Data Protection Notice

Please read this data protection notice carefully as it explains how we use your personal information.

In this data protection notice, “we”, “us” and “our” refers to Eridge Underwriting Agency Limited and Accredited Insurance (Europe) Limited as stated on your schedule, unless otherwise stated.

This section contains important information about how we may use the information you give us. This section applies to anyone covered under your Policy and you should show this to them and obtain their permission before giving us their personal information.

Information you provide about you and others may be used by us to process your request for insurance, administer your Policy or any subsequent claim you make – see “How We Use the Information” below. We will do this in accordance with the General Data Protection Regulations (GDPR), Data Protection Act and other applicable laws.

In order to assess the terms of your insurance contract or administer claims that arise under it, we may need to collect data that is classed as special category data (such as information about drivers’ medical conditions) and information about criminal convictions including motoring offences.

Before you provide any information about someone else (e.g. an additional driver) you must have their permission to do so. We will act on the basis that you have done this.

Information We Hold

We collect and retain your information when you purchase an insurance Policy with us, renew or make changes to your Policy and when contacting our claims department. We only collect, use and store your information where we have lawful grounds and legitimate business reasons to do so.

Information we store about you may include:

  • Personal information; any information relating to a living person that can be used to directly and indirectly identify that person.
  • Medical Conditions.
  • Criminal Convictions.

You should let us know whenever your, or any additional drivers’, personal details change. Your Policy and the cost of your insurance are based on the information you have given us. It is very important that this is kept up to date. 

Failure to notify us of a change to the Policy information may result in your Policy being cancelled from the start date, additional premium being applied, or your claim being rejected or not paid in full. 

We will keep your information as long as we need to for the purposes as outlined in this notice. We will retain your information for these purposes after your Policy has come to an end; for instance, so we can respond to any complaints or challenges, which may arise after the period of insurance has expired. This will, usually, be a minimum period of seven years or otherwise, as determined by law or regulation.

Communication Recording

We may monitor or record telephone calls, emails text messages and other communications from you, with the purpose to:

  • Provide a record of the instructions received from you.
  • Help monitor quality standards and assist with staff training.
  • Meet legal and regulatory requirements.

How We Use the Information

At quotation, renewal and if you make any changes during the period of insurance, we will use the information you provide us relating to anyone insured under your Policy, to:

  • Maintain and update your Policy;
  • Record and process claims;
  • Understand customer’s’ needs and requirements;
  • Carry out research and analysis about our products and services;
  • Assess the premium and terms and conditions we offer which involves automated decision making;
  • Prevent and detect crime, including fraud.

To validate the information you have provided, we may obtain information about you and additional drivers from third parties such as credit reference agencies, fraud prevention agencies and other databases and with other companies that help us provide our services. We may also check your claims history from other sources including, but not limited to, the DVLA and the Claims and Underwriting Exchange (CUE). When you tell us about an incident which may or may not give rise to a claim, we will pass information relating to it to these registers.

We may also search your (or any person included on the proposal) Driving Licence Number (DLN) against details held by the DVLA to confirm your licence status, entitlement and restriction information and endorsement/conviction data. Searches may be carried out prior to and at any point during the period of insurance, including mid-term adjustment(s) and at renewal stage.

The DLN may also be used to search your (or any person included on the proposal) No Claim Discount (NCD) details against a no claims discount database to obtain information in relation to your NCD entitlement. Such searches may be carried out against driving licence number, name, date of birth, Vehicle Registration Mark (VRM) and postcode.

We may pass details of your No Claims Discount (NCD) to certain organisations to be recorded on an NCD database. This will occur if information required updating or correcting at any stage and also at the renewal stage of your Policy and upon or after the cancellation of your Policy prior to the expiry date.

Sharing Data

We will share your information:

  • Where we have to do so or where we are allowed to do so by law;
  • With statutory bodies and regulatory bodies; or
  • With third party agencies including but not limited to, credit reference agencies, the Claims and Underwriting Exchange (CUE) and fraud prevention agencies for the purposes explained in this notice;
  • With other companies that help us to provide our services;
  • With other insurers or reinsurers;
  • With named drivers where they are your spouse or partner and anyone you nominate to act on your behalf;
  • In other circumstances where we have your permission.

 Your personal data won’t be used for marketing, unless you have given us permission. It will only be shared within organisations involved with the administration of your Policy, claim or as otherwise set out in this Data Protection Notice.

Under the terms of your Policy, you must tell us about any incident (such as an accident or theft) which may or may not give rise to a claim. When you tell us about an incident, we will pass information relating to it to the Claims and Underwriting Exchange (CUE) and other appropriate agencies.

We may transfer your personal information outside of the United Kingdom, where necessary and only where we can be sure your information will be adequately protected. These transfers are governed by European Union (EU) standard contractual clauses or equivalent data transfer agreements to protect the security and confidentiality of personal information.

Motor Insurance Database

Information relating to your 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:

  • Electronic Licensing.
  • 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 you are involved in a road traffic accident (either in the UK, EEA or certain other territories), insurers and/or MIB may search the MID to obtain relevant information. Other persons (including their appointed representatives) pursuing a claim in respect of a road traffic accident (including citizens of other countries) may also obtain information which is held on the MID.

It is vital that the MID holds your correct registration number. If it is incorrectly shown on MID, you are at risk of having your vehicle seized by the Police. You can check that your correct registration number details are shown on the MID at

Preventing Fraud

During the course of your Policy we may share information we hold and which has been supplied to us with other insurers, law enforcement agencies and public bodies including the police and other similar databases or fraud prevention agencies including the Motor Insurance Anti-Fraud and Theft register administered by the Motor Insurers’ Bureau. The aim is to help us check information that is given to us and to prevent or detect crime, including fraud.

If we find that false or inaccurate information has been given to us, or we suspect fraud, we will take appropriate action. If fraud is suspected or identified this may be shared with fraud prevention agencies, and may also be used by other organisations to make decisions about you and others in your household on credit, insurance (including claims), debt tracing and to prevent crime. If such companies suspect fraud, we will share your relevant personal information with them. We may research, collect and use data about you from publicly available sources including social media and networking sites, using this data for the purposes of fraud detection and prevention.

Your Data Protection Rights

Under data protection legislation, you have the following legal rights:

  • The right to be informed about our data processing activities, including through data protection notices such as this.
  • The right of access to the personal information we hold about you.
  • The right of rectification. You may ask us to correct any inaccurate or incomplete data.
  • The right to erasure and to restrict processing of your data except where we have a legal obligation to process your personal information.
  • The right to data portability. On your request, we will provide you with your personal data in an electronic format.
  • The right to object to direct marketing, automated decision-making and profiling.

We will make all reasonable efforts to delete or, where applicable, anonymise your information, where we no longer need to use it for the purpose we collected it from you, or where you have either withdrawn your consent to us using your information (if we originally asked for your explicit consent to use your information for certain purposes such as marketing), or exercised your right to object to further legitimate use of your information.

We may not always have to comply with your request to delete your information, for example: if we need to keep using your personal information in order to comply with our legal obligations or where we need to use it to establish, exercise or defend legal claims.

If you require more information about how your data is used and would like to invoke any of your rights, please contact Eridge Underwriting Agency Ltd at the following address:

Data Protection Officer, Eridge Underwriting Agency Ltd, 22-23 London Road, Tunbridge Wells, Kent, TN1 1DA

In all cases please give your name, address and (if you have one) your insurance Policy number.