This Privacy Statement will help you understand how we collect,
use and protect your personal information when you interact with
us. Please take a few moments to read the sections below and learn
how we may use your personal information. You should also show
this notice to anyone else who may be insured to drive under your
policy. You acknowledge that by providing your personal information
to us, you consent in its processing in accordance with this Privacy
Statement.
2.
How your information will be used
General
We will use your information for:
Processing your quotes
Administering your policy including claims handling
Fraud prevention and detection
Credit scoring or other automated decision-making systems
Administering debt recoveries
Verifying your identity when required
Undertaking market research
Keeping you informed about promotions and new developments
by email, telephone or post.
Marketing
EUI Limited will also use your information for marketing purposes:
Keeping you informed of products and services, including
but not limited to car insurance (e.g. other automotive or
financial products, or other carefully selected offers which
we believe may interest you), from us and other companies.
If you do not want your personal information to be used this way,
please click
here or write to the Marketing Department, EUI Limited, Capital
Tower, Greyfriars Road, Cardiff, CF10 3AZ, who will ensure that
your information is not used for these purposes.
Policies with more than one car
In circumstances where more than one car is insured under the
policy, any personal information for any drivers named on the policy,
including that of a sensitive nature such as claims and conviction
history, will be used for underwriting purposes and may be disclosed
to others named on the policy. You should be aware that by providing
personal information about yourself or others you agree to its
possible disclosure. We will also use contact details provided
by you to remind pending drivers named on your quotation that their
car is due to join the policy at the appropriate time.
Policy changes
For your benefit and in order to ensure an efficient administrative
process, we may discuss with and take instruction to change your
policy from these people:
You, your spouse or partner, your parents, and drivers already
named on the policy
If, however, more than one permanent car is insured under the
policy we will only take instruction for changes from you or
a driver named on your cars current Certificate of Motor Insurance.
Find more information about the types of changes which can be
made this way in your policy booklet. If you do not want us to
do this, then please write to the Quality Department, Capital Tower,
Greyfriars Road, Cardiff, CF10 3AZ.
At renewal
In order to offer you continuous cover on your policy, EUI Limited
will arrange for your policy to be automatically renewed. You should
be aware that we can only guarantee automatic renewal when:
You have made us aware of any changes to your policy details
The credit/ debit card details have not changed
The credit/ debit card holder has given their explicit consent
to his or her card being charged at renewal.
Unless we hear to the contrary, EUI Limited is entitled to assume
at renewal that your details have not changed and you have the
consent of the card holder.
If you wish to make changes to your policy then, unless you inform
us otherwise, EUI Limited will charge the payment details (card
or bank account) held on record for any additional amount due.
You may inform us of any changes or opt out of automatic renewal
at any time by contacting our Customer Service department.
We may also contact you with a reminder that your insurance is
due for renewal.
Disclosure
We may disclose information about you and your policy:
To companies within the Admiral Group (For the purposes of
this Privacy Statement, "Admiral Group" means Admiral
Group plc and any company or entity in which Admiral Group
plc owns more than 15% of the issued share capital. Companies
in the Admiral Group shall include, without limitation, EUI
Limited, Admiral Syndicate Management Ltd, Admiral Syndicate
Ltd, Admiral Insurance Company Ltd, Admiral Insurance (Gibraltar)
Ltd, Inspop.com Ltd, Able Insurance Services Ltd and any other
company that is incorporated within the Admiral Group at any
time in the future)
In the event that we undergo re-organisation or are sold to
a third party, in which case you agree that any personal information
we hold about you may be transferred to that re-organised entity
or third party
Where it is necessary to deliver the products and services
bought by you. For example, we may disclose your personal information
to a credit card company to validate your credit card details
and obtain payment. It may also be necessary for us to pass your
personal information to the organisation from whom you have ordered
any products or services other than your EUI Limited insurance
product, such as a travel insurance or a personal accident cover
provider, etc. At all times, EUI Limited will remain the Data
Controller unless we inform you otherwise
We may also be obliged to disclose your personal information
to meet any legal or regulatory requirements in accordance with
the law.
3.
Collecting Information
Personal
We will collect your personal information when:
You ask for a quote
You purchase our products and services
You make customer enquiries
You register for information or other services
You respond to communications or surveys
When providing information about others who may be insured
you confirm that you have the consent of these individuals to
supply their personal information.
