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Privacy Notice

In accordance with the General Data Protection Regulation and related UK data protection legislation, we are committed to protecting the confidentiality and security of the information that you provide to us.

This Privacy Notice is designed to help you understand how we collect and use your information.

We may collect information from you about other people, for example, family members who may drive your car or who may be included on a travel or household insurance policy. If you give us information about another person, it is your responsibility to ensure and confirm that:

You have told the individual who we are and how we use personal information, as set out in this Privacy Notice and you have permission from the individual to provide that personal information to use and for us to use it, as set out in this Privacy Notice.

If you have any questions or queries about this policy please contact us.

Who we are

One Answer Insurance Services Limited (also referred to in this Notice as ‘we’, ‘us’, or ‘our’) means One Answer Insurance Services Limited.

Our Data Manager is, Trevor Cutts, Managing Director.

How to contact us:

For any questions or concerns relating to this Privacy Policy or our data protection practices, or to make a subject access or any other request regarding information we hold, please contact us at:

One Answer Insurance Services Limited
Compliance Department
Unit A1/A2 Chaucer Business Park
Dittons Road
Polegate
BN26 6JF

Tel: 01323 481444

Email: dataprotectionenquiries@1answer.co.uk

Website: http://www.1answer.co.uk/

Why we need and how we use your personal information

We only collect, use and store your information where we have lawful grounds and legitimate business reasons to do so.

We collect, use and store your personal information in order to fulfil requests for quotes, products and services as part of our insurance broking, claims handling and risk management business. It may also be used to verify your identity, to administer payments and to enable us to carry out anti-money laundering and other financial crime checks where required. If you pay by instalments your information may also be used to arrange credit.

The use of your data is essential for us to check your identity, to enable you to enter into an insurance contract and for the insurance to operate (in the event of a claim, for example). We may also use it to keep our records up to date, to notify you about changes to our service and to help us develop new products and services.

With your consent we may obtain sensitive personal data from you or about you such as information about medical conditions and any unspent criminal convictions.

If you do not provide the information required we are unlikely to be able to arrange your insurance and may not be able to do any other business with you.

We may monitor calls, emails, text messages and other communication with you. When you contact us we may keep a record of correspondence and any information provided to keep us during that or any subsequent communication.

Data Protection – retrieving your ‘Share Your Licence Information’ code

As stated in this notice, your data will be used to form a contract between you, the consumer and the Insurer. Your data will be used for insurance underwriting purposes i.e. to examine the potential risk in relation to your prospective policy and for anti-fraud purposes i.e. to detect and prevent fraudulent claims and/or activities.

Your Driving Licence Number (“DLN”) and that of any named driver will be checked against the DVLA database to confirm the licence status, driving entitlement and relevant restrictions and any endorsements/convictions. Searches may be carried out prior to the date of the insurance policy and at any point throughout the duration of your insurance policy including at the mid-term adjustment and renewal stage.

‘No Claims Discount’ details may be checked against a No Claims Discount database to obtain information in relation to your ‘No Claims Discount’ entitlement. Such searches may be carried out against the DLN, name, date of birth, Vehicle Registration Mark and or postcode of you and any named drivers.

A search of the DLN against the DVLA and NCD databases should not show a footprint against your (or another relevant person’s) driving licence.

For further information about disclosing your Driving Licence Number, see: http://www.mylicence.org.uk/

For details relating to information held about you by the Driver and Vehicle Licensing Agency

(“DVLA”) please visit www.dvla.gov.uk

How to retrieve your ‘Share your licence information’ code

Please enter this website in to your web browser: https:/www.gov.uk/view-driving-licence

Click on the ‘View Now’ icon.

You will be asked to provide the following:

  • Driving Licence Number
  • National Insurance Number
  • Postcode

Tick the ‘Consent to proceed’ box. Click the ‘View now’ box.

The next page will display your driving licence information. At the top there are four tabs, please select the forth tab ‘Share your licence information’.

Click the ‘Create a code’ box.

You will then be presented with ‘Your check code’. Please note this is case sensitive and so it should be sent to us in this format along with your driving licence number. This can be emailed to admin@1answer.co.uk, you must do this within 21 days as the check code will expire.

Marketing

We would like to keep you updated about our relevant products and services by email, SMS and or/telephone. If we intend to use your data for such purposes or if we intend to disclose your information to any third party for such purposes we will only do so with your consent. Your consent will be obtained specifically at the appropriate time. If you have already consented and wish us to stop using your information for this purpose or any other purpose then please contact us.

Nature of personal information

Personal data is any information that may identify a living individual. We collect personal information such as name, contact details, date of birth, gender, marital status, financial details, employment details and other personal details depending on the nature of the insurance and other services we offer.

We may collect, use and store sensitive personal information such as criminal convictions and medical conditions as necessary in relation to insurance such as motor, home and travel insurance. This information may be shared with insurers, insurance product providers and our third party services providers.

Sharing information

We will only supply your personal information to other parties where such a transfer is a necessary part of the activities that we undertake, where you give us consent or where we are required to do so by law or regulation (e.g. where the disclosure is necessary for the purposes of the prevention and/or detection of crime).

As an intermediary we must disclose personal information to insurance companies, underwriting agencies, business partners and other parties in order to provide our products and services and to enable you to enter into insurance contracts. Examples of other parties include other insurance intermediaries, loss adjusters, regulatory bodies, legal and accountancy firms involved in the claims handling process. We may also share your personal information with fraud prevention agencies such as the Claims and Underwriting Exchange Register and Motor Insurance Anti-Fraud and Theft Register. We may pass information relating to your insurance policy and any incident to the operators of these registers, their agents and suppliers.

For motor insurance we share it with the Motor Insurance Database (MID) which may be used to establish whether a driver is insured to drive a vehicle and/or for preventing or detecting crime. If you are involved in an accident in the UK or abroad, the MID may be searched to obtain relevant policy information. You can find out more at https://mid.org.uk

We may also disclose your information to service providers engaged to perform services on our behalf. Such service providers are contractually restricted from using or disclosing the information we give them except as necessary to perform services on our behalf or to comply with legal requirements.

We only share your information if we are satisfied that our partners or suppliers have sufficient measures in place to protect your information in the same way that we do.

We may also disclose personal information to new owners of our business in the event that we are subject to a merger or acquisition. Disclosure may also be made to enable company audits, regulatory inspections or to investigate a complaint, suspicion of fraud or a security threat.

We never share your information outside our organisation for marketing purposes.

You understand that we may disclose the information you provide to relevant other parties for the purposes as described in this Notice.

Transfer of personal data outside the UK

Certain personal information held on our Information Technology systems may be transferred across geographical borders in accordance with applicable law.  By providing us with your information, you consent to the collection, international transfer, storage and processing of your information.

These transfers are governed by European Union (EU) standard contractual clauses or equivalent data transfer agreements to protect the security and confidentiality of personal information.

How long we keep information about you

We will keep your information for as long as it is required to enable us to provide quotations, administer your insurances, offer renewal and respond to any claims or complaints (which may arise after the period of insurance has expired). This will usually be a minimum period of 10 years or otherwise as determined by law or regulation. Once we decide that we no longer need your information it will be securely and confidentially destroyed.

Your data protection rights

You have certain legal rights under UK data protection law and regulations, summarised as follows:

  1. The right to be informed; about our data processing activities, including through Privacy Notices such as this.
  2. The right of access; to the personal information we hold about you. To request a copy of this information you must make a subject access request in writing to us.
  3. The right of rectification; You may ask us to correct any inaccurate or incomplete data within one month.
  4. The right to erasure and to restrict processing; You have the right to have your personal data erased and to prevent processing except where we have legal obligation to process your personal information. You should bear in mind that by exercising this right you may hinder or prevent our ability to provide products and services.
  5. The right to data portability; On your request, we will provide you with your personal data in a structured format.
  6. The right to object; You have particular rights in relation to automated decision making and profiling to reduce the risk that a potentially damaging decision is taken without human intervention. You can object to your personal data being used for profiling, direct marketing or research purposes.

If you want to invoke any of these rights, please write to us:

One Answer Insurance Services
Compliance Department
Unit A1/A2 Chaucer Business Park
Dittons Road
Polegate
BN26 6JF

Email: dataprotectionenquiries@1answer.co.uk

Withdrawal of consent

Where you have provided your specific consent to the use of personal data, you may withdraw that consent by contacting us:

One Answer Insurance Services
Compliance Department
Unit A1/A2 Chaucer Business Park
Dittons Road
Polegate
BN26 6JF

Tel: 01323 481444

Email: dataprotectionenquiries@1answer.co.uk

How to make a complaint

If you wish to make a complaint about how we hold or use your data, please contact us:

One Answer Insurance Services
Compliance Department
Unit A1/A2 Chaucer Business Park
Dittons Road
Polegate
BN26 6JF

Tel: 01323 481444

Email: dataprotectionenquiries@1answer.co.uk

If you are dissatisfied with how we deal with your complaint, you may contact the Information Commissioner’s Office:

The Information Commissioner
Wycliffe House
Water Lane
Wilmslow
Cheshire
SK9 5AF

Tel: 0845630 60 60

Website: https://ico.gov.uk

Information from other sources

We may use legal public sources such as the electoral roll and other third party sources such as credit reference agencies to obtain information about you, for example to verify your identity or check your credit history.

We also obtain information about you from credit reference agencies and similar third parties. Some personal information may be provided to us by third parties such as insurance companies, other insurance intermediaries and motor vehicle licensing authorities. In some cases you will have previously submitted your personal information to them and given them approval to pass this information on for certain purposes.

Such information will only be obtained from reputable sources which operate in accordance with the General Data Protection Regulation.

We and/or other parties may use your information for purposes such as statistical and trend research and analysis which may include computerised processes which profile you. Automatic profiling help us understand, predict and forecast customer preferences and to improve the products and services we offer and to assess which products might be most suitable for you.

Changes to this Privacy Notice

This Privacy Notice was last updated in March 2018.  One Answer Insurance may amend or update this Privacy Notice at any time to comply with legal requirements.  If you have access to the internet, you should regularly check this Privacy Notice at http://www.1answer.co.uk/terms/ for any updates.  If necessary, you may be notified of changes. Your contact details (as previously described) would be used for this purpose, based on the legal basis of compliance with legal obligations or legitimate interests (or both as relevant).