Privacy Notice

This privacy notice relates to the following types of individuals, where we hold your personal information:

• Individuals who are clients, including prospective clients who have received an insurance quotation, former clients who have previously held an insurance policy with us, and client representatives, for example those with power of attorney;
• Our business/corporate clients and their employees, including prospective and former clients and client representatives;
• Visitors to our websites;
• Individuals who contact us with a query, concern or complaint;
• Individuals named on our insurance policies, such as named drivers, joint policy holders, or beneficiaries;
• Individuals who request information from us or permit us to contact them for marketing purposes;
• Third parties who make a claim against or are subject to a claim from one of our policyholders in relation to a collision, accident or other insured event.

There are other types of individuals who this privacy notice does not relate to, for example our employees and sub-contractors (including prospective and former employees and sub-contractors), employees of our current, former or prospective business partners and service suppliers, and members of the press.

If you are one of these individuals and would like further information on how we collect, use and store your data, please contact us. Our contact details are shown in the “how you can contact us” section of this notice.

Who we are

We are Eridge Underwriting.

• Our full company name is Eridge Underwriting Agency Limited;
• We are registered in England under company number 09574780. Our registered office address is 2nd Floor, St James House, 27-43 Eastern Road, Romford, Essex, RM1 3NH;
• We are also part of the Howden group of companies;
• We are regulated in the UK by the Financial Conduct Authority (FCA) under reference number 754644;
• We are registered with the Information Commissioner’s Office (ICO) under registration ZA169505.

 A few definitions

To be clear on what we mean in this privacy notice:

• “we” and “us” means Eridge Underwriting;
• “the Howden Group” means Howden Group Holdings Limited and any company or organisation in which Howden Group Holdings Limited holds significant share capital. You can find more information about the other companies in the Howden Group by visiting howdengroupholdings.com;
• “third-party” means someone who isn’t you, us or the Howden Group.

How you can contact us

We take data privacy seriously and your opinion matters to us. If you have any questions about this policy or how we use your information you can contact us in the following ways:

By e-mail: info@eridgeunderwriting.com

By post: 22-23 London Road, Tunbridge Wells, Kent TN1 1DA

We collect your information and use it in different ways depending on your relationship with us and how you have interacted with us. This can include information we share with or receive from other third parties.

The lawful ways we use your data

We use your information for the following lawful reasons:

• To enter into or perform a contract; for example, to provide you with an insurance quotation, to start, change or cancel an insurance policy, to manage any claims which arise, to answer any queries you may have, action your requests or perform any debt recovery.
• To comply with a legal obligation; for example, the rules set by our regulator the Financial Conduct Authority (FCA), to fulfil your data rights under data privacy laws, handle complaints about data privacy or our financial products and services and to comply with other legal requirements;
•  For our legitimate business interests; for example, to detect and prevent fraud, money laundering and other financial crimes, monitor and improve our business and our products and services, demonstrate compliance with applicable laws and regulations, handle legal claims, respond to other types of complaint not previously mentioned, and some marketing activities. Where we rely on this lawful reason, we assess our business needs to ensure they are proportionate and do not affect your rights. In some instances, you also have the right to object to this kind of use. For more information, visit the “Your data rights” section of this notice.
• With your consent; for example, when you ask us to provide you with information or permit us to contact you for marketing purposes. You can withdraw your consent at any time, for more information please visit the “Your data rights” section of this notice.
•  To protect vital interests: in extreme or unusual circumstances, we may need to use your information to protect your life or the lives of others.

 When we collect your personal data

We collect personal data from you when:

• You request an insurance quotation from us, either directly or via a third-party price comparison website when they have permission to share your information with us;
• When you are named on the insurance policy of another individual, for example as a named driver on a vehicle insurance policy or a joint policy holder; You purchase, change or cancel an insurance policy;
• We need to manage a claim made against your policy or that you bring against one of our policyholders; You contact us to request information or to make a complaint;
• You visit our website or the websites of other Howden Group companies;
• You take part in a competition, prize draw or survey; You have given permission to other companies to share your information with us;
• You have made your information publicly available, and we have a legitimate reason to review it.

We also collect your information from other third-party sources where we have legal grounds to do so. These include anti-fraud and crime prevention agencies, credit reference data providers.

We use cookies (small text files stored in your web browser) and other techniques to monitor how you use our website. For more information on what these are and how to opt out of these, please see our Cookies Policy.

Depending on your relationship with us, we may hold the following types of information about you:

Identity and contact data: for example, your name, date of birth, postal address, telephone number and e-mail address.

Payment and account data: for example, your bank account details, credit/debit card details and information about your purchases with us, including any payment plans or arrears.

Location data: For example, your postal or IP address, the location of any insured property, and in the event of a claim, where the collision, theft or other incident occurred.

Correspondence data: for example, copies of letters and e-mails we send you or you send to us, and notes or call recordings of any telephone conversations.

Internet data: for example, information collected by cookies and other online technologies such as Facebook pixels and Google Analytics, as you use our website or contact us by online methods.

