As an insurance broker/intermediary, we need to collect personal data in order to perform our services for you.
We will need to collect and process information about you (which includes details of your financial history and any criminal convictions); your business (including any other partners/directors/shareholders); assets (which may include personal assets); as well as any previous claims and potential liabilities to accurately assess your requirements.
This data is required for us to obtain, place and service any insurance policies for you.
In the event of a claim, we may be required to obtain further personal information, including data about any third parties involved.
The data collect and process the includes (but is not limited to) the following Personal Data:
Individual details – name, address (and proof of address), other contact details (e.g. email and telephone details), gender, marital status, family details, date and place of birth, employer, job title and employment history, relationship to the policyholder, insured, beneficiary or claimant;
Identification details – identification numbers issued by government bodies or agencies (e.g. depending on the country you are in, social security or national insurance number, passport number, ID number, tax identification number, driver’s licence number).
Financial information – payment card number, bank account number and account details, income and other financial information.
Insured risk – information about the insured risk, which contains Personal Data and may include, only to the extent relevant to the risk being insured:
- Health data – current or former physical or mental medical conditions, health status, injury or disability information, medical procedures performed, relevant personal habits (e.g. smoking or consumption of alcohol), prescription information, medical history
- Criminal records data – criminal convictions, including driving offences
- Other special categories of Personal Data – racial or ethnic origin, political opinions, religious or philosophical beliefs, trade union membership, genetic data, biometric data, data concerning an individual’s sex life or sexual orientation
- Policy information – information about the quotes individuals receive and the policies they obtain.
Credit and anti-fraud data – credit history and credit score, information about fraud convictions, allegations of crimes and sanctions details received from various anti-fraud and sanctions databases, or regulators or law enforcement agencies.
Previous claims – information about previous claims, which may include health data, criminal records data and other special categories of Personal Data (as described in the Insured Risk definition above).
Current claims – information about current claims, which may include health data, criminal records data and other special categories of Personal Data (as described in the Insured Risk definition above).
Marketing data – whether or not the individual has consented to receive marketing from us and/or from third parties.
Website and communication usage – details of your visits to our websites and information collected through cookies and other tracking technologies, including, but not limited to, your IP address and domain name, your browser version and operating system, traffic data, location data, web logs and other communication data, and the resources that you access.
Where we collect such information directly from individuals, we will inform them of whether the information is required and the consequences of not providing it on the relevant form.