Privacy Notice

1. Privacy Notices: Introduction

Your privacy and Personal Information are important to us, and we are committed to keeping it protected. As the data controller, we are responsible for decisions about how your Personal Information will be processed and managed. We’ve tried to make this Privacy Notice as clear and transparent as possible, so you are confident about how we use your Personal Information. This Privacy Notice explains how we collect, store, and share Personal Information. You will also find details regarding your rights under data protection laws and how you can contact us.

If you'd like a printed copy of this Privacy Notice, please contact the Data Rights team (see Section 12).   You can get this and other documents from us in braille, large print or audio format please visit our accessibility page here for more options.

2. Who we are and whose Personal Information we collect

When we refer to “we”, “us” and “our” in this Privacy Notice it means Allianz UK Distribution Limited (AUDL), which is part of the Allianz Group, including insurance companies, insurance brokers and other companies owned by the Allianz Group. Please click here to see a detailed list of these companies.  When we say “you” and “your” and “individuals” in this Privacy Notice, we mean any living person whose Personal Information we receive in connection with entering into and administering business relationships including: 

• anyone who has a business relationship or transacts business with us or provides us with a service, such as brokers, intermediaries, business partners, affinity associations or other introductory services. 
• your participation in promotions and market research; 
• your use of our apps and websites, as well as details from the devices you use to interact with our apps and websites.

3. The types of Personal Information we collect 

We only collect information that we need, and have strict controls to keep it safe. The information we collect is related to entering into and administering business relationships when you are acting on behalf of an business. We collect the following types of Personal Information so we can complete the activities in Section 5, How we use Personal Information:

• basic Personal Information, such as name, address and contact details; 
• lifestyle and social circumstances information, such as employment type;
• fraud and sanctions information, including identification checks and background risk details;
• credit assessment information from credit agencies such as credit ratings;
• financial information such as direct debit or payment cards details;
• accessibility details if we need to make reasonable adjustments to help;
• marketing and communications preferences including information collected from your devices relating to your use of our websites, via the use of cookies (see Section 10, Marketing below).

In certain circumstances, we may request and/or receive special category or sensitive information about you. We would only collect this information if it is relevant to the business relationship or where it is necessary for a legal obligation:

• criminal information, criminal proceedings, outcomes and sentences (previous criminal convictions, bankruptcies and other financial sanctions such as County Court Judgments).

4. Where we collect Personal Information 

We collect Personal Information direct from individuals, their representatives or from information they have made public, for example, on social media.

We also collect Personal Information from other persons or organisations, for example:

• financial crime, fraud prevention, databases and sanctions lists for example, Insurance Fraud Bureau (IFB);
• government agencies and regulatory bodies including the courts;
• credit reference agencies and debt advisors;
• Industry Regulators for example the Financial Conduct Authority (FCA), Prudential Regulation Authority (PRA), Information Commissioner’s Office (ICO) and the Financial Ombudsman Service (FOS);
• insurance industry bodies and databases including the Association of British Insurers (ABI);
• providers of marketing and advertising services;
• third parties in connection with any acquisition of a business by us; 
• other Allianz Group companies.

5. How we use Personal Information 

We collect and use Personal Information in accordance with applicable data protection laws. In order to use your Personal Information as described in this Privacy Notice, we must have a legal justification, known as a lawful basis which will be one of the following:

• Contract - to arrange and manage our products and services including processing payments;
• Legal obligations - to deal with complaints, prevent financial crime and to meet our responsibilities to our regulators; 

We also use Personal Information for the legitimate needs of our business. This includes, but is not limited to:

• conducting discussions prior to entering a business agreement
• managing our business and developing our commercial activities including improving, and personalising our products and services;
• providing you with information about our product or services;
• send marketing material and run promotions about our products and services, unless you tell us not to.
• improving the relevance of our advertising and marketing campaigns and identifying advertisement audiences;
• conducting market research and enhancing customer service;
• helping to detect and prevent fraud and financial crime for example by carrying out fraud, sanctions and anti-money laundering checks;
• developing and improving our administration, training, security services and insurance applications;
• providing a service that keeps our customers and suppliers safe by identifying vulnerability to better meet their needs; 
• managing our relationships with business partners;
• facilitating the purchase, sale, transfer or disposal of any part of our business;
• sharing your Personal Information with other Allianz Group companies for the purposes of fraud detection and prevention. 

