Privacy and security

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Introduction

This Privacy Statement will help you understand how we (the esure group of companies) collect, use and protect your personal information when you interact with us. You should also show this notice to anyone else who may be insured under your policy. You acknowledge that by providing your personal information to us, you consent to its processing in accordance with this Privacy Statement. We are unable to offer you insurance unless you provide explicit consent for the collection and use of your data including sensitive data as defined in the Data Protection Act 1998.

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Collecting Information

We will collect your personal information when:

  • You ask for a quote
  • You purchase our products and services
  • You make customer enquiries
  • You register for information or other services
  • You register a claim
  • You respond to communications or surveys

When providing information about others who may be insured you confirm that you have the consent of these individuals to supply their personal information.

The type of information we may collect could include:

  • Name and address, date of birth and gender
  • Telephone numbers and email address
  • Credit/ debit card details
  • Lifestyle and other information
  • We may also collect information defined as "sensitive data" within the Data Protection Act 1998. This includes
    • Medical history
    • Claims history
    • Criminal convictions etc

We may also monitor or record calls, emails, text messages or other communications in accordance with UK law, and in particular for:

  • Business processes such as quality control and training
  • Processing necessary for entering into or performance of a contract
  • Prevention of unauthorised use of our telecommunication systems and websites
  • Ensuring effective systems operation
  • Meeting any legal obligation
  • Protecting your vital interests
  • Prevention or detection of crime
  • For our legitimate interests

All personal information will be held in confidence and used only for the purposes for which we collect it.

You can visit our website without disclosing any personal information, although we may use cookies to collect non-personal information about your browsing. For more informaton about the cookies we use please refer to the section below 'Cookies'.

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Advertising Cookies

1. Cookies are small text files saved to your website browser which help websites identify who you are.

esure use cookies for a variety reasons with the essential cookies needed to drive the purchase process. Cookies are also used to optimise the look and feel of the site providing feedback on site usage, and for behavioural marketing which provides users with tailored ads that might be of interest.

esure will not use cookies to collect personally identifiable information about you. However, from time to time we may engage in advertising on other websites to promote this website. The advertising partners we use may serve ads that it believes are most likely to be of interest to you based on information about your visit. If you would like more information about the cookies used by these suppliers, as well as information on how to opt-out, please refer to section 3

If you wish to restrict or block the cookies which are set by esure and their third parties, you can do this through your browser settings. Please refer to the ‘Help’ tab within your browser for more information.

Alternatively, you may wish to visit www.aboutcookies.org which contains comprehensive information on how to do this on a wide variety of browsers. You will also find details on how to delete cookies from your computer as well as more general information about cookies. For information on how to do this on the browser of your mobile phone you will need to refer to your handset manual.

Please be aware that restricting cookies may impact on the functionality of the esure website.


2. This is a list of the main cookies set by the esure website, and what each is used for.


JSESSIONID cookie

Used as a reference and to allow users to get a quote and buy a policy

Mysheet cookie

Used to facilitate the accessibility view modes.

Hbosid cookie

This is a redundant cookie which esure are in the process of removing. This cookie does not gather any information.

ReferrerURL

Used to help the quote process function

3. esure also uses a small selection of suppliers who set cookies on the esure website in order to deliver the services that they are providing. If you would like more information about the cookies used by these suppliers, as well as information on how to opt-out, please see their individual privacy policies listed below.

Redeye

Redeye provides anonymised statistical information for esure, tracking visitor site usage on behalf of the esure website. esure uses this information to optimise the website and improve it’s services. How to reject or delete these cookies:

http://www.redeye.com/about-redeye/new-cookie-legislation-law/

Doubleclick

Doubleclick services are used to manage third party cookies. The third party cookies are used to provide users with relevant products that might be of interest to you. The advertisements seen by users of the website are served by a small selection of third party ad serving providers, including Invitemedia, Adviva.net (Specific Media), MSN, Google Display and Unanimis. The cookies accompanying the ads allow them and their advertisers to monitor the effectiveness of the ads. How to reject or delete these cookies:

http://assets.invitemedia.com/opt-out.html
http://www.specificmedia.co.uk/privacy.php
http://www.unanimis.co.uk/oba/
http://choice.live.com/advertisementchoice/
http://www.google.com/privacy/ads/

Google Analytics

esure uses Google Analytics, a web analytics service provided by Google, Inc. Google Analytics sets a cookie in order to evaluate your use of the site. Google stores the information collected by the cookie on servers in the United States. Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google's behalf. Google will not associate your IP address with any other data held by Google. esure use this Google tool to optimize the site and improve the service. How to reject or delete this cookie http://www.google.com/intl/en/privacypolicy.html

