How we will use your data
We may use personal details you give in order to provide you with a quotation, deal with your policy, or support the development of our business by including your home and motor details in customer surveys. We may make searches, via credit reference agencies, to check the accuracy of your information and to assist us with the assessment of your application and renewals. This information is also used to determine the terms on which we offer cover and to provide you with renewal quotations. Searches will be recorded by the credit reference agencies. We may contact you and ask necessary questions. We will store your details on computer but will not keep them for longer than necessary. Under the terms of the Data Protection Act you are entitled to a copy of any information we hold about you. Telephone calls between you and us may be recorded.
We may share your details with other companies within the Allianz group of companies or pass them to third parties so that we may tell you of products and services which we think may interest you by telephone, email or post. If you do not want to know about these products or services, please write to us at: Freepost, NATW263, Bristol BS32 4BR.
Under the Data Protection Act we can only discuss the details with you. If you would like anyone else to act on your behalf, please ring and let us know. Your personal details may be transferred to countries outside the EU. They will at all times be held securely and handled with the utmost care in accordance with all principles of the English law.
Fraud prevention, detection and claims history
In order to detect or prevent fraud we may at any time:
- Share information about you with other organisations and public bodies, including the police
- Check and/or file your details with fraud prevention agencies and databases
If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies. Law enforcement agencies may access and use this information.
We and other organisations may also access and use this information to prevent fraud and money laundering, for example, when:
- Checking details on applications for credit and credit-related facilities
- Managing credit and credit-related accounts or facilities
- Recovering debt
- Checking details on proposals and claims for all types of insurance
- Checking details of job applicants and employees
If you would like to receive details of the relevant fraud prevention agencies, please call 0844 209 0841.
We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.
Insurers pass information to the Claims & Underwriting Exchange register, run by Insurance Database Services Ltd (IDS Ltd). The aim is to help us check information provided and also to prevent fraudulent claims. We may at any time search the register including when we deal with your request for insurance. Under the conditions of your policy you must tell us about an incident (such as a fire or a 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 database. We can supply more information on the database if you request it. You should show this notice to anyone who has an interest in property insured under this policy.
Allianz Insurance plc may seek information from other insurers and information agencies to check the information you may have supplied and Allianz Insurance plc may provide the information you have supplied to other insurers for the same purpose.
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
You can find out more about this from Allianz Insurance plc, or at www.mib.org.uk
Sharing information with the police
We may ask you or anyone covered under the policy to give written agreement for us to obtain from or exchange specified information and material with the police. The purpose of these measures is to help verify claims and to guard against fraud. If you, or a covered person, provide written agreement, you or the covered person will be given the opportunity to receive a copy of the information and material the police release to us. Should you or any covered person not provide written agreement, we will not pay your claim and we will cancel the policy. We will not release information or material about a covered person to you without their agreement.
We will only ask for information from the police (or other similar bodies) or provide them with information without your or any covered person’s agreement if we are required to do so. Any request will comply with section 29 of the Data Protection Act 1998 or any subsequent legislation.
Choice of law
Unless we agree otherwise:
a) the language of the policy and all communications relating to it will be in English;
b) English law will apply to the contract of insurance.