Please refer to Section 6, to understand how we share your Personal Information in further detail.

There is no obligation to provide us with Personal Information, but we cannot provide our products and services without it.

6. Sharing your Personal Information 

We only share your Personal Information when necessary for the purposes stated in Section 5: How we use Personal Information. 

We may share Personal Information with:

• insurance brokers, intermediaries, business partners, affinity associations or other introductory services who introduce or help us arrange, manage and underwrite our products and provide our services;
• other insurers, who provide services for our products;
• companies who help us check your identity and evaluate your risk;
• financial crime, fraud prevention, sanctions checking and third parties who maintain fraud databases and lists;
• government agencies and law enforcement;
• credit reference agencies and debt advisors;
• regulators who monitor and enforce compliance with regulation and insurance industry bodies and databases;
• providers of data services and data analysts who support us with developing our products and enhancing customer service and experience;
• any organisation where you have agreed for them to receive that data as part of the terms and conditions of your membership or affiliation;
• external agencies for market research purposes;
• third parties in connection with the sale, transfer or disposal of our business;
• other Allianz Group companies;
• other companies within the global Allianz Group (visit here (www.allianz.com) for more details).

Some of the organisations we share information with may be located outside of the UK. For further information, please see Section 7, International Data Transfers.

Bank account and payment card details 

We use a secure payment processor for all payments. When a payment is processed, we share the details of the payer, such as the account holder name and billing address, with the processor. We also share with them contact details provided by you so your bank can authenticate the transaction and help protect you against fraud. In response, we receive a unique transaction code and an extract of your card number, which we store as a record of the transaction. 

Credit Reference Agencies (CRA)

To process your application, renewal or claim, we supply Personal Information about you or anyone on the policy to Credit Reference Agencies (CRAs) and they will give us information, such as financial history. We do this to assess creditworthiness and affordability, check identity, make pricing and underwriting decisions, manage policies, trace and recover debts and prevent fraud and other financial crime. We’ll also continue to exchange information with CRAs on an ongoing basis, including settled accounts and any debts not fully repaid on time.  

CRAs will share Personal Information with other organisations. This will be linked to the Personal Information of any joint applicants or other financial associates. The identities of the CRAs and the ways in which they use and share Personal Information are explained in more detail at www.experian.co.uk/crain, www.transunion.co.uk/crain and www.equifax.co.uk/crain. 

7. International Data Transfers

In the event that we, or third parties acting on our behalf need to transfer, store, or process Personal Information outside of the UK, we will ensure that this process is carefully managed with appropriate safeguards in place to protect your privacy rights.  This can include transfers to countries that the UK considers will provide adequate levels of data protection (such as countries in the European Economic Area) or by putting contractual obligations in place with the party we are sending information to. 

Transfers within the Allianz Group are covered by an intra-group agreement which contractually obliges each group company to ensure that your Personal Information receives an adequate and consistent level of protection wherever it is transferred within the Group (see Section 13, Binding Corporate Rules).

8. Marketing

We may use Personal Information to send you direct marketing communications about our products, services and business updates as well as promotions, competitions, prize draws. You may also see display advertising on websites, mobile applications, social media, television or in online search results.

We try to limit marketing and only send you offers and promotions that you might be interested in, based on Personal Information we have about you and profiling that we have carried out (further details can be found under the sub-heading ‘Marketing profiles’ below). 

You can let us know at any time if you no longer wish to receive marketing messages. The simplest way to do this is to click on the unsubscribe link on emails.

Please note that opting out of one type of marketing, e.g. email or telephone, doesn’t mean you will be opted out of all marketing. Please consider this when you manage your preferences.

Opting out of marketing won’t stop you from receiving important service related information that we need to tell you about.

Cookies 

To provide you with a personalised online experience we rely on third party advertising technology, for example, the deployment of cookies or small text files on our website or pixels within emails.  These collect information about your interactions with us and analysis of your customer behaviour, including your use of other websites. This technology is used to optimise what you may see on our websites and deliver content when you are browsing elsewhere. We do this to provide you with advertising that we believe may be relevant for you, as well as to improve our own products and services.

For further information about cookies and other technologies we use on our website and how to manage cookies, please see our Cookie Policy. 

Marketing profiles 

We process your Personal Information to determine the most relevant products, services, offers or benefits to offer you and to decide the appropriate time and channel for offering them to you. We work with selected partners to display relevant online and offline advertisements, such as on third-party websites, social media platforms and On Demand TV.