The type of personal information we may collect could include:
Name and address, date of birth and gender
Telephone numbers and email address
Credit/ debit card details
Lifestyle and other information
We may also collect information defined as "sensitive
data" within the Data Protection Act 1998. This includes:
Medical history
Claims history
Criminal convictions etc.
By accepting your policy with us you agree to our collecting such
information. We are unable to offer you any insurance product unless
you provide explicit consent for the collection and use of such
sensitive data as defined in the Act.
We may also monitor or record calls, emails, text messages or
other communications in accordance with UK law, and in particular
for:
Business purposes such as quality control and training
Processing necessary for entering into or performance of a
contract
Prevention of unauthorised use of our telecommunication systems
and websites
Ensuring effective systems operation
Meeting any legal obligation
Protecting your vital interests
Prevention or detection of crime
For the legitimate interests of the data controller.
All personal information will be held in the strictest confidence
and used only for the purposes for which we collect it. If you
would like us to remove any personal information from our records,
then please write to us at our Customer Services Department, Capital
Tower, Greyfriars Road, Cardiff CF10 3AZ. We will make all reasonable
efforts to delete your information from our files if it is deemed
appropriate.
Non-personal information collected online
You can visit our website without disclosing any personal information,
although we may use cookies to collect non-personal information
about your browsing. ("Cookies" are small pieces of information
sent by a web server to a web browser which enable the server to
collect information. Find out more at www.cookiecentral.com).
We use cookies for a number of purposes, including:
Simplifying logging on for users
Ensuring the security of registered users
Enabling traffic monitoring.
You don't need to allow your browser to accept personal cookies,
you must have session cookies enabled if you wish to quote online
or access any areas reserved for registered users. Session cookies
do not hold personal information. Without them, we are unable to
provide you with a quote.
Third parties serve cookies via this site. They are used to help
us compile anonymous, aggregated statistics that allow us to understand
how users use our site and to help us improve the structure of
our website. Neither we nor any third party can identify you personally
in this way. For more information and to opt out of cookies used
for this purpose please visit www.websidestory.com/privacy.
If you have any queries regarding cookies and our use of them,
please contact the Information Security Officer on 029 2043 4252.
Please be aware that our website will contain links to other websites.
We accept no responsibility or liability for the content of these
websites. If you choose to visit another website via our website,
you will need to contact them separately to have your personal
information deleted from any list they might hold.
4.
Confidentiality
We will endeavour to treat your personal information as private
and confidential. Other than under the terms of this Statement,
we will not disclose any of your information to anyone.
We would like to bring to your attention our obligations to
disclose information in the following four exceptional cases
permitted by law, and the other situations set out below. These
are:
Where we are legally compelled to do so
Where there is a duty to the public to disclose
Where disclosure is required to protect our interest
Where disclosure is made at your request or with your consent.
Also, from time to time we will employ agents and subcontractors
to process your personal information on our behalf. The same duty
of confidentiality and security will apply to them and all processing
will be carried out under our instruction.
If you make a complaint about the service we have provided, we
may be obliged to forward details about your complaint, including
your personal information, to the relevant ombudsman. You can be
assured that they are similarly obliged to adhere to the Data Protection
Act and keep your personal information strictly confidential.
In the unfortunate event that you have to make a claim then we
will need to disclose information with any other party involved
in that claim. This may include:
Third parties involved with the claim, their insurer, solicitor
or representative
Medical teams, the police or other investigators.
If necessary we may also have to investigate your claims and conviction
history in the course of administering the claim. You can be assured
that we will keep such investigations strictly confidential.
Insurers pass information to the Claims Underwriting and Exchange
Register, run by Insurance Database Services (IDS) and the Motor
Insurance Anti-Fraud and Theft Register, run by the Association
of British Insurers (ABI). This helps insurers check information
and prevent fraudulent claims. When we deal with your request for
insurance we may search these registers. Under the conditions of
your policy, you must tell us about any incident (such as an accident
or theft) which may give rise to a claim. When you tell us about
an incident we will pass information to the Registers.
Your policy details will be added to the Motor Insurance Database
(MID), run by the Motor Insurers' Information Centre (MIIC). MID
data may be used by the DVLA and the DVLNI for Electronic Vehicle
Licensing and by the police for establishing whether a driver's
use of a vehicle is likely to be covered by a motor insurance policy
and/or for preventing and detecting crime. If you are involved
in an accident (in the UK or abroad), other UK insurers, the Motor
Insurers' Bureau and MIIC may search the MID to obtain policy information.
