Type of processing |
Grounds for using personal information |
Grounds for special categories |
To assess your insurance application and provide a quote (or a quote you’re named in) |
- PH – To enter into or perform a contract
- ND – We have a legitimate interest (to assess the insurance application and provide a quote)
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- It’s necessary for an insurance purpose
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To verify your identity or carry out fraud, credit and antimoney laundering checks for an insurance application or to provide a quote (or a quote you’re named in) |
- PH – To enter into or perform a contract
- ND – We have a legitimate interest (to carry out appropriate fraud/credit checks)
- TPP – To enter into or perform a contract
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- It’s necessary for an insurance purpose
- It’s in the substantial public interest to prevent or detect unlawful acts
- To establish, exercise or defend legal claim
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To set up your insurance policy (or a policy you’re covered on) |
- PH – To enter into or perform a contract
- ND – We have a legitimate interest (to set up and validate insurance policies)
- TPP – To enter into or perform a contract
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- It’s necessary for an insurance purpose
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To set up a loan or monthly payment plan |
- PH – To enter into or perform a contract
- TPP – To enter into or perform a contract
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- We won’t process your special categories of information for this purpose
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To communicate with you to manage queries and resolve any complaints you might have |
- PH – To enter into or perform a contract
- TPP – We have a legitimate interest (to send you communications, record and handle complaints)
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- It’s necessary for an insurance purpose
- To establish, exercise or defend legal rights
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To comply with our legal or regulatory obligations |
- We have a legal or regulatory obligation
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- It’s necessary for an insurance purpose
- TTo establish, exercise or defend legal rights
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To make sure we consider any customers who may be in a vulnerable circumstance |
- We have a legitimate interest (to ensure a consistent service to all of our customers and that all customers are treated fairly)
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- It’s necessary for an insurance purpose
- Explicit consent
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To manage any claims you make under your insurance policy or a policy you’re covered on |
- PH – To enter into or perform a contract
- ND – We have a legitimate interest (to pay claims and manage the claims process)
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- It’s necessary for an insurance purpose
- To establish, exercise or defend legal rights
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Using driving data to monitor driving practices |
- PH – To enter into or perform a contract
- ND – We have a legitimate interest (to monitor the driving style of drivers insured by us)
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- We won’t process your special categories of information for this purpose
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To assist in risk modelling and renewal pricing of products |
- We have a legitimate interest (to develop and improve our products and services)
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- It’s necessary for an insurance purpose
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To prevent and investigate fraud on an ongoing basis |
- We have a legitimate interest (to prevent and detect fraud and other financial crime)
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- It’s in the substantial public interest to prevent or detect unlawful acts (where we suspect fraud)
- To establish, exercise or defend legal rights
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For debt collection purposes |
- To enter into or perform a contract
- We have a legitimate interest (for example, to recover a debt)
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To provide improved quality, training and security (e.g. through recorded or monitored phone calls to/from us, or customer satisfaction surveys) |
- We have a legitimate interest (to develop and improve our products and services)
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- We won’t process your special categories of information for this purpose
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Managing our business operations (e.g. keeping accounting records, analysing financial results, meeting audit requirements, receiving professional advice, and holding our own insurance) |
- We have a legitimate interest (to carry out business operations and activities that are necessary for the everyday running of a business)
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- We won’t process your special categories of information for this purpose
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For insurance administration purposes including trend analysis, actuarial work, pricing analysis, analysis of customer experience, planning service delivery, risk assessment, and costs and charges |
- We have a legitimate interest (to develop and improve our products and services)
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- We won’t process your special categories of information for this purpose
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To send you marketing materials about our products and services (with your permission) |
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- We won’t process your special categories of information for this purpose
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