Privacy & security policy

Insurance2go is a trading name of Loyal Insurance Services Ltd.

Insurance2go Business is the trading name of Square Pound Ltd.

In this Privacy statement references to “we” “us” and “our” is Loyal Insurance Services Ltd trading or Square Pound Limited.

The “administrator” is Citymain Administrators Ltd for Insurance2go and Burnett & Associates Ltd for Insurance2go Business, their contact information can be found under “Contact us” below. To view the administrator’s full privacy policy please visit www.spbuk.com

Collection of information

We take your privacy seriously and promise to respect your personal information and collect it fairly and lawfully in accordance with the Data Protection Act 2018 (as amended and updated from time to time).

Personal information we collect will be held in digital and / or paper format . We collect personal information such as, but is not limited to name, address, date of birth, IP addresses and information about the technology you are using.

We collect personal information when you;

• Request a Quote
• Purchase a product or service
• Make a payment
• Register a claim
• Update your marketing preferences
• Change your cover details
• Ask a question from your customer contact centre
• Make a complaint

We only collect information that we need and have controls to keep it safe. We will do our best to ensure that your details are kept accurate and up to date.

Exchange of Information

We exchange personal information with approved organisations for underwriting and fraud prevention purposes and we may provide such information to others where required by law. We, and other companies associated to us, will use and analyse your personal information for the following purposes:

• Managing and administering products and services that we supply – in the case of insurance products this will include underwriting, reinsurance and claims handling purposes and may include disclosing your information to other insurers, reinsurers, regulatory authorities or to our agents who provide services on our behalf.
• external companies such as digital content providers to display adverts about our products and services.
• financial risk assessment, money laundering checks, compliance and regulatory reporting and fraud prevention;
• assisting in making decisions on insurance proposals, other products and any claims made by you, members of your household, and others connected with your insurance proposals and claims; and
• helping us to develop new and innovative products and services. Your personal information will only be disclosed to a third party outside of SPB UK & Ireland Ltd if such a third party has agreed to keep your personal information strictly confidential and use it only for the purpose for which we provide it to them and only kept in-line with our data retention period;
• it is necessary for the performance of an agreement we have with you;
• such disclosure is required or permitted by law;
• any such third party provides benefits or services to you under or in connection with our agreement with you;
• or it is a credit reference or fraud prevention agency.

Processing of Information

We will process personal information for our legitimate interests, when we have a business reason to do so.
This includes, but is not limited to;

• Preventing and Detecting financial crime and Fraud.
• Improving and developing new products and prices.
• Improving our customer service.
• Improving the relevance of our marketing campaigns.
• Sharing personal information with other SPB companies.

We constantly strive to improve the quality of our service and the efficiency of our systems and so, from time to time, we may use your personal information to help us do this.
To view the administrator’s full privacy policy please visit www.spbuk.com

Marketing Preferences

We will only send you marketing information about our products and services if you have given us permission. You can withdraw your consent at any time.

We may contact you by post, email, SMS or telephone number in accordance with your marketing preferences. You can opt-out of any marketing, at any time.

How to stop the use of your personal data for direct marketing

You can stop direct marketing from us in several ways:

Click the ‘unsubscribe’ link included in all marketing emails we send you. We will then stop any further marketing emails from that business.

Call the Customer Contact Centre details can be found on the contact us page or email marketingpreferences@insurance2go.co.uk to opt-out of receiving telephone, post, SMS or direct mail.

Write to us at Marketing Preferences, SPB UK & Ireland Ltd, 3000 Lakeside, Western Road, Portsmouth, PO6 3FQ.

Please note that you may continue to receive communications for a short period after changing your preferences while our systems are fully updated.

Business Information

Where you take out a business insurance policy with us we may collect and use personal information to arrange, underwrite, manage your policy, prevent fraud and handle claims.

The personal information we use for these types of policies may include information about your business, including the business name, the contact person for your business, details of directors, partners or individual traders for the business and payment information.

We may also collect details about the number of employees, details of employees, their role in the company and details of the business assets or liabilities to be insured.

We’ll collect identity information in relation to employees or other people to be insured under the policy.

 Dealing with other people

If you would like someone else to be able to deal with your policy for you on a regular basis, please contact our administrator.

Monitoring & recording of emails & telephone calls

Our administrator may record telephone calls for monitoring and training purposes to assist in preventing and detecting fraud.

Data storage security

All personal information collected by us is done so securely with security systems to prevent unauthorised access. 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 an online 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 of the image opposite will reveal our Registration Certificate that is issued be 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 to prevent anyone tampering with the 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.

