Privacy policy of EIG Ltd

This privacy policy sets out how we, EIG Ltd ("EIG, we, us, our"), will use personal data. We will be the data controller of your data for the purposes of the Data Protection Act 1998.

Who will have access to your data?

  • Data will be used by EIG in the manner set out below (see "How will we use personal data?").

What will we collect?

  • We will collect names, addresses and other details provided by you when you contact us with a question or to obtain a quotation for one of our products or services.
  • The information we collect may be held on computer and passed to other insurers and re-insurers for underwriting and claims purposes.
  • When you use this website we automatically collect information about your browsing session such as your IP address and what type of device you are using (eg. a computer, a smart phone or a tablet). We also keep a record of the pages that you view during your visit. This information is used to improve the way in which our website operates and for systems administration purposes. This website also makes use of cookies. For more information please read the “Cookies” section below.

Searches against publicly available sources

If you request a quotation, we may conduct searches about you using external data sources such as the edited electoral roll, county court judgments and the Claims & Underwriting Exchange to assess your application for insurance, to provide you with a renewal quotation and to check the accuracy of your information. These searches may be recorded by credit reference agencies but they will not affect your credit standing.

If you would like to discuss this type of search further, then please use the Contact Us facility on the website, or call us on 020 7939 7200

How will we use personal data?

  • We will use the personal data you provide to us under the ‘Contact Us’ and/or ‘Get a quote’ facilities to answer your request. Once you have inserted your details we may disclose this information to companies within EIG Ltd, service providers and agents so that they can send you relevant information or contact you about the product in question.
  • We may use your information for underwriting purposes, statistical analysis, management information, market research, testing to ensure the integrity of our systems, and risk management. We will only share your information as described in this Privacy Policy, or where we are required or allowed to do so by law.

How to opt out of being contacted for marketing purposes

We would like to keep you informed about carefully selected products and services via mail, email and telephone.

If you have agreed to be contacted in this way and wish to change your preferences you can let us know by emailing info@eig.biz or calling us on 020 7939 7200.

Policy administration & underwriting

In order to administer your insurance policy and any claims made against the policy, EIG Ltd may share personal information provided to us with other companies within EIG Ltd, service providers, agents and with business partners, including companies inside and outside the European Economic Area. If we do transfer your personal information, including where we propose a change of underwriter, we endeavour to keep it appropriately protected.

Fraud prevention & detection

In order to prevent and detect fraud, we may at any time:

  • Share information about you with other organisations including the police
  • Conduct searches about you using publicly available databases
  • Undertake credit searches
  • Check and/or share your details with fraud prevention and detection agencies

If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies. Law enforcement agencies may access and use this information. We and other organisations may also access and use this information to prevent fraud and money laundering, for example when:

  • Checking details on applications for credit and credit related or other facilities
  • Managing credit and credit related accounts or facilities
  • Recovering debt and tracing beneficiaries
  • Checking details on proposal and claims for all types of insurance
  • Checking details of job applicants and employees.

Please use the Contact Us facility on the website or contact us on the number shown on your policy documentation if you want to receive details of the relevant fraud prevention agencies. We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.

Claims history

Insurers pass information to the Claims and Underwriting Exchange Register, run by Insurance Database Services Ltd (IDSL) and the Motor Insurance Anti-Fraud and Theft Register, run by the Association of British Insurers (ABI). This helps us check information provided and prevent fraudulent claims.

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 the relevant database. We and other insurers may search these databases when you apply for insurance, in the event of any incident or claim, or at time of renewal 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

Information relating to your insurance policy will be added to the Motor Insurance Database (MID) managed by the Motor Insurers’ Bureau (MIB). MID and the data stored on it may be used by certain statutory and/or authorised bodies including the police, the DVLA, the DVANI, the Insurance Fraud Bureau and other bodies permitted by law for purposes not limited to but including:

  • electronic licensing
  • continuous insurance enforcement
  • law enforcement (prevention, detection, apprehension and/or prosecution of offenders)
  • the provision of government services and/or other services aimed at reducing the level and incidence of uninsured driving.

If a vehicle of yours is involved in a road traffic accident (either in the United Kingdom, the EEA or certain other territories), insurers and/or the MIB may search the MID to obtain relevant information. Persons (including their appointed representatives) pursuing a claim in respect of a road traffic accident (including citizens of other countries) may also obtain relevant information which is held on the MID. It is vital that the MID holds correct registration numbers for your vehicles. If incorrect details for any of your vehicles are shown on the MID you are at risk of having the relevant vehicle seized by the police. You can check that correct registration number details for your vehicles are shown on the MID at www.askmid.com

Cookies

A cookie is a small file of letters and numbers that some websites store in your browser or the hard drive of your computer. Cookies contain information that is transferred to your computer's hard drive.

Cookies used by EIG Ltd website

This website uses Google Analytics cookies which collect anonymous usage statistics to help us to improve the way our website works, for example, by ensuring that users are finding what they are looking for easily.

We do not use any third party cookies.

At no point do our cookies store any personal or identifiable information.

Disabling Cookies

You may change your website browser settings to reject cookies. The functionality of this site will not be affected.

Links

For your convenience we may have included links on this website to other sites that we believe you may find useful. These websites will each have their own privacy statement, which may differ from ours. Therefore please ensure, when you click on any of our links, that you read the privacy statement located on the website you have selected. Any websites connected with this site are not within our control.

Where you have linked to our website from a third party website, we may be required to pass your personal information to the third party. Please read the privacy statement provided by the third party website to make sure that you understand how they will process your information.

Your consent/information

  • By using this website, you consent to the collection and use of your personal information (including sensitive personal data) by EIG Ltd, provided it is used as set out in this Policy. You also consent to the transfer of your information to countries or jurisdictions both inside and outside the European Economic Area (EEA). Some countries or jurisdictions outside the EEA do not provide the same level of data protection as the United Kingdom. If we do make such a transfer, we will ensure that your information is appropriately protected.
  • If we decide to change the privacy policy, we will post those changes on this page so that you are always aware of the information we collect, how we use it and under what circumstances it is disclosed.
  • You have certain rights under the Data Protection Act 1998, including the right to ask for a copy of the information we hold about you. We may make a small charge for this. You also have the right to ask us to correct your information if it is inaccurate.
  • We use a variety of security technologies and procedures to help protect your information from inappropriate use, and we will continue to revise procedures and implement additional security features as new technology becomes available. However, the Internet is not a 100% secure medium of communication and, accordingly, we cannot guarantee the security of any information transmitted via the Internet. We are not responsible for any damages you, or others, may suffer as a result of the loss of confidentiality of such information.
  • We may monitor or record your communications with us to improve our service and for security and regulatory purposes.
  • Before you provide us with any personal data about a third party you must obtain the correct authority from the individual(s) concerned and undertake to keep them advised about how their information will be used.
  • If your personal details change, please email us or call us on the contact details shown on your policy documentation.

Further information

  • If you have any queries in relation to this privacy policy, please use the Contact Us facility on this website, or you can write to: the Data Protection Officer, EIG Ltd, 38 Borough High Street, London, SE1 1XW
  • Estate Insurance Group Ltd, the trading name of EIG Ltd, a company Authorised and Regulated by the Financial Conduct Authority No 300306. Registered in England, No 3734110. Registered Office: 38 Borough High Street, London, SE1 1XW.