The Privacy Policies
If a customer wants to know more about Bellegrove Ltd go to www.bellegroveltd.com
The privacy and security of customer’s personal information is very important to us so we want to assure a customer that customer’s information will be properly managed and protected whilst in our hands.
Please read this notice carefully as it explains how we and/or carefully selected third parties we work with, collect and use customer’s personal information. A customer can ask for further information about our use of customer’s personal information or complain about its use, by contacting our Data Controller at: Bellegrove Ltd, Yorkshire House, 110-112 Broadway, Bexleyheath Kent, DA6 7DQ
In order for us to provide our services to a customer and to manage those services we will ask a customer to share customer’s personal information with us. The circumstances in which we use customer’s information, the reasons why we ask for it and details of how we will use it are explained in section 3 of this notice. The information we collect about a customer varies depending on customer’s particular circumstances and requirements and may include, for example:
- general information about a customer such as customer’s name, address, contact details and date of birth;
- information about what and/or who a customer wants to insure, such as vehicle details and named drivers, customer’s home, travel details and companions;
- customer’s claims and credit history;
- financial details, such as bank account and card details;
- sensitive personal information, such as customer’s health and criminal convictions;
- information about customer’s use of our website such as customer’s IP address, which is a unique number identifying customer’s computer. We may collect personal information from the following sources:
- a customer or someone connected to a customer as part of a quotation or claim;
- publicly available sources of information, such as social media and networking sites;
- third party databases made available to the insurance industry as well as databases where a customer have given customer’s permission to share information with a third party like us. For more information about these sources, please contact the Data Protection Officer using the details set out in section 1 of this notice;
- price comparison websites, if a customer have obtained a quotation for a policy with us. The information a customer provided is shared with us and used for the purposes set out in section 3 of this notice. The information in this notice will apply in addition to any information given to a customer by that price comparison website about the use of customer’s personal information. If a customer has provided information to us about someone else, a customer would have confirmed that a customer has the consent of these individuals to share their personal information with us. A customer should share this privacy notice with all individuals whose personal information a customer has shared with us as it may also apply to them.
We and/or our carefully selected third parties may collect and use customer’s personal information under the following circumstances or for the following reasons:
a) To provide a customer services relating to an insurance quotation and/or insurance policy such as:
- assessing customer’s insurance application and arranging customer’s insurance policy, such as checking databases showing no claims discount entitlement and driving licence records;
- managing customer’s insurance policy including claims handling and issuing policy documentation to a customer;
- providing a customer with the services described in customer’s policy documents.
The collection and use of information such as customer’s name, address, date of birth, claims history, what/who a customer would like to insure, medical conditions for travel insurance and conviction details for motor insurance is necessary to provide a customer with a quotation and/or policy. Without this information, we will be unable to assess customer’s application and/or provide claims services. Our assessment of customer’s insurance application may involve an automated decision to determine whether we are able to provide a quotation and/or the price. The decisions involve the use of systems, such as our price rating and acceptability tools, and are dependent on the information a customer provide us (for example: post code, vehicle type and conviction details for motor insurance, health details for travel insurance and/or type of property for home insurance) to produce a result as to whether we are able to provide a quotation and/or what the relevant price for customer’s policy should be. If a customer object to an automated decision that is required to determine customer’s insurance premium then we will be unable to provide a customer with an insurance quotation or renewal.
b) Where we have a justifiable reason, such as:
- keeping records about a customer and our correspondence with a customer as well as customer’s current and past insurance policies and history of insurance claims. This is so that we can appropriately and effectively manage our relationship with a customer as well as satisfy any legal and regulatory obligations we may have to keep such records.
