1. Who is the Data Controller
2. Your Rights
We comply with and are registered under the data protection laws in the United Kingdom and take all reasonable steps to prevent any unauthorised access to your personal data.
You are entitled to the information we hold about you, for the admin fee of £10. If any of the information held is inaccurate we will also make any necessary amendments and confirm to you that these have been made.
You have the right to request at any time that we cease processing your personal data for marketing purposes. If you wish to do this please write to the Data Protection Officer at 330 Upper Parliament Street, Liverpool, L8 7QL.
You are also entitled to ask us to remove personal information from our records and if you wish to do this then please write to the Data Protection Officer at the address above. Please provide your full name, address and date of birth when contacting us.
3. Insurance Administration, Renewal and Claims Handling
Information you supply may be used for the purpose of insurance administration, renewal and claims handling by the insurer, its agents, re-insurers and your intermediary. In assessing any claims made, insurers may undertake checks against publicly available information such as Electoral Register, County Court Judgments, bankruptcy or repossession information. Information may also be shared with other insurers either directly or via those acting for the insurer such as Loss Adjusters or investigators.
4. Marketing and Market Research
ICUK Insurance, may use your information to keep you informed by post, telephone, email or other means of products and services which may be of interest to you. They may also contact you to conduct market research. Your information may also be used for the above purposes after your policy has lapsed. If you do not wish your information to be used for these purposes please write to the Data Protection Officer at the address set out in the “Your Rights” section above.
5. Credit Searches
In assessing your application/renewal, the insurer / credit provider may search files made available to the insurer / credit provider by Credit Reference Agencies. They may keep a record of that search. The insurer / credit provider may also pass to Credit Reference Agencies information the insurer / credit provider hold about you and your payment record with the insurer / credit provider. Credit Reference Agencies share information with other organisations, enabling applications for financial products to be assessed or to assist the tracing of debtors, or to prevent fraud. The insurer / credit provider may ask Credit Reference Agencies to provide a credit scoring computation. Credit scoring uses a number of factors to work out risks involved in any application. A score is given to each factor and a total score obtained and this together with other factors will be used to accept or reject your application.
6. Consultancy and advisory services as described by the Information Commissioner’s Office,
for the purpose of data protection Act/GDPR 2018
Giving advice or rendering professional services. The provision of services of advisory, consultancy or intermediary nature.
Data Subjects are:
Customers and clients.
Complainants, correspondents and enquirers.
Advisers, consultants and other professional experts.
Data Classes are:
Family, lifestyle and social circumstances.
Education and training details.
Goods or services provided.
Racial or ethnic origin.
7. Overseas Transfer of Data
We and the other companies processing your data for the purposes mentioned above may from time to time need to undertake some of the processing in countries outside of the European Economic Area which may not have laws to protect your personal data, but in all cases we will ensure that it is kept securely and only used for the purposes for which you provided it. Details of the companies and countries involved can be provided on request.
A cookie identifies your computer to a server that then enables information to be stored on the hard drive of your computer. Cookies allow a computer to be identified as corresponding to one that has accessed another website or visited a site previously. Cookies are commonly used on the Internet and do not harm your computer system.
We may, from time to time use and serve cookies, pixel tags or action tags. Any information that is collected via cookies, pixels and action tags is completely anonymous.
Collating anonymous aggregated information that is used to manage and plan enhancements to our services.
To evaluate the effectiveness of our advertising and promotions on third party websites, for example by tracking whether these advertisements are clicked on by users.
We are continually looking to adopt and implement certain practices and technologies in order that we may improve your user experience.
9.How can I stop cookies and what effect will this have?
You can stop cookies from being deployed on your computer by configuring your browser not to accept them or opt-out. Please refer to your browser’s ‘help’ facility.
If cookies are already on your system, you can delete them – For more information on cookies and deletion of cookies please visit: http://www.allaboutcookies.org/manage-cookies/
Please be aware that deleting certain cookies can result in difficulties when navigating around sites.
10.How secure is the information I give to you?
The payment site employs enhanced encryption techniques which seek to ensure that all of your confidential data (such as credit card number, name, address and other information) cannot be intercepted, unscrambled or copied when being transmitted between our sever and yourself. Your personal and sensitive data are covered by the data protection Act/GDPR 2018.