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How your information will be used

We and our agents worldwide will hold and use your information for:

  • Processing your quote and subsequent renewal
  • Administering your policy including claims handling
  • Fraud prevention and detection
  • Credit scoring or other automated decision-making systems
  • Administering debt recoveries
  • Verifying your identity when required
  • Undertaking market research and statistical analysis
  • Keeping you informed about promotions and new developments by e-mail, telephone or post
  • The delivery of products and services bought by you. For example, we may disclose your personal information to a credit card company to validate your credit card details and obtain payment. It may also be necessary for us to pass your information to the organisation from whom you have bought any products and service such as pest cover
  • The development of our relationship with you

We and other esure group companies may also use your information to keep you informed by post, email, phone or SMS of other products and services we believe may interest you. If you do not want your personal information used in this way please email DPO_Opt_Out@esure.com or write to the Data Protection Officer, esure. The Observatory, Reigate RH2 0SG who will ensure that your information is not used for these purposes. Please include your full name, address, date of birth and policy number (if you have one). If you choose to contact us by e-mail, please note we are unable to accept any liability for data which is lost / abused in transit to us.

In the event that we undergo reorganisation, transfer the business to a third party or are sold you agree that any personal information we hold about you may be transferred to that re-organised entity or third party.

Any payments or refunds will be made to the account / card which was used to make the latest payment. By providing the account or card details you and/or the account/card holder consent to us doing this.

We make searches about you at credit reference agencies who will supply us with information including the Electoral Register and credit information. The agencies will record details of the search whether or not your application proceeds.

We may use scoring methods to assess your application and to verify your identity. Credit searches and other iformation which is supplied to us and/or the credit reference agencies, about you and those with whom you are linked financially may also be used for debt tracing and prevention of money laundering as well as the administration of your policy.

Aggregating information about you and your use of the website with information about other users of the website in order to identify trends ("Aggregated Data"). We may pass Aggregated Data to third parties, such as advertisers, content providers and business partners or prospective business partners, to give them a better understanding of our business and to bring you a better service, products or user experience. Aggregated Data will not contain information from which you may personally identified.

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Confidentiality

We will treat your personal information as private and confidential. We would like to bring to your attention our obligations to disclose information in the following four exceptional cases permitted by law, and the other situations set out below. These are: -

  • Where we are legally compelled to do so
  • Where there is a duty to the public to disclose
  • Where the disclosure is required to protect our interest
  • Where disclosure is made at your request or with your consent

Also from time to time we will employ agents and subcontractors to process your personal information on our behalf. The same duty of confidentiality and security will apply to them and all processing will be carried out under our instruction. If you make a complaint about the service we have provided we may be obliged to forward details about your complaint to the relevant ombudsman. In the unfortunate event that you have to make a claim then we will need to disclose that information with any other party involved in that claim. This may include:

  • Third parties involved with the claim, their insurer, solicitor or representative
  • Medical teams, the police or other investigators

If necessary we may also have to investigate your claims and convictions history in the course of administering your claim.

Insurers pass information to the Claims and Underwiting Exchange Register run by Insurance Database Services (IDS). This helps insurers check information and prevent fraudulent claims. When we deal with your request for insurance we may search the register. Under the conditions of your policy you must tell us about any incident (such as a loss or theft) which may give rise to a claim. When you tell us about an incident we will pass the information to the Register. 

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Fraud prevention and detection notice

In order to prevent and detect fraud insurers may at any time:

  • Share information about you with fraud prevention databases and public bodies including the police

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 and making decisions about applications for credit and credit related services
  • Recovering debt
  • Checking details on proposals
  • Checking details of job applicants and employees
  • Tracing debtors and beneficiaries and to manage your account or insurance policy

Please write to the Data Protection Officer, esure, The Observatory, Reigate, Surrey, RH2 0SG if you want to receive details of the relevant fraud prevention agencies.

We and other organisations may access and use, from other countries, the information recorded by fraud prevention agencies.

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How to opt out of receiving marketing messages

If you want to opt out of receiving marketing messages please email DPO_Opt_Out@esure.com or write to the Data Protection Officer. esure, The Observatory, Reigate RH2 0SG who will ensure that your information is not used for these purposes. Please include your full name, address, date of birth and policy number (if you have one). If you choose to contact us by e-mail, please note we are unable to accept any liability for data which is lost/abused in transit to us.

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