How we receive and process your information.
We may receive information about you from any of the following sources:
- Directly from you or from someone you have authorised to incept a policy on your behalf or a price comparison website or other website to whom you have submitted your details for a quote.
- When you or your representative obtains a quote, incepts, renews or amends a policy or makes a claim. This information may consist of the following personal information:
- your name, contact details (including home address, telephone number and e-mail address) and date of birth;
- all other personal information that is provided to us when completing an application for a quote for any policy, including (as necessary) any sensitive information (e.g. information about to your health and/or previous convictions or policy voidances etc.);
- details of all previous quotes for policies requested from us;
- details of all policies held with us including dates of purchase, lapse and cancellation;
- details of claims on policies held with us;
- your payment history relating to policies held with us; and
- the length of time you have been a customer with us.
- From third parties such as credit reference or debt collection agencies (e.g.to confirm your personal data) and;
- From insurers, witnesses, third parties and solicitors (e.g. details relating to an incident that is the cause of a claim).
Collecting this information is necessary for the purposes of quoting, incepting and renewing a policy and also for offering or conducting our consultancy and advocacy services in relation to a voided or cancelled insurance policy.
We will retain this information as required and directed by the Financial Conduct Authority (FCA) and in line with British Insurance Brokers Association guidance to support our ability to manage your policy, provide you with consultancy and advocacy services, respond to complaints, demonstrate compliance with FCA rules and to support our ability to defend against legal claims.
What we use your information for.
Your personal information may be used by Policy Assist Ltd. as is necessary for the following purposes:
- in the offer or provision of consultancy or advocacy services in relation to a voided or cancelled insurance policy;
- to assess your application for an insurance quote;
- to submit your application to any insurer or our panel of insurers to enable them to provide you with a quote or multiple quotes as applicable;
- to assess your financial standing;
- to confirm your identity;
- to prevent fraud;
- to verify the information provided;
- to administer and maintain your policies;
- to assist you with claims and enquiries;
- to maintain your insurance records with insurers;
- to tell you about other insurance and related products and offers from Policy Assist and selected third parties (subject to your consent, as required – please see below); carry out market research, statistical analysis and customer profiling*; and
- to facilitate our quality and compliance monitoring.
We may also share your information with law enforcement bodies, reinsurers and regulators such as the FCA, as required or permitted by law. In addition, in the event of a merger, acquisition, or any form of sale of some or all of our assets, to a third party, we may also disclose your personal information to the third parties concerned or their professional advisors.
Policy Assist Ltd. may contact you by email or telephone for our legitimate marketing purposes in order to inform you of your renewal dates, to renew your policy and to let you know about other products and services. With your consent (as necessary), we may from time to time contact you by SMS or email with details of other products and services.
If you would like to opt-out of receiving marketing correspondence of any kind, you can let us know at any time by writing to us, by calling us on 0203 004 8585. We do not sell or pass on your details to any third parties for the purpose of marketing their own products or services.
Fraud detection & prevention.
It is important that the information you provide to us is accurate as incorrect information could affect the validity of your policy and the ability to make a claim. We or our insurers may cancel your insurance policy if we believe fraudulent details have been provided. In order to prevent or detect fraud we or our insurers may check your details with various fraud prevention agencies and anti-fraud registers, who may record a search. Searches may also be made against other insurers’ databases. These checks include processing conducted automatically by computers and may affect pricing or our ability to quote for insurance.
Insurers pass information to the Claims Underwriting Exchange register, run by Insurance Database Services Ltd (IDS Ltd). The aim is to help us or our insurers check information provided and also to prevent fraudulent claims. We may at any time search the register including when we deal with your request for insurance or for consultancy and advocacy services.
If fraud is suspected, information may be shared with those insurers and fraud prevention agencies. We and our insurers search these registers when dealing with a new request for insurance, at renewal or in the event of an incident or claim. Under the conditions of your policy, you must tell us and your insurers about any incident (such as an accident or theft) which may or may not give rise to a claim. All telephone calls relating to applications and claims may be monitored and recorded and the recordings used for fraud prevention and detection, training and quality control purposes. Other users of the fraud prevention agencies such as law enforcement agencies, may use this information in their own decision making processes.
We and our insurers may also share your information with law enforcement agencies, other organisations and public bodies where we reasonably believe it is necessary for the prevention and detection of fraud, crime or where required to do so under a court order.
If your application for insurance has been declined and you believe this to be incorrect please explain why to a member of staff who will review the circumstances.
