For the purposes of the Data Protection Act 1998, the data controller for personal data provided through the website is Rentecarlo (UK) Limited. Once you are a member or an applicant for membership, your information may be provided directly to our insurance provider and the Data Controller for such data will be EUI Limited (part of the Admiral Group plc).
You acknowledge that by providing your personal data to us, you consent to its processing in the manners outlined below. When providing personal data about others, you confirm that you have the consent of these individuals to supply their personal data. We are unable to offer you any product or service unless you provide explicit consent for the collection and use of sensitive personal data as defined in the Data Protection Act 1998.
We collect personal data and sensitive personal data as part of providing services to you. We may also monitor or record calls, emails, SMS messages or other communications in accordance with UK law.
Examples of personal data we may collect includes:
Examples of sensitive personal data we may collect includes:
We monitor communication on the website and mobile applications via the messaging function for:
We will collect your personal data when:
We will use your data for:
With the exception of cancellation (General Condition 4), it is our policy to deal with those named on your policy or any acceptable callers.
An acceptable caller is:
If you would like someone else to deal with your policy on your behalf on a regular basis please let us know.
To ensure an efficient and speedy claim process we will take instruction from anybody named on the policy or any other person you have confirmed as an acceptable caller. All claims are administered by EUI Ltd.
If you give EUI Ltd data about another person, in doing so you confirm that they have given you permission to provide it to EUI Ltd to be able to process their personal data (including any sensitive personal data) and also that you have told them who Admiral Group are and what they will use their data for, as set out in this policy.
Apart from ourselves, other companies that may have access to your data include:
We will endeavour to treat your personal data as private and confidential. From time to time we will employ agents and subcontractors to process your personal data on our behalf. The same duty of confidentiality and security will apply to them and all processing will be carried out under our instruction.
We would like to bring to your attention our obligations to disclose data in the following four exceptional cases permitted by law, and the other situations set out below. These are:
In the unfortunate event that you have to make a claim then we will need to disclose data with any other party involved in that claim. This may include:
If you make a complaint about the service we have provided, we may be obliged to forward details about your complaint, including your personal data, to the relevant ombudsman. You can be assured that they are similarly obliged to adhere to the Data Protection Act and keep your personal data strictly confidential.
When you apply to us to open an account, we make a number of checks to assess your application for credit and verifying identities to prevent and detect crime and money laundering. To obtain this information, we will check the following records about you and anyone else who may also be insured and whose personal details have been provided as part of the insurance application.
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. The searches will not be seen or used by lenders to assess your ability to obtain credit. We may use scoring methods to assess this application and to verify your identity.
Credit searches and other information which is provided to us and/or the credit reference agencies, about you and those with whom you are linked financially, may be used by EUI Limited and other companies if you, or other members of your household, apply for other facilities including insurance applications and claims. This information may also be used for debt tracing and the prevention of money laundering as well as the management of your account. Alternatively, we may ask you to provide physical forms of identification.
We may also make periodic searches at CRAs and FPAs to manage your account with us.
Information on applications will be sent to and recorded by CRAs. When you borrow from us, we will give details of your account(s) and how you manage it/them to CRAs. If you borrow and do not repay in full and on time, CRAs will record the outstanding debt. This information may be supplied to other organisations by CRAs and FPAs to perform similar checks, and to trace your whereabouts and recover debts that you owe. Records remain on file for six years after they are closed, whether settled by you or defaulted.
If you give us false or inaccurate information and we suspect or identify fraud, we will record it and may also pass this information to FPAs and other organisations involved in the prevention of crime and fraud.
If you borrow from us and do not make payments that you owe us, we will trace your whereabouts and recover debts.
Your data may also be used for other purposes for which you give your specific permission or, in very limited circumstances, when required by law or where permitted under the terms of the Data Protection Act 1998.
If necessary we may also have to investigate your claims and conviction history in the course of administering the claim. You can be assured that we will keep such investigations strictly confidential.
In the case of motor insurance, insurers pass information to the Claims Underwriting and Exchange Register, run by Insurance Database Services (IDS) and the Motor Insurance Anti-Fraud and Theft Register, run by the Association of British Insurers (ABI). This helps insurers check information and prevent fraudulent claims. When we deal with your request for Insurance we may search these registers.
Under the conditions of your policy, you must tell us about any incident (such as an accident or theft) which may give rise to a claim. When you tell us about an incident we will pass information to the Registers.
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:
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.
We will use information about you and that of others named on policy to ensure compliance with financial sanctions in effect in the UK and internationally. This will include the checking of your information against the HM Treasury list of financial sanctions targets as well as other publically available sanctions lists. Your information and that of others named on policy may be shared with HM Treasury and other international regulators where appropriate. You may also be contacted in order to provide further details in order to ensure compliance with Financial Sanctions requirements.
In order to prevent and detect fraud insurers may, at any time share information about you with our other group companies.
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:
We and other organisations may access and use, from other countries, the information recorded by fraud prevention agencies.
Please be aware that communications over the Internet, such as emails or webmails, are not secure unless they have been encrypted.
Your communications may route through a number of countries before being delivered – this is the nature of the Internet. We cannot accept responsibility for any unauthorised access or loss of personal information that is beyond our control.
You have the right to access the data we hold about you under Section 7 of the Data Protection Act 1998.
You can email firstname.lastname@example.org or write to:
Head of Central Quality
For copies of the information Admiral holds, please visit their website: http://www.admiral.com/
Please note that if your SAR involves personal data of other people (such as named drivers on your policy) or you are making a request on behalf of another (such as a parent on behalf of their child), we will need identification from these individuals, as well as a signed letter of authority from them that they are happy for you to act on their behalf and for us to release their data to you.
From time to time we may need to change the way we use your personal data. Where we believe you may not reasonably expect such a change we will write to you. When we do so, you will have 60 days to object to the change but if we do not hear from you within that time you consent to that change.