Please read this notice carefully as it contains important information about our use of your personal information, it explains how we use all the information provided online.
Please read these conditions carefully. They will form an important part of any contract between us, your underwriters and you. By proceeding on our website and/or applying to us for insurance by telephone or in person you agree to be bound by these terms, which, by proceeding, you confirm you have read and understood.
How do we handle your personal information?
Protecting your information is important to us. We have security measures in place which are considered appropriate to the nature of the information and the harm that might result from a breach of security. For your protection we will also:
- not hold more information about you than is required for the purposes for which it is being processed
- make reasonable endeavours to ensure that any information about you is accurate and kept up to date
- not keep your information for longer that is necessary or as required by law
- process your information in accordance with your rights under the Data Protection Act 1998
How we use your information
To make sure you get the best offer from insurers, when arranging or quoting terms etc., or at any renewal, insurers we use, may use publicly available data which they obtain from a variety of sources, including credit reference agencies and other external organisations to validate an insurance risk and to ensure that complete and accurate information has been submitted, as well as to prevent fraudulent applications. Validation could include telephone confirmation of the risk information held, as well as checks on insurance industry databases, such as the Claims and Underwriting Exchange database (CUE) and a request for documents.
Their search could also appear and create a footprint note on your credit report whether or not your application proceeds.
All personal information about you will be treated as private and confidential (even when you are no longer our customer), except where the disclosure is made at your request or with your consent or is required by law or by our regulator the FCA. Your personal information will be used by us for the following purposes:
- To arrange, administer and maintain your insurances
- To assist you with the claims and enquiries
- To maintain your insurance records
- To keep you informed of other products and services we offer
- To enable us to conduct research and statistical analysis
- To monitor our internal customer service
- And share with other carefully selected third parties for marketing purposes
What information do we hold and how do we obtain it?
We may receive information about you from any of the following sources:
- directly from you or your authorised representatives when you or your representative obtains a quote, incepting, renewing or amending a policy or making a claim. This information will consist of the following:
- all information, including all personal and sensitive information (sensitive information may include health and previous convictions) that is provided to us when completing an application for a quote for any insurance policy;
- details of all previous quotes for insurance requested from us;
- details of all policies held with us including dates of purchase, lapse and cancellation;
- details of claims on policies held with us;
- your payment history relating to policies held with us; and
- the length of time you have been a customer with us.
- from third parties such as credit reference or debt collection agencies (e.g.to confirm your personal data); and
- from insurers, witnesses, third parties and solicitors (e.g. accident details)
What are your rights?
Under the Data Protection Act 1998 you have a right of access to see personal information about you that is held in our records, whether electronically or manually.
You may request, by writing to the address below and enclosing a cheque for £10 payable to Laurie Ross Insurance, details of the information that we hold about you. Details will be provided to you within 40 days of us receiving your request and fee.
To change your marketing preferences you will need to contact your local branch or email us at email@example.com
We may contact you by telephone, or by mail, text, email and other reasonable methods, using the telephone and other contact details provided and updated by you and your representatives or which we obtain or update from external sources.
We may use your information for marketing and to carry out research and analysis to help us meet your needs.
We may contact you if you abandon or fail to fully complete our online call back form to see if we can offer you any assistance with this.
We may contact you to tell you about insurance and related products, offers and discounts.
We may share your information for other purposes not set out in this notice but will only do so with your permission.
Monitoring and recording calls
For security and training purposes all telephone calls will be recorded and may also be used as proof of the information you have provided in connection with your insurance.
You may visit our website without providing us with any personal information. However, there are times when we may need information from you, which includes your internet address, so that we can track unique visits to our site to review issues such as who visits and why they visit.
We may use third parties to collate IP addresses (amongst other things) to help us understand our Internet traffic data and data regarding your browser type and computer.
The open nature of the internet is such that data may flow over networks without security measures, and may be accessed and used by people other than those for whom the data is intended. While this is out of our control, we aim to apply appropriate levels of security at all times.
A cookie is a small file, typically of letters and numbers, downloaded on to a device when the user accesses certain websites. Cookies can also allow a website to recognise a user’s device type.
The websites given in the section below are external websites and by visiting them means you are subject to the terms and conditions of that website.
For more information on cookies you can go to: http://www.allaboutcookies.org/
Cookies are used to save specific pieces of information to your web browser to make your user experience on the web easier and tailored to your preferences. Examples of this are:
- The BBC – http://www.bbc.co.uk
You can set your location to get specific news, weather and TV listings.
- Amazon UK – http://www.amazon.co.uk
The site will remember and show you the recent items you were viewing
Types of cookies
Cookies can expire at the end of a browser session (from when a user opens the browser window to when they exit the browser) or they can be stored for longer.
The Regulations apply to the following types of cookies:
Session cookies – allow websites to link the actions of a user during a browser session. They may be used for a variety of purposes such as remembering what an user has put in their shopping basket as they browse around an e-commerce site. They could also be used for security when a user is accessing internet banking or webmail. These session cookies expire after a browser is closed which would end the session, so would not be stored longer term. For this reason session cookies may sometimes be considered less privacy intrusive than persistent cookies.
Persistent cookies – are stored on a users’ device in between browser sessions, which allows the preferences or actions of the user across a site (or in some cases across different websites) to be remembered. These may be used for a variety of purposes including remembering users’ preferences and choices when using a site or to target advertising.
First and third party cookies – Whether a cookie is ‘first’ or ‘third’ party refers to the website or domain placing the cookie. First party cookies, in basic terms, are cookies set by the website you are visiting (the website displayed in the browser window). Third party cookies are cookies that are set by a website or domain other than the one being visited. If a user visits a website and a separate company sets a cookie through that website this would be a third party cookie.
How cookies help us
How to clear your cookies
Internet browsers normally accept cookies by default, although it is possible to set a browser to reject cookies. We will ask your permission before using any cookie that is not essential to the use of the website. However, refusing to accept cookies may restrict your use of our website and/or delay or affect the way in which our website operates.
The way that you clear your cookies from your computer depends on which browser you are using, we have shown how to remove cookies on the main internet browsers below:
- Click on the “Tools” menu and select “Options”
- Click the “Under the Bonnet” tab, locate the “Privacy” section and click the “Clear browsing data” button
- Select “Delete Cookies and other site data” and choose the time period you would like to remove your cookies from in the dropdown menu
- Click on the “Close” button when you’ve finished
Internet Explorer 10 & 11
- Open Internet Explorer window
- Click the “Tools” button
- Point to “Safety” and then click “Delete browsing history”
- Tick the “Cookies & website data” box, then click “Delete”
- Click on “Tools”, then “Options”
- Select “Privacy”
- Click on “Show Cookies”
- You can remove specific cookies by selecting the ones you want to delete and then clicking on the “Remove Selected” button
- If you want to remove all cookies click on the “Remove All” button
- Click the “Settings” icon on the right hand side of the screen and select “Preferences”
- Click the “Privacy” button
- You can remove specific cookies by selecting the ones you want to delete and then clicking on the “Details” button
- If you want to remove all cookies click on the “Remove All” button