11. UK Residents only
The products and services described on this website are only available to residents of the United Kingdom insuring private cars within Great Britain, Northern Ireland and the Isle of Man (excluding the Channel Islands). By requesting a quote, you confirm that all drivers on your policy are UK residents and that if there is any change to this status then you would immediately notify the insurance provider.
12. Responsibility for content
We are providing this website on an “as is” either end basis and make no representations or warranties of any kind in respect of this site or its contents and disclaim all such representations and warranties. In addition, we make no representations or warranties about the accuracy, completeness, or suitability for any purpose of the information and related graphics published in this website The information contained in this site may contain technical inaccuracies or typographical errors. All Our liability howsoever arising for any such inaccuracies or errors is expressly excluded to the fullest extent permitted by law.
We make no warranty that the website or any linked website is free from viruses, mal ware or other malicious computer problems. You are responsible for ensuring that you use the appropriate Antivirus software. Neither we nor any of our employees or other representatives will be liable for loss or damage arising out of or in connection with the use of this site. This is a comprehensive limitation of liability that applies to all damages of any kind, including (without limitation) compensatory, direct, indirect or consequential damages, loss of data, income or profit, loss of or damage to property in claims of third parties.
Notwithstanding the foregoing, none of the exclusions and limitations under the clause are intended to limit any rights You may have as a consumer under local law or other statutory rights which may not be excluded or in any way to exclude or limit Our liability to You for death or personal injury resulting from Our negligence or that of Our employees or agents.
13. Third Party Websites
This website may also contain hypertext links to websites operated by third parties. The operation and content of those websites shall be determined by the organisation which controls the website and this will be governed by separate terms and conditions. Links are provided for convenience only and inclusion of any links should not be taken to imply endorsement in any way of the site to which it links. We accept no responsibility or liability for the contents of any other website.
14. Anti-Spam Policy
What is Spam?
Spam is unsolicited e-mail, often of a commercial nature, sent indiscriminately to multiple mailing lists, individuals, or news groups. In short, spam is “junk e-mail.” As defined by H.R. 3113 and reported by the Subcommittee on Telecommunications, Trade, and Consumer Protection, unsolicited e-mail refers to any electronic message that:
- advertises a product or service for profit
- is sent for other commercial purposes
- is sent to a recipient with whom the initiator does not have an existing business relationship
- or invites the recipient to view content on an internet website that is operated for a commercial purpose
ICUK recognises an e-mail as “spam” if:
- the recipient is unable to easily unsubscribe from the e-mail list
- the transmission contains invalid or forged headers
- invalid or non-existent domain name
- or other means of deceptive addressing, or in the opinion of the recipient
- the transmission and reception of the message appears to give a disproportionate benefit to the sender
15. Use of the website communication alertness
You agree that your use of the website will in no way affect the integrity or security of the website or cause unreasonable inconvenience to any of our staff. Please be aware that communications over the internet, such as emails/webmails are not secure unless they have been encrypted. Your communications may route through a number of countries before being delivered – this is the nature of the World Wide Web/Internet. We cannot accept responsibility for any unauthorised access or loss of personal information that is beyond our control.
We have in our sole discretion the right to issue a warning, temporary suspension, or an indefinite suspension and termination of your rights to use the website If you:
– Act inconsistently and in breach of these terms and conditions;
– At any time violate or attempt to violate any rights of any other user of the website or third parties;
– Are engaged in any fraudulent activity.
17. Your electronic information
If you communicate with us electronically, we may collect your electronic identifier e.g. Internet Protocol (IP) address or telephone number supplied by your service provider.
18. Legal Disclaimer
If required by the Government, Regulatory body or Law Agencies we may disclose personal information when required by law or in the good-faith belief that such action is necessary in order to conform to the law or comply with legal process.
20. E-mail Links
On our website we may use e-mail links to allow you to contact us directly via e-mail. We use the information provided in your e-mail to respond to your questions or comments. We may also store your comments for future reference. Your personal information is never shared with third parties.
If any provision of these terms and conditions are held by any competent authority to be invalid or unenforceable in whole or in part, the validity of the other provisions of this agreement and the remainder of the provision in question will not be affected. English law will apply to this agreement and the parties agree to submit to the non-exclusive jurisdiction of the English courts. Save as expressly provided elsewhere these terms and conditions shall apply only between us and you and no other person shall be entitled to benefit from them.