Introduction
How your personal information is used:
Who we are
Your electronic information
How we use your information and who we share it with
Sensitive information
Dealing with other people
Fraud prevention agencies
Who we are
Direct Line for business is underwritten by Direct Line Insurance plc. You are giving your information to Direct Line Insurance plc. a member of The Royal Bank of Scotland Group (The Group). In this Information statement 'we' 'us' and 'our' refers to Direct Line Insurance plc. unless otherwise stated.
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.
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Your electronic information
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.
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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 of all the details we hold about you and your transactions and includes information obtained from third parties.
We may use and share your information with other members of the Group to help us and them:
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assess financial and insurance risks;
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recover debt;
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prevent and detect crime;
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understand our customers' requirements;
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develop and test products and services.
We do not disclose your information to anyone outside the Group except:
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Where we have your permission; or
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where we are required or permitted to do so by law; or
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to fraud prevention agencies and other companies that provide a service to us or you; or
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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.
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.
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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.
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Dealing with other people
It is our policy to deal with your spouse or partner who calls us on your behalf, provided they are named on the policy. 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.
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Fraud prevention agencies
If false or inaccurate information is provided and fraud is identified or suspected, details may 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:
Checking applications for, and managing credit and other facilities and recovering debt;
Checking insurance proposals and claims;
Checking details of job applicants and employees.
We, and other organisations that may access and use information recorded by fraud prevention agencies, may do so from other countries.
We can provide the names and addresses of the agencies we use if you would like a copy of your information held by them. Please contact us at the address below. The agencies may charge a fee.
If you would like a copy of the information we hold about you, please write to: The Data Protection Officer, Regulatory Risk Department, Churchill Court, Westmoreland Road, Bromley BR1 1DP quoting your reference. A fee may be payable.
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