Prize Draws / Competitions

If you enter any of our competitions, prize draws and similar promotions we will process your personal details to administer your entry including, selecting winners, advising promotion outcomes and sending prizes to the nominated address. We may use third party fulfilment partners to assist us in administering promotions, including contacting you on our behalf.  Please refer to the specific terms and conditions of the competition, prize draw or promotion that you are entering for further details about how we use and share your Personal Information.

In accordance with the rules of the Advertising Standards Authority, we may publish or make publicly available information that indicates that a valid award has taken place. If we do this, only your surname, country and, if applicable, your winning entry, will be published. You have the right to object to this use of your Personal Information. 

9. How long we keep Personal Information

We keep Personal Information for as long as is reasonably required for the purposes explained in this Privacy Notice.

We also keep records, which may include Personal Information to meet statutory and regulatory obligations. For example, we are required to retain an accurate record of your dealings with us, so we can respond to any complaints or challenges you or others might raise later.

To support us in managing how long we hold your data and our record management, we maintain a Data Retention Policy which includes clear guidelines on data retention and deletion.

10. Know your Data Rights

Under data protection law, you have legal rights in relation to your Personal Information that we need to make you aware of.

We may ask you for proof of identity when you make a request to exercise any of these rights. We do this to ensure we only disclose information to the right individual.

We aim to respond to all valid requests within one calendar month, however, we may extend this if we deem the request to be complex and will inform you.  We may also ask additional questions to help us with your request.

The rights available to you depend on our reason for processing your Personal Information and we may not always be able to do what you have asked, however, we will always explain this to you.  

You have the right to:  

• The right of access – you can request a copy of the Personal Information we hold about you, subject to certain exemptions (a Subject Access Request);
• The right of rectification – we do our best to ensure that your Personal Information is accurate and up to date, if you believe our information is inaccurate or incomplete you can request that we update or correct it;
• The right to be forgotten – you can ask us to delete your Personal Information from our records, but this right only applies if it is no longer needed for the original purpose. This isn’t an absolute right and we have to balance your request against other factors such as legal or regulatory requirements;
• The right of restriction – you can ask us to restrict the processing of your Personal Information. This isn’t an absolute right and we may not be able to comply with your request;
• The right to data portability – In some cases, you can ask us to transfer Personal Information that you have provided to us, to another third party of your choice;
• The right to object – you can object to us processing your Personal Information and we will either agree to stop processing or explain why we are unable to;
• The right to withdraw consent – you can ask us, at any time, to stop processing your Personal Information for marketing purposes;
• The right to make a complaint – If you have concerns about how we process your Personal Information or are not satisfied with our handling of a request you have made in relation to your data rights, you can make a complaint. 

You can also ask us to have a team member review an automated decision.

If you want to find out more or to exercise these rights, you can do so by writing to: Data Rights, AUDL, PO Box 5291, Worthing, BN11 9TD 

or by emailing datarights@allianz.co.uk

To submit an individual right request, please use the button below:

Exercise Your Rights, powered by OneTrust 

11. Data Privacy Officer

If you have any questions or concerns about this privacy notice how we use personal data, please contact our Data Protection Officer:

Address:  Allianz Insurance plc, PO Box 5291, Worthing, BN11 9TD

Phone: 0330 102 1837

Email: dataprotectionofficer@allianz.co.uk

If you have concerns about how we process your Personal Information or are not satisfied with our handling of a request you have made in relation to your data rights, you can make a complaint to the Information Commissioner’s Office on 0303 123 1113 or visit ico.org.uk/concerns.

We ask that you please attempt to resolve any issues with us first before contacting the ICO.

12. Privacy Notice updates

This Privacy Notice is updated to take into account any changes to our business activities or to comply with legal requirements. This Privacy Notice was last updated in March 2026.

13. Binding Corporate Rules

The Allianz Binding Corporate Rules (BCRs) provide you with information on the rules governing the international transfer of personal data between Allianz Group companies operating in the European Economic Area (EEA) and Allianz Group companies outside that area.

The Allianz BCRs also describes your rights in respect of such transfers, what to do if you want to exercise your rights or complain about such transfers, and how to contact us.

The latest Allianz BCR can be found here and an up-to-date list of Allianz Group companies who have committed to comply with them can be found here.