Privacy Notice and Cookie Policy

Your Privacy & Security

Introduction

This privacy notice is designed to help you to understand how One Sure Insurance Ltd (“we” or “us”), who is the data controller for the purposes of the Data Protection Act 2018, collect, use and protect your personal information.

We will collect your personal information when you ask for an insurance quotation, contact us to make an enquiry (via telephone, email, the website or any other form of communication) or purchase a product or service from us.

How we receive your information

We may receive information directly from you or someone you have authorised to act on your behalf (a representative), or from a third-party company whom you have submitted your details to for a quotation.

We may also collect electronic personal data when you visit our website, where we will collect your unique online electronic identifier, this is commonly known as an IP address.

Where we collect data directly from you, we are considered to be the controller of that data. Where we use third parties to process your data, these parties are known as processors of your personal data. Where there are other parties involved in underwriting or administering your insurance who may also process your data, all parties will be joint data controller of your personal data.

A “data controller” means the individual or organisation which, alone or jointly with others, determines the purpose and means of the processing of personal data.

A “data processor” means the individual or organisation which processes personal data on behalf of the controller.

How your information will be used

We will use your information for the following:

  • Processing quotations by submitting your application to a panel of insurers
  • Administering and maintain your insurance policy
  • Confirming your identity and verifying the information you have provided
  • Ensure fraud prevention
  • Carrying out all obligations arising from any contracts entered throughout the lifecycle of your policy
  • Carrying out legally required pre-contract searches such as financial sanctions register checks
  • Dealing with any queries whether that be direct with you or with third-party companies such as insurers, credit agencies or law enforcement
  • Keeping you informed about insurance products and promotions via the methods of communication you have agreed to and of which we believe to be of benefit to you
  • Renewing your insurance policy

In the event that One Sure Insurance Ltd undergo re-organisation or One Sure Insurance is sold to a third party, any data we hold about you will be transferred to that re-organisation entity or third party.

As a provider of insurance services, we will process the following categories of data:

  • Personal data such as names, addresses, date of birth, gender, contact details and details of historic claims
  • Special categories of personal data such as health and details on historic claims resulting in injury
  • Data relating to criminal convictions and offences such as details of driving offences or insurance fraud

One Sure Insurance may also monitor and record calls, emails, text messages and any other forms of communication for the following reasons:

  • Business purposes such as quality control and training
  • Prevention of the unauthorised use of our telecommunication systems and websites
  • Ensuring effective system operations
  • Meeting legal obligations
  • Protecting your vital interests
  • For the legitimate interests of the data controller

Your personal data will be processed for the necessary performance of the contract you will be entering into or have entered in to, and any special category data will be processed for reasons of substantive public interest. For the purpose of safeguarding and processing criminal conviction and offence data responsibly, this data is treated in the same manner as special categories of personal data where we are legally required to comply with specific data processing requirements.

We will also use your personal data to manage your account, perform statistical analysis on the data we collect, for financial planning and business forecasting purposes and to develop new and market existing products and services.

In some situations, we may request your consent to market our products and services to you or to share your data. Where we require consent, your rights and what you are consenting to will be clearly communicated to you. Where you provide consent, you can withdraw this consent at any time by contacting our office.

In purchasing our products and services you should understand that you are forming a contract with us. If you contact us for a quotation or request details on the services we offer, we consider ourselves as having a legitimate business interest to provide you with further information about our services

If you object to the collection, sharing and use of your personal data we may be unable to provide you with our products and services.

Any data we hold about you will remain with One Sure Insurance for a reasonable amount of time. For situations where no contract is entered in to; we will hold your data for a maximum of 3 years, and for any insurance contract that is entered in to; your data will be held on file for up to a maximum of 40 years. The retaining of data is necessary where required for contractual, legal or regulatory purposes of for our legitimate business interests for statistical analysis and product development and marketing purposes. All personal information will be held in the strictest of confidence and used only for the purpose for which we collect it.

Who will your information be shared with

We will endeavour to treat your personal information as private and confidential, however, in administering your insurance policy or in order to offer you an insurance contract, it may be necessary for us to pass your information to selected third parties.

In order to prevent or detect fraud we will check your details with various fraud prevention agencies and anti-fraud registers, who may record a search. Searches may also be made against other insurer databases which may affect the type of contract we are able to offer to you as a customer.

