Under data protection law you have certain rights in relation to the personal information that we hold about you. There will not be a charge for dealing with these requests. You may exercise these rights at any time by contacting us using the details set out in section 13.
- in some cases we may not be able to comply with your request (for example, where there is a conflict with our own obligations to comply with other legal or regulatory requirements). However, we will always respond to any request you make and if we can’t comply with your request, we will tell you why;
- in some circumstances exercising some of these rights (including the right to erasure, the right to restriction of processing and the right to withdraw consent) will mean we are unable to continue providing you with insurance and may therefore result in its cancellation. You will therefore lose the right to bring any claim or receive any benefit, including in relation to any event that occurred before you exercised your right of erasure, if our ability to handle the claim has been prejudiced. Your policy terms and conditions set out what will happen in the event your policy is cancelled.
Your rights include:
The right to access your personal information
You are entitled to a copy of the personal information we hold about you and certain details of how we use it.
Your information will usually be provided to you in writing, unless otherwise requested, or where you have made the request by electronic means, in which case the information will be provided to you by electronic means where possible.
The right to rectification
We take reasonable steps to ensure that the information we hold about you is accurate and complete. However, if you do not believe this is the case, you can ask us to update or amend it.
The right to erasure
In certain circumstances, you have the right to ask us to erase your personal information, for example where the personal information we collected is no longer necessary for the original purpose or where you withdraw your consent. However this will need to be balanced against other factors. For example, we may have legal and regulatory obligations which mean we cannot comply with your request.
The right to restriction of processing
In certain circumstances, you are entitled to ask us to stop using your personal information, for example where you think that the personal information we hold about you may be inaccurate or where you think that we no longer need to use your personal information.
The right to data portability
In certain circumstances, you have the right to ask that we transfer personal information that you have provided to us to another third party of your choice.
The right to object to marketing
You can ask us to stop sending you marketing messages at any time. If you wish to opt out of marketing, you may do so by clicking on the ‘unsubscribe’ link that appears in all marketing emails or telling us when we call you. Otherwise you can always contact us using the details set out in section 13. Please note that even if you opt out of receiving marketing messages, we may still send you service related communications where necessary.
Rights relating to automated decision-making
Sometimes we may make decisions using automated means where such decisions are necessary in relation to your insurance policy. The automated process will consider the information that you provide us (for example, details of the property that you wish to insure), as well as other information such as postcode and local crime rate to determine whether your application for insurance can be accepted and the premium price.
If you have been subject to an automated decision and do not agree with the outcome, you can contact us using the details set out in section 13 and ask us to review the decision.
The right to withdraw consent
For certain uses of your personal information, we will ask for your consent. Where we do this, you have the right to withdraw your consent to further use of your personal information.
Please note that for some purposes, we need your consent in order to provide your policy. If you withdraw your consent, we may need to cancel your policy or be unable to pay your claim. We will advise you of this at the point you seek to withdraw your consent.
The right to lodge a complaint with the Information Commissioner’s Office (‘ICO’)
You have a right to complain to the ICO if you believe that any use of your personal information by us is in breach of applicable data protection laws and regulations. More information can be found on the ICO website: https://ico.org.uk/.
Making a complaint will not affect any other legal rights or remedies that you have.