK or abroad), other UK insurers, the Motor Insurers’ Bureau and MIIC may search the MID to ascertain relevant policy information.

Persons with a valid claim in respect of a road traffic accident (including citizens of other countries) may also obtain relevant information which is held on the MID.

You may find out more about this from Us on request, or at www.miic.org.uk.

YOU SHOULD SHOW THIS INFORMATION TO ANYONE INSURED TO DRIVE THE VEHICLE COVERED UNDER THE MOTOR POLICY.

Corporate details for Royal & Sun Alliance Insurance Plc

Royal & Sun Alliance Insurance plc, Registered in England & Wales (No. 93792). Registered Office at St. Mark’s Court, Chart Way, Horsham, West Sussex RH12 1XL. Royal & Sun Alliance Insurance plc is authorised and regulated by the Financial Services Authority (Registration no. 202323) and is part of the Royal & Sun Alliance Group of companies.