1. Who is the Data Controller
2. Your Rights
We comply with and are registered under the data protection laws in the United Kingdom and take all reasonable steps to prevent any unauthorised access to Your personal data.
You are entitled, on payment of the fee of £10, made payable to BISL Limited to see details of the information We hold about You. If any of the information held is inaccurate We will also make any necessary amendments and confirm to You that these have been made.
You have the right to request at any time that We and/or carefully selected companies cease processing Your personal data for Marketing purposes. If You wish to do this please write to the Data Protection Officer at BISL Limited, Pegasus House, Bakewell Road, Orton Southgate, Peterborough, PE2 6YS.
If You would like Us to remove personal information from Our records and if You wish to do this then please write to the Data Protection Officer at the address above so that We may consider Your request.
3. How will We use Your data?
The following paragraphs set out in detail how Your data will be used by Us.
4. Claims & Underwriting Exchange and Other Registers and Databases
We or the Insurer exchange information with various databases and registers to help Us check information provided, to detect and prevent crime or fraud and to obtain information about Your no claims history. These may include the Claims and Underwriting Exchange Register run by Insurance Database Services Limited (IDS Ltd), the Hunter Database run by MCL Software Ltd, the Motor Insurance Anti-Fraud and Theft Register run by the Association of British Insurers (ABI), the No Claims History Database run by RelX Group trading as LexisNexis and any other relevant industry databases or registers. Information may be shared with these registers and checks carried out against the information held on these registers when We or the Insurer deal with Your request for insurance, at renewal, when amendments are made to Your policy, where a claim is made or where it is necessary to update Our policy records. Under the conditions of Your policy, You must tell Us about any incident (such as an accident or theft) which may give rise to a claim. When You tell Us about an incident, We or the Insurer will pass this information to the registers and any other relevant registers. You can ask Us for more information about this.
5. Driving Licence Number
If You provide Your driving licence number this may be passed to the DVLA, by either Us or the insurers on Our panel, in order for a search to be carried out to confirm Your (or any named driver’s) licence status, entitlement and relevant restriction information and endorsement/conviction data. Searches may be carried out as part of Your quote or at any point throughout the duration of Your insurance policy including when amendments are made to the policy and at renewal.
Undertaking searches using Your driving licence number helps insurers check information to prevent fraud and reduce incidences of negligent misrepresentation and non-disclosure.
A search with the DVLA will not show on Your (or Your named driver’s) driving licence record.
For details relating to information held about You by the DVLA, please visit www.dvla.gov.uk.
6. 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 DVLANI, 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, the EEA or certain other territories), insurers and/or the MIB may search the MID to obtain relevant information.
Persons (including his or her 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 Your correct registration number. If it is incorrectly shown on the 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 www.askMID.com.
7. Insurance Administration, Renewal and Claims Handling
Information You supply may be used for the purpose of insurance administration, renewal and claims handling by the insurer, its agents, re-insurers and Your intermediary. In assessing any claims made, insurers may undertake checks against publicly available information such as Electoral Register, County Court Judgments, bankruptcy or repossession information. Information may also be shared with other insurers either directly or via those acting for the insurer such as Loss Adjusters or investigators.
8. Marketing and Market Research
BISL Limited, part of the BGL Group, which also trades as Budget, ibuyeco, and other carefully selected companies may use Your information to keep You informed by post, telephone, email or other means of products and services which may be of interest to You. They may also contact You to conduct market research. Your information may also be used for the above purposes after Your policy has lapsed. If You do not wish Your information to be used for these purposes please write to the Data Protection Officer at the address set out in the "Your Rights" section above.
9. Send to a Friend
When You provide details of a friend to whom an e-mail is to be sent You confirm the following:-
- That You have obtained the consent of Your friend to pass Your friend's details to Us and for Your friend to receive the e-mail from Us.
- That You are happy for Us to disclose Your details as the person who asked that We send the e-mail to Your friend.
- We will not use that person's details for any Marketing purposes.
10. Credit Searches
In assessing Your application/renewal, We may search files made available to Us by Credit Reference Agencies. They may keep a record of that search. We may also pass to Credit Reference Agencies information We hold about You and Your payment record with Us. Credit Reference Agencies share information with other organisations, enabling applications for financial products to be assessed or to assist the tracing of debtors, or to prevent fraud. We may ask Credit Reference Agencies to provide a credit scoring computation. Credit scoring uses a number of factors to work out risks involved in any application. A score is given to each factor and a total score obtained and this together with other factors will be used to accept or reject Your application.
11. Sensitive Personal Data
In order to assess the terms of the insurance contract or administer claims, We will need to collect personal data which the Data Protection Act 1998 defines as sensitive, such as medical history or criminal convictions. By proceeding with this contract, You will signify Your explicit consent to such information being processed by the insurer or its agents.
12. Overseas Transfer of Data
We and the other companies processing Your data for the purposes mentioned above may from time to time need to undertake some of the processing in countries outside of the European Economic Area which may not have laws to protect Your personal data, but in all cases We will ensure that it is kept securely and only used for the purposes for which You provided it. Details of the companies and countries involved can be provided on request.
13. How secure is the information I give to You?
The payment site employs enhanced encryption techniques which seek to ensure that all of Your confidential data (such as credit card number, name, address and other information) cannot be intercepted, unscrambled or copied when being transmitted between Our sever and yourself.
14. Who will process my credit/debit card information?
This will be done by Our partners at Cardnet.
15. Use of the Website
You agree that Your use of the Website will in no way affect the integrity or security of the Website or cause unreasonable inconvenience to any of Our staff.