The information we collect depends on the type of insurance product you are seeking and whether you proceed to purchase a policy. We typically collect the following:
Identity and contact information: your name, date of birth, email address, postal address, and telephone number; details of any other persons included on your policy.
Policy information: details about your property (including address, construction type, security features, and rebuild value), previous insurance policies, claims history, and any other information relevant to assessing the insurance risk.
Financial information: bank details, payment card details, and information obtained from credit reference checks.
Introducer-supplied data: where you come to us through a financial adviser, mortgage broker, bank, building society, or affinity partner, they may provide us with additional information beyond what is required for the insurance application. This may include details about your mortgage (such as mortgage type or deposit source), your financial circumstances, or a score or indicator reflecting your relationship with the introducing partner (such as a customer loyalty or profile score). This information may be used, alongside other factors, to assess risk and determine the price of your insurance – see Section 3. We use introducer-supplied data only where it is relevant and proportionate to the insurance risk being assessed.
Claims information: details relevant to any claim you make or your involvement in a matter giving rise to a claim, including supporting documents and third-party reports.
Special category data: in certain circumstances, we may process information about your health or criminal convictions. We only process this data where permitted by law – see Section 4 for the specific legal grounds we rely on.
Communications and preferences: records of your communications with us (including telephone calls, which may be recorded for training and quality purposes, emails, and live chat transcripts), your marketing preferences, and any feedback you provide.
Why we need this information. We need the personal information described above in order to arrange your insurance. Where information is required to obtain a quote, place cover, or administer your policy, failure to provide it may mean that we are unable to arrange insurance for you or that insurers are unable to offer you a quotation. We will tell you at the point of collection which information is required and which is optional.