Our legal reasons for collecting your data
We don't just want you to know what personal data we collect - we think it's important that you understand why we collect it too.
Below, we explain:
- why we use your personal data (the purpose)
- our legal justifications (each called a 'lawful basis') for collecting your data under data protection law, depending on why we've collected it
- what each category means for why we collect your personal data - find out more about the personal data we collect about you
Here's a quick explanation of each 'lawful basis' to help you understand a little easier:
Performance of a contract
This is when we (or a company we're working with) need to use your personal information to meet the terms of a contract with you, or to do things you've asked for before we make a contract.
This includes us using your personal information to give you the service agreed in your policy or product terms and conditions, or to check details before starting a new one with you.
Legitimate Interest
This is when we, or another company working with us, has a legitimate reason (for example, a commercial interest) to use your personal information.
It only applies when the reason isn't overridden by your interests, rights or freedoms. For example, we might use your policy information to better calculate the cost of your insurance.
Get in touch if you want to understand anything in more detail.
Consent
This is when you actively agree to us using your personal data for a certain purpose. You can withdraw your consent whenever you want.
Compliance with legal obligations
This is when we have to process your personal data to comply with a law.
Why we collect your data
Processing your policy quotes or finance application
The 'legal basis' that lets us collect data for that purpose
Performance of contract
Categories of personal data used for the purpose
- Account and quote data
- Customer service data
- Related third-party details
- Driver details
- Property Information
Looking after your policy or finance agreement, resolving complaints, handling claims, and giving you ancillary products, like breakdown cover
The 'legal basis' that lets us collect data for that purpose
Performance of contract
Categories of personal data used for the purpose
- Account and quote data
- Claims data
- Customer service data
- Related third party details
Call recording and monitoring
The 'legal basis' that lets us collect data for that purpose
Legitimate interests - We monitor or record calls, emails, SMS messages and other communications for business purposes, like quality control and training
Compliance with legal obligations - e.g. Anti Money Laundering
Protecting your vital interests - e.g. recording and passing on your details in a medical emergency
Categories of personal data used for the purpose
- Account and quote data
- Customer service data
- Related third-party details
- Driver details
- Property information
- Voice data
- Health information
- Political or religious beliefs
- Sensitive data
Detecting and preventing fraud across the Admiral Group
The 'legal basis' that lets us collect data for that purpose
Legitimate interests - it's important for us to check the information we get is true and stop fraudulent claims.
Compliance with legal obligations - e.g. Anti Money Laundering.
Categories of personal data used for the purpose
- Account and quote data
- Customer service data
- Related third-party details
- Driver details
- Property information
- Claims data
- ID documents
We might compare the information you give us with information from previous quotes, price comparison websites, other quote providers and trusted third-party sources. This includes quotes where you decided not to take out a policy or buy another product with us.
We do this to help identify fraud, misrepresentation and anything that's not correct.
Credit scoring
The 'legal basis' that lets us collect data for that purpose
Legitimate interests - it's important for us to check the risk level of selling a certain product to someone. For example, if someone has a very low credit score and a history of not paying back loans, it might be too much of a risk to lend to them or give them insurance.
Categories of personal data used for the purpose
- Account and quote data
Debt recovery or other legal claims
The 'legal basis' that lets us collect data for that purpose
Legitimate interests - it's reasonable for us to get back any money we're owed, as well as bringing or defending any legal claims.
Categories of personal data used for the purpose
- Account and quote data
Checking your identity when we need to
The 'legal basis' that lets us collect data for that purpose
Compliance with legal obligations - e.g. Anti Money Laundering
Categories of personal data used for the purpose
- Account and quote data
Doing market research, product development and statistical analysis
The 'legal basis' that lets us collect data for that purpose
Legitimate interests - we have a legitimate interest in analysing and growing our business, and developing our products and services.
Categories of personal data used for the purpose
- Account and quote data
Processing the auto-renewal of your policy
The 'legal basis' that lets us collect data for that purpose
Performance of a contract
Categories of personal data used for the purpose
- Account and quote data
- Customer service data
- Related third-party details
- Driver details
- Property information
- Claims data
Provide a consolidated policy/product view if you use the Admiral App.
