Giving someone permission to talk to us about your policy
We can only talk about the policy to you or someone we’re satisfied that you have authorised to talk to us, on your behalf, after we’ve carried out data security checks.
Multiple policies at the same address
We may provide a discount if there’s more than one policy at the same address. This could result in anyone at the address who has a policy or quote with us being made aware that someone else living at the address also has insurance with us.
Bank account and payment card details
We use a secure payment processor for all card 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.
You can choose to renew your insurance automatically using these card details – just let us know when you buy your policy. You can change this at any time. You can also choose to use these card details again, if you make any changes to the policy. If you pay by monthly instalments, we’ll process your bank account details so we can set up a direct debit with you.
How third parties use data
Motor Insurers’ Bureau
We work in partnership with the Motor Insurers’ Bureau (MIB) and associated not-for-profit companies who provide several services on behalf of the insurance industry. At every stage of your insurance journey, the MIB will be processing your Personal Information and more details about this can be found via their website: mib.org.uk. Set out below are brief details of the sorts of activity the MIB undertake:
- checking your driving licence number against the DVLA driver database to obtain driving licence data (including driving conviction data) to help calculate your insurance quote and prevent fraud;
- checking your ‘No Claims Bonus’ entitlement and claims history;
- prevent, detect and investigate fraud and other crime, including, by carrying out fraud checks;
- maintaining databases of
- Insured vehicles (Motor Insurance & Policy Data or Motor Insurance Database);
- Vehicles which are stolen or not legally permitted on the road (Vehicle Salvage & Theft Data or MIAFTR);
- Motor, personal injury and home claims (CUE);
- Employers' Liability Insurance Policies (Employers’ Liability Database);
- managing insurance claims relating to untraced and uninsured drivers in the UK and abroad;
- working with law enforcement to prevent uninsured vehicles being used on the roads;
- supporting insurance claims processes.
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 15, Binding Corporate Rules).
8. Automated Decision Making
We use automated processes to make decisions which can affect the products, services, or features we may offer you now or in the future, or the price we charge for them. These automated processes use Personal Information provided by you, other information about you provided by third parties, including public databases, and information about the risk of insuring you to inform our business decisions including, product design, customer journeys and marketing strategy.
When we provide you with a quote we’ll use an automated underwriting engine that takes into account the Personal Information you provide. We validate this Personal Information by carrying out checks to confirm your identity and enrich it with information provided by third parties.
We assess the information to help determine the likelihood of a claim being made, how much it might cost. This assessment is based on various factors including information about the area you live in such as the likelihood of crime and the cost of repairs. Insurers use different weightings to price insurance and this rating is confidential to each insurer.
Once we have a view of your insurance risk we can decide whether or not to offer insurance, the price of the policy and whether we can offer the option to pay monthly.
We also make automated decisions throughout the life of your policy e.g. before offering you a renewal or when dealing with a claim.
To help us prevent and detect crime we evaluate and predict whether your conduct when accessing our products or services suggests a risk of fraud. Behaviour consistent with that of known money launderers, inconsistent submissions or deliberately hiding your true identity, may result in us refusing to offer you insurance, services and deliverables or accepting your claim.
If you’ve chosen to receive marketing information from us, profiling and automated decision making will be used to make our marketing more relevant, e.g. personalising the channels used to market to you, the marketing messages you receive and the offers you’re sent.
Where we make an automated decision that has a legal or substantially similar effect, you may request a team member to review that decision. We’ll consider your comments and assess whether the decision was made correctly.
