As an insurance intermediary, we need to collect personal information for a variety of reasons.
We need contact details (name, address, telephone numbers, email addresses) to communicate with you about your insurance requirements.
We will collect information about you, your assets and potential liabilities to assess your insurance requirements, to approach providers for quotations, to put insurance policies in force and for the ongoing servicing of those policies.
Where appropriate, we may need to collect details to process payments from or to you such as bank account or payment card information.
In the event of a claim we may be required to obtain further personal information so that the matter can be properly considered. This could include information about other parties involved in an incident.
Data protection legislation includes that we are only allowed to collect or use your personal information if the reason to do so meets certain conditions. The exact reason will vary depending on the specific circumstances. The legal bases that we rely on are:
- For the performance of a contract: Our agreement with you to arrange insurance policies means that we must continue to use personal information. This would include obtaining renewal terms, making changes to your policy, submitting claims or handling any premium adjustments or claims payments.
- Insurance: The Regulations make special provision for the processing of certain ‘special category data’, such as health or criminal conviction data, if the processing is necessary for an insurance purpose.
- To meet a legal obligation: We are required to perform certain checks on customers, such as to confirm their identity or ensure there are no reasons why we should not do business with them. We may also be obliged to provide information to a court or regulatory body.
- Legitimate interests: The law allows us to hold or use personal information if we have a legitimate reason to do so. For example, having arranged your insurance, we will keep records in case any claim or potential dispute arises in the future so that we can establish the circumstances and, where appropriate, defend our position. Also, we may use your contact details to promote our services. Where we rely on this basis, we will balance our interests with your own rights under data protection laws. For example, we will maintain a policy so that we do not keep information longer that is reasonable.
- Consent: If no other legal basis applies, we may rely on your consent to use your personal data, for example to send marketing materials to prospective customers.