- preventing and detecting fraud, financial crime and anti money-laundering. We may use customer’s personal information to prevent fraud and in doing so may:
- collect personal information about a customer from databases as described in this notice and from publicly available sources (such as social media and networking sites);
- check customer’s personal information against databases including databases showing no claims discount entitlement and driving licence records;
- share customer’s personal information with fraud prevention agencies. Customer’s personal information will be checked with and recorded by a fraud prevention agency. If false or inaccurate information is provided and fraud is identified, details will be passed to the fraud prevention agency. This information will be accessed and used by us, law enforcement agencies and other organisations to prevent fraud and money laundering, for example: when checking details on applications for credit and credit related or other facilities; managing credit and credit related accounts or facilities; recording debt; checking details on proposals and claims for all types of insurance; and checking details of job applicants and employees. Other organisations may search the databases held by these fraud prevention agencies when a customer make an application to them for financial products. If such companies suspect fraud, we will share customer’s personal information with them. The information we share may be used by those companies when making decisions about a customer. We and other organisations may access and use, from other countries, the information recorded by fraud prevention agencies.
- share customer’s personal information with operators or registers available to the insurance industry to check information a customer provides. These include the Claims and Underwriting Exchange Register and Motor Insurance Anti-Fraud and Theft Register. We may pass information relating to customer’s insurance policy and any incident to the operators of these registers, their agents and suppliers;
- (for Motor Insurance only) 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 a customer is involved in an accident in the UK or abroad, the MID may be searched to obtain relevant policy information. A customer can find out more at www.mib.org.uk;
- use any personal information obtained about a customer, or anyone a customer has provided us information about, to carry out the above profiling activity as part of our investigations into fraudulent behaviour. Should fraud be identified as a result of such profiling activity, this could result in the rejection of an application for insurance, a claim and/or voidance of customer’s policy.
- using information collected from databases we use together with the personal information a customer gives us, to help us to improve and develop our internal databases and systems (such as those used for assessing the risks we insure and communicating with a customer) in order to improve the products and services we offer. For more information about how we communicate our products and services, please refer to section 4 of this notice.
- we may anonymise and combine the information a customer has given us to understand more about a customer, create new products and services as well as helping us with our marketing.
c) A customer has given us customer’s permission:
- To use customer’s sensitive personal information in order to provide a customer with a quotation, price and/or the services set out in customer’s policy documents for example: handling claims or for making reasonable adjustments as a result of a disability a customer have told us about or customer’s religious beliefs. Where a customer has provided sensitive personal information about someone connected to a customer, for example named drivers, a customer would have confirmed that a customer have their permission to share this information with us.
c) For details about how we use customer’s information to communicate our similar products and/or services, customer’s use of our websites and email communications, please refer to section 4 of this notice.
We may share customer’s information with third parties in order to carry out the above activities. For further details about who we might share customer’s information with, please refer to section 5 of this notice.
We will contact a customer, in order to communicate our products and/or services to a customer which we believe may be of interest to a customer and which relate to customer’s general insurance needs. This activity is only applicable to Bellegrove Ltd There may be times when we will require customer’s permission to provide information about products and services to a customer, such as:
- where the product or service is not similar to those that we currently provide to a customer but we believe a customer may be interested in it; or
- when a customer has opted out of us sending details of or contacting a customer in relation to the products and services we offer. We may communicate with a customer by post, email, SMS, telephone and/or digital methods such as social media and online advertising, unless a customer has told us a customer do not want us to. Where a customer no longer holds a policy with us or we have provided a customer with a quote in the past, we will keep a customer informed about our products and services for a period of up to 3 years if contacting a customer by telephone or for up to 5 years if contacting a customer via other means. We may look to develop and enhance the information we hold about a customer with the aim of improving our product and service offerings and how we communicate these to a customer, where a customer has given us permission or where we believe that our products and service may be of interest to a customer. We may collect personal information about a customer or share customer’s information with carefully selected third party databases which, when combined with the personal information a customer has given us, helps us to target and tailor communications which we believe may be more relevant to a customer. For further information about the third party databases we use, please contact the Data Protection Officer using the details set out in section 1 of this notice. We may also contact a customer if a customer fails to complete an online quotation to see if we can offer a customer any help with this. A customer can ask us to stop contacting a customer about our products and services by:
