Data Protection Notice
The main purpose for which we process your personal data is to provide you with services that you request from us. We may need some information from you about your health or criminal convictions to do this. We cannot provide you with quotes or policies without this data. We will also process personal data for other purposes such as fraud prevention. We will only keep your personal data for as long as is necessary for the purpose for which we need that persona data.
We are Bond Insurance Services Limited and we are the data controller of the data you provide. This means that we are the company responsible for deciding how the data is processed.
We will need to share some of your personal data with some third parties, for example insurers and suppliers. This is to allow the insurers to consider your application for insurance and to allow them to deal with claims. The insurers will also be data controllers in relation to the data they receive and in relation to any additional data the insurer may collect about you when dealing with your claim.
Discussing your policy and making changes
For security we will only discuss the policy with you the policy holder or allow changes to be made by the policy holder or some one named on the policy unless you the policy holder have told us otherwise or the third party is able top provide conformation that they have authority to act on your behalf, for example they have a power of attorney. If you do not want us to accept instructions from someone named on your policy then you can let us know. However, please be aware that we may still need to discuss with them matters that directly concerns them for example where they are insured on the policy and details of the information about them is held in relation to the policy.
If you pay for your policy by monthly installments you will be taking out a credit agreement. Data relevant to your credit agreement will be shared with the credit provider who will also be a data controller of this data.
Where do we get the data from and how do we use it?
Most of the data that we process will be data that we collect from you directly when you complete a fact find. We will ask you various questions to collect the data we need for the purpose of your policy. All the questions we ask during the fact find process must be answered unless we have stated that the question is optional. You must provide the data that we ask for otherwise we will not be able to provide you with a quote. Where questions are optional we will explain what we need the data for.
Ways that we collect information
Some areas of the site require you to actively submit information in order for you to benefit from specific features. You will be informed at each information collection point what information is required and what information is optional.
Some of this information may be personal (information that can be uniquely identified with you, such as your full name, address, email address, phone number etc).
We only collect such information when you choose to supply it to us .Information is also gathered without you actively providing it, through the use of various technologies and methods such as Internet Protocol (IP) addresses and cookies. These methods do not collect or store personal information. An IP address is a number assigned to your computer by your Internet Service Provider (ISP), so you can access the Internet. It is generally considered to be non-personally identifiable information, because in most cases an IP address is dynamic (changing each time you connect to the Internet), rather than static (unique to a particular user’s computer).
We use your IP address to diagnose problems with our server, report aggregate information, and determine the fastest route for your computer to use in connecting to our site, and to administer and improve the site.
How you use our services
We also collect data about you to help us provide you with a good service and to design improvements to our services but can also help us with some of our fraud prevention work. If you contact us electronically, we or the insurer may collect your electronic identifier e.g. Internet Protocol (IP) address or telephone number supplied by your service provider. This information may be used by us or the insurer to aid in the detection of fraud.
If we speak to you on the telephone we retain a record of the telephone call. We do this so that we have an accurate record of your transaction with us. We also use this data for monitoring and quality control purposes and may use it for training purposes.
When you chose to add an additional product to your insurance policy, such as breakdown cover we will also need to share data with the supplier of the additional product to allow it to be provided.
Once you close your browser, our access to the cookie terminates. You have the ability to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose not to accept the cookie, this will not affect your access to the majority of information available on our website. However, you will not be able to make full use of our online services.
From other companies
If you provide your driving licence number this may be passed to the DVLA, by us or the insurers we work with, in order for a search to be carried out to confirm your (or any named driver’s) licence status, entitlement and relevant restriction information and endorsement/conviction data. Undertaking searches using your driving licence number helps insurers check information to prevent fraud and reduce incidences of negligent misrepresentation and non-disclosure. A search with the DVLA will not show on your (or your named driver’s) driving licence record. For details relating to information held about you by the DVLA, please visit www.dvla.gov.uk
We (or our insurers or credit provider(s) may carry out checks which credit reference agencies which may include:
- Checks against publicly available information such as the Electoral Register, County Court Judgments, bankruptcy or repossession information.
- Claims and Underwriting Exchange and Other Registers and Databases – We or the insurer exchange information with various databases and registers to help us check information provided, to detect and prevent crime or fraud and to obtain information about Your no claims history.These may include the Claims and Underwriting Exchange Register, the Motor Insurance Anti-Fraud the No Claims History Database and any other relevant industry databases or registers. Information may be shared with these registers and checks carried out against the information held on these registers when we or the insurer deal with your request for insurance, at renewal, when amendments are made to your policy, where a claim is made or where it is necessary to update our policy records.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 whether or not a claim is made. When you tell us about an incident, we or the insurer will pass this information to the registers and any other relevant registers.
Motor Insurance Database 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 DVLANI, the Insurance Fraud Bureau and other bodies permitted by law for purposes not limited to but including:
i. Electronic Licensing
ii. Continuous Insurance Enforcement
iii. Law enforcement (prevention, detection, apprehension and/or prosecution of offenders)
iv. 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.