Security

Please be on your guard for suspicious emails. If you do receive an email asking you to submit account or security details (such as a credit/debit card number or password) or if you are suspicious in any way of any communication, you are asked to provide over the internet in connection with Insurance2go please Contact Us. If you wish to discuss any matter set out in this document, please contact our administrator.

Contact us

You will find most questions answered in our Frequently Asked Questions.

Insurance2go

• For billing queries, change of details and claims please contact our administrator.
• Email: help@insurance2go.co.uk
• Post: Citymain Administrators Ltd, 3000 Lakeside, North Harbour, Western Road, Portsmouth, PO6 3FQ
• Telephone: 0333 999 7905 (local rate call) Monday to Saturday 9:00am-5:30pm

For sales queries please contact our sales team

• Email: help@insurance2go.co.uk
• Post: Citymain Administrators Ltd 3000 Lakeside, North Harbour, Western Road, Portsmouth, PO6 3FQ
• Telephone: 0333 999 7905 (local rate call) Monday to Saturday 9:00am-5:30pm

Insurance2go Business

For billing queries, change of details and claims please contact our administrator

• Email: admin@burnett.co.uk
• Post: Burnett & Associates Ltd, 3000 Lakeside, North Harbour, Western Road, Portsmouth, PO6 3FQ
• Telephone: 0333 999 7901 (local rate call) Monday to Saturday 9:00am-5:30pm

For sales queries please contact our sales team

• Email: sales@loyalinsurance.co.uk
• Post: Burnett & Associates ltd 3000 Lakeside, North Harbour, Western Road, Portsmouth PO6 3FQ
• Telephone: 02393 092 903 (local rate call) Monday to Saturday 9:00am-5:30pm

Our Underwriter - Collinson Insurance Privacy Notice

How We Use The Information About You

As a data controller, we collect and process information about you so that we can provide you with the products and services you have requested. We also receive personal information from your agent on a regular basis while your policy is still live. This will include your name, address, risk details and other information which is necessary for us to:

• Meet our contractual obligations to you;
• issue you this insurance policy;
• deal with any claims or requests for assistance that you may have
• service your policy (including claims and policy administration, payments and other transactions); and,
• detect, investigate and prevent activities which may be illegal or could result in your policy being cancelled or treated as if it never existed.

In order to administer your policy and deal with any claims, your information may be shared with trusted third parties. This will include members of The Collinson Group, third party administrators, contractors, investigators and claims management organisations where they provide administration and management support on our behalf. Some of these companies are based outside of the European Union where different data privacy laws apply. Wherever possible, we will have strict contractual terms in place to make sure that your information remains safe and secure.

We will not share your information with anyone else unless you agree to this, or we are required to do this by our regulators (e.g. the Financial Conduct Authority) or other authorities.

The personal information we have collected from you will be shared with fraud prevention agencies and databases who will use it to prevent fraud and money-laundering and to verify your identity. If fraud is detected, you could be refused certain services, finance, or employment. Further details of how your information will be used by us and these fraud prevention agencies and databases, and your data protection rights, can be found by visiting www.cifas.org.uk/fpn and www.insurancefraudbureau.org/privacy-policy

Processing Your Data

Your data will generally be processed on the basis that it is: necessary for the performance of the contract that we have with you;

• is in the public or your vital interest: or
• for our legitimate business interests.

If we are not able to rely on the above, we will ask for your consent to process your data.

How We Store And Protect Your Information

All personal information collected by us is stored on secure servers which are either in the United Kingdom or European Union.

We will need to keep and process your personal information during the period of insurance and after this time so that we can meet our regulatory obligations or to deal with any reasonable requests from our regulators and other authorities.

We also have security measures in place in our offices to protect the information that you have given us.

How You Can Access Your Information Or Correct Anything Which Is Wrong

You have the right to request a copy of the information that we hold about you. If you would like a copy of some or all of your personal information please contact us by email or letter as shown below:

Email address: data.protection@collinsongroup.com

Postal Address: Sussex House, Perrymount Road, Haywards Heath, Sussex RH16 1DN

This will normally be provided free of charge, but in some circumstances, we may either make a reasonable charge for this service, or refuse to give you this information if your request is clearly unjustified or excessive.

We want to make sure that your personal information is accurate and up to date. You may ask us to correct or remove information you think is inaccurate.

If you wish to make a complaint about the use of your personal information, please contact our Complaints manager using the details above. You can also complain directly to the Information Commissioner’s Office (ICO). Further information can be found at https://ico.org.uk/