Data Protection Notice

Privilege Insurance

Privilege Insurance is underwritten and provided by Directline Insurance. Privilege Insurance is a member of The Royal Bank of Scotland and is authorised and regulated by the Financial Services Authority. In this Information statement, “we” “us” and “our” refers to Privilege Insurance, unless otherwise stated.

We are members of the Royal Bank of Scotland Group (The Group). For information about our Group of companies please visit www.rbs.com and click on ‘About Us’, or for similar enquiries please telephone 0131 556 8555 or Textphone 0845 900 5960.

Your Information

Please take a few minutes to read this document as it contains important information relating to the details that you have given us. You should also show this document to anyone else who is covered under your policy.

“Your personal information” means any information obtained from you in connection with a service or product provided to you by us.

If you contact us electronically, we may collect your electronic identifier e.g. Internet Protocol (IP) address or telephone number supplied by your service provider.

Your privacy is important to us, and we promise to respect your personal information.

Collection of Information

Information is collected lawfully and in accordance with the Data Protection Act 1998. We will do our best to ensure that your details are accurate and kept up to date.

Use of information by Privilege
We may use and share your information with external organisations to help us and other members of the Group to help us, and them:

assess financial and insurance risk,
recover debt,
develop services and systems,
prevent and detect crime,
develop our services, systems and relationships with you.

Your information includes data about your transactions.

We do not disclose your information to anyone outside the Group except:
Where we have your permission;
where we are required or permitted to do so by law; or
to other companies who provide a service to us or you; or
where we may transfer rights and obligations under this agreement.

From time to time we may change the way we use your information. Where we believe you may not reasonably expect such a change we shall write to you. If you do not object to the change within 60 days, you consent to that change.

Keeping you informed

If you have given prior permission, we would like to keep you informed by letter, phone and electronic means (including e-mail and mobile messaging) about products, services and additional benefits that we believe may be of interest to you. If you would prefer not to receive this information please let us know.

Dealing with other people

At the request of many of our customers and to make managing your insurance more convenient, it is our policy to deal with your spouse or partner who calls us on your behalf. If you would like someone else to deal with your policy on your behalf on a regular basis please let us know. In some exceptional cases we may also deal with other people who call on your behalf, with your consent. If at any time you would prefer us to deal only with you, please let us know.

Automatic Renewals

If you have taken advantage of our automatic renewal service we will retain your payment details in order to continue to deduct premiums when your policy is renewed. Each year we will write you in advance to remind you that this is happening.

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) about you and others named on the insurance policy/who are travelling with you. 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 called but please ensure that you only provide us with sensitive information about other people with their agreement.

Credit reference and fraud prevention agencies

We may obtain information about you from credit reference agencies, fraud prevention agencies and group records to check your credit status and identity. The agencies will record our enquiries that may be seen by other companies who make their own credit enquiries. We may use credit scoring.

Your information may be linked to, and your application assessed using credit reference agency records relating to anyone with whom you have a joint account or similar financial association.

A link between you and anyone with whom you have a joint account or similar financial association will be recorded at credit reference agencies, creating ‘financial association’. All parties’ information will be taken into account in future applications until one of you successfully files a ‘notice of disassociation’ at the credit level agencies.

We may make periodic searches of and provide information (including how you manage your account and any arrears) to credit reference agencies, fraud prevention agencies and the Group to manage and take decisions about your account. Such information may be used by other credit providers to take decisions about you and your financial associates.

We will check your details with fraud prevention agencies.

If you provide false or inaccurate information and we suspect fraud, we will record this.

We and other organisations may use these records to:

help make decisions about credit and credit related services for you and members of your household;

help make decisions on motor, household, credit, life and other insurance proposals and insurance claims, for you and members of your household;

trace debtors, recover debt, prevent fraud, and manage your accounts or insurance policies;

check your identity to prevent money laundering, unless you furnish us with satisfactory proof of identity.

If you want to receive details of those fraud agencies from whom we obtain and with whom we record information about you, please contact us at the final address shown below. You have a legal right to these details.

Insurers pass information to the Claims and Underwriting Exchange Register, run by Insurance Database Services Ltd and the Motor Insurance Database Services Ltd and Theft Register run by the Association of British Insurers. The aim is to help us to check information provided and also to prevent fraudulent claims. When we deal with your request for insurance we may search this register. Under the conditions of your policy you must tell us about any incident (such as an accident or 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 registers.

Where Motor Insurance Provided

We are also required to supply motor insurance policy details to the Motor Insurance Database (MID) run by the Motor Insurer’s Information Centre (MIIC) to which the police, DVLA/DVLNI (Driver and Vehicle Licensing agencies) and other insurers have access.

Call monitoring and recording

We may monitor and record telephone calls in order to improve our service and to prevent and detect fraud.

Further information

If you would like a copy of the information we hold about you, please contact the Data Protection Officer, Regulatory Risk (Compliance) Department, Mailpoint 38, Churchill Court, Westmoreland Road, Bromley, Kent BR1 1DP. A fee may be payable.

Security

Any personal data saved is held safely on our mainframe computer, with security systems preventing unauthorised access and we always ensure it is treated confidentially. For further information regarding our security provisions please out note titled Security.

Cookies

Please note that we use "Cookies" on the Site. A cookie is a software application that tracks our users' navigation of the Site and stores that information on their hard drives. This allows us to understand our users' habits and preferences which enables us to customise our services for our users to provide an enhanced user experience. We may, for example, use cookies to store registration information so that you do not have to provide it to us on subsequent visits.

Further Security

We take security very seriously and we use one of the strongest available security systems to protect your communications with us. Whenever you fill in a form, such as a request for a quote, it is automatically protected using something called a Secure Socket Layer (SSL) between your computer and ours. SSL works in the following ways:
It prevents impersonation - you can tell that you are using a genuine SSL site by the padlock symbol at the bottom of the screen. Clicking on either the padlock or the image opposite will reveal our Registration Certificate that is issued by Verisign, a leading Internet security company.
It encrypts data - as soon as your computer has recognised our computer they encrypt all information that is passed between them. Data encryption means that no one else can read or change your information as it travels over the Internet.
It prevents scrambling - SSL uses a Message Authentication Code (MAC) to prevent anyone tampering with our Internet site. Your computer will always check this code before it takes a message from us. This means that if anyone tried to interfere with a message, your computer would not recognise the code and would alert you.

There are two minor problems with Microsoft Internet Explorer. Neither problem has any effect on the actual security in force, but may make it appear to you as if it is not fully secure.
Internet Explorer 4. The padlock symbol does not always appear at the bottom when it should. A full description of this error, number Q154621, is at http://support.microsoft.com/support/kb/articles/Q154/6/21.asp

Internet Explorer 5. If you click on the padlock symbol to view the security certificate the following message may be displayed: "This certificate has failed to verify for all of its intended purposes". The other details of the certificate shown are correct. A full description of this error, number Q233479, is at http://support.microsoft.com/support/kb/articles/Q233/4/79.asp