What personal information do we collect?
Incorporated Insurance Group Limited will determine the purpose and means of processing of the personal data you provide to us.
Policyholders – We collect personal data about you via your Broker, which includes your name, address and contact information, as well as details of what it is you want to arrange insurance for. In order to quote on certain types of insurance we will need to collect sensitive personal information about you, which can include such things as criminal convictions and company credit scoring.
If there are other people who will be named on the insurance policy, or who will be a beneficiary of the insurance, we may need to collect similar personal information about them too. Before you tell us personal details about another person, you will need to make sure that you have their permission to give us their information and that they understand how we will use it.
Brokers – We will collect personal data only in relation to your employment which includes name, position, contact number and works email. In order to make you aware of our products and services these details will be stored on our systems and used in communication between our two companies. Our email marketing and be stopped by simply marking ‘Unsubscribe’ at the bottom of our email.
Why we need it
We need to collect personal information in order communicate with you or to obtain insurance quotations that you have asked us for and, if you accept our quotation, to enable us to arrange and subsequently administer the contract of insurance. If you make a claim against your insurance contract, we will need your personal information to process this for you. We will not collect any personal data that we do not need in order to provide our underwriting services to you via your Broker.
What we do with it
All of the personal data we collect is processed by our staff in the UK. However, for the purposes of IT hosting and maintenance, this information is located on servers within the UK. Information you give to us will be treated as confidential and will not be disclosed other than to insurers, or other specialist or wholesale insurance markets we may use to place your insurance, and in the normal course of arranging and administering your insurance. In the event of a claim, we may need to provide your personal details to a loss adjuster, or other third party who is involved in providing a service in the settlement of your claim.
Information we hold may be used for research or statistical purposes, but this would be on an anonymised basis so that you could not be personally identified.
We will not give anyone else your personal information except on your instructions or authority, or where we are required to by law, or due to our regulatory requirements.
How long we keep it
If you take out a policy with Incorporated Insurance Group Limited, the contracts we have with insurers require us to keep your personal data for a minimum of seven years after your policy lapses, after which time it will be destroyed or deleted from our systems. If there is no contractual requirement to retain your personal data we will also destroy or delete it after 7 years to comply with regulatory reporting requirements.
If you have given us your consent to use your information for other purposes, we will keep this data until you notify us that you no longer wish us to use it for the purpose (see below for more information about what this purpose might be).
What we would also like to do
If your Broker has contacted us for a quotation and decided not to take it up and your cover lapses, we would like to contact your Broker at the appropriate time in the future to offer a free, no obligation re-quote.
We will never share with or sell your information to a third party.
Cookies are text files placed on your computer to collect standard internet log information and visitor behaviour information. This information is used to track visitor use of the website and to compile statistical reports on website activity. For further information visit http://www.allaboutcookies.org.
What are your rights?
If at any point you believe the information we process on you is incorrect you can ask us via your Broker to update or correct it. You can also ask to see the information that we hold or ask that it be deleted and/or withdraw your consent at any time. Please be aware however that deleting your information and/or withdrawing your consent will affect our ability to administer your insurance or assist you with a claim or complaint. If this is the case, we will make you aware of the consequences of processing your request so that you can make a fully informed decision. Withdrawal of your consent will not affect the lawfulness of any processing that took place before your consent was withdrawn.
If you wish to raise a complaint on how we have handled your personal data you can contact our Head of Operations who will investigate the matter. If you are not satisfied with our response or believe we are not processing your personal data in accordance with the law you can complain to the Information Commissioners Office (ICO) by calling their helpline on 0303 123 1113.
Find out more
If you have a question, please get in touch. Our Head of Operations is Lyndsey Thompson and you can contact her on 0333 577 0477 or email Lyndsey.firstname.lastname@example.org