Privacy Notice (also known as 'Fair Processing Notice')
Table of Contents
Data Controller:
Premium Choice Insurance, Pendeford House, Pendeford Business Park, Overstrand, Wolverhampton, WV9 5AP
Contact for queries:
Claire Blaymire, [email protected]
Who we are and the importance of your privacy
The privacy and security of your information is important to us, we at Premium Choice Ltd will explain in this notice how we collect and use your personal information.
The Information we collect and where we get it from
In order for us to provide our services it is necessary to collect certain information from you to provide a quotation for a new policy or to renew your cover or administer your insurance policy. Usually this will be provided to us by you, or someone connected to you. If you have obtained a quote with us via a price comparison site this information is shared with us to provide our service to you.
How will we use the information you give us?
We will use your information to provide an insurance Contract and help you make a claim. This includes providing you with a quotation, arranging and administering your policy, renewals, and adjustments. We may require special category data from you, such as health or criminal conviction information. We do so on the basis that it is in the public interest for insurance to be available to you, and to fight crime.
As we are a regulated firm, your data will be used to ensure we meet legal and regulatory requirements. We also have a legitimate interest in using your data for business operations to ensure we can continue to provide insurance to you.
We may use your data to send you marketing information. This will either be on the basis that we have a legitimate interest to do so, or where you have consented. You will be able to withdraw your consent or unsubscribe easily at any time from these communications.
We also need to use your information to process payments, collect debts, and provide premium finance. This may include credit checks. This is also to provide an insurance Contract to you, or as we have a legitimate interest in providing these services and collecting debts.
| Purpose of Processing | Types of Personal Data | Lawful Basis |
|---|---|---|
| Insurance quotations, arranging and administering Insurance, claims, renewals and adjustments | Names, Addresses, contact details, Risk Information | Performance of a Contract |
| Insurance quotations, arranging and administering Insurance, claims, renewals and adjustments | Special Categories including Health and Criminal Convictions | Substantial Public Interest |
| Insurance quotations, arranging and administering Insurance, claims, renewals and adjustments | Driving Behaviour, Journey Information | Performance of a Contract |
| Legal and Regulatory compliance | Names, Addresses, Risk Information | Compliance with a Legal Obligation |
| Legal and Regulatory compliance | Special Categories including Health and Criminal Convictions | Substantial Public Interest |
| Business operations and administration | Names, Addresses, Risk Information | Legitimate Interest |
| Business operations and administration | Special Categories including Health and Criminal Convictions | Substantial Public Interest |
| Marketing | Names, Contact Details, Marketing Preferences | Legitimate Interest or Consent |
| Payments, debts, Premium Finance | Name, Address, Bank Details & Credit/Debit Card, Credit History | Performance of a Contract or Legitimate Interest |
Who will we share your data with?
To provide insurance, these firms will be Insurers, other insurance brokers, price comparison sites and firms handling claims. To meet our legal and regulatory obligations, they include regulatory bodies, legal and compliance services providers, fraud agencies and databases. To help run our operations including marketing, they include firms that provide information technology support to us. For payments, this includes finance providers, debt recovery, and payment services providers.
Third Party Websites
We are not responsible for the privacy policies and practices of other websites. We will always take great care to partner with other websites which maintain the same standards as present on our own website, but we cannot guarantee this. We advise you check the privacy policy on each website that you visit to find out how they will use your data.
Do we send your information outside the UK, EEA or EU?
If we have to transfer information to a third country outside the UK/EEA/EU, we will only do so if a similar level of protection applies.
How long will we keep your information?
We will only collect what is necessary and will only keep it for as long as we are required to do in line with our data retention policy.
| Type of Data | Reason for Retention | Retention Period |
|---|---|---|
| Quotations |
| 12 months |
| Insurance Policies |
| 7 years from end of contract |
What are my legal rights?
You can obtain a copy of your personal information from us without charge by contacting us at the address above. This may include the right to transfer information to other providers.
You have the right to ask us to correct information.
You have the right to ask us to delete your information or stop using it, unless it is necessary for us to retain it as set out in our retention policy.
You may have the right to object if decisions about you are made solely by a computer.
You have the right to complain to us. If you are not satisfied with our response you can complain to the Information Commissioner (ICO) Wycliffe House, Water Lane, Wilmslow, SK9 5AF www.ico.org.uk, Tel 0303 123 1113.