Your privacy and security of your information is important to us. This notice explains who we are, the types of information we hold, how we use it, who we share it with and how long we keep it. We will update this notice as required and at least annually
(every December). Therefore, we suggest you revisit this notice every December to keep yourself informed. It also informs you of certain rights you have regarding your personal information under current data protection law. The terms used in this
Fair Processing Notice are based on the Information Commissioner’s Office. You can find out more about the ICO here: https://ico.org.uk/.
1. Who we are and how important your privacy is to us:
Comparemybikeinsurance.com is a trading style of Atlanta1 Insurance Services Limited.
In this privacy notice we at, Compare My Bike Insurance, a trading name of Atlanta1 Insurance Services Limited, an insurance broker based at Nile Street, Burslem, Stoke-on-ST6 2BA will explain how we collect and use your personal information. We are part of the Ardonagh group who have a direct holding in our business, for more information about the group, please visit https://www.ardonagh.com/
Please read this notice carefully as it explains how we as your broker, and our panel of insurers collect and use your personal information.
2. The information we collect and where we get it from
In order for us to provide our services to you it is necessary that we collect certain information from you to provide a quote for a new policy or to offer you a quotation before your renewal date, or to administer your insurance policy. Usually this
will be provided to us from you or someone connected to you, and we will make checks with credit reference agencies to verify your identity, and also run your information against the Claims and Underwriting Exchange to ensure we have the full details
of your or any named rider/driver claims history.
As you have requested a quote with us via our price comparison site the information you provide will be shared with insurers and brokers to provide the service to you.
Generally the information will include the details that are necessary for us to provide you with a quote or for you to buy a policy:
- General information about you such as your name, address, contact details, occupation and date of birth
- Information about what and/or who you want to insure, such as vehicle details
- Your claims and credit history
- Financial details such as bank accounts and card details
- Sensitive personal information such as your health and criminal convictions, we will only use this information to help provide you with an insurance policy
- Information about your use of our website such as your IP address, which is a unique number identifying your computer. Please see our Cookie Notice: https://www.comparemybikeinsurance.com/cookies for more information
Where we ask you for information about other people, such as additional riders or drivers, you must ensure that you have their consent to give us their details.
Why we collect this information and how we will use it
We collect the information above in order to provide you with an insurance quote and/or an insurance policy. It is necessary in order to assess your application, verify your identity and arrange your insurance policy. The information may be used for the prevention and detection of financial crime. We will also use the information you provide to analyse your shopping habits and, if you buy a policy, how you use the benefits. This will help us to continue to design and offer products & services that meet our customers’ needs.
If you call us we will use call recording and the details you have given to facilitate compliance and quality monitoring.
In order that we can provide you with a quotation we may use the information you have provided to us for analysis and profiling and to support our pricing strategy, this may include applying a discount if you have contacted us in the past (and providing you have not made any claims), this may involve an automated decision. If you object to an automated decision being made please contact us and we will review your details.
We and the insurance brokers may collect data about you from credit reference agencies to confirm your identity, assess your risk profile and offer you appropriate products. The search conducted will not impact your credit score and can only be seen by you, us and the credit reference agency.
If you apply for credit with Close Brothers Premium Finance to fund your insurance premiums they will undertake a credit search and leave a record of this on your credit file. These checks are known as ‘hard searches’, meaning they're visible to other lenders and could affect you if you apply for credit in future.
3. Communicating with you about similar products
We would like to inform you of our future offers and similar products that may be of interest to you. Where you have said it’s ok, we will share your information with other members of the Ardonagh Group (http://www.ardonagh.com/about-us/business-portfolio) who also offer insurance products and services, you can unsubscribe at any time via phone, in writing (see the address at the bottom of this notice) or by email.
4. Sharing your information
We and your insurer may share your personal information with:
The insurance brokers on this aggregator (Autonet Insurance Services and Carole Nash Insurance Consultants)
Business partners who help us to provide a service to you on our behalf;
Other companies within the Ardonagh Group. This includes our sister company Autonet and their respective sub-contractors with whom we may share data for the administration of your policy (should you decide to take out a policy) and to process discounts on quotes where we are able to identify positive risk profiles;
Other insurance companies, reinsurers, legal advisors, loss adjusters, claims handlers and/or other organisations In order to administer any claim you may make;
Organisations where we have a duty to or are permitted to disclose your personal information by law (for example if we receive a valid request from the Police in the interest of preventing and detecting crime);
The Motor Insurance Bureau, that records information of all motor insurance policies for law enforcement purposes Fraud prevention Agencies available to the insurance industry to check information and prevent financial crime;
Credit reference agencies to check your credit history. If you choose to pay in full a “soft” check will be recorded on your credit reference file which will not be visible to other lenders or affect your credit score;
Third parties involved in financial management regarding payment.
Our premium finance provider. If you have chosen to pay by instalments your details will be passed to the lender who will arrange the credit agreement.
We may also share your data with other companies who carry out market research on our behalf and who may contact you for the purpose of obtaining feedback on the products and services we offer.
5. How long we keep your information
We will keep your information only for as long as is reasonably necessary for the purposes set out in the privacy notice and to fulfil our legal obligations:
- If you have obtained a quote from us, but not purchased the policy, we will retain your records for 3 years.
- If you have contacted our call centre, call recordings will be held for 37 months.
- If you are a Carole Nash customer we will retain your records for a total of 7 years.
Further details on the information we hold about you and how long we hold it for can be obtained from the Data Protection Officer at Trafalgar House, 110 Manchester Road, Altrincham, Cheshire, WA14 1NU.
6. Securing your personal information
We follow strict security procedures in the storage and disclosure of your personal information in line with industry practices, including storage in electronic and paper formats. We store all the information that you provide to us, including information
provided via forms you may complete on our websites, and information which we may collect from your browsing (such as clicks and page views on our websites).
Any new information you provide us may be used to update an existing record we hold for you.
7. Use and storage of your information overseas
Where we pass information to service providers such as your insurers, some may process this information overseas in countries such as the United States. Where this happens appropriate measures will be in place to ensure that it is only used to administer
your insurance policy and is kept secure at all times.
What are your rights
There are a number of rights that you have under data protection law. Commonly exercised rights are:
- Access – You may reasonably request a copy of the information we hold about you. ICO guidance
- Erasure - Where we have no legitimate reason to continue to hold your information, you have the right to have your data deleted (sometimes known as the right to be forgotten). ICO guidance
- We may use automated decision making in processing your personal information for some services and products. You can request a manual review of the accuracy of an automated decision if you are unhappy with it. ICO guidance
- Marketing - If you wish to inform us of changes in consent for marketing please contact us at the address or telephone number indicated in any recent correspondence or emails you have received from us.
If you are unhappy about the way we have handled your data or upheld your rights, you can complain to the Information Commissioner’s Office (ICO) at any time.
You can contact our Data Protection Officer for more details about any of the information contained in the notice by writing to us at:
The Data Protection Officer
Compare My Bike Insurance
110 Manchester Road