You can find more information about the information we collect using cookies and other technologies in our Cookies Notice.

Information we obtain from other sources; including credit agencies, anti-fraud and other financial crime prevention agencies, price comparison websites, and other data providers. This can include demographic data and interest-based data.

Complaint data: for example, what the complaint was, how we investigated it and how we resolved it, including any contact with the Financial Ombudsman Service or other third-party adjudicator services.

Some of our processes combine different sets of information we hold. This can include combining different data sets we have about you or combining your information with that of other individuals.

Some of the information we collect about you may be sensitive, for example data relating to your health and any medical conditions, or data relating to criminal convictions. We only collect this information where it is relevant to do so, such as:

• When it is relevant to the type of insurance you are enquiring about, have purchased, previously held or that you have been named on;
•  When it is relevant to a claim you have made or that someone else has made against you;
• Where it is relevant to a complaint or issue you have raised with us, and;
• To arrange alternate forms of correspondence for you, such as Braille, audio format or Touch-Type services.

Certain types of information are known as “special categories” under data protection law, and receive additional protection due to their sensitivity, for example information that reveals your race or ethnicity, your political views or your religious beliefs. We only use these types of data with your explicit consent, or to protect your vital interests or when it is necessary to meet a lawful purpose under the current legislation.

We share information concerning your request for a quotation and your insurance policy with LexisNexis, who help us check your identity and assess your insurance risk. They do this by collecting data about you from public sources and private databases, for example the electoral register, the Insolvency Service and insurer records.

You can find out more about who LexisNexis are, how they obtain and use your data, who they share it with and your data rights relating to their activities in their own Privacy Notice, which is available here.  LexisNexis Risk Solutions

Where applicable, we share your personal information with the following types of third parties when we have a valid reason to do so;

• Other companies in the Howden Group;
• Business partners, brokers, intermediaries, suppliers and agents involved in delivering products and services to you, including additional products purchased alongside your insurance policy such as breakdown cover or legal expenses cover;
• Price comparison websites and other similar companies who offer ways to research and apply for financial products and services;
• Credit reference, credit scoring and fraud prevention agencies;
• Debt collection agencies;
• Law enforcement, government bodies, regulatory organisations, courts and public authorities, for example the Financial Conduct Authority (FCA), The Financial Ombudsman Service, The Information Commissioner’s Office (ICO) and HMRC;
• Our panel of insurers and, where necessary, other insurers and those acting on their behalf, for example loss adjusters, solicitors and claims experts;
• Centralised insurance databases such as the Claims and Underwriting Exchange (CUE), the DVLA/DVA (NI), the Insurance Fraud Bureau (IFB) and the Motor Insurance Database (MID); Media agencies and other marketing organisations that we advertise with or conduct marketing activities through;
• A third party where disclosure is required to comply with legal or regulatory requirements;
• Personal representatives appointed by you to act on your behalf, or those appointed to represent a third-party claimant.

For business purposes, to help prevent/detect crime or where required by Law or Regulation, we may need to transfer your personal data to parties based overseas. Where we do this, we will ensure that your information is protected in accordance with the applicable Data Protection requirements.

If the Data Protection laws of the country that the recipient of your data is based in are not recognised as providing sufficient protection by UK law, we will ensure that the recipient enters into a formal legal agreement that reflects the standards required.

You have the right to ask us for more information about the safeguards we use when sending your personal data overseas. You can request more information by contacting us on the details shown in the “how you can contact us” section of this notice.

We retain information about you and the products you purchase to meet a number of legal and regulatory requirements, as well as our own legitimate business interests. For the period we retain your information, it is held securely by us or by third-party service suppliers contracted to store it on our behalf.

Our retention policy gives further information on the types of information we retain, how long we hold it for and why we hold it. You can request a copy by contacting us on the details shown in the “how you can contact us” section of this notice.

We use the information you provide to build a profile of you. We use this to assess whether we are able to offer you an insurance product and to determine the specifics of an insurance policy, for example the premium you pay and the compulsory excess for any claim. Much of the use of your data is done by “automated means” (done by computer without significant intervention by human beings), and this includes some of the decisions we make using your information, for example whether we can offer you insurance cover, the premium you pay and the terms of the policy.

You have rights in relation to automated decision-making and profiling. See the “your data rights” section of this notice for more information.

Where we collect information from you in relation to insurance products and services, you are under a legal duty to give us information.

If you are a personal client – that is, someone buying insurance which is wholly or largely unrelated to their profession, you are under a legal duty to answer all questions we ask fully and honestly, to the best of your knowledge. This is known as a “duty to take reasonable care not to make a misrepresentation” and is a requirement of the Consumer Insurance (Disclosure & Representations) Act 2012.

Business and commercial clients are under similar duty, known as “fair presentation”. This means that, in addition to answering our questions fully and honestly, you must also make reasonable searches for and disclose any significant or material facts which are relevant to the insurance being arranged. This includes reasonable searches of information available to other interested parties, such as agents and other people or organisations covered by the insurance and is a requirement of the Insurance Act 2015.