- email – Info@bellegroveltd.com
We may share customer’s personal information with:
- other insurers, business partners, agents or carefully selected third parties providing a service to us or on our behalf, such as: processing our mail, communicating with customers on our behalf via social media, providing IT systems and administrative services, claims handling services and the development and improvement of our internal databases
- organisations that have a specific role laid out in law such as statutory bodies, regulatory authorities and other authorised bodies;
- other organisations where we have a duty to or are permitted to disclose customer’s personal information by law (e.g. if we received a valid request from the police or other third party organisation in the interest of preventing and detecting crime);
- fraud prevention agencies and operators of registers available to the insurance industry to check information and prevent fraud. This is outlined in more detail under section 3 of this privacy notice;
- credit reference agencies to check customer’s credit history. This check will be recorded on customer’s credit reference file without affecting customer’s ability to apply for credit or other financial products;
- third parties we use to recover money a customer may owe us or to whom we may sell customer’s debt;
- another company, if our business or part of it is bought or taken over by that company to ensure customer’s insurance policy can continue to be serviced or as part of preliminary discussions with that company about a possible sale or take over;
- other companies when we are trialling their products and services which we consider may improve our services to a customer or our business processes;
- other third parties if a customer have given us customer’s permission to do so or there is sufficient reason to believe they are acting on customer’s behalf. Unless required by law, we would never share customer’s personal data without the appropriate and necessary care and safeguards being in place.
We will keep customer’s information only for as long as is reasonably necessary for the purposes set out in this privacy notice and to fulfil our legal and regulatory obligations. For further information about how long we will keep customer’s information, please contact the Data Controller using the contact details outlined in section 1 of this notice.
The personal information we and our carefully selected third parties collect from you may be transferred to, stored and processed outside the European Economic Area (EEA). We or our service providers may use cloud based computer systems (i.e. network of remote servers hosted on the internet which process and store your information) to which foreign law enforcement agencies may have the power to require access. We will not transfer your information outside the EEA unless it was to a country our information regulator has assessed as having adequate data protection laws, or we had taken all reasonable steps to ensure the firm has the necessary privacy and security controls in place to protect your information as if it were in the EEA. Our contracts with these firms will detail the necessary requirements to ensure your information is protected. We will assess these firm’s security arrangements from time to time ensuring that they are only using your information as agreed. Should you wish to obtain further information about the safeguards we have in place, please contact the Data Protection Officer whose contact details are outlined in section 1 of this notice.
To help manage customer’s insurance policy we will deal with individuals a customer nominates, including third parties we reasonably believe to be acting on customer’s behalf provided they are able to answer our security questions. However, for customer’s protection, we will need to speak to a customer directly, customer’s legal representative, someone a customer has nominated and given us permission to discuss customer’s personal details, or power of attorney should a customer require changes to customer’s contact address, policy coverage or to cancel the policy.
A customer has a number of rights concerning the personal information we use, these include the right to:
- ask for access to and a copy of customer’s personal information;
- ask us to correct or delete the personal information;
- ask us to restrict or object to the use of customer’s personal information at any time;
- where a customer has previously given us customer’s permission to use customer’s personal information, withdraw that permission. Where customer’s permission is withdrawn, customer’s previous consent will remain valid in respect of our use of customer’s information prior to the date a customer withdrew it, or if any marketing material has been sent prior to a customer advising that a customer do not wish us to contact a customer again;
- complain to the Information Commissioner’s Office at any time if a customer object to the way we use customer’s personal information. For more information please go to www.ico.org.uk;
- object to an automated decision including profiling. For details about the profiling activity we undertake, please refer to section 3 of this notice.
- A right “to be forgotten”. This means the customer can ask for the information we hold on them to be deleted from our records but this will mean we will be unable to continue the customer’s insurance arrangements. To discuss customer’s rights or make a request, please contact the Data Controller using the details outlined in section 1 of this notice. Please note that in some cases even when a customer makes a request concerning customer’s personal information, we may not be required, or may not be able, to honour it as this may result in us not being able to fulfil our legal and regulatory obligations or there is a minimum statutory period of time for which we have to keep a customer information. If this is the case, then we will let a customer know our reasons.
Emphasis on personal service with a dedicated account manager and an in house claims team