Using your personal information
We use your personal information to manage your insurance policy and to help us prevent and detect fraudulent applications and claims.
Fraud prevention and detection
In order to protect the interests of our policyholders and to prevent and detect fraud we may at any time:
- share information about you with the Police, other insurance companies and government agencies such as the DVLA, DWP and HMRC;
- check and/or file your details with fraud prevention agencies and databases; and
- undertake credit searches and other searches to verify your details.
If you provide false or inaccurate information and fraud is identified, details will be passed to fraud prevention agencies and databases to prevent fraud and money laundering. The police and other law enforcement agencies may access and use this information.
We may also access and use this information to help prevent fraud and money laundering, for example, when:
- checking details on applications for credit facilities;
- managing credit accounts or facilities;
- recovering debt; and
- checking details on proposals and claims for all types of insurance;checking details of job applicants and employees.
Fraud prevention agencies
We may check and/or file your details with the following fraud prevention agencies and databases:
- CIFAS fraud prevention services
- Claims and Underwriting Exchange
- Health Insurance Counter Fraud Group
- Hunter database from Experian
- Insurance Fraud Bureau
- Insurance Fraud Investigators Group
- Motor Insurers' Anti Fraud and Theft Register
- HM Treasury Terrorist Sanctions List through Experian
Claims history
Under the conditions of the policy you must advise us about any insurance related incidents whether or not they give rise to a claim.
When you advise us about an incident the information will be passed to claims databases including the Claims and Underwriting Exchange register. Other insurance companies pass information to the Claims and Underwriting Exchange register with the aim of checking information provided and preventing fraudulent claims.
We may search this register as well as other databases:
- when you apply for insurance;
- in the event of any accident or claim; or
- at time of renewal.
We do this to validate your claims history and to check the claims history of any other people or property likely to be involved in the policy or claim.
Motor Insurance Database (motor policies only)
Information relating to your insurance policy will be added to the Motor Insurance
Database ("MID") managed by the Motor Insurers' Bureau ("MIB"). MID and the data stored on it may be used by certain statutory and/or authorised bodies including the Police, the DVLA, the DVANI, the Insurance Fraud Bureau and other bodies permitted by law for purposes not limited to but including:
- electronic licensing;
- continuous insurance enforcement;
- law enforcement (prevention, detection, apprehension and or prosecution ofoffenders);
- the provision of government services and or other services aimed at reducing;
- the level and incidence of uninsured driving.
If you are involved in a road traffic accident (either in the UK, the EEA or certain other territories), insurers and or the MIB may search the MID to obtain relevant information. Persons (including his or her appointed representatives) pursuing a claim in respect of a road traffic accident (including citizens of other countries) may also obtain relevant information which is held on the MID.
It is vital that the MID holds your correct registration number. If it is incorrectly shown on the MID you are at risk of having your vehicle seized by the Police. You can check that your correct registration number details are shown on the MID at www.askmid.com
International aspects
We may access and use the information recorded by fraud prevention agencies in other countries, but we will only do this where it is relevant to your credit or insurance application or claim. For example, where information may be obtained from offshore subsidiaries of UK based insurance companies or where you are claiming under a policy provided by us for travel abroad.
We also use the services of re-insurance companies based outside Europe. If we do this we will ensure they provide an appropriate level of protection for your information.
Providing efficient services
We may use your information for market research and analysis, to help us provide better services to our policyholders.
We also use a number of service providers to support us, such as surveyors, loss adjusters and tracing agents.
If you telephone us, the call may be recorded and monitored for training and quality purposes.
