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Privacy and security

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Introduction

We recognise our responsibility to treat the information we obtain about you with care. Please take a few minutes to read this section carefully as it contains important information relating to the details that you've given or should give to us. It explains how we may use your details and tells you about the systems we have in place that allow us to detect and prevent fraudulent applications and claims. The savings that we make help us to keep premiums as low as possible. You should show this notice to anyone covered under your insurance policy.

We use personal information about you to provide you with a quote. Some of the personal information we ask you to provide may be sensitive.

We will use your data for statistical analysis and in the administration of your policy if you decide to buy.

Fraud prevention and detection

Please take time to read the following as it contains important information relating to the details you have given or should give to us. You should show this notice to anyone whose data has been supplied to us in connection with your policy.

To keep our premiums as low as possible, we participate in a number of insurance industry initiatives to prevent and detect crime. As a valued customer, we think you'll appreciate the steps we're taking to provide the best insurance cover.

To prevent and detect fraud we may at any time:

Share information with other organisations and public bodies including the police.
Check and/or file details with fraud prevention agencies and databases, and if we are given false or inaccurate information and we identify fraud, we will record this. We and other organisations may also use and search these agencies and databases from the UK and other countries to:
- Help make decisions about the provision and administration of insurance, credit and related services for you and members of your household:
- Trace debtors or beneficiaries, recover debt, prevent fraud, and to manage your accounts or insurance policies; or
- Check your identity to prevent money laundering, unless you provide us with other satisfactory proof of identity
- Check details of job applicants and employees
Undertake credit searches and additional fraud searches
We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.

If you would to like receive further details of the databases we access or contribute to, please write to the Data Protection Officer, esure, The Observatory, Reigate, RH2 0SG or email us at DPO@esure.com

To prevent fraud 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.

Home Insurance

If you have chosen family legal protection or home emergency cover with your home insurance policy, your details will be passed to DAS Legal Expenses Insurance Company Limited and if you have chosen pest cover, your details will be passed to Capita Commercial Insurance Services Limited to enable them to provide the cover. They may also use your information to make similar fraud prevention and detection checks to those described above.

Claims

Under the conditions of your policy you must tell us about any insurance related incidents (such as fire, water damage, theft or an accident) whether or not they will give rise to a claim. When you tell us about an incident, we'll pass information relating to it to a database. We may search these databases when you apply for insurance, in the event of any incident or claim, or at renewal to validate your claims history or that of any other person or property likely to be involved in the policy or claim.

If you make a claim we may need to give information about you and your policy to other people such as suppliers, investigators and loss adjusters. They'll only use the information to help us with your claim.

Information on products and services

We, and our agents worldwide, will hold and use the information you have given us to provide the insurance services you asked for and for statistical analysis. Your information will always be protected by strict security and will only be used by our agents in accordance with our instructions. We and other carefully selected third parties may keep you informed by post, email, phone or SMS of current and new products and services which could be of interest to you and for market research purposes, unless you have chosen not to receive such communications. If you prefer not to receive such communications, and you have not previously told us, please write to the Data Protection Officer, esure, The Observatory, Reigate, Surrey RH2 0SG or email us at DPO@esure.com. Please include your full name, address, date of birth and policy number if applicable. If you choose to contact us by email, please note that we are unable to accept any liability for data which is lost/abused in transit to us.

You have the right to ask us for a copy of the information we hold about you in our records. You will need to pay a small fee. You have the right to ask us to correct any inaccuracies in your information.

Renewal Information

Before the renewal date of your policy, we will provide you with details of the terms on which your policy may be renewed. If we are unable to offer a policy, we will let you know and you may be provided with details of the terms on which your cover will continue via another insurer in our group (We are part of the Halifax and Bank Of Scotland group). By taking out this policy you agree to allow a change of your insurer at renewal.

If you pay your premium by direct debit, your existing policy may be automatically renewed or your cover may continue to be provided through another insurer. You will be notified of this before your policy expires and you will be given details of the renewal times including any change in your policy cover. If you do not wish to renew your policy, you should tell us before your renewal date. If you do not tell us and your policy is renewed, we will continue to make deductions from your bank account for the new premium. If your insurer changes at renewal, we will ask you to sign a new direct debit form.

Compensation arrangements

esure Insurance Limited is covered by the Financial Services Compensation Scheme (FSCS). In the unlikely event that any firm providing insurance goes out of business or into liquidation, you may be entitled to compensation from the scheme.

Generally the FSCS may arrange to transfer a policy to another insurer, provide a new policy or, if these actions are not possible, provide compensation. Further information about compensation scheme arrangements is available from the FSCS at 7th Floor Lloyds Chambers, Portsoken Street, London, E1 8BN. Tel: 020 7892 7300 or www.fscs.org.uk.

Regulatory status

esure Home insurance is arranged and administered by esure Services Limited (no. 2135610) and is underwritten by esure Insurance Limited (no. 3885534), both are part of the Halifax and Bank of Scotland group. esure Services Limited and esure Insurance Limited are authorised and regulated by the Financial Services Authority (FSA) and are entered in the FSA register, number 312063 and 203350 respectively. The name, address and regulatory status can be checked by visiting the FSA website www.fsa.gov.uk/pages/register or by calling the FSA on 0845 606 1234.

The registered office for both companies is The Observatory, Reigate, Surrey, RH2 0SG

Telephone calls

We may record telephone conversations to offer you additional security, resolve complaints and improve our service standards. Conversations may also be monitored for staff training purposes.

Security

We believe that security is of the utmost importance to our customers, and we have what we believe are the most secure systems on the market.

We use the latest encryption technology, SSL or Secure Socket Layer, which protects your payment details and all your personal information. We're also registered with Verisign, a leading internet security company. To verify the site security, click on the Verisign logo below and this will immediately display our registration certificate. This is proof of our commitment to ensuring your security.

