Several stages of the insurance process involve automated (computer-based) processing. It is important to understand the difference between automation that assists a process and solely automated decisions that have a significant effect on you, because your rights differ in each case.
1 Automation used to assist processing
Uinsure uses automated systems to support certain activities. These involve automated processing but are not solely automated decisions that produce legal or similarly significant effects on you without human involvement.
Quote comparison and presentation. Our systems submit your information to insurers on our panel and present the resulting quotes to you or your introducer. The selection and ordering of quotes may involve automated logic, but the choice of whether to proceed with any quote is yours.
Quality assurance and call monitoring. We use automated tools, including AI-assisted transcription and scoring, to analyse recordings of telephone calls between our staff and customers. This is used to assess service quality and regulatory compliance. These tools assist our quality assurance team but do not make decisions about you. No action is taken in relation to your policy or claim based solely on automated call analysis.
2 Automated pricing decisions
Both Uinsure and insurers on our panel use automated systems to calculate premiums, assess risk, and determine the price of your insurance. These systems apply rules and algorithms to the information described in Section 1 (including property details, claims history, location data, and where available introducer-supplied data) to assess the likelihood of a claim and calculate a premium. Where these decisions are based solely on automated processing and produce legal or similarly significant effects on you, the safeguards described in Section 5.4 apply. For pricing decisions made by insurers, each insurer is an independent data controller and is responsible for providing its own safeguards – see Section 6.1.
3 Other automated decisions made by insurers and finance providers
Insurers, finance providers, and their appointed agents may make other decisions about you using their own automated systems. Each acts as an independent data controller for these decisions.
Claims handling and triage. Claims are handled by the insurer (or their appointed claims handler) as an independent data controller. Insurers may use automated processing to triage claims, assess them against policy terms, and determine settlement. Where these decisions are based solely on automated processing and produce legal or similarly significant effects on you, the insurer is responsible for providing the applicable safeguards.
Credit referencing. Where you choose to pay by monthly instalments, your premium finance provider may use automated credit scoring to assess your eligibility. The finance provider is an independent data controller – see Section 6.5.
4 Your rights regarding solely automated significant decisions
Where a decision is made about you that is based solely on automated processing and produces legal or similarly significant effects, safeguards apply under UK data protection law. These include the right to:
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Be informed that such a decision has been made.
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Make representations about the decision.
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Obtain human intervention.
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Contest the outcome.
Where a solely automated significant decision involves special category data (such as health information), additional legal restrictions apply. We will only carry out such processing where a lawful condition is met and appropriate safeguards are in place.
These rights apply in relation to the organisation that makes the decision. For any solely automated significant decisions made by Uinsure, please contact us using the details at the end of this notice. For decisions made by insurers or finance providers, please contact them directly using the details in their privacy notice or your policy documentation.