The privacy and security of your information is important to us. This notice explains who we are, the types of information we hold, how we use it, who we share it with and how long we keep it. It also informs you of certain rights you have regarding your personal information under current data protection law. We will update this notice as required and at least annually (every December). Therefore, we suggest you visit this notice every December to keep yourself informed. The terms used in this Fair Processing Notice are based on the Information Commissioner’s Office. You can find out more about the ICO here: https://ico.org.uk/.
In this privacy notice we at Express Insurance Services, a trading name of Carole Nash Insurance Consultants Ltd, an insurance broker based at Trafalgar House, 110 Manchester Road, Altrincham, Cheshire, WA14 1NU will explain how we collect and use your
personal information. We are part of the Ardonagh group who have a direct holding in our business, for more information about the group, please visit http://www.ardonagh.com/
Please read this notice carefully as it explains how we as your broker, and our panel of insurers collect and use your personal information.
In order for us to provide our services to you it is necessary that we collect certain information from you to provide a quote for a new policy or to renew your cover, or to administer your insurance policy. Usually this will be provided to us from you
or someone connected to you, and we will make checks with credit reference agencies to verify your identity, and also run your information against the Claims and Underwriting Exchange to ensure we have the full details of your or any named rider/driver
claims history. If you have obtained a quote with us via a price comparison site this information is shared with us to provide our service to you.
Generally the information will include the details that are necessary for us to provide you with a quote or for you to buy a policy:
Where we ask you for information about other people, such as additional riders or drivers, you must ensure that you have their consent to give us their details.
We collect the information above in order to provide you with an insurance quote and/or an insurance policy. It is necessary in order to assess your application, verify your identity and arrange your insurance policy. The information may be used for the
prevention and detection of financial crime. We will also use the information you provide to analyse your shopping habits and, if you buy a policy, how you use the benefits. This will help us to continue to design and offer products & services
that meet our customers’ needs.
We will use call recording and the details you have given to facilitate compliance and quality monitoring.
In order that we can provide you with a quotation at new business and renewal stage we may use the information you have provided to us for analysis and profiling and to support our pricing strategy, which may involve an automated decision. If you object to an automated decision being made please contact us and we will review your details.
We and the insurers on our panel may collect data about you from credit reference agencies to confirm your identity, assess your risk profile and offer you appropriate products. The search conducted will not impact your credit score and can only be seen by you, us and the credit reference agency.
We would like to inform you of our future offers and similar products that may be of interest to you. Where you have said it’s ok, we will share your information with other members of the Ardonagh Group who also offer insurance products and services, you can unsubscribe at any time via phone, in writing (see the address at the bottom of this notice) or by email.
We and your insurer may share your personal information with:
Business partners who help us to provide a service to you on our behalf;
Other companies within the Ardonagh Group. This includes our sister companies Atlanta1 and Swinton and their respective sub-contractors with whom we may share data for the administration of your policy and to process discounts on quotes where we are able to identify positive risk profiles;
Other insurance companies, reinsurers, legal advisors, loss adjusters, claims handlers and/or other organisations In order to administer any claim you may make;
Organisations where we have a duty to or are permitted to disclose your personal information by law (for example if we receive a valid request from the Police in the interest of preventing and detecting crime);
The Motor Insurance Bureau, that records information of all motor insurance policies for law enforcement purposes
Fraud prevention Agencies available to the insurance industry to check information and prevent financial crime;
Credit reference agencies to check your credit history. This check will be recorded on your credit reference file without affecting the ability to apply for credit or other financial products; we will never make a search that leaves a record on your credit history without informing you first.
We may use firms involved in financial management regarding payment.
Our premium finance provider. If you have chosen to pay by instalments your details will be passed to the lender who will arrange the credit agreement.
We may also share your data with other companies who carry out market research on our behalf and who may contact you for the purpose of obtaining feedback on the products and services we offer.
We will keep your information only for as long as is reasonably necessary for the purposes set out in the privacy notice and to fulfil our legal obligations:
Further details on the information we hold about you and how long we hold it for can be obtained from the Data Protection Officer at Trafalgar House, 110 Manchester Road, Altrincham, Cheshire, WA14 1NU.
We follow strict security procedures in the storage and disclosure of your personal information in line with industry practices, including storage in electronic and paper formats.
We store all the information that you provide to us, including information provided via forms you may complete on our websites, and information which we may collect from your browsing (such as clicks and page views on our websites).
Any new information you provide us may be used to update an existing record we hold for you.
Where we pass information to service providers such as your insurers, some may process this information overseas in countries such as the United States. Where this happens appropriate measures will be in place to ensure that it is only used to administer your insurance policy and is kept secure at all times.
There are a number of rights that you have under data protection law. Commonly exercised rights are:
Further details of your rights can be obtained by visiting the ICO website at https://ico.org.uk/your-data-matters/.
If you are unhappy about the way we have handled your data or upheld your rights, you can complain to the Information Commissioner’s Office (ICO) at any time.
The Information Commissioner’s Office (ICO) Wycliffe House, Water Lane, Wilmslow, SK9 5AF.
You can contact our Data Protection Officer for more details about any of the information contained in the notice by writing to us at:
The Data Protection Officer
Express Insurance Services
110 Manchester Road