1. Who are we?
We may collect information from you about other people, for example, family members who may drive your car. If you give us information about another person it is your responsibility to ensure and confirm that:
2. What Personal Information do we collect and hold?
The following is a list of the types of data that we may collect and hold about you:
|Personal data type:||Details:|
|Individual||Name, address, email address, telephone numbers, gender, marital status, date of birth, occupation and employment status, property details, relationship to other drivers, claims information and driving license details (including licence number).|
|Payment||Bank account details and/or payment card details.|
|Risk||Information about you which we need to collect in order to assess your risk and provide an insurance quote. This may include data relating to criminal convictions, your health or other special categories of personal data.|
|Credit and anti-fraud||Credit history (including credit and identification score), CCJs, sanctions, claims experience (including details of previous claims), licence data from the DVLA, and information received from a range of anti-fraud databases.|
|Online activity||IP address and other online identifiers|
|Marketing preferences||Marketing preferences, information relating to competition, prize draw or other promotion entry, or responses to voluntary customer satisfaction surveys
To improve our marketing communications, we may collect information about interaction with, and responses to, our marketing communications
You will be the primary source of the information that we hold that forms part of your personal data, and this data would be provided to us via one or more of the following methods:
We might also collect your personal data from various third party sources, including:
3. How do we use Personal Information?
We use Personal Information for different purposes depending on our relationship with you.
The main purposes are to:
4. Are automated decisions made using Personal Information?
Sometimes, as part of our business operations, decisions about you are taken using automated computer software and systems. These decisions do not involve human input, and the software and systems apply pre-defined logic programming and criteria to make a decision and assess how we deal with you in connection with the provision of services.
5. Who is Personal Information shared with?
We will pass on your personal data to third parties. The following third parties will receive your personal data for the following purpose(s) as part of the processing activities:
|Insurance Companies||For the purposes of providing cover under the contract that you have created with us.|
|Credit Reference Agencies||For the purpose of obtaining credit history used to determine what products and services are made available to you.|
|Payment Processors / Lenders||For the purposes of processing card payments and direct debit payments.|
|Fraud Prevention and Sanction Checking Agencies||For the purposes of fulfilling our legal requirements|
|Auditing Agencies||For the purposes of auditing our financial statements and regulatory compliance.|
|Service Providers||For the purpose of providing assistance in the event of a claim|
Additional third parties may be provided with your personal data under the following circumstances:
6. Where do we process Personal Information?
Certain personal information held on our Information Technology systems may be transferred across geographical borders in accordance with applicable law.
By providing us with your information, you consent to the collection, international transfer, storage, and processing of your information. These transfers are governed by European Union (EU) standard contractual clauses or equivalent data transfer agreements to protect the security and confidentiality of personal information.
7. What is the legal justification for our use of Personal Information?
We only collect, use and store your information where either;
We may also collect, use and store special categories of personal data where there is exceptional public interest, including:
8. How long do we keep hold of Personal Information?
We will not keep your personal data longer than is necessary for the purpose for which it was provided unless we are required by law or have other legitimate reasons to keep it for longer (for example, if necessary for any legal proceedings).
We will normally keep data for no more than 7 years after termination or cancellation of a product, contract or service we provide. In certain cases, we will keep your information for longer, particularly where a product includes liability insurances or types of insurance for which a claim could potentially be made by you or a third party at a future date, even after your contract with us has ended.
9. What are my data protection rights as a data subject?
You have certain legal rights under UK data protection law and regulations, summarised as follows:
10. How can I withdraw my consent to the use of Personal Information?
Please let us know if your information changes as it is important that the information we hold about you is accurate and up to date.
You can ask us to update or correct your personal information or opt out of our use of your information by contacting us using any of the following methods:
|Telephone||01423 504 689|
|Address||4th Floor Clarendon House, Victoria Avenue, Harrogate HG1 1JD|
11. Who to contact about your Personal Information?
Our Data Protection Officer can be contacted directly by emailing [email protected], or by writing to The Data Protection Officer, NCI Insurance Services Limited, 4th Floor Clarendon House, Victoria Avenue, Harrogate, North Yorkshire, HG1 1JD.
Your right to complain
In the event that you wish to make a complaint about how your personal data is being processed by us, or how your complaint has been handled, you have the right to lodge a complaint directly with the supervisory authority. In the UK this is the Information Commissions Office (ICO).
We ask that you please attempt to resolve any issues with us before contacting the ICO.