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LEGAL:

YOUR INFORMATION

SECURITY & PRIVACY POLICY STATEMENT

Who we are

Motorcycle, Car, Home, Van and Business Insurance is arranged by Devitt Insurance Services Limited (Devitt) and underwritten from a panel of insurers.

Driving Instructor Insurance is arranged by Devitt and underwritten by The National Insurance and Guarantee Corporation Limited (NIG).

You are giving your information to Devitt. Devitt and NIG are members of The Royal Bank of Scotland Group (The Group). In this Information statement 'we' 'us' and 'our' refers to Devitt unless otherwise stated.

For information about our group of companies please visit www.rbs.com and click on 'About Us', or for similar enquiries please telephone 0131 556 8555 or Textphone 0845 900 5960.

Your electronic information

If you contact us electronically, we may collect your electronic identifier e.g. Internet Protocol (IP) address or telephone number supplied by your service provider.

How we use your information and who we share it with

If you apply for a quotation we will use your information to arrange your insurance policy, including information that is necessary for underwriting and claims handling purposes. This will include disclosing it to the insurer who underwrites the policy we sell to you and third party service providers if additional products are purchased.

Your information comprises of all the details we hold about you and your transactions and includes information obtained from third parties.

We may also use and share your information with other members of the Group to help us and them:

- assess financial and insurance risks;
- recover debt;
- prevent and detect crime;
- understand our customers’ requirements;
- develop and test products and services.

We do not disclose your information to anyone else outside the Group except:

• where we have your permission; or
• where we are required or permitted to do so by law; or
• to fraud prevention agencies and other companies that provide a service to us or you; or
• where we may transfer rights and obligations under this agreement.

We may transfer your information to other countries on the basis that if we do this we will ensure that anyone to whom we pass it provides an adequate level of protection. However, such information may be accessed by law enforcement agencies and other authorities to prevent and detect crime and comply with legal obligations.

From time to time we may change the way we use your information. Where we believe you may not reasonably expect such a change we shall write to you. If you do not object to the change within 60 days, you consent to that change.

Sensitive Information

Some of the personal information we ask you for may be sensitive personal data, as defined by the Data Protection Act 1998 (such as information about health or criminal convictions) We will not use such sensitive personal data about you or others except for the specific purpose for which you provide it and to provide the services described in your policy documents.

Please ensure that you only provide us with sensitive information about other people with their agreement.

Dealing with other people

It is our policy to deal with your spouse or partner who calls us on your behalf, provided they are named on the policy and we have recorded your permission on our computer system. If you would like someone else to deal with your policy on your behalf on a regular basis please let us know although in order for us to deal with any other person who may call on your behalf, we will need to record your consent. If at any time you would prefer us to deal only with you, please let us know.

Fraud prevention agencies

If false or inaccurate information is provided and fraud is identified or suspected, details may 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 applications for, and managing credit and other facilities and recovering debt;
- checking insurance proposal forms and claims;
- checking details of job applicants and employees.

We, and other organisations that may access and use information recorded by fraud prevention agencies, may do so from other countries.

We can provide the names and addresses of the agencies we use if you would like a copy of your information held by them. Please contact us at the address below. The agencies may charge a fee.

If you would like a copy of the information we hold about you, please write to: The Data Protection Officer, Regulatory Risk Department, Churchill Court, Westmoreland Road, Bromley BR1 1DP quoting your reference. A fee may be payable.

Privacy Policy

Please read this privacy policy carefully. If you apply for a quotation you will provide your personal details to us and you consent to its use in accordance with our privacy policy.
So that Devitt or your Insurer can administrate or otherwise carry out our (or their) obligations in relation to any insurance policy you have bought through this website we need to collect and process personal information about you and any additional rider - including name, your home and email address and telephone number(s). For this exercise only, we will only use your email address or telephone number(s) to respond to this enquiry.
Insofar as is necessary in order to provide you with a quotation or otherwise relates to any insurance that you may want to purchase, that information may include information about your previous unspent convictions (if any).
Your "personal information" means any information that we have obtained from you or third parties in connection with a service or product arranged for you by us.
We will ask you for this information on our website. We also need to disclose such information to the relevant Insurers of the insurance products available through this website so that they can decide whether to offer you insurance or not, and if so on what terms.
If you are or have been a customer of ours then both we and the relevant Insurer may continue to process data for the purpose of administrating and otherwise in relation to any policy that you purchase through this website for as long as that policy is in force and for a reasonable period of time afterwards - for example, we or your Insurer may be legally obliged to retain information about you even after your policy has expired.
If you purchase a particular product or service there may be a specific privacy policy that is relevant to that product or service. In the event of conflict between the terms of this privacy statement and the terms of the specific privacy policy that applies to a particular product then the terms of the latter shall prevail.
You should also show this document to anyone else who is covered by, or a party to, any policies or services that you have purchased through us.

