Insurance Administration
Information you supply may be used for the purposes of insurance administration by the insurer, its associated companies and agents, by reinsurers and your intermediary. It may be disclosed to regulatory bodies for the purposes of monitoring and/or enforcing the insurer’s compliance with any regulatory rules/codes. Your information may also be used for offering renewal, research and statistical purposes and crime prevention. In assessing any claims made, the insurer or its agents may undertake checks against publicly available information (such as electoral roll, county court judgments, bankruptcy orders or repossessions). Information may also be shared with other insurers either directly or via those acting for the insurer (such as loss adjusters or investigators). With limited exceptions, and on payment of the appropriate fee, you have the right to access and if necessary rectify information held about you.
Credit Searches and Accounting
In assessing your application the insurer may search files made available to it by credit reference agencies. They may keep a record of that search. The insurer may also pass to credit reference agencies information it holds about you and your payment record. 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 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. Where automatic credit scoring computations are used by the insurer, acceptance or rejection of your application will not depend only on the results of the credit scoring process.
Sensitive Data
In order to assess the terms of the insurance contract or to administer claims which arise, the insurer may need to collect data which the Data Protection Act defines as sensitive (such as medical history or criminal convictions). By proceeding with this application you will signify your consent to such information being processed by the insurer or its agents.
Transfer Overseas
In order to provide the product and services you have requested, it may be necessary for the information you supply to be transferred to overseas companies within the Aviva group and Ford group, and to their respective overseas agents. If such a transfer is made we will ensure that such overseas companies agree to treat your information with the same level of protection as if we were processing it within the United Kingdom.
Marketing
The information you supply may be used by the Aviva Group, and the Ford Group of companies and their respective agents for market research to keep you informed by post, telephone, e-mail, fax, or other means about your future insurance, finance and motoring products and services which may be of interest to you. Your information may be used for these purposes after your policy has lapsed. If you do not wish your information to be used for these purposes please write to Norwich Union FREEPOST, Mailing Exclusion Team, PO Box 6412, Derby, DE1 1SB.
Fraud Prevention & Detection
In order to prevent and detect fraud we may at any time:
Share information about you with other organisations and public bodies including the Police;
Check and/or file your details with fraud prevention agencies and databases, and if you give us false or inaccurate information and we suspect fraud, we will record this. We and other organisations may also search these agencies and databases to:
· Help make decisions about the provision and administration of insurance, credit and related
services for you and members of your household;
· Trace debtors or beneficiaries, recover debt, prevent fraud and to manage your accounts or insurance policies;
· Check your identity to prevent money laundering, unless you furnish us with other satisfactory proof of identity;
· Undertake credit searches and additional fraud searches.
We can supply on request further details of the databases we access or contribute to, by contacting us at Fordlnsure, on 0870 333 1248
Claims History
· Under the conditions of your policy you must tell us about any Insurance related incidents (such as fire, water damage, theft or an accident) whether or not they give rise to a claim. When you tell us about an incident we will pass information relating to it to a database.
· We may search these databases when you apply for insurance, in the event of any incident or claim, or at time of nt ofrenewal to validate your claims history or that of any other person or property likely to be involved in the policy or claim.
Motor Insurance Database
Your policy details will be added to the Motor Insurance Database (MID), run by the Motor Insurers Information Centre (MIIC). This may be consulted by the Police in order to establish who is insured to drive the vehicle. If you are involved in an incident (in UK or abroad), other UK insurers, the Motor Insurer's Bureau and MIIC may search the MID to ascertain the relevant policy information
Persons with a valid claim in respect of a road traffic accident (including citizens of other countries) may also obtain relevant information which is held on the MID.
You can find out more about this by contacting us at Fordlnsure, on 0870 333 1248 or at www.miic.org.uk
You should show these notices to anyone insured to drive the vehicle covered under the policy.
Telephone Taping
For our joint protection telephone calls may be taped and/or monitored.
Data Protection Act - Information Uses
For the purposes of the Data Protection Act 1998, the Data Controllers in relation to any personal data you supply are the insurer, Norwich Union lnsurance Ltd, Ford Motor Company Limited and FCE Bank plc.
