Your Privacy and Security
In order to comply with regulations we retain the data in relation to your policy for seven years after conclusion of the contract you hold with us. Any data which has Employers Liability will be kept for 60 years.
The data controller is Munich Re Specialty Insurance (UK) Limited, St Helen’s, 1 Undershaft, London EC3A 8EE.
If you have any questions about this privacy notice or about your Data Subject Access Rights including:
- Subject Access Request: To access your personal data and information around its processing;
- Rectification: To have your personal data corrected if it is inaccurate;
- Restrict Processing: To restrict processing where your personal data is inaccurate or the processing is unlawful;
- Data Portability: The transfer of your personal data to another Data Controller;
- Erasure: To have your personal data removed or deleted;
- Object to direct marketing.
Please contact the Data Protection Officer at:
Munich Re Specialty Insurance (UK) Limited
What information do we collect about you
We will collect your personal information when:
- You contact us to ask a question;
- You obtain a quotation from a broker;
- You use our website;
- We process any new policy documentation, renewal documentation or mid-term adjustments or process claims; and
- When we provide you with information about our services.
Who your data is shared with
The following are data controllers that we share your personal data with:
- Reinsurers – including Münchener Rückversicherungs-Gesellschaft Aktiengesellschaft in München (Munich);
- Insurance Brokers – that have advised our insurance products to clients;
- Government Agencies; and
- Legal Advisers.
The following are data processors that we disclose your personal data to:
- Third Parties providing services for Banking, Claims Handling, Insurance Administration and IT Services.
Please contact the Data Protection Officer if you require further information on who your data is shared with by emailing firstname.lastname@example.org.
Special Categories of Data
Non-personal information collected online
You can sign up to our newsletters and bulletins here. By doing so you are opting in to our mailing lists and you agree that we may add your details to our contacts database and use them to send you the updates and information you have requested.
You can opt out at any time either on our website or using the unsubscribe link found within any newsletter or bulletin email received from us.
We use legitimate interest as the lawful basis to process your contact details for these marketing purposes.
We treat your personal information as private and confidential.
The disclosures we make have been detailed in “Who your data is shared with” section above.
We would like to bring to your attention our obligations to disclose information in the following four exceptional cases permitted by law, and the other situations as set out below. These are:
- Where we are legally compelled to do so;
- Where there is a duty to the public to disclose;
- Where disclosure is required to protect our interest; and
- Where disclosure is made at your request or with your consent.
Also, from time to time we will employ agents and sub-contractors to process your personal information on our behalf. The same duty of confidentiality and security will apply to them and all processing will be carried out under our instruction.
If you make a complaint about the service we have provided, we may be obliged to forward details about your complaint, including your personal information to the relevant Ombudsman, the insurer and to Lloyd’s.
In the unfortunate event that you have to make a claim then we will need to disclose information with any other party involved in that claim. This may include:
- Third parties involved with the claim, their insurer, solicitor or representative.
- Medical teams, the police or other investigators and Courts.
If necessary, we may also have to investigate your claims history in the course of administering any claim. You can be assured that we will keep such investigations strictly confidential.
Insurers pass information to the Claims Underwriting and Exchange Register, run by Insurance Database Services (IDS). This helps insurers check information and prevent fraudulent claims. When we deal with your request for insurance we may search these registers. Under the conditions of your policy you must tell us about any incident (such as an accident or theft) which may give rise to a claim. When you tell us about an incident we will pass information to the registers.
Fraud prevention and detection notice
In order to prevent and detect fraud insurers may, at any time:
- Share information about you with us and other group companies;
- 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;
- Recovering debt; and
- Checking details on proposals and claims for all types of insurance.
We and other organisations may access and use, from other countries, the information recorded by fraud prevention agencies.
We may also disclose information about you and your policy to:
- The insurer and other group companies in the event that we undergo re-organisation or are sold to a third party, in which case you agree that any personal information we hold about you may be transferred to that re-organised entity or third party.
- Where it is necessary to deliver the products and services bought by you, for example, we may disclose your personal information to a credit card company to validate your credit card details and obtain payment. It may also be necessary for us to pass your personal information to the organisation from whom you have ordered any products or services other than your insurance product, such as legal expense provider, etc. At all times we will remain the data controller unless we inform you otherwise.
Transfer of data
We will not transfer your personal data to countries that do not provide an adequate level of data protection. Your personal data may be disclosed to companies within the Group outside the UK or EEA and to Service Providers outside the UK or EEA.
For information regarding how Munich Re Specialty Insurance (UK) Ltd uses job applicant data, please review our Applicant Information Notice below.
We reserve the right to amend or modify this Privacy Statement at any time and in response to changes in applicable law.
If you are unhappy with any response or have a complaint. You can raise this with:
The Information Commissioner