You can ask us to do various things with your personal information. For example, at any time you can ask us for a copy of your personal information, ask us to correct mistakes, change the way we use your information, or even delete it. We will either do what you have asked or explain why we are unable to - usually because of a legal or regulatory competing obligation.
You can make any of the requests set out below using the contact details provided to you in your documentation or below.
You have the following rights in relation to our use of your personal information.
The right to access your personal information
You are entitled to a copy of the personal information we hold about you and certain details of how we use it. There will not usually be a charge for dealing with these requests. Your personal information will usually be provided to you electronically where possible, including call recordings. Where not possible, or where otherwise agreed, we will provide your personal information in writing or other suitable formats available.
The right to rectification
We take reasonable steps to ensure that the personal information we hold about you is accurate and, to the extent necessary, complete. However, if you do not believe this is the case, please contact us by using the details shown in your documentation and you can ask us to update or amend it.
The right to erasure
In certain circumstances, you have the right to ask us to erase your personal information, for example where the personal information we collected is no longer necessary for the purpose for which we have told you we will use it, or where you withdraw your consent if that is our legal ground for processing the information. However, this will need to be balanced against other factors relevant to the type of personal information we hold about you and why we have collected it. There may be some legal and regulatory reason which means we cannot comply fully with your request.
Right to restriction of processing
In certain circumstances, you are entitled to ask us to suspend using your personal information for a period, for example where you think that the personal information we hold about you may be inaccurate, to allow us to verify the accuracy, or where you think that we no longer need to process your personal information, but we need to keep it for legal reasons.
Right to data portability
In certain circumstances, you have the right to ask that we transfer any personal information that you have provided to us to another third party (e.g. another insurance provider) of your choice. Once transferred, the other party will be responsible for looking after your personal information.
Right to object to direct marketing
You can ask us to stop sending you marketing messages at any time. Please see the Marketing section of this policy for more information.
Rights relating to automated decision making
In certain circumstances, you have the right to request that you are not subject to a decision based solely on automated processing, including profiling, which produces legal effects of similarly significant effect.
We do not currently conduct any automated decision making that falls under the scope of this right.
The right to withdraw consent
For certain uses of your personal information, we will ask for your consent. Where we do this, you have the right to withdraw your consent at any time. Please note in some cases we may not be able to process your application or claim if you withdraw your consent.
The right to lodge a complaint
You have a right to complain to the relevant supervisory authorities at any time if you believe that we have not met the requirements of data protection law. The UK’s Information Commissioners Office (ICO) and Ireland’s Data Protection Commission (DPC) will usually expect that you have given us the opportunity to resolve your complaint before they will take up your enquiry, so please do tell us first if you think we have not complied with these laws. More information can be found on their websites or by contacting the authority – contact details provided below in the ‘Contact details of the Data Protection Officer’ section.
In some circumstances exercising some of these rights will mean we are unable to continue providing you with cover or services. This may therefore result in the cancellation of a policy, service, or claim. You may also lose the ability to bring any claim or receive any benefit or service including in relation to any event that occurred before you exercised your right. Your policy terms and conditions set out what will happen in the event your policy is cancelled.