Motor Insurance Database

Insurers pass information to the Claims and Underwriting Exchange register, run by Insurance Database Services Ltd (IDS Ltd) and the Motor Insurance Anti-Fraud and Theft Register, run by the Association of British Insurers (ABI). The aim is to help your Insurer to check information provided and also to prevent fraudulent claims. When your Insurer deals with your request for insurance, they may search these registers. Under the conditions of your policy, you must tell them about any incident (such as an accident or theft) which may or may not give rise to a claim. When you tell them about an incident, they will pass information relating to it to the registers.
Your policy details will be added to the Motor Insurance Database (MID), run by the Motor Insurers' Information Centre (MIIC). MID data may be used by the DVLA and DVLNI for the purpose of Electronic Vehicle Licencing and by the Police for the purposes of establishing whether a driver's use of the vehicle is likely to be covered by a motor insurance policy and/or for preventing and detecting crime. If you are involved in an accident (in the UK or abroad), other UK Insurers, the Motor Insurers' Bureau and MIIC may search the MID to obtain relevant policy information.
Persons 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.
You can find out more about this from your Insurer, or at www.miic.org.uk.

Information placed on your computer

We may store some information (commonly known as a "cookie") on your computer when you look at our websites. This information facilitates your use of our websites.
A cookie is a software application that tracks our users' navigation of the websites and stores that information on their hard drives. This allows us to understand our users' habits and preferences which enables us to customise our services for our users to provide an enhanced user experience. We may, for example, use cookies to store registration information so that you do not have to provide it to us on subsequent visits.

Security

Any personal data saved is held safely on our mainframe computer, with security systems preventing unauthorised access and we always ensure it is treated confidentially. For further information regarding our security provisions please see our note titled Further Security.

Further Security

We take security very seriously and our Quote and Buy Websites use one of the strongest available security systems to protect your communications with us. Whenever you fill in a form, such as a request for a quote, it is automatically protected using something called a Secure Socket Layer (SSL) between your computer and ours. SSL works in the following ways:
It prevents impersonation - you can tell that you are using a genuine SSL site by the padlock symbol at the bottom of the screen. Clicking on the padlock will reveal our Registration Certificate that is issued by GlobalSign Organization Validation CA, a leading Internet security company. If the padlock symbol is not shown you can check the security of the website by right-clicking on your mouse anywhere on the screen and click 'Properties' and then click the 'Certificates' tab or 'Security' tab depending on the application.*
It encrypts data - as soon as your computer has recognised our computer they encrypt all information that is passed between them. Data encryption means that no one else can read or change your information as it travels over the Internet.
It prevents scrambling - SSL uses a Message Authentication Code (MAC) to prevent anyone tampering with our Internet site. Your computer will always check this code before it takes a message from us. This means that if anyone tried to interfere with a message, your computer would not recognise the code and would alert you.

*If you are using Microsoft Internet Explorer 4 or 5 there are two minor problems with. Neither problem has any effect on the actual security in force, but may make it appear to you as if it is not fully secure.
Internet Explorer 4. The padlock symbol does not always appear at the bottom when it should. A full description of this error, number Q154621, is at http://support.microsoft.com/support/kb/articles/Q154/6/21.asp

Internet Explorer 5. If you click on the padlock symbol to view the security certificate the following message may be displayed: "This certificate has failed to verify for all of its intended purposes". The other details of the certificate shown are correct. A full description of this error, number Q233479, is at http://support.microsoft.com/support/kb/articles/Q233/4/79.asp

Who regulates us?

Devitt Insurance Services Limited, Churchill Court, Westmoreland Road, Bromley, Kent, BR1 1DP, is authorised and regulated by the Financial Services Authority. Our FSA register number is 312328. Our permitted business is arranging general insurance contracts.
You can check this on the FSA's Register by visiting the FSA's website www.fsa.gov.uk/register or by contacting the FSA on 0300 500 5000.

Changes to our privacy policy

This privacy policy may be modified from time to time. Any changes will take effect once the revised privacy and security statement is available on the website. This is to ensure that you are always aware of which information we collect and how we use it.

Changes to this Website

Devitt may change this website or the insurance products or services offered through it at any time and without giving notice.
Intellectual Property Rights

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