LOCKTON COMPANIES LLP INFORMATION NOTICE FOR CLIENTS – INSURANCE MEDIATION SERVICES

What is the purpose of this document?

Lockton Companies LLP is committed to protecting the privacy and security of your personal data. 

Insurance is the pooling and sharing of risk in order to provide protection against a possible eventuality. In order to do this, information, including your personal data, needs to be shared between different insurance market participants. The insurance market is committed to safeguarding that information.

This notice describes how we, as an intermediary, collect and use personal data about you during and after your engagement with us, in accordance with the Data Protection Laws. In particular this notice is designed to help you understand how we process your personal data through the insurance lifecycle.

It is important that you read this notice, together with any other privacy notice we may provide on specific occasions when we are collecting or processing personal data about you, so that you are aware of how and why we are using such information. This privacy notice supplements the other notices and is not intended to override them.

Third Party Information Notice - The London Insurance Market Core Uses Information Notice

Insurance involves the use and disclosure of your personal data by various insurance market participants such as intermediaries, insurers and reinsurers. The London Insurance Market has produced a Core Uses Information Notice which sets out those core necessary personal data uses and disclosures throughout the insurance lifecycle, and in particular sets out how other insurance market participants process your personal data. Our core uses and disclosures are consistent with the London Market Core Uses Information Notice. In addition to reviewing our information notice, we recommend you review the London Insurance Market Core Uses Information Notice. As at the time of publishing The London Insurance Market Core Uses Information Notice can be found on the LMA website (www.lmalloyds.com) at: 
http://lma.informz.ca/LMA/data/images/Bulletin%20att/LMA17_038_MS_att1_information_notice.pdf 
Please note that we do not control the LMA website and are not responsible for the London Insurance Market Core Uses Information Notice.

Controller

Lockton Companies LLP is a “data controller”. This means that we are responsible for deciding how we hold and use personal data about you. We are required under the Data Protection Laws to notify you of the information contained in this privacy notice.

Our Data Protection Manager

We have appointed a data protection manager to oversee compliance with and questions in relation to this privacy notice. 

If you have any questions about this privacy notice, including any requests to exercise your legal rights, please contact our Data Protection Manager using the details set out below: 

CONTACT DETAILS

Data Protection Manager
Lockton Companies LLP
The St Botolph Building 
138 Houndsditch 
London
EC3A 7AG
Email: dataprotection@uk.lockton.com

 

Changes to this privacy notice and your duty to inform us of changes

This notice may be updated from time to time. 
This version is dated 6 April 2018 and historic versions can be obtained by contacting our Data Protection Manager.

It is important that the personal data we hold about you is accurate and current. Please keep us informed if your personal data changes during your relationship with us.

Defined Terms

In this notice: 

we, us or our refers to Lockton Companies LLP, a limited liability partnership with company number OC353198 and its registered office at The St Botolph Building, 138 Houndsditch, London, EC3A 7AG, an independent insurance and reinsurance intermediary authorised and regulated in the United Kingdom by the Financial Conduct Authority (FCA) under Firm Reference Number 523069; 

you or your, refers to the individual whose personal data may be processed by us and other insurance market participants (you may be the insured, beneficiary, claimant or other person involved in a claim or relevant to a policy). 

There are other terms in bold with specific meanings. Those meanings can be found in Section 12: Glossary of Key Terms. 

Contents of this privacy notice

This notice sets out the following: 

1 – INTRODUCTION – HOW THE INSURANCE MARKET WORKS 

2 – THE DATA WE MAY COLLECT ABOUT YOU (YOUR PERSONAL DATA) 

3 – WHERE WE MIGHT COLLECT YOUR PERSONAL DATA FROM 

4 – IDENTITIES OF DATA CONTROLLERS AND DATA PROTECTION CONTACTS 

5 – THE PURPOSES, CATEGORIES, LEGAL GROUNDS AND RECIPIENTS, OF OUR PROCESSING OF YOUR PERSONAL DATA 

6 – CONSENT 

7 – PROFILING AND AUTOMATED DECISION MAKING 

8 – DATA SECURITY

9 – RETENTION OF YOUR PERSONAL DATA 

10 – INTERNATIONAL TRANSFERS 

11 – YOUR RIGHTS AND CONTACT DETAILS OF THE ICO 

12 – GLOSSARY OF KEY TERMS

 

SECTION 1: INTRODUCTION – HOW THE INSURANCE MARKET WORKS 

INSURANCE LIFECYCLE:

section 1

FLOWS OF PERSONAL DATA THROUGH THE INSURANCE LIFECYCLE:

Updated Personal Data FLows

SECTION 2: THE DATA WE MAY COLLECT ABOUT YOU (YOUR PERSONAL DATA) 

In order for us to obtain insurance quotes, place and administer insurance policies, and/or deal with any claims or complaints, we need to collect and process personal data about you. 

The types of personal data that are processed may include:

Types of Personal Data:

 

Details:

Individual details

Name, address (including proof of address), other contact details (e.g. email and telephone numbers), gender, marital status, date and place of birth, nationality, employer, job title and employment history, and family details, including their relationship to you

 

Identification details

Identification numbers issued by government bodies or agencies, including your national insurance number, passport number, tax identification number and driving licence number

 

Financial information

Bank account or payment card details, income or other financial information

 

Risk details

Information about you which we need to collect in order to assess the risk to be insured and provide a quote. This may include data relating to your health, criminal convictions, or other special categories of personal data. For certain types of policy, this could also include telematics data

 

Policy information

Information about the quotes you receive and policies you take out

 

Credit and anti-fraud data

Credit history, credit score, sanctions and criminal offences, and information received from various anti-fraud databases relating to you

 

Previous and current claims

Information about previous and current claims, (including other unrelated insurances),which may include data relating to your health, criminal convictions, or other special categories of personal data and in some cases, surveillance reports

 

Special categories of personal data

Certain categories of personal data which have additional protection under the GDPR. The categories are health, criminal convictions, racial or ethnic origin, political opinions, religious or philosophical beliefs, trade union membership, genetic data, biometric, or data concerning sex life or sexual orientation

 

Marketing and communications data

Your preference in receiving marketing from us and third parties and your communication preferences

 

Personal data does not include data where the identity has been removed (anonymous data).

We also collect, use and share aggregated data such as statistical or demographic data for any purpose. Aggregated data may be derived from your personal data but is not considered personal data in law as this data does not directly or indirectly reveal your identity. However, if we combine or connect aggregated data with your personal data so that it can directly or indirectly identify you, we treat the combined data as personal data which will be used in accordance with this privacy notice.

If you fail to provide personal data 
Where we need to collect personal data by law, or under the terms of a contract we have with you and you fail to provide that data when requested, we may not be able to perform the contract we have or are trying to enter into with you (for example, to provide you with insurance broking services). In this case, we may have to cancel a service you have with us but we will notify you if this is the case at the time.

 

SECTION 3: WHERE WE MIGHT COLLECT YOUR PERSONAL DATA FROM 

We might collect your personal data from various sources, including: 

you (for example by filling in forms or by corresponding with us by post, phone, email or otherwise); 

your family members, employer or representative; 

• other insurance market participants; 

• credit reference agencies; 

• anti-fraud databases, sanctions lists, court judgements and other databases; 

• government agencies such as the DVLA and HMRC; 

• publicly available sources such as the open electoral register and Companies House; or 

• in the event of a claim, third parties including the other party to the claim (claimant/defendant), witnesses, experts (including medical experts), loss adjustors, solicitors, and claims handlers. 

Which of the above sources apply will depend on your particular circumstances.

For example, we might collect your personal data where:

-    you have taken out an insurance policy through us (you are the policyholder), in which case we might collect your personal data from you, credit reference agencies, anti-fraud databases, sanctions lists etc;

-    a third party (such as a family member or your employer) has taken out an insurance policy through us for your benefit (you are an insured or beneficiary), in which case we might collect your personal data from your family member, employer etc;

-    you are a claimant or other person involved in a claim or relevant to a policy. E.g. you are making a claim against an insurance policy you have taken out through us or that a third party has taken out through us for your benefit, or you are making a claim against a third party’s insurance policy that was taken out through us, or a third party is making a claim against an insurance policy you have taken out through us, in which case we might collect your personal data from you, other insurance market participants, witnesses, experts (including medical experts), loss adjustors, solicitors, and claims handlers etc.    

 

SECTION 4: IDENTITIES OF DATA CONTROLLERS AND DATA PROTECTION CONTACTS 

The insurance lifecycle involves the sharing of your personal data between insurance market participants, some of which you will not have direct contact with. In addition, your personal data may not have been collected directly by an insurance market participant. In particular, your personal data may not have been collected directly from you by us. You can find out the identity of the initial data controller of your personal data within the insurance market lifecycle in the following ways: 

- Where you took out the insurance policy yourself: the insurer and, if purchased through an intermediary, the intermediary will be the initial data controller and their data protection contact can advise you on the identities of other insurance market participants that they have passed your personal data to. 

If you purchased the insurance policy yourself through us, an intermediary, we will be the initial data controller and our Data Protection Manager can advise you on the identities of other insurance market participants that we have passed your personal data to.

- Where your employer or another organisation took out the policy for your benefit: you should contact your employer or the organisation that took out the policy who should provide you with details of the insurer or intermediary that they provided your personal data to and you should contact their data protection contact who can advise you on the identities of other insurance market participants that they have passed your personal data to. 

If your employer or another organisation took out the policy for your benefit through us, our Data Protection Manager can advise you on the identities of other insurance market participants that we have passed your personal data to.

-Where you are not a policyholder or an insured: you should contact the organisation that collected your personal data who should provide you with details of the relevant participant’s data protection contact.

 

SECTION 5: THE PURPOSES, CATEGORIES, LEGAL GROUNDS AND RECIPIENTS, OF OUR PROCESSING OF YOUR PERSONAL DATA 

We set out below the purposes for which we might use your personal data:

Purposes:

 

Quotation / Inception

 

  • Setting you up as a client, including possible fraud, sanctions, credit and antimoney laundering checks

  • Evaluating the risks to be covered and matching to appropriate policy/premium

  • Payment of premium where the insured/policyholder is an individual

Policy Administration

 

  • Client care, including communicating with you and sending you updates

  • Payments to and from individuals

Claims Processing

 

  • Managing insurance and reinsurance claims

  • Defending or prosecuting legal claims

  • Investigation or prosecuting fraud

Renewals

  • Contacting the insured/policyholder to renew the insurance policy

  • Evaluating the risks to be covered and matching to appropriate policy/premium

  • Payment of premium where the insured/policyholder is an individual

Other purposes outside of the insurance lifecycle but necessary for the provision of insurance throughout the insurance lifecycle period

  • Complying with our legal and regulatory obligations

  • General risk modelling

  • Transferring books of business, company sales and reorganisations

Marketing

 

  • To make suggestions and recommendations to you about products or services that may be of interest to you, to provide industry insight or to invite you to events

 

Please note that in addition to the disclosures we have identified against each purpose, we may also disclose personal data for those purposes to our service providers, contractors, agents and group companies that perform activities on our behalf.

 

MARKETING

 

We strive to provide you with choices regarding certain personal data uses, particularly around marketing and advertising. We have established the following personal data control mechanisms:

 

Marketing communications from us

 

We may use your Individual Details and Policy Information to form a view on what we think you may want or need, or what may be of interest to you. This is how we decide which products and services may be relevant for you.

 

You will receive marketing communications from us if you have requested information from us or purchased services from us and, in each case, you have not opted out of receiving that marketing. Such marketing communications may include risk or insurance related information or details of services, or products, or events, which we think, may be of interest to you.

 

Third party marketing

We will get your express opt-in consent before we share your personal data with any company outside the Lockton group of companies for marketing purposes.

Opting out

 

You can ask us or third parties to stop sending you marketing messages at any time by following the opt-out links on any marketing message sent to you or by contacting our Data Protection Manager at any time.

 

Where you opt out of receiving these marketing messages, this will not apply to personal data provided to us as a result of a product/service purchase, product/service experience or other transactions.

 

CHANGE OF PURPOSE

 

We will only use your personal data for the purposes for which we collected it, unless we reasonably consider that we need to use it for another reason and that reason is compatible with the original purpose. If you wish to get an explanation as to how the processing for the new purpose is compatible with the original purpose, please contact our Data Protection Manager.

 

If we need to use your personal data for an unrelated purpose, we will notify you and we will explain the legal basis which allows us to do so.

 

Please note that we may process your personal data without your knowledge or consent, in compliance with the above rules, where this is required or permitted by law.

 

LEGAL GROUNDS FOR PROCESSING

 

We will only use your personal data when the law allows us to. In particular, we will rely on the following legal grounds to use your personal data:

 

For processing personal data and special categories of personal data

 

 

Legal ground

 

Details

Performance of our contract with you

 

Processing is necessary for the performance of a contract to which you are party or in order to take steps at your request prior to entering into a contract

Compliance with a legal obligation

 

Processing is necessary for compliance with a legal obligation to which we are subject

In the public interest

 

Processing is necessary for the performance of a task carried out in the public interest

For our legitimate business interests

 

Processing is necessary for the purposes of the legitimate interests pursued by us or by a third party, except where such interests are overridden by your interests or fundamental rights and freedoms which require protection of personal data, in particular where you are a child. These legitimate interests are set out next to each purpose below

For processing special categories of personal data

 

 

Your explicit consent (optional)

You have given your explicit consent to the processing of those personal data for one or more specified purposes. 

You are free to withdraw your consent, by contacting our Data Protection Manager

Your explicit consent (necessary)

 

You have given your explicit consent to the processing of those personal data for one or more specified purposes, where we are unable to procure, provide or administer insurance cover without this consent. 

You are free to withdraw your consent by contacting our Data Protection Manager. However withdrawal of this consent will impact our ability to place or administer insurance or assist with the payment of claims. For more detail see Section 6: Consent

For legal claims

 

Processing is necessary for the establishment, exercise or defence of legal claims or whenever courts are acting in their judicial capacity

In the substantial public interest

 

Processing is necessary for reasons of substantial public interest, on the basis of EU or UK law

 

DISCLOSURES OF YOUR PERSONAL DATA

 

We may have to share your personal data with the parties set out below for the Purposes set out in the table above.

  • Internal third parties: other companies in the Lockton Group who provide IT and system administration services and undertake leadership reporting
  • External third parties:  
  • Service providers who provide IT and system administration services;
  • Professional advisers including lawyers, bankers, auditors and insurers who provide consultancy, banking, legal, insurance and accounting services;
  • Credit reference agencies;
  • Anti-fraud and sanctions database providers;
  • Other insurance market participants such as intermediaries, insurers and reinsurers;
  • Banks;
  • Claims handlers;
  • Solicitors;
  • Loss adjustors;
  • Experts;
  • Third parties involved in claims/investigations/prosecutions;
  • Private investigators;
  • Police;
  • Courts;
  • PRA, FCA, ICO and other regulators;
  • Third parties to whom we may choose to sell, transfer, or merge parts of our business or our assets. Alternatively, we may seek to acquire other businesses or merge with them. If a change happens to our business, then the new owners may use your personal data in the same way as set out in this privacy notice.

THE PURPOSES, CATEGORIES, LEGAL GROUNDS AND RECIPIENTS, OF OUR PROCESSING OF YOUR PERSONAL DATA

 

We have set out below, in a table format, a description of all the ways we plan to use your personal data, including the categories of personal data and which of the legal bases we rely on to do so. We have also identified what our legitimate interests are where appropriate, and the third parties with whom we need to share your personal data.

 

Note that we may process your personal data for more than one lawful ground depending on the specific purpose for which we are using your personal data. Please contact our Data Protection Manager if you

need details about the specific legal ground we are relying on to process your personal data where more than one ground has been set out in the table below.

 

Purpose

Categories of Data

Legal Grounds

Disclosures

 

QUOTATION/INCEPTION

 

Setting you up as a client, including fraud, credit and anti-money laundering and sanctions checks

 

Personal Data:

  • Individual details

  • Identification details

  • Financial information

 

Personal Data:

  • Performance of our contract with you

  • Compliance with a legal obligation

  • For our legitimate business interests (to ensure that the client is within our acceptable risk profile)

  • To assist with the prevention of crime and fraud

  • Credit reference agencies

  • Antifraud and sanctions databases

Special Categories of Personal Data:

  • Credit and antifraud data

Special Categories of Personal Data:

  • In the substantial public interest

  • Consent

QUOTATION/INCEPTION

 

Evaluating the risks to be covered and matching to appropriate policy/premium

 

Personal Data:

  • Individual details

  • Identification details

  • Policy information

Personal Data:

  • Performance of our contract with you

  • For our legitimate business interests (to determine the likely risk profile and appropriate insurer and insurance product)

 

Special Categories of Personal Data:

  • Risk details

  • Previous claims

  • Credit and antifraud checks

Special Categories of Personal Data:

  • Consent

QUOTATION/INCEPTION

and

POLICY ADMINISTRATION

 

Collection or refunding of premium

 

Personal Data:

  • Individual details

  • Financial information

Personal Data:

  • Performance of our contract with you

  • For our legitimate business interests (to recover debts due to us)

  • Other insurance market participants such as intermediaries, insurers and reinsurers

  • Banks

 

 

 

 

POLICY ADMINISTRATION

 

General client care, including communication with you regarding administration and requested changes to the insurance policy. Sending you updates regarding your insurance policy. Notifying you about changes to our terms or privacy notice

 

Personal Data:

  • Individual details

  • Policy information

Personal Data:

  • Performance of our contract with you

  • For our legitimate business interests (to correspond with clients, beneficiaries and claimants in order to facilitate the placing of and claims under insurance policies)

  • Compliance with a legal obligation

  • Consent

 

 

Special Categories of Personal Data:

  • Risk details

  • Previous claims

  • Current claims

Special Categories of Personal Data:

  • Consent

 

 

 

 

CLAIMS PROCESSING

 

 

Managing insurance claims including fraud, credit and anti-money laundering and sanctions checks

 

Personal Data:

  • Individual details

  • Identification details

  • Financial information

  • Policy information

Personal Data:

  • Performance of our contract with you

  • For our legitimate business interests (to assist our clients in assessing and making claims)

  • Claims handlers

  • Solicitors

  • Loss adjustors

  • Experts

  • Third parties involved in the claim (including without limitation other insurance market participants such as intermediaries, insurers and reinsurers)

 

Special Categories of Personal Data:

  • Credit and antifraud data

  • Risk details

  • Previous claims

  • Current claims

Special Categories of Personal Data:

  • Consent

  • For legal claims

CLAIMS PROCESSING

 

Defending or prosecuting legal claims

 

Personal Data:

  • Individual details

  • Identification details

  • Financial information

  • Policy information

Personal Data:

  • Performance of our contract with you

  • For our legitimate business interests (to assist in assessing and making claims)

  • Claims handlers

  • Solicitors

  • Loss adjustors

  • Experts

  • Third parties involved in the claim (including without limitation other insurance market participants such as intermediaries, insurers and reinsurers)

Special Categories of Personal Data:

  • Credit and antifraud data

  • Risk details

  • Previous claims

  • Current claims

Special Categories of Personal Data:

  • Consent

  • For legal claims

CLAIMS PROCESSING

 

Investigating and prosecuting fraud

 

Personal Data:

  • Individual details

  • Identification details

  • Financial information

  • Policy information

 

Personal Data:

  • Performance of our contract with you

  • For our legitimate business interests (to assist with the prevention and detection of fraud)

  • Solicitors

  • Private investigators

  • Police

  • Experts

  • Third parties involved in the investigation or prosecution

  • Other insurance market participants such as intermediaries, insurers and reinsurers

  • Antifraud databases

Special Categories of Personal Data:

  • Health data

  • Criminal records data

  • Other sensitive data

  • Credit and antifraud data

  • Risk details

  • Previous claims

  • Current claims

Special Categories of Personal Data:

  • Consent

  • For legal claims

  • In the substantial public interest

 

 

 

 

 

RENEWALS

 

Contacting you in order to renew the insurance policy

 

Personal Data:

  • Individual details

  • Policy information

 

Personal Data:

  • Performance of our contract with you

  • For our legitimate business interests (to correspond with clients, beneficiaries and claimants in order to facilitate the placing of and claims under insurance policies)

  • Consent

 

Special Categories of Personal Data:

  • Risk details

  • Previous claims

  • Current claims

Special Categories of Personal Data:

  • Consent

 

 

 

 

THROUGHOUT THE INSURANCE LIFECYCLE

 

Transferring books of business, company sales and reorganisations. To administer and protect our business

 

Personal Data:

  • Individual details

  • Identification details

  • Financial information

  • Policy information

  • Marketing and communications data

Personal Data:

  • For our legitimate business interests (for running our business, provision of administration and IT services, network security, to prevent fraud, and to structure our business appropriately)

  • Compliance with a legal obligation

  • Courts

  • Purchaser

 

Special Categories of Personal Data:

  • Credit and antifraud data

  • Risk details

  • Previous claims

  • Current claims

Special Categories of Personal Data:

  • Consent

  • In the substantial public interest

 

THROUGHOUT THE INSURANCE LIFECYCLE

 

General risk modelling and underwriting

 

Personal Data:

  • Individual details

  • Identification details

  • Financial information

  • Policy information

Personal Data:

  • For our legitimate business interests (to build risk models that allow placing of risk with appropriate insurers)

 

 

Special Categories of Personal Data:

  • Credit and antifraud data

  • Risk details

  • Previous claims

  • Current claims

Special Categories of Personal Data:

  • Consent

THROUGHOUT THE INSURANCE LIFECYCLE

 

Complying with our legal or regulatory obligations

 

Personal Data:

  • Individual details

  • Identification details

  • Financial information

  • Policy information

  • Marketing and communications data

Personal Data:

  • Compliance with a legal obligation

  • PRA, FCA, ICO and other regulators

  • Police

  • Other insurance market participants such as intermediaries, insurers and reinsurers (under court order)

  • Insurance Fraud database

Special Categories of Personal Data:

  • Credit and antifraud data

  • Risk details

  • Previous claims

  • Current claims

Special Categories of Personal Data:

  • Consent

  • In the substantial public interest

 

 

 

 

MARKETING

To make suggestions and recommendations to you about products or services or events that may be of interest to you and to provide industry insight

 

Personal Data:

  • Individual details

  • Policy information

Personal Data:

  • For our legitimate interests (to develop our products/services and grow our business)

 

 

SECTION 6: CONSENT

 

In order to arrange and provide insurance cover and deal with insurance claims in certain circumstances we and other insurance market participants may need to process your special categories of personal data, such as medical and criminal convictions records, as set out against the relevant purpose.

 

Your consent to this processing may be necessary for us and the other insurance market participants to achieve this.

 

You may withdraw your consent to such processing at any time. However, if you withdraw your consent this will impact our, and the other insurance market participants’, ability to place, administer and provide insurance or pay claims.

 

SECTION 7: PROFILING AND AUTOMATED DECISION MAKING

 

When calculating insurance premiums insurance market participants may compare your personal data against industry averages. Your personal data may also be used to create the industry averages going forwards. This is known as profiling and is used to ensure premiums reflect risk.

 

Profiling may also be used by insurance market participants to assess information you provide to understand fraud patterns. Where special categories of personal data are relevant, such as medical history for life insurance or past motoring convictions for motor insurance, your special categories of personal data may also be used for profiling. Insurance market participants might make some decisions based on profiling and without staff intervention (known as automatic decision making). Insurance market participants will provide details of any automated decision making they undertake without staff intervention in their information notices and upon request including:

• where they use such automated decision making;

• the logic involved;

• the consequences of the automated decision making;  

• any facility for you to have the logic explained to you and to submit further information so the decision may be reconsidered.

 

 

SECTION 8: DATA SECURITY

 

We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed.

 

We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so.

 

 

SECTION 9: RETENTION OF YOUR PERSONAL DATA

 

We will keep your personal data only for so long as is necessary and for the purpose for which it was originally collected. In particular, for so long as there is any possibility that either you or we may wish to bring a legal claim under or in relation to your insurance, or where we are required to keep your personal data due to legal or regulatory reasons.

 

In some circumstances we may anonymise your personal data (so that it can no longer be associated with you) for research or statistical purposes in which case we may use this information indefinitely without further notice to you.

 

SECTION 10: INTERNATIONAL TRANSFERS

 

We may need to transfer your data to insurance market participants or their affiliates or sub-contractors which are located outside of the European Economic Area (EEA). Those transfers would always be made in compliance with the GDPR.

 

If you would like further details of how your personal data would be protected if transferred outside the EEA, please contact our Data Protection Manager.

 

SECTION 11: Your Rights and Contact Details of the ICO

 

If you have any questions about this privacy notice or in relation to our use of your personal data, you should first contact our Data Protection Manager. Under certain conditions, you may have the right to require us to:

  • provide you with further details on the use we make of your personal data/special category of data;

  • provide you with a copy of the personal data that you have provided to us;

  • update any inaccuracies in the personal data we hold;

  • delete any special category of personal data/personal data that we no longer have a lawful ground to use;

  • where processing is based on consent, to withdraw your consent so that we stop that particular processing;

  • object to any processing based on the legitimate interests ground unless our reasons for undertaking that processing outweigh any prejudice to your data protection rights; and

  • restrict how we use your personal data whilst a complaint is being investigated.

 

In certain circumstances, we may need to restrict the above rights in order to safeguard the public interest (e.g. the prevention or detection of crime) and our interests (e.g. the maintenance of legal privilege).

If you wish to exercise any of the rights set out above, please contact our Data Protection Manager.

No fee usually required

 

You will not have to pay a fee to access your personal data (or to exercise any of the other rights). However, we may charge a reasonable fee if your request is clearly unfounded, repetitive or excessive. Alternatively, we may refuse to comply with your request in these circumstances.

 

What we may need from you

 

We may need to request specific information from you to help us confirm your identity and ensure your right to access your personal data (or to exercise any of your other rights). This is a security measure to ensure that personal data is not disclosed to any person who has no right to receive it. We may also contact you to ask you for further information in relation to your request to speed up our response.

 

Time limit to respond

 

We try to respond to all legitimate requests within one month. Occasionally it may take us longer than a month if your request is particularly complex or you have made a number of requests. In this case, we will notify you and keep you updated.

 

Your Right to Complain to the ICO

 

If you are not satisfied with our use of your personal data or our response to any request by you to exercise any of your rights in Section 11: Your Rights and Contact Details of the ICO, or if you think that we have breached the GDPR, then you have the right to complaint to the Information Commissioner’s Office (ICO), the UK supervisory authority for data protection issues. Please see below for contact details of the ICO.

 

We would, however, appreciate the chance to deal with your concerns before you approach the ICO so please contact us in the first instance.

 

England

 

Scotland

Wales

Northern Ireland

Information Commissioner’s Office

Wycliffe House

Water Lane

Wilmslow

Cheshire

SK9 5AF

 

Information Commissioner’s Office

45 Melville Street

Edinburgh

EH3 7HL

Information Commissioner’s Office

2nd Floor

Churchill House

Churchill Way

Cardiff

CF10 2 HH

Information Commissioner’s Office

3rd Floor

14 Cromac Place

Belfast

BT7 2JB

Tel:

0303 123 1113 (local rate) or

01625 545 745 (national rate)

 

Tel: 0131 244 9001

Tel: 029 2067 8400

Tel:

0303 123 1114 (local rate) or

028 9027 8757 (national rate)

Email:

casework@ico.org.uk

 

Email:

scotland@ico.org.uk

Email:

wales@ico.org.uk

Email:

ni@ico.org.uk

 

SECTION 12: GLOSSARY OF KEY TERMS

Key insurance terms:

Beneficiary is an individual or a company that an insurance policy states may receive a payment under the insurance policy if an insured event occurs. A beneficiary does not have to be the insured/policyholder and there may be more than one beneficiary under an insurance policy.

Claimant is either a beneficiary who is making a claim under an insurance policy or an individual or a company who is making a claim against a beneficiary where that claim is covered by the insurance policy. 

Claims processing is the process of handling a claim that is made under an insurance policy

Quotation is the process of providing a quote to a potential insured/policyholder for an insurance policy. 

Inception is when the insurance policy starts. 

Insurance is the pooling and transfer of risk in order to provide financial protection against a possible eventuality. There are many types of insurance. The expression insurance may also mean reinsurance

Insurance policy is a contract of insurance between the insurer and the insured/policyholder. 

Insurance market participant(s) or participants: is an intermediary, insurer or reinsurer. 

Insured/policyholder is the individual or company in whose name the insurance policy is issued. A potential insured/policyholder may approach an intermediary to purchase an insurance policy or they may approach an insurer directly or via a price comparison website. 

Insurers: (sometimes also called underwriters) provide insurance cover to insured/policyholders in return for premium. An insurer may also be a reinsurer

Intermediaries help policyholders and insurers arrange insurance cover. They may offer advice and handle claims. Many insurance and reinsurance policies are obtained through intermediaries

Policy administration is the process of administering and managing an insurance policy following its inception

Premium is the amount of money to be paid by the insured/policyholder to the insurer in the insurance policy. 

Reinsurers provide insurance cover to another insurer or reinsurer. That insurance is known as reinsurance. 

Renewal is the process of the insurer under an insurance policy providing a quotation to the insured/policyholder for a new insurance policy to replace the existing one on its expiry. 

We, us or our refers to [Lockton Companies LLP, a limited liability partnership with company number OC353198 and its registered office at The St Botolph Building, 138 Houndsditch, London, EC3A 7AG, an independent insurance and reinsurance intermediary authorised and regulated in the United Kingdom by the Financial Conduct Authority (FCA) under Firm Reference Number 523069.

You or your refers to the individual whose personal data may be processed by us and other insurance market participants. You may be the insured, beneficiary, claimant or other person involved in a claim or relevant to an insurance policy.

 

Key data protection terms:

 

Data Protection Laws means all laws and regulations relating to the Processing of Personal Data, including the GDPR, as the same may be in force from time to time.

 

GDPR is the EU General Data Protection Regulation and the new UK Data Protection Act, which replaces the UK Data Protection Act 1998 from 25 May 2018.

 

Data Controller is an entity which collects and holds personal data. It decides what personal data it collects about you and how that personal data is used.

 

Information Commissioner’s Office (ICO) is the regulator (or National Competent Authority/Data Protection Authority) for data protection matters in the UK.

 

Personal Data is any data from you which can be identified and which relates to you. It may include data about any claims you make.

 

Processing of personal data includes collecting, using, storing, disclosing or erasing your personal data.