We will provide you with further information on these legal duties, including which duty is applicable to you, when we arrange your insurance.

Failing to answer all questions asked fully and honestly and failing to make reasonable searches or disclose material facts relevant to the insurance policy if you are a business client, may lead to a higher premium being payable, special terms or a higher excess being imposed, or the policy being cancelled or voided.

Data protection law gives you rights relating to your personal information. This section gives you an overview of these and how they relate to the information you give us.

The UK supervisory authority for data rights, the Information Commissioner’s Office (ICO), has also published detailed information about your rights on their website: www.ico.org.uk.

Your right to access

You have a right to request copies of the personal information we hold on you, along with meaningful information on how it is used and who we share it with.

This right always applies, but there are some instances where we may not be able to provide you with all the information we hold. If this is the case, we will confirm why we are unable to provide it – unless there is a valid legal reason that means we cannot let you know why.

Your right to rectification

If information we hold is inaccurate or incomplete, and this has an impact on the way we are using your data, you have the right to have any inaccuracies corrected and for any incomplete data to be completed.

If you ask us to rectify your information, we will either confirm to you that this has been done, or if there is a valid reason that this cannot be done, we will let you know why.

Your right to erasure (the right to “be forgotten”)

You have the right to request that your personal information is erased in certain circumstances.

If you ask us to erase your information, we will either confirm to you that this has been done, or if we are unable to delete it, let you know why and also inform you how long we will hold it for. For more information, see the “retaining and destroying data” section of this notice.

Your right to restrict processing

You can ask us to restrict the use of your information in certain circumstances.

If you ask us to restrict your information, we will either confirm to you that this has been done, or if we are unable to restrict it, we will inform you why.

Your right to object to direct marketing

You can object to receiving direct marketing from us.

If you do so, we will ensure that you do not receive such material going forward, unless you change your mind and specifically request it in the future.

Your right to object to automated decision making

You can object to decisions made about you using your information and undertaken by purely automated means.

If you do so, we will arrange for someone to assess the automated decision and confirm the outcome of this assessment to you.

Your right to challenge our legitimate interests

You can challenge the use of your personal data where we use a legitimate business interest as a lawful basis to process your information. You can find more information on when we use this lawful basis in the “lawful ways we use your data” section of this notice.

If you do so, we will either confirm to you that the processing has stopped, or there is a valid reason for the processing to continue, we will inform you why.

Your right to object to the use of your information for statistical purposes

You can object to us using your information for statistical purposes in some instances.

If you do so, we will either confirm to you that the processing has stopped, or there is a valid reason for the processing to continue, we will inform you why.

 Your right to data portability

In certain circumstances, you have the right to request that your information be compiled into a common, machine-readable format and either provided directly to you or sent by us to a third-party you nominate.

If you request this, we will either act upon your instruction and confirm to you that we have done so, or if there is a valid reason that this cannot be done, we will tell you why.

Your right to complain

If you are unhappy with how we have used your data or if you believe we have failed to fulfil your data rights, you have the right to complain to us, and can contact us to raise your concerns using the details shown in the “how you can contact us” section of this notice.

If you remain unhappy with our response you may raise a complaint with a supervisory authority responsible for data protection and privacy.

In the UK, the supervisory authority is the Information Commissioner’s Office (ICO), who can be contacted using the following details:

By e-mail: casework@ico.org.uk

By telephone: 0303 123 1113

By post: The Information Commissioner’s Office, Wycliffe House, Water Lane, Wilmslow, SK9 5AF.

You can exercise any of your data rights by contacting us using the information in the “how you can contact us” section of this notice and telling us which right or rights you would like to exercise.

Zurich takes the privacy and security of your personal information seriously. We collect, use and share your personal information so that we can provide policies and services that meet your insurance needs, in accordance with applicable data protection laws.

The type of personal information we will collect includes: basic personal information (i.e. name, address and date of birth), occupation and financial details, health and family information, claims and convictions information and where you have requested other individuals be included in the arrangement, personal information about those individuals.

We and our selected third parties will only collect and use personal information (i) where the processing is necessary in connection with providing a quotation and/or contract of insurance; (ii) to meet our legal or regulatory obligations; (iii) where you have provided the appropriate consent; (iv) for our ‘legitimate interests’.

It is in our legitimate interests to collect personal information as it provides us with the information that we need to provide our services more effectively including providing information about our products and services. We will always ensure that we keep the amount of information collected and the extent of any processing to the absolute minimum to meet this legitimate interest.

A full copy of our data protection statement can be viewed via www.zurich.co.uk/dataprotection

How you can contact us

If you have any questions or queries about how we use your data, or require a paper copy of the statement, you can contact us via gbz.general.data.protection@uk.zurich.com or alternatively contact our Data Protection Officer at Zurich Insurance, Unity Place, 1 Carfax Close, Swindon, SN1 1AP.