Data Protection – Privacy Notice
We recognise our responsibility to treat your personal information with care and to comply with all relevant legislation, in particular the Data Protection Act 2018 and the EU General Data Protection Regulation (GDPR) – the “legislation”.This notice covers our requirement to provide you with information on how and why we use your personal data and of your rights under the legislation.
We have provided you with a quotation and/or administer your insurance policy and are classed as the “data controller” which means we process your data. The contact details are shown at the foot of this notice.Your data may be passed to other parties, including Insurers, for the purposes of arranging your insurance. These parties could also be data controllers and where necessary will issue their own Data Protection Privacy Notices.
We will use personal information about you mainly to provide you with a quotation from Insurers, arrange and administer your policy if you buy one through us, arrange Premium Finance/Consumer credit if required, inform you about our other products and services and statistical analysis.
Some of the personal information we ask you to provide may be sensitive (special category) as defined in the legislation such as information about your medical history. We can collect such information for insurance purposes without your specific consent but it will only be used for the purposes set out above.If you give us information about another person, in doing so you confirm that they have given you permission to provide it to us and that we may use their personal data in the same way as your own as set out in this notice.
Legal Basis for processing your Personal Information
We are required to have a lawful basis (as defined) in order to process your personal data and the relevant bases which we use are show in the table below.
|Purpose of processing||Lawful Basis|
|Providing quotations; arranging and administering insurance policies||Necessary for the performance of an insurance contract|
|Arranging Premium Finance/ Consumer Credit||Necessary for the performance of a consumer credit contract|
|Provision of information on products and services (Marketing)||Our legitimate interests or your explicit consent|
|To notify you of changes in our service||Our Legal and Regulatory obligations|
|To prevent and detect fraud, money laundering and other financial crimes||Our Legal and Regulatory obligations|
|To meet general legal or regulatory obligations||Our Legal and Regulatory obligations|
|Statistical analysis||Our legitimate interests to refine and enhance the products and pricing which we can offer|
We may contact you by email, text, telephone, mail or other agreed means to keep you up to date about our products and services.The legislation allows us to do this in our own commercial interests for certain communications with previous customers. In other circumstances we can only do so with your explicit consent. In all cases you can opt out from receiving such communications at any time.
Disclosure of your Personal Information
As a necessary part of providing you with the services described above we may need to disclose your personal data to other third parties. These may include:-
Premium Finance companies, Computer bureaux/Software Houses, Insurers, Other Insurance Intermediaries, Insurance Industry databases, Government databases, Credit agencies, Regulatory authorities, the Police and other law enforcement bodies.
Fraud prevention and detection
To prevent and detect fraud we may at any time:-
1. Share information about you with other organisations and public bodies including the Police.
2. Check and/or file your details with fraud prevention agencies and databases.
3. Undertake credit searches and additional fraud searches
We can supply on request further details of the databases which we use.
Credit Search Consent
To make sure you get the best price and terms for your Insurance, we will use the widest possible range of Insurers available to us including some who now carry out searches of their own to protect customers from fraud and to verify identity. They do this using publicly available data which they obtain from a variety of sources, including a credit reference agency and other external organisations to whom they may need to pass some of your personal information. Their search will appear on your credit report whether or not you take out or renew a policy with them.
As well as these searches, some Insurers may use a credit check to ascertain the most appropriate payment options for you. This credit check will also appear on your credit report whether or not you take out or renew a policy with them.
Automated decision making and Profiling (if relevant)
For our on-line systems we carry out automated decision making to decide whether we can provide insurance to you and at what price.For all our quotation systems we may use external data from Credit agencies, Electoral Roll, etc. to help in decision-making on pricing and risk acceptance. This may be regarded as “profiling” as defined in the legislation.The legislation for both of these requires safeguards in the event that they have a legal or similarly significant effect on individuals. We do not consider that our processing poses such risks but you have rights to further information on these processes as explained below.
Your data will not be retained for longer than is necessary and will be managed in accordance with our data retention policy. In most cases the period will be for a maximum of 7 years following the expiry of an insurance contract unless we are required to retain the data for a longer period due to business, legal or regulatory requirements.
You have the following rights in relation to our processing of your personal data:-
- The right to be informed about how we use your personal data (This Privacy Notice)
- The right to see a copy of the personal information we hold about you. (In most cases this will be free of charge)
- The right to have personal information rectified if inaccurate or incomplete.
- The right of erasure of your personal information where there is no compelling reason for its continued processing.
- The right to restrict processing in certain circumstances, e.g. if its accuracy is being contested.
- The right to data portability which, subject to certain conditions, allows you to obtain and reuse your personal data across different services.
- The right to object to certain processing including for the purposes of direct marketing.
- Rights to information in relation to automated decision making and profiling.
We have a data protection officer who supervises how we use personal information. You can contact our data protection officer about privacy related issues by:
- Sending an email to email@example.com
- Writing to the: Data Protection Officer, Markel International, 20 Fenchurch St, London, EC3M 3AZ.
The cookie files help us track the items you choose in the application form, enable us to complete the payment procedure and also help us improve the site so it is easier for you to use.
Cookies We Use
Session Cookie-This cookie allows our web servers to respond to your actions on the website such as remembering options selected in the quote form or browsing the website. The website wouldn’t work for you without it.
_utma, _utmz – These cookies enable the function of Google Analytics. This software helps us take and analyse visitor information such as browser usage, new visitor numbers, response to marketing activity and shopping times. That information helps us to improve the website and your shopping experience, and to make our marketing campaigns relevant.
The data stored by these cookies can be seen only by the relevant teams at Caunce O’Hara and Google and never shows any confidential information.
You can enable or disable cookies by changing your web browser settings. You can find more information on how to do this for the most popular browsers below.
Please note that if you don’t allow cookies from our site, certain portions of the site won’t be accessible and you won’t be able to fill in the application form or purchase any policy from our website.
Identify which internet browser you use
To find out which web browser you are using:
On a Windows PC: go to ‘Help’ and select the ‘About’ option
On a Mac : click on the Apple menu within the browser and select the ‘About’ option
Checking Cookies on an Windows PC
Microsoft Internet Explorer Versions 6,7 & 8
Click ‘Tools’ at the top of your browser window, then select ‘Internet options’. Click on the ‘Privacy’ tab
Set the Privacy level to Medium or below to enable cookies
Click ‘Tools’ and select Options
Click the Privacy icon
Click on Cookies and select ‘allow sites to set cookies’
Click ‘Tools’ and select Options
Click ‘Under the Hood’ and select ‘Content settings’ within the ‘Privacy’ section
Select ‘Allow local data to be set’
Checking Cookies on an Apple computer
Safari on OSX
Click ‘Safari’ and select ‘Preferences’
Click ‘Security’ then ‘Accept cookies’
Mozilla and Netscape on OSX
Click on ‘Mozilla’ or ‘Netscape’ and select ‘Preferences’
Find ‘Cookies’ under ‘Privacy & Security’
Select ‘Enable cookies for the originating web site only’
Microsoft Internet Explorer on OSX
Click ‘Explorer’ and select ‘Preferences’
Find ‘Cookies’ under ‘Receiving Files’
Select ‘Never Ask’
Click ‘Menu’ and select ‘Settings’
Select ‘Preferences’ and then ‘Advanced’
Select ‘Accept cookies’
You can find more information about cookies at the following website: http://www.aboutcookies.org/