By accessing any part of this website you agree to the following terms of use:
Table of Contents
A. General
In accordance with the General Data Protection Regulation and related UK data protection legislation, we are committed to protecting the confidentiality and security of the information that you provide to us.
This Privacy Notice is designed to help you understand how we collect and use your information.
We may collect information from you about other people, for example, family members who may drive your car or who may be included on a travel or household insurance policy. If you give us information about another person it is your responsibility to ensure and confirm that:
If you have any questions or queries about this policy please contact
B. Who We Are
“PKC” (also referred to in this Notice as “we”, “us”, or “our”) means PKC Associates Limited t/a InsureMore Travel Insurance. PKC is authorised and regulated by the Financial Conduct Authority; firm reference number: 312339
C. How to Contact Us
For any questions or concerns relating to this Privacy Policy or our data protection practices, or to make a subject access or any other request regarding the information we hold, please contact us at:
PKC Associates Limited,
The PowerHouse,
21 Woodthorpe Road,
Ashford,
Middlesex,
TW15 2RP
Tel: 01784 772 678; email: compliance@insuremore.co.uk
Website : www.insuremore.co.uk
D. Why We Need and How We Use Your Personal Information
We only collect, use and store your information where we have lawful grounds and legitimate business reasons to do so.
We collect, use and store your personal information in order to fulfil requests for quotes, products and services as part our insurance broking, claims handling and risk management business. It may also be used to verify your identity, to administer payments and to enable us to carry out anti-money laundering and other financial crime checks where required.
The use of your data is essential for us to check your identity, to enable you to enter into an insurance contract and for the insurance to operate (in the event of a claim, for example). We may also use it keep our records up to date, to notify you about changes to our service and to help us in develop new products and services.
We may monitor calls, emails, text messages and other communications with you. When you contact us we may keep a record of that correspondence and any information provided to us during that or any subsequent communication.
E. Marketing
We would like to keep you updated about our relevant products and services by email, SMS and/or telephone. If we intend to use your data for such purposes or if we intend to disclose your information to any third party for such purposes we will only do so with your consent. Your consent will be obtained specifically at the appropriate time.
If you have already consented and wish us to stop using your information for this purpose or any other purpose then please contact us.
F. About Cookies
When you think about a cookie, you probably imagine the sweet chocolate chip kind however the cookies we are referring to are something quite different!
A cookie is a small file that can be placed on your computer’s hard disk or on a website server. We use cookies to store visitors’ preferences and record past activity on our site in order to provide better service when visitors return to our site. The cookies we use do not retrieve information about you stored on your hard drive and do not corrupt or damage your computer or computer files. You are not obliged to accept a cookie that we send to you, and you can in fact modify your browser so that it will not accept cookies. For more information about cookies including how to set your internet browser to reject cookies please go to www.allaboutcookies.org.
We make use of the Google Analytics Demographics and Interest Reporting, which allows us to aggregate Visitors’ data from Google’s Interest-based advertising or 3rd-party audience data (such as age, gender and interests) within Google Analytics. This reporting system uses cookies again but data is collected anonymously and it is analysed with the sole purpose of gaining insights in the Visitors’ interests and demographic characteristics.
G. Nature of Personal Information
Personal data is any information that may identify a living individual.
We collect personal information such as name, contact details, date of birth, gender, marital status, financial details, employment details and other personal details depending on the nature of the insurance and other services we offer.
We may collect, use and store sensitive personal information such as criminal convictions and medical conditions as necessary in relation to insurances such as motor, home, travel and health insurance. This information may be shared with insurers, insurance product providers and our third party service providers. Where necessary, we shall obtain your consent to the processing of such information.
H. Sharing Information
We will only supply your personal information to other parties where such a transfer is a necessary part of the activities that we undertake, where you give us consent or where we are required to do so by law or regulation (e.g. where the disclosure is necessary for the purposes of the prevention and/or detection of crime).
As an intermediary we must disclose personal information to insurance companies, underwriting agencies, business partners and other parties in order to provide our products and services and to enable you to enter into insurance contracts. Examples of other parties include other insurance intermediaries, loss adjusters, regulatory bodies, legal and accountancy firms involved in the claims handling process. We may also share your personal information with fraud prevention agencies such as the Claims and Underwriting Exchange Register and Motor Insurance Anti-Fraud and Theft Register. We may pass information relating to your insurance policy and any incident to the operators of these registers, their agents and suppliers,
We may also disclose your information to service providers engaged to perform services on our behalf. Such service providers are contractually restricted from using or disclosing the information we give them except as necessary to perform services on our behalf or to comply with legal requirements.
We only share your information if we are satisfied that our partners or suppliers have sufficient measures in place to protect your information in the same way that we do.
We may also disclose personal information to new owners of our business in the event that we are subject to a merger or acquisition. Disclosure may also be made to enable company audits, regulatory inspections or to investigate a complaint, suspicion of fraud or a security threat.
We never share your information outside our organisation for marketing purposes.
You understand that we may disclose the information you provide to relevant other parties for the purposes described in this Notice.
I. Transfer of Personal Data Outside The UK
Certain personal information held on our Information Technology systems may be transferred across geographical borders in accordance with applicable law.
By providing us with your information, you consent to the collection, international transfer, storage, and processing of your information. These transfers are governed by European Union (EU) standard contractual clauses or equivalent data transfer agreements to protect the security and confidentiality of personal information.
J. How Long We Keep Information About You
We will keep your information for as long as it is required to enable us to provide quotations, administer your insurances, offer renewal and respond to any claims or complaints (which may arise after the period of insurance has expired). This will usually be a minimum period of seven years or otherwise as determined by law or regulation. Once we decide that we no longer need your information it will be securely and confidentially destroyed.
K. Your Data Protection Rights
You have certain legal rights under UK data protection law and regulations, summarised as follows:
If you want to invoke any of these rights please write to us:
PKC Associates Limited, The PowerHouse, 21 Woodthorpe Road, Ashford, Middlesex, TW15 2RP or
email: compliance@insuremore.co.uk
L. Withdrawal of Consent
Where you have provided your specific consent to the use of personal data, you may withdraw that consent by contacting us:
PKC Associates Limited,
The PowerHouse,
21 Woodthorpe Road,
Ashford, Middlesex,
TW15 2RP
Tel: 01784 772 678; email: compliance@insuremore.co.uk
M. Law
This site, its content and these terms are governed by English law and the jurisdiction of the courts of England and Wales, except if you are resident in Scotland you may choose to use the Scottish courts.
N. How to Make a Complaint
If you wish to make a complaint about how we hold or use your data, please contact us:
PKC Associates Limited t/a InsureMore Travel Insurance at the following address:
The Managing Director,
InsureMore Travel Insurance
The PowerHouse
21 Woodthorpe Road
Ashford
Middlesex
TW15 2RP
Or Email : compliance@insuremore.co.uk
If you are dissatisfied with how we deal with your complaint, you may contact the Information Commissioner’s Office with your supporting evidence :
The Information Commissioner, Wycliffe House, Water Lane, Wilmslow Cheshire, SK9 5AF;
Phone: 08456 30 60 60 Website: www.ico.gov.uk
O. Information From Other Sources
We may use legal public sources such as the electoral roll and other third party sources such as credit reference agencies to obtain information about you, for example to verify your identity.
We also obtain information about you from credit reference agencies and similar third parties. Some personal information may be provided to us by third parties such as insurance companies, other insurance intermediaries and motor vehicle licensing authorities. In some cases you will have previously submitted your personal information to them and given them approval to pass this information on for certain purposes.
Such information will only be obtained from reputable sources which operate in accordance with the General Data Protection Regulation.
We and/or other parties may use your information for purposes such as statistical and trend research and analysis which may include computerised processes which profile you. Automatic profiling helps us understand, predict and forecast customer preferences and to improve the products and services we offer and to assess which products might be most suitable for you.
We may amend this Privacy Policy from time to time for example, to keep it up to date or to comply with legal requirements.
The latest version of this policy can be found at www.insuremore.co.uk/privacy-policy
