We are a data controller and processor of your personal information. We want to make sure all of our customers know exactly how their personal data is being used by us, how we protect that data, and what you can do to control how we use your data.
Your broker will have their own policy for your personal data, please ask your broker if you would like more information about how they use your personal information.
2: WHAT INFORMATION DO WE COLLECT?
3: HOW DO WE COLLECT YOUR INFORMATION?
Enquiry, proposal, claim, survey
and feedback forms
Other policyholders, insureds, or policy beneficiaries
From individuals who have policies with us under which you are insured
Publicly available data, such as that on social media and networking sites or the electoral register
Third party databases available to us for fraud prevention provided by law enforcement or government agencies
The HM Treasury, OFAC and other financial sanctions lists such as those from the EU, UN and Australia (DFAT)
Witnesses to an incident related to a claim
Credit reference agencies
Suppliers and third party administrators appointed in the process of handling a claim
Promotional competitions, prize draws, events
4: WHAT DO WE USE YOUR INFORMATION FOR?
Decide or underwrite the risk when providing you with a quotation and price
Apply for an insurance policy with your insurer
Help us answer any questions you may have
Administer your policy and any premium payments
Update your personal details relating to your insurance
Change the cover you have on your policy
Contact you about your insurance
Discuss your policy with your broker to help them manage your insurance with us
Provide assistance if you make a claim
We may also use your information as required according to the law, including:
Register a complaint related to you
Fulfil and comply with our legal and regulatory obligations
Prevent fraud and financial crime (which may include processes that identify you)
We may process special category of sensitive information and criminal offence data if we have a lawful basis and fulfil the appropriate condition for doing so.
We may use your information to protect anyone’s vital interests.
This means we may have to use your data to protect someone’s life.
We may also use your information for legitimate interests, which is primarily to improve our services and marketing communications. This might include for example your marketing preferences and consent, data related to promotional competitions/prize draws/events, and your responses to voluntary customer satisfaction surveys.
5: SHARING YOUR INFORMATION
We may share your personal information with third parties for the reasons outlined above. Unless required to by law, we would never share your personal data without the appropriate care and necessary safeguards being in place.
In particular we may share information with:
An individual you have authorised us to speak with us on your behalf
Financial crime & fraud prevention agencies
Claims and Underwriting Exchange and other databases
Credit search and identity check
In some cases we might need to share information to carry out the services we have promised to carry out, for example if you require urgent medical assistance abroad. In such an urgent situation we may not always have the time to put in place the type of agreement we would normally want to.
6: OTHERS ACTING ON YOUR BEHALF
You have given us written authorisation nominating the individual you wish to act on your behalf
They are your legal representative, or
They are your attorney through a lasting power of attorney or enduring power of attorney.
7: HOW LONG WE KEEP YOUR INFORMATION FOR
Here are some general guidelines:
8: MARKETING AND DIGITAL DATA
IPH strongly believes in keeping the personal information you have entrusted to us private and protected, and we will never provide your personal information to third parties for marketing purposes.
You may control which methods of direct marketing you receive from us:
What digital data we use
Cookie name Party What it’s used for
Google analytics cookies First party To analyse your use of our website, including the time you spend on the site, the number of pages you visit, etc
9: YOUR RIGHTS
11: HOW TO CONTACT US
IPH House, Stirling Way
Fax +44 (0)20 8207 2878