How we use your information and who we share it with
We will use your information to manage your insurance policy, including underwriting and claims handling. This may include disclosing it to other insurers, third party underwriters and reinsurers.
Your information comprises all the details we hold about you and your transactions and includes information obtained from third parties.
Collecting information
We will tell you how we will use your information collected through our website or by other communication methods.
So that we can offer you the product you have asked for you may be asked to provide us with necessary personal information which may include, but not limited to, information such as criminal convictions and medical conditions. This will enable us to effectively undertake any servicing and maintenance of your policy in accordance with your wishes.
Sensitive information
Some of the personal information we ask you for may be sensitive personal data, as defined by the Data Protection Act 1998 (such as information about health or criminal convictions). We will not use such sensitive personal data about you or others except for the specific purpose for which you provide it and to provide the services described in your policy documents.
You will have been asked to agree to this when you first contacted us but please ensure that you only provide us with the relevant information.
Marketing
We may share your information with other companies within the Box Innovation Group and our partners and suppliers in order to ensure that we fulfil our commitment to you for the products and services you have purchased from ourselves.
Some of these companies may be based outside the European Economic Area in countries that may not have laws to protect your personal information. In all instances Box Innovation will ensure that your personal information is maintained securely and only used for the purposes that you have provided it. We will provide you with a list of the countries and companies involved on request.
It is important for us to be able to contact you in connection with the products and services you have purchased by Post, Phone, Email and SMS in order to meet your needs as quickly as possible.
We would like to send you information about our additional products and services, as well as those of selected third parties, by post, telephone, email and SMS depending on the method youÕve chosen.
Disclosure
We do not disclose your information to anyone outside the Box Innovation Group or to any other insurers stated on your Certificate of Motor Insurance, except:
- where we have your permission; or
- where we are required or permitted to do so by law; or
- to credit reference and fraud prevention agencies and other companies who provide a service to us or you; or in the event that we undergo re-organisation or are sold to a third party, in which case you agree that any personal information we hold about you may be transferred to that re-organised entity or third party; or where we may transfer rights and obligations under this agreement
We may transfer your information to other countries on the basis that anyone to whom we pass it provides an adequate level of protection. However, such information may be accessed by law enforcement agencies and other authorities to prevent and detect crime and comply with legal obligations
We may also monitor or record calls, emails, text messages or other communications in accordance with UK law (for example, but not limited to, for business purposes such as quality control and training).
Motor Insurance Database (MID)
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 DVANI, the Insurance Fraud Bureau and other bodies permitted by law for purposes not limited to but including:
I. Electronic Licensing
II. Continuous Insurance Enforcement
III. Law enforcement (prevention, detection, apprehension and or prosecution of offenders)
IV. 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.
The Police may also request information collected via the Telematics Box in connection with road accident investigations and the prevention or detection of crime. Such information may currently only be obtained by the Police via an application to the Courts and we will not provide any information to the Police except when subject to a Court Order or with your consent.
Credit Reference Agencies
To assess your insurance application and the terms on which cover may be offered, we may obtain information about you from credit reference agencies to check your credit status and identity. The agencies will record our enquiries. This will not affect your credit standing.
Fraud and Fraud Prevention Agencies
If fraud is identified from false or inaccurate information provided by you, details will be passed to fraud prevention agencies. Such fraud prevention and law enforcement agencies have the right to access and use this information.
Insurethebox and other organisations and agencies may also access and use this information to prevent fraud and money laundering, including, for example;
- Credit and credit related details on applications and other arrangements
- Management of credit and credit related facilities or arrangements
- Debt recovery
- Checking details on proposals and claims for all types of insurance
- Checking details of job applicants and employees
We will supply details of the relevant fraud prevention and law enforcement agencies on request.
Insurethebox and other organisations and agencies may access and use from other countries the information recorded by fraud prevention agencies.
Claims history
Insurers pass information to the Claims and Underwriting Exchange Register, run by Insurance Database Services Ltd (IDS Ltd) and the Motor Insurance Anti-Fraud and Theft Register, run by the Association of British Insurers (ABI). The aim of these is to help us to verify information provided and to prevent fraudulent claims. When we deal with a quotation for insurance, we may search these registers.
The conditions of your policy specify that you must tell us about any incident (for example, accident or theft) which may or may not give rise to a claim. When you inform us about such an incident, we will pass this information to the registers. We may search these registers when you apply for insurance, in the event of any claim or incident, or at renewal of your policy to verify either your claims history or that of any other person or property likely to be involved in the policy or claim.
Your information protection
Where we capture your personal information, we will do this over a secure link using recognised industry standard technology which encrypts data that is transmitted over the internet. Most browsers will indicate this by displaying a padlock symbol on the screen.
Unauthorised electronic access to servers is prevented by use of suitable firewalls and the servers are located in secure locations, accessible only by authorised persons.
Cookies
Cookies are small files stored on a computer's hard drive and are generally harmless. They are used to recognise you so that you receive a more consistent website experience. Cookies can contain information about your preferences that allows a site to provide a more personal service.
Insurethebox will not track or collect any personally identifiable information of site visitors. We will not match any data gathered from our site with any personally identifying information from any other source. We will not associate your IP address with any other data held by any third party. We will link any IP addresses with the identity of a computer user.
If you prefer that insurethebox do not collect data by using Cookies, you can disable this function within your browser settings. However, if you do this you may not be able to use the full functionality of the insurethebox site, including customisation of the web content to reflect your personal usage.
If you want to remove Cookies that are installed on your computer, you should refer to the instructions for your browser and/or operating system to locate the file or directory that stores cookies.
Access to your personal information
If you would like a copy of the personal information we hold about you, please write to:
The Data Protection Officer,
Box Innovation Group
Montagu Pavillion
8-10 Queensway
Gibraltar
Please provide your name address and policy number and tell us what information you would like. In accordance with the Gibraltar Data Protection Act 2004, we are entitled to charge £10 to cover the administration costs. Please make cheques payable to "Box Innovation Group"