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Privacy Notice

Privacy Policy

INFORMATION WE PROCESS

You should understand that information you provide, have provided and may provide in future will be processed by us, in compliance with UK data privacy laws for the purpose of providing insurance, handling claims and/or responding to complaints.

INFORMATION CONTAINING PERSONAL  AND SENSITIVE PERSONAL INFORMATION

Information we process may be defined as personal and/ or sensitive personal information. Personal information is information that can be used to identify a living individual e.g. name, address, driving licence or national insurance number. Personal information is also information that can identify an individual through a work function or their title.

In addition, personal information may contain sensitive personal information; this can be information about Your health and/or any criminal convictions.

We will not use personal and/or sensitive personal information except for the specific purpose for which You provide it and to carry out the services as set out within this notice.

COLLECTING ELECTRONIC INFORMATION

If you contact us via an electronic method, we may record your internet electronic identifier i.e. your internet protocol (IP) address. Your telephone company may also provide us with your telephone number.

HOW WE USE YOUR INFORMATION

Your personal and/or sensitive personal information may be used by us in a number of ways, including to:

  1. arrange and administer an application for insurance;
  2. manage and administer the insurance;
  3. investigate, process and manage claims; and/or
  4. prevent fraud.

WHO WE SHARE YOUR INFORMATION WITH

We may pass your personal and/or sensitive personal information to industry related third parties, including authorised agents; service providers; capacity providers; reinsurers; other insurers; legal advisers; loss adjusters and claims handlers.

We may also share your personal and/or sensitive personal information with law enforcement, fraud detection, credit reference and debt collection agencies and within our group of companies to:

  1. assess financial and insurance risks;
  2. recover debt;
  3. to prevent and detect crime; and/or
  4. develop products and services.

We will not disclose Your personal and/or sensitive personal information to anyone outside the our group of companies except:

  1. where we have your permission;
  2. where we are required or permitted to do so by law;
  3. to other companies who provide a service to us or you; and/or
  4. where we may transfer rights and obligations under the insurance.

WHY IS IT NECESSARY TO SHARE INFORMATION?

Insurance companies share claims data to:

  1. ensure that more than one claim cannot be made for the same personal injury or property damage;
  2. check that claims information matches what was provided
  3. when the insurance was taken out;
  4. act as a basis for investigating claims when We suspect that fraud is being attempted; and/or
  5. respond to requests for information from law enforcement agencies.

THE TRANSFERRING OF INFORMATION OUTSIDE THE EUROPEAN ECONOMIC AREA

In providing insurance services, we may transfer your personal and/or sensitive personal information to other countries including countries outside the European Economic Area. If this happens We will ensure that appropriate measures are taken to safeguard Your personal and/or sensitive personal information.

ACCESS TO YOUR INFORMATION

You have a right to know what personal and/or sensitive personal information We hold about you. If you would like to know what information we hold, please contact the Data Protection Officer at the address listed within this notice, stating the reason for your enquiry. We may write back requesting You to confirm Your identity.

If We do hold information about you we will:

  1. give you a description of it;
  2. tell you why we are holding it;
  3. tell you who it could be disclosed to; and
  4. let you have a copy of the information in an intelligible form.

If some of your information is inaccurate, you can ask us to correct any mistakes by contacting our data protection officer.

PROVIDING CONSENT TO PROCESS YOUR INFORMATION

By providing us with your personal and/or sensitive personal information, you consent to your information being used, processed, disclosed, transferred and retained for the purposes set out within this notice.

If you supply us with personal information and/or sensitive personal information of other people, please ensure that you have fairly and fully obtained their consent for the processing of their information. You should also show this notice to the other people.

You should understand that if you do not consent to the processing of your information or you withdraw consent, we may be unable to provide you with insurance services.

CHANGES TO THIS NOTICE

We keep our privacy notice under regular review. This notice was last updated on the 6th February 2025

CONTACTING US

If you have any questions relating to the processing of your information, contact:

dpo@aspect.insure

Data Protection Officer
Aspect Labs Ltd
Floor 3, 8-9 New Street, London, EC2M 4TP