Who will have access to your data?
- Data will be used by Zurich in the manner set out below (see "How will we use personal data?").
What will we collect?
- We will collect names, addresses and other details provided by you when you contact us with a question or to obtain a quotation for one of our products or services.
- The information we collect may be held on computer and passed to other insurers and re-insurers for underwriting and claims purposes.
Searches against publicly available sources
If you request a quotation, we may conduct searches about you using external data sources such as the edited electoral roll, county court judgments and the Claims & Underwriting Exchange to assess your application for insurance, to provide you with a renewal quotation and to check the accuracy of your information. These searches may be recorded by credit reference agencies but they will not affect your credit standing.
If you would like to discuss this type of search further, then please use the Contact Us facility on the website, or call us on 0800 408 0977.
How will we use personal data?
- We will use the personal data you provide to us under the Contact Us facility to answer your request. Once you have inserted your details we may disclose this information to companies within the Zurich Insurance Group, service providers and agents so that they can send you relevant information or contact you about the product in question.
How to opt out of being contacted for marketing purposes
We would like to keep you informed about carefully selected products and services via mail, email, telephone and SMS. We may also share personal data you provide with other companies within the Zurich Insurance Group so they can contact you in the same way. We will not share your details with any other third parties for marketing purposes.
If you have agreed to be contacted in this way and wish to change your preferences you can let us know by emailing email@example.com or calling us on 0800 408 0977.
Policy administration & underwriting
In order to administer your insurance policy and any claims made against the policy, Zurich Insurance plc may share personal information provided to us with other companies within the Zurich Insurance Group and with business partners, including companies inside and outside the European Economic Area. If we do transfer your personal information, including where we propose a change of underwriter, we make sure that it is appropriately protected.
Fraud prevention & detection
In order to prevent and detect fraud, we may at any time:
- Share information about you with other organisations including the police
- Conduct searches about you using publicly available databases
- Undertake credit searches
- Check and/or share your details with fraud prevention and detection agencies
If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies. Law enforcement agencies may access and use this information. We and other organisations may also access and use this information 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
- Recovering debt and tracing beneficiaries
- Checking details on proposal and claims for all types of insurance
- Checking details of job applicants and employees.
Please use the Contact Us facility on the website or contact us on the number shown on your policy documentation if you want to receive details of the relevant fraud prevention agencies. We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.
Insurers pass information to the Claims and Underwriting Exchange Register, run by Insurance Database Services Ltd (IDSL) and the Motor Insurance Anti-Fraud and Theft Register, run by the Association of British Insurers (ABI). This helps us check information provided and prevent fraudulent claims.
Under the conditions of your policy you must tell us about any insurance related incidents (such as fire, water damage, theft or an accident) whether or not they give rise to a claim. When you tell us about an incident we will pass information relating to it to the relevant database. We and other insurers may search these databases when you apply for insurance, in the event of any incident or claim, or at time of renewal to validate your claims history or that of any other person or property likely to be involved in the policy or claim.
Motor Insurance Database
Information relating to your insurance policy will be added to the Motor Insurance Database (MID) managed by the Motor Insurers’ Bureau (MIB). MID and the data stored on it may be used by certain statutory and/or authorised bodies including the police, the DVLA, the DVANI, the Insurance Fraud Bureau and other bodies permitted by law for purposes not limited to but including:
- continuous insurance enforcement
- law enforcement (prevention, detection, apprehension and/or prosecution of offenders)
- the provision of government services and/or other services aimed at reducing the level and incidence of uninsured driving.
If a vehicle of yours is involved in a road traffic accident (either in the United Kingdom, the EEA or certain other territories), insurers and/or the MIB may search the MID to obtain relevant information. Persons (including their appointed representatives) pursuing a claim in respect of a road traffic accident (including citizens of other countries) may also obtain relevant information which is held on the MID. It is vital that the MID holds correct registration numbers for your vehicles. If incorrect details for any of your vehicles are shown on the MID you are at risk of having the relevant vehicle seized by the police. You can check that correct registration number details for your vehicles are shown on the MID at www.askmid.com.