Persons pursuing a claim in respect of a road traffic accident
(including citizens of other countries) may also obtain information
which is held on the MID. Find out more at www.miic.org.uk.
We make searches about you at credit reference agencies who will
supply us with information, including the Electoral Register and
credit information. The agencies will record details of the search
whether or not your application proceeds. The searches will not
be seen or used by lenders to assess your ability to obtain credit.
We may use scoring methods to assess this application and to verify
your identity. Credit searches and other information which is provided
to us and/ or the credit reference agencies, about you and those
with whom you are linked financially, may be used by EUI Limited
and other companies if you, or other members of your household,
apply for other facilities including insurance applications and
claims. This information may also be used for debt tracing and
the prevention of money laundering as well as the management of
your account. Alternatively, we may ask you to provide physical
forms of identification.
Fraud prevention and detection notice
In order to prevent and detect fraud insurers may, at any time:
share information about you with our other group companies
pass details to Insurance Hunter, a central insurance application
and claims checking system, whereby it may be checked against
information held by Insurance Hunter and shared with other insurers.
If false or inaccurate information is provided and fraud is identified
details will be passed to fraud prevention agencies.
Law enforcement agencies may access and use this information.
We and other organisations may also access and use this information
to prevent fraud and money laundering, for example, when:
checking details on applications for credit and credit related
or other facilities
managing credit and credit related accounts or facilities
recovering debt
checking details on proposals and claims for all types of insurance
checking details of job applicants and employees
Please contact us on 0800 052 3144 if you want to receive details
of the relevant fraud prevention agencies.
We and other organisations may access and use, from other countries,
the information recorded by fraud prevention agencies.
5.
Information Security
On our websites we protect any information you have given us
by providing you with a User ID and password. We also use industry
standard secure sockets layer (SSL) 128 bit encryption technology
to encrypt sensitive information.
The User ID and password helps us to protect your personal information.
You may need a User ID and password to access your personal information
on our website. You must keep this password safe and must not
disclose it to anyone. We will accept no responsibility or liability
if a third party obtains and users your User ID and password.
You must tell us immediately if you have lost your Use ID or
password, or if you believe a third party may have obtained it.
Please also tell us if you would like us to change your User
ID or password for any reason.
When you ask for a quote from us, we will process the data on
a secure server. Microsoft Internet Explorer and Netscape Navigator
will confirm that you are in a secure area by displaying an unbroken
key or lock in the bottom right hand corner of your browser window.
Some organisations have a security feature called a firewall to
protect their computer systems. These firewalls may prevent you
from connecting to our secure server to get a quote. If you are
at work and cannot connect to our site, please speak to your IT
administrator to learn more.
Please be aware that communications over the Internet, such as
emails or webmails, are not secure unless they have been encrypted.
Your communications may route through a number of countries before
being delivered – this is the nature of the Internet. We
cannot accept responsibility for any unauthorised access or loss
of personal information that is beyond our control.
It may be necessary to transfer your personal information to other
Group companies or service providers located outside of the European
Economic Area. The data protection and other laws of these countries
may not be as comprehensive as those in the UK or the EEA – in
these instances we will take steps to ensure that your privacy
rights are respected.
6.
Access to your information
You can write to us at any time to obtain details of the personal
information that we may hold about you. Please write to the Data
Protection Officer, EUI Limited, Capital Tower, Greyfriars Road,
Cardiff CF10 3AZ. Please provide your name, address and policy
number and tell us what information you would like.
We will take all reasonable steps to confirm your identity before
providing you with details of any personal information we may
hold about you. Please provide two forms of identification such
as a copy of a driving licence, passport, or document containing
your signature, and a copy of a recent utility bill that confirms
your address.
In accordance with the Data Protection Act 1998, we are entitled
to charge £10 to cover the administration costs. Please make
cheques payable to "EUI Limited."
7.
Privacy Support
We reserve the right to amend or modify this Privacy
Statement at any time and in response to changes in applicable
law.
The Data Controller is EUI Limited (registered number 02686904).
Admiral, Bell, Diamond and elephant.co.uk are trading names of
EUI Limited. At all times EUI Limited will remain the ultimate
data controller. In this Privacy Statement "we," "us" and "our" means
EUI Limited.
If you have any enquiry about our data protection and privacy
practices, please write to the Data Protection Officer as above.