Credit Reference Checks
Our insurers will conduct credit reference checks at one or more of the UK’s credit reference agencies (“CRAs”) in certain circumstances. In all cases these checks will be carried out to confirm identity, help prevent fraud and calculate premiums. This is a soft search which is only visible to you (if you request a copy of your credit file at the credit reference agencies) and is not visible to other organisations. This type of credit reference check will not affect your credit file. The search will be visible on your credit report but it won’t affect your credit rating as it’s not an application for credit. The CRAs may add the details of our insurers’ searches and information that we and our insurers hold about you to their records relating to you.
In a small number of cases, including in order to obtain premiums from certain insurers, a fuller credit reference check (which is called a ‘quotation search’) may need to be conducted with the CRAs. If this is the case you will be informed. Our insurers will only conduct that type of search only with your explicit consent. This type of search will leave a footprint on your credit file which is visible to other lenders and companies unrelated to us (for example, other CRA customers). This type of search and the information about you may be used and disclosed by the CRAs to other lenders and companies to enable them to trace your whereabouts, recover debts that you owe and to verify your identity.
The Information Commissioners Office has provided guidance on how Credit Reference Agency checks work and how long information is retained for https://ico.org.uk/media/for-the-public/documents/1282/credit-explained-dp-guidance.pdf
Records remain on file at the CRAs for 6 years after they are closed, whether settled by you or defaulted. CRAs may use this information for the purpose of statistical analysis about credit ratings. If you tell us that you have a spouse or financial associate with whom you have a personal relationship that creates a financial association* in a similar way to a married couple (for example if you have been living at the same address at the same time), our insurers may:
i) search, link and/or record information at CRAs about you both,
ii) link any individual identified as your financial associate, in our own records,
iii) take both your and their information into account in future applications by either or both of you, and
iv) continue this linking until one of you notifies us that you are no longer linked.
* An association shows that you have a financial connection with someone else. This can be created by joint judgments, joint accounts, joint credit applications, or from information you have previously provided to Credit Reference Agencies through quotations and applications for credit.
When CRAs receive a search from us they will link together your records and records about your spouse or financial associate. Links will remain on your credit file and theirs until such time as you or they successfully files for a disassociation with the CRAs. If your circumstances change and you believe you are no longer financially linked with another person you should contact the CRAs about this.
Contacting Credit reference Agencies
You can contact the CRAs currently operating in the UK (CallCredit, Equifax and Experian) to find out what information they hold about you. The information they hold may not be the same so you may wish to contact more than one. Their details are below. They are entitled charge you a small statutory fee.
CallCredit, 0330 024 7574 or log on to http://www.callcredit.co.uk.
Equifax, Equifax Ltd Customer Service Centre, PO Box 10036, Leicester , LE3 4FS, 0333 3214043or log on to http://www.equifax.co.uk.
Experian, Consumer Help Service, PO Box 8000, Nottingham NG80 7WF or call 0344 481 0800 or log on to www.experian.co.uk.
Both types of credit checks as described above may be completed when obtaining a quote for you, whenever you change or renew the policy, to offer payment options and to calculate premiums.
Disclosing other peoples information to us.
You should show this notice to anyone whose personal information you provide to Policy Assist Ltd. You must ensure that any such information you supply relating to anyone else is accurate and that you have obtained their consent to the use of their data for the purposes set out above. Where you authorise a third party to deal with us on your behalf, it is our standard practice to speak to either of you, regarding the policy, after completing relevant identity checks.
Your rights and access to your information.
Under the Data Protection Act 1998 you have the right to access or obtain copies of the personal information held about you by us. Should you wish to exercise this right, please make a written request to
Policy Assist Ltd.
Rhymney River Bridge Road,
A response to your request will be provided to you within 40 days of us receiving a valid request.
You have the right to request that we correct any inaccuracies in the personal information held about you. Please contact us on 0203 004 8585 if your personal information needs updating.
You have a right to submit a complaint to the Information Commissioner if you believe we have not complied with our obligations under the Data Protection Act. https://ico.org.uk/global/contact-us/
International data transfers.
From time to time we may need to process some of your information using third parties located in countries outside of the European Economic Area (EEA). If your information is processed outside of the EEA, we will take all necessary steps to ensure it is adequately protected. This includes ensuring there is an agreement in place with the third parties which provides the same level of protection as required by the data protection regulations in the UK and EEA.