We’ll check our existing records to see if you have held a policy or obtained a quote with us before. Similar checks may be carried out in relation to any data that our insurer(s) may hold on you. Checking and comparing this data helps us to assess your quote. If you want to know more about Bond Insurance Services Limited you can find out more at www.bond –insurance .co.uk
Providing data about other people
What do we use data for?
The data that we hold is used for the following purposes:
Part 1 – Providing you with a quote and administering your policy
Providing you with a service
As you would expect, the data is used to provide with you with the service you have requested. When you take out a policy, we will continue to use your data to provide you with a renewal quote.
In order to prevent and detect fraud we or the insurer may at any time:
Share information about you with other organisations including the Police;
Undertake credit searches; and Check and/or share your details with fraud prevention and detection agencies.
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, the insurer or other organisations may also access and use this information to prevent fraud and money laundering for example when; checking details on application for credit and credit related or other facilities; managing credit and credit related account or facilities; recovering debt and tracing beneficiaries; checking details on proposal and claims for all types of insurance.
Data protection law says that we have to tell you the legal basis for why we process information. In the case of the information described in this Part 1, we process it because it is necessary to provide you with the quote or the policy that you have requested. Where we collect sensitive personal data from you, we will ask your consent.
Other Uses of Data
When you complete your fact find to enable Bond Insurance Services Limited to provide a quote you will be given an opportunity to confirm whether you are happy to receive marketing material from us. This will only be from us we do not pass your data to other companies for marketing purposes. You can change your mind at any time by contacting us to update your preferences. You can also unsubscribe from emails by clicking on the unsubscribe link on any marketing emails that may send you or by contacting us by telephone or in writing. This will not impact any communications that we need to send you for the purpose of your policy for example, renewal invites, updates on your policies etc.
How long do we keep data?
We’ll only keep data as long as we need it and ensure it is securely destroyed when it is no longer required. We do however need to keep your data, even after your policy cancels for certain periods to allow us to meet our various obligations. Generally you can expect us to keep your data for a period of 6 years following the end of your policy unless there is a requirement for us to keep the data for longer, for example if there are any ongoing queries or claims relating to the policy. When you obtain a quote, if the policy is not purchased, we will not keep the data you provide for any longer than 3 years. We keep data for these periods as it plays an important part in allowing us to undertake fraud detection and prevention activities, allows us to deal with any queries or complaints that may arise regarding the quote and allow us to carry out the research and analysis activity to help us improve our products and services (as described above).
With effect from 25 May 2018 data protections law provides you with the following rights:
- You have a right to ask us to provide personal data that we hold about you. This is called a Data Subject Access Request. If you want to receive other personal data that Bond Insurance Services Limited hold then you can complete a DSAR Form and send this to Elaine Lawrence at Bond Insurance Services Limited
- If you want to receive data that is held by the insurer of your policy then you will need to contact the insurer directly.
- You have the right to ask us to correct inaccurate data.
- You have the right to request that we provide data in a machine readable format or to ask us to send data to another company. This applies to data that you have originally provided to us when you obtained a quote.
- You also have the right to ask us to delete data that we hold about you. Data protection law states that we must delete data in some circumstances such as where it is no longer needed but that we can keep the data if we need to, for example if the data is needed to allow us to administer your policy or if the data is needed for fraud prevention. If you have held a policy with us, we will need to keep data for a certain period of time in case any claims arise in the future and assist us in dealing with our regulatory obligations.
- You have the right to ask to review an automated decision. At Bond Insurance Services Limited no decision is made by an automated process.
Monitoring of email
We may monitor email communications with Bond Insurance Services Ltd (this includes any Bond Insurance Services Ltd member of staff). Any such monitoring will take place in accordance with the law.
We may use log files generated by our web servers to analyse site usage and statistics but the files do not identify any personal information. Log file analysis helps us to understand usage patterns on our website and to make improvements to our service.
We do not disclose any information you provide via the site to any third parties except where:
- Required by applicable laws, courts orders, or government regulations (for example to prevent or detect crime).
- You give us permission to do so.
Bond Insurance Services Ltd has a legal duty to protect the confidentiality of information. We take all reasonable steps to protect any information you submit via our website, both online and offline, in accordance with Data Protection legislation.
We take all appropriate steps to protect your personally identifiable information as you transmit your information from your computer to our site and to protect such information for loss, misuse, and unauthorised access, disclosure, alteration, or destruction. We use leading technologies and encryption software to safeguard your data, and operate strict security standards to prevent any unauthorised access to it.
Where you use passwords, ID numbers, or other special access features on this site, you also have a responsibility to take reasonable steps to safeguard them.
Links to other websites
Contacting us about data matters
If you would like to contact us about one of your data rights then please contact Elaine Lawrence at Bond Insurance Services Limited, Salisbury House, 81 High Street, Potters Bar, Hertfordshire, EN6 5AS Telephone: 01707 291200.