The 'legal basis' that lets us collect data for that purpose
Legitimate interests - We have a legitimate interest in providing you with a consolidated view of all the Admiral products you hold.
Categories of persona data used for the purpose
- Policy and Product data
For assessment and analysis to let us review, develop and improve the services we offer
The 'legal basis' that lets us collect data for that purpose
Legitimate interests - we have a legitimate interest in analysing and growing our business, and developing our products and services.
Categories of personal data used for the purpose
- Account and quote data
- Customer service data
- Related third-party details
- Driver details
- Property information
- Claims data
Telematics
The 'legal basis' that lets us collect data for that purpose
Performance of contract - we and our trusted partners use telematics data for:
- Working out your insurance price - including using information about how you drive to calculate your price, creating driving scores and identifying driving events and behaviours.
- Providing you with services related to the policy
- Device support - including installing, activating, servicing and updating it. We may also test our telematics systems and improve their performance and accuracy.
- Contacting you about your policy or telematics device via post, email, phone, or SMS
Legitimate interests -
- managing claims
- preventing and detecting fraud
- research, analysis and service improvement, including understanding how people use our telematics services
Protecting your vital interests - If the device detects a serious crash, we'll try to contact the policyholder and named drivers. If we can't reach anyone, we'll share details with emergency services, including the vehicle's last known location and names on the policy.
Using our apps
The 'legal basis' that lets us collect data for that purpose
Performance of contract - where the app is needed to offer a product or service, including:
- providing app functionality and services
- authenticating users and managing accounts
- sending notifications and service communications
- enabling features you've asked to use
Legitimate interests
We may also use your personal data to:
- maintain and improve the performance of the app
- troubleshoot and fix technical issues
- test, develop and improve products and services
- understand how customers use our apps
- prevent and detect fraud, misuse and security incidents
Refining our pricing models and validating customer information
We use information you give us, from past quotes and from external sources. These sources include price comparison websites, intermediaries and credit reference agencies.
This may include information from previous quotes, even if you decided not to take out a policy or buy another product with us.
We use it to:
- refine our pricing and risk assessment models across all our products - this just means how we work out the cost of your product, and check if we can offer it to you
- improve the quality of our data and confirm the information we get is accurate
- identify fraud, misrepresentation and inaccuracies
- help us make decisions about risk, prices and underwriting - including across different quotes, policies or other products and services
The 'legal basis' that lets us collect data for that purpose
Legitimate interests - we have a legitimate interest in analysing and growing our business, and developing our products and services.
Categories of personal data used for the purpose
- Account and quote data
- Customer service data
- Related third-party details
- Driver details
- Property information
- Claims data
Internally auditing our processes to maintain our high standards
The 'legal basis' that lets us collect data for that purpose
Legitimate interests - we have a legitimate interest in analysing and growing our business, and developing our products and services.
Categories of personal data used for the purpose
- Account and quote data
- Customer service data
- Related third-party details
- Driver details
- Property information
- Claims data
Surveys
The 'legal basis' that lets us collect data for that purpose
Consent - We might sometimes get in touch to ask you to take party in a survey. These are designed to help us review, develop and improve our services.
We usually use a third-party supplier to host our surveys, which means they're processing some data for us.
Any third-party survey tools we use will have their own privacy policies. We recommend reading these before filling out a survey on those platforms.
You can withdraw your consent whenever you want, by contacting [email protected]
Categories of personal data used for the purpose
- Account and quote data
Direct marketing - contacting you directly about offers through email or online targeted advertisements
The 'legal basis' that lets us collect data for that purpose
Consent
Categories of personal data used for the purpose
- Account and quote data
- Marketing information
To create profiles to consider what products and services you might be interested in
The 'legal basis' that lets us collect data for that purpose
Legitimate interests - we have a legitimate interest in growing our business by marketing our range of products and services to existing customers.
Categories of personal data used for the purpose
- Account and quote data
- Marketing information
To screen individuals against marketing lists for certain products (for example, loans) and to advertise products to eligible customers
The 'legal basis' that lets us collect data for that purpose
Legitimate interests - we have a legitimate interest in growing our business by marketing our range of products and services to existing customers.
Categories of personal data used for the purpose
- Account and quote data