About SSL Certificates

If you pay for your policy by credit card (but not by debit card), then you will also have the additional protection of the Consumer Credit Act. Your maximum liability on your credit card is £50 in the event that it's lost or stolen or used fraudulently and your liability stops as soon as you notify the credit card company that the card has been lost or stolen or used fraudulently.

3D Secure, Verified by Visa & MasterCard SecureCode

What is 3D Secure?

3D Secure is a security initiative which gives you enhanced protection when making payments online. 3D Secure includes two security programmes - 'Verified by Visa' and 'Mastercard SecureCode'.

Why do esure use it?

Like many online retailers, esure takes the privacy and security of its customer data and payment details very seriously. esure already employs a number of advanced fraud prevention and detection initiatives that are detailed in our Privacy and Security policy to protect your details while they are being entered into our systems, as well as during the administration of your policy. 3D Secure is a card payment industry initiative that is designed to prevent the fraudulent use of credit/ debit card details by requiring the person using the card to know an additional piece of information that is not physically present on the card. This helps reduce the potential for your card being used without your permission if it is lost or stolen. Additionally, this information cannot be 'skimmed' from the card.

Verified by Visa / MasterCard SecureCode

These are security programmes created by the major card Suppliers (Visa and MasterCard). They allow you to create your own personal password/ PIN, known only to you, for use as an extra security measure each time you use your Visa or MasterCard (including Maestro) payment card to make a future payment online on a participating website.

How does it work?

You only need to register each card with Verified by Visa or MasterCard SecureCode once to create your password or PIN for your credit / debit card. Then whenever you make a payment online using your card on a participating site you will be asked to enter this password/ PIN as additional validation before the payment is confirmed.

What do I need to do to register?

To register for Verified by Visa or MasterCard SecureCode you need to register your card at the website of your card issuer, or during the purchase process on this website. After entering your card and personal details you will then be asked to create a personal password/ PIN which will be used to authenticate future payments made online with your card. The details you enter in this process will be submitted to your card issuer over a secure link; this information will not be held/viewed on any esure systems.

What if I am already registered?

If you have already registered you just need to enter your personal Visa or MasterCard SecureCode password/ PIN as instructed.

Which cards are checked for 3D Secure?

All major debit and credit cards, including Maestro and Solo are checked for participation within 3D Secure.

If I haven’t enrolled can I still make a payment?

Yes, you can. But you may not be protected against fraud if your card details are used without it being checked for 3D Secure (though other security checks will be performed on this website). esure is working hard with card providers to reduce the level of online fraud and we want all our customers to benefit from this increased level of protection.

Any other questions?

If you have any questions regarding 3D Secure please contact your card issuer, or use the links below:

http://www.visaeurope.com/personal/onlineshopping/verifiedbyvisa/main.jsp

http://www.mastercard.com/us/business/en/corporate/securecode/sc_popup.html

Cookies

Cookies are small text files, which are placed on your computer. We use sessional and persistent cookies to help us to enhance the level of service we provide to you. We use these cookies to record the areas of the site you visit and the length of time you spend viewing them. This allows us to continually improve your experience on the site. The cookies don't identify a user by name. Your browser keeps track of sessional cookies as long as it's running, but deletes them when it's shut down.

We use up to 45 day persistent cookies if you come to our site from an affiliate site, as a means of tracking the effectiveness of our online advertising. These cookies don't identify a user by name, and are only used to record what site you came from and whether you return to the site within 45 days.

If you object to a cookie being placed on your computer, please adjust your browser to let you know when a cookie is issued or you can choose to have them disabled (although this will prevent us from providing you with a quote), though we may still use your personal data for statistical analysis and, if you decide to buy, in the administration of your policy. Please refer to the website www.aboutcookies.org/ for more detailed instructions on how to control or delete cookies.

This website also uses Google Analytics, a web service provided by Google Inc. ('Google'). Google Analytics use cookies to help us analyse how you use the site. The information generated by the cookie about your use of the website (including your IP address) will be transmitted to and stored by Google on servers in the United States. Google will use this information for the purpose of evaluating your use of the website, compiling reports on website activity for website operators and providing other services relating to website activity and internet usage. 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. By using this website you consent to the processing of data about you by Google in the manner and for the purposes set out above.

Browser security

At esure, we take the privacy and security of your data very seriously, and we use the latest security measures to protect it. Below are a few tips on how you can make your online experience more secure, especially when using a computer that is in a shared area, such as an office, or internet café.

This is not a comprehensive guide, and in addition to the advice below, you should always ensure that the computer you are using has all the latest security updates applied, including virus checking, firewall and/ or spyware detection software. If you have any doubts, you should consult an expert.

Don't leave a computer unattended while using it

If someone uses the computer in your absence while you have personal information in a web browser session, they may be able to access this information. Consider locking the computer, closing the browser or both.

Clear the browser's cache and history

Internet browsers keep a cache, containing a copy of the web pages you have visited, and this cache is often stored on the computer's local hard drive. Clearing the cache, or temporary internet files, is straightforward, and will help prevent subsequent computer users from viewing the sites you visited while you were online. See your browser's help regarding ‘temporary internet files’ or ‘private data’ for details on how to clear the cache, or ask your PC administrator.

Browsers also keep a record of the sites that you have recently visited, known as a history, and this should also be cleared when you have finished. You can usually do this via your browser’s 'Internet options' or 'Tools' menu, or by selecting 'clear private data' or 'clear history'.

Don't save passwords

Most web browsers will offer to save passwords for you. You should not use this feature on a shared computer, as it may allow other users of this computer to access your data.

Page information

Browser title:: Home insurance privacy and security | esure.com
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