We may conduct a search with a credit reference agency in order to offer you differing payment options and a copy of this search will be left on your credit file but will not affect your credit score. If you have a debt with us we may search third party platforms in order to further identify you.

From time to time we may use social media, general website searches and more formal searches with government partners as a way of further verifying your identity.

If required, and with your permission, we will complete DVLA checks to verify your driving licence information to ensure we hold the correct information in regards to your driving record. In order to do this, we will request your driving licence number and your national insurance number.

In order to offer you a quotation, or to administer your insurance policy, we will use third party processors in order to do this and as such this processing is conducted under contract and we ensure that appropriate security is provided. From time to time we may need to share your information using third parties located in countries outside of the EU and if this happens we will take all necessary steps to ensure that it is adequately protected. This includes ensuring there is an agreement in place with the third parties which provide the same level of protection as required by the data protection regulations in the UK and EU.

If you make a complaint about the services One Sure Insurance have provided, One Sure Insurance may be obliged to forward details about your complaint, including your personal information, to the relevant ombudsman.

In the unfortunate event that you have to make an insurance claim then we will need to disclose information with any other party involved in that insurance claim. This may include third parties involved with the claim, another insurer, solicitor or representative, medical teams, the policy and any other investigators.

Insurers pass information to the Insurance Claims Underwriting and Exchange Register, run by the Insurance Database Services (IDS) and the Motor Insurance Anti-Fraud and Theft Register, run by the Association of British Insurers (ABI). This helps insurers check information and prevent fraudulent insurance claims. When One Sure Insurance deal with your request for insurance, we may search these registers.

If applicable your policy details will be added to the Motor Insurance Database, run by the Motor Insurer’s Information Centre (MIIC) and your data is held here for the purpose of allowing the police to verify with the MID who is insured to be driving the vehicle.

We may need to share your data with relevant authorities and law enforcement agencies where we are legally obliged to do so.

Protecting your information

One Sure Insurance is committed to high standards of information security, privacy and transparency. We place a high priority on protecting and managing data and we have established and implemented robust frameworks in order to ensure security to the best of our ability. The policies and procedures we have in place range from:

  • Physical and logical access controls to encrypt data/firewalls
  • Providing employee awareness through mandatory training covering information security, data protection and fraud awareness
  • Monitoring of key partners to manage information security risks
  • Disposal of confidential waste procedures
  • Paperless desk policies

Your rights

Individuals are provided with legal rights governing the use of their personal data. These grant individuals the right to understand what personal data relating to them is held, for what purpose, how it is collected and used, with whom it is shared, and where and how it is located. Individuals can also request the deletion of this data.

These rights are known as individual rights under the Data Protection Act 2018. The following list details these rights:

  • The right to be informed about the personal data being processed
  • The right to access personal data
  • The right to object to the processing of personal data
  • The right to restrict the processing of personal data
  • The right to rectification of personal data
  • The right to erasure of personal data
  • The right to data portability (to receive an electronic copy of your personal data)

Individuals can exercise their rights at any time. As mandates by law we will not charge a fee to process these requests, however, if your request is considered to be repetitive, wholly unfounded and/or excessive, we are entitled to charge a reasonable administration fee.

If you require further information on your individual rights or would like to exercise any of your rights, please contact our Head of Operations:

Head of Operations/Data Controller
One Sure Insurance
Spitfire House
142-154 Congleton Road
Talke
Stoke on Trent
ST7 1LX

A response to your request will be provided to you within 30 days of us receiving a valid request.

Complaints

If you are dissatisfied with any aspect of the way in which we process your personal data please contact our Head of Operations on the address noted above. You also have the right to complain to the UK’s data protection supervisory authority, the Information Commissioner’s Office (ICO). The ICO may be contacted via its website which is https://ico.org.uk/concerns or by calling their helpline on 0303 123 1113.

Cookies

When you visit One Sure Insurance’s website we put small files known as cookies on to your computer to collect non-personal information. Cookies are used to:

  • Measure how you use the website, so it can be updated and improved
  • Monitor traffic volumes
  • Remember notifications that you have seen so that we do not show them to you again
  • Remember that you are a returning customer should you use our website multiple times

Cookies make the interaction between One Sure Insurance and its users smoother, they are not programs and they can not harm your computer. If you have any issues with using cookies you may delete these files from your internet browser, however, should you return to One Sure Insurance’s website you will be prompted to accept a new cookie.