About your information
When you contact us, whether by phone, email, through our websites or otherwise, we may keep a record of your communication with us to help solve issues that you might be facing, but also for training quality assurance and statistical purposes, as well as to improve our products and services.
We use information about you to provide an estimate or quote, facilitate the purchase of products through this site and to carry out our obligations for any agreement you have with us (and information relating to joint, family or group applications):
We will use your personal information, and may share your personal information with other third parties acting on our behalf, for one or more of the following purposes:
- provide our services to you
- work out financial and insurance risks by credit scoring
- understand our customers’ needs and requirements
- carry out research and analysis about our products and services
- provide tailored information and offers about products and services that may be of interest to our customers
- carry out our obligations for any agreement you have with us
- recover debt
- prevent and detect crime.
We may contact you by phone or post and, if you provide us with an email address or mobile phone number, we may send you emails and/or text message with operational messages about your insurance policy. As texts and emails are not necessarily secure and can be intercepted, we will keep confidential information to a minimum.
We will only share your information:
- where we have your express permission
- where we have to do so or where we are allowed to do so by law
- for aggregated market research purposes where you will not be identifiable
- with regulatory bodies and authorities
- with credit reference agencies and fraud prevention agencies
- with insurers and other companies that help us to provide our services including companies that provide or may provide funding or services to us or help us recover debt
We collect and retain your information when you access our website, complete an insurance quote or purchase an insurance policy or when you provide information over the telephone or internet. We also retain information about policies you hold with us, including transactions and payments you make to us.
We may supplement the information we hold about you with information from third parties such as credit reference agencies and publicly available sources to performs checks, assess the accuracy of the information we hold about you and provide you with relevant offers.
We may monitor and record calls to and from our customer services centres to improve our service and prevent and detect fraud.
If you contact us electronically (email or internet), we may collect your electronic identifier such as your internet protocol address (IP Address). When you visit our website, we collect non-personal information about your browsing habits using cookies.
We will retain and use information relating to insured persons that you provide to us. If you provide us with details of other insured persons, you must ensure that you have the permission of the other insured persons before revealing information to us about them.
We may process personal data where necessary, for example where you tell us you have a medical condition which requires special treatment or where you tell us that you have information relating to criminal conviction in connection with your insurance policy.
We may send your personal information to other countries outside the EU, for example where our service provider has a data centre overseas, but only when we can be sure your information will be adequately protected.
We keep your information for as long as we need to for legitimate business purposes and for legal and regulatory reasons. We will retain your information after your policy has lapsed and where you make an application but do not go on to purchase the product from us.
How we use your information
To provide you with quotations or to assess your insurance application and the terms on which cover may be offered, and to process claims and maintain your policy during the period of insurance and at renewal, we may obtain information about you, those insured/named on your policy and any person who may be paying your premiums from third parties such as credit reference agencies (including publicly available data, previous searches and the full electoral register).
The agencies may record our enquiries. This will not affect your credit rating.
We may share your information with the Claims and Underwriting Exchange register, run by the Insurance Database Service Limited (IDS Ltd) and other similar databases or fraud prevention agencies.
These services help us check information that is given to us and to prevent or detect crime, including fraud. When we process your request for insurance cover or when you make a claim, we may search these registers.
If you give inaccurate details or fraud is suspected this may be shared with fraud prevention agencies, and may also be used by other organisations to make decisions about you and others in your household on credit, insurance (including claims), debt tracing, and to prevent crime. If such companies suspect fraud, we will share your relevant personal information with them.
We may research, collect and use data about you from publicly available sources, including social media and networking sites. We and our panel insurers may use this data for the purposes of fraud detection or prevention.
How we use your information
Sending Marketing Information
We will send you tailored marketing information by post, telephone, text and email, if you have expressly agreed to receive marketing information via these channels.
We may contact you if you abandon or fail to complete an online quotation or application to see if we can offer you any assistance.
We may also display tailored online advertising on third party websites, such as social media sites, sites operated by internet service providers and sites which sell advertising space.
We may use the information that we hold about you to personalise the advertisements to you you. Where we display personalised advertisements on third party sites, we display the Ad Choices logo which you can click on for further information about online behavioural advertising.
Opting Out Of Marketing
You can opt out of marketing during the application process or at any time by using the unsubscribe options when we contact you, via your customer area, or by calling us.
How we use Your Information
We collect and use non-personal information in the following ways.
When you visit our site, we log your IP address (the unique address which identifies your computer on the internet). We use IP addresses to collect broad geographic information on our site visitors.
Cookies are small text files that are downloaded to your device when you visit a website. The contents of the cookies are then available to the originating website each time you visit it.
Cookies cannot look into your computer and obtain information about you or your family or read any material kept on your hard drive and cookies cannot be used to identify who you are.
If you disable cookies you may not be able to log into the secure areas of our website to retrieve your insurance documents or renew your policy, voucher codes and promotional offers may not be applied and your navigation of our site may be less enjoyable.
Cookies do many different jobs. They can help you to navigate between pages efficiently, remember your preferences, and improve the user experience. They can also help to ensure that adverts you see online are more relevant to you and your interests.
These remain on a user’s device for a time period specified in the cookie. They are activated each time the user visits the website that created that particular cookie.
Session cookies allow website operators to link user’s actions during a browser session. The session starts when a user opens the browser window and finishes when they close the browser window. Session cookies are temporary – once the browser is closed, all session cookies are deleted.
Strictly Necessary Cookies
These cookies enable the services you ask for.
These cookies are essential to allow you to move around the website and use its features, such as accessing secure areas. Without these cookies, we cannot provide you with the services you ask for; you would be unable to apply for our products and services or manage your products online.
These cookies collect anonymous information on the pages you visit.
Performance cookies collect information about how visitors use the website, such as which pages visitors go to most often, and whether they get error messages from web pages. Performance cookies don’t collect information that identifies an individual – they are only used to improve the website.
Cookies can also allow us to improve the content of our website to suit your interests. For example, instead of showing messages about products you already have, experience cookies allow us to offer you a more tailored, better user experience.
These cookies improve your experience by remembering the choices you’ve made. They allow the website to remember choices you make (such as your name, language or the region you’re in) and provide enhanced, more personal features.
Cookies can also be used to remember changes made to text size, fonts and other parts of web pages. They may be used to provide services you ask for such as playing a video or adding a comment on a blog. The information these cookies collect may not reveal the person’s identity and they cannot track browsing activity on other websites.
Targeting or Advertising Cookies
Targeting cookies collect information about browsing habits to make advertising more relevant to you and your interests. They are also used to limit the number of times an advertisement is seen and to measure the effectiveness of the advertising campaign.
We may use cookie information collected from our website and apps to select who we display advertisements to on third party websites, including social media sites.
To develop our site in line with our customers’ needs, we keep a track of which pages are visited most frequently and how long visitors spend on our site. We use this information to help improve the site.
We never gather other information from your disk or computer. All visitor information is transferred over secure channels using industry standard encryption. We encrypt all transmitted visitor information (even from non-secure pages), so no-one else can read the information we gather.
We use Google Analytics, a web analytics service provided by Google, Inc. Google Analytics sets a cookie in order to evaluate your use of this site. Google stores the information collected by the cookie on servers in the United States. Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google’s behalf. Google will not associate your IP address with any other data held by Google. We use Google Analytics to optimise this site and improve the service we provide to our visitors. More information about how to reject or delete this cookie may be found here: http://www.google.com/intl/en/privacypolicy.html (external link)
None of the information we pass to Google Analytics can be used by Google to identify an individual. We use the data to identify and understand patterns of usage on our website. We only collect data that relates to what goes on, on our site and the information cannot be used for marketing on an individual basis.
From time to time, we may invite our website visitors and customers to participate in an online survey about our online and claims services. Participation is entirely optional and any information we collect is only used to improve the products and services we offer to our website visitors and customers.
Find Out More Or Request A Copy Of The Information We Hold
Finding Out More
You can find our more about how we use your information by simply calling us or writing to us:
Write to us: The Data Protection Officer, Protectivity, Belmont House, Lane End, Bucks, HP14 3ER.
Right Of Access, Correction, Erasure And Restriction
Your duty to inform us of changes
It is important that the personal information we hold about you is accurate and current. Please keep us informed if your personal information changes during your working relationship with us.
Under certain circumstances, by law you have the right to:
Request access to your personal information (commonly known as a “data subject access request”). This enables you to receive a copy of the personal information we hold about you and check that we are lawfully processing it.
Request correction of your personal information that we hold about you. This enables you to have any incomplete or inaccurate information we hold about you corrected.
Request erasure of your personal information. This enables you to ask us to delete or remove personal information where there is no good reason for us continuing to process it. You also have the right to ask us to delete or remove your personal information where you have exercised your right to object to processing (see below).
Object to processing of your personal information where we are relying on legitimate interest (or those of a third party) and there is something about your situation which makes you want to object to processing on this ground. You also have the right to object where we are processing your personal information for direct marketing purposes.
Request the restriction of processing of your personal information. This enables you to ask us to suspend the processing of personal information about you, for example if you want us to establish its accuracy or the reason for processing it.
Request the transfer of your personal information to another party.
If you want to review, verify, correct or request erasure of your personal information, object to the processing of personal data, or request that we transfer a copy of your personal information to another party, please contact the Data Protection Officer at SportsCover Direct at time of writing.
You will not have to pay a fee to access your personal information (or to exercise any of the other rights). However, we may charge a reasonable fee if your request for access is clearly unfounded or excessive. Alternatively, we may refuse to comply with the request in such circumstances.
We may need to request specific information from you to help us confirm your identity and ensure your right to access the information (or to exercise any of your other rights). This is an appropriate security measure to ensure that personal information is not disclosed to any person who has no right to receive it.
In the limited circumstances where you may have provided your consent to the collection, processing and transfer of your personal information for a specific purpose, you have the right to withdraw your consent for that specific processing at any time.
To withdraw your consent, please contact the Data Protection Officer. Once we have received notification that you have withdrawn your consent, we will no longer process your information for the purpose or purposes you originally agreed to, unless we have another legitimate basis for doing so in law.
We have appointed a Data Protection Officer (DPO) to oversee compliance with this privacy notice. If you have any questions about this privacy notice or how we handle your personal information, please contact the DPO.