By providing us with your information or any other person’s information you consent to that information being used for the purposes as set out below.
We collect information about you when you get a quote or when you buy or use our products and services. This information includes:
We only collect information that's relevant to the products or services we provide and we don't use sensitive information for marketing purposes.
The information we collect may be used by us, our employees and service providers who are acting under our instruction, for these reasons:
If we provide you with a quote, we will send a confirmation email to the email address you provide which will contain details of your quote and how it can be retrieved.
Sometimes we might need to process some of your personal data in countries outside of the European Economic Area. If we do we'll make sure there is an agreement in place which gives equivalent assurances to those contained in the Data Protection Act 1998.
We're always developing new products and services, some of which may be of interest to you. If you've chosen to receive marketing information, we'll use your preferred contact method to let you know about these. In addition, following the end of your policy, if you have also agreed to receive an update regarding your next renewal we will contact you in advance of your next renewal date by email. If you have also agreed to receive our newsletters, we will send them to you periodically via email. If you'd like to change your marketing preferences you can contact us on 03300 240 123.
In order to sell, manage and provide our products and services, prevent fraud and comply with legal and regulatory requirements, we may need to share your information with third parties, including:
The information generated by the cookie about your use of the website (including your IP address) is transmitted to Google. This information is then used to evaluate visitors' use of the website and to compile statistical reports on website activity for Provident Insurance.
We will never (and will not allow any third party to) use the statistical analytics tool to track or to collect any Personally Identifiable Information of visitors using our website. Google will not associate your IP address with any other data held by Google. Neither we nor Google will link, or seek to link, an IP address with the identity of a computer user. We will not associate any data gathered from this website with any Personally Identifiable Information from any source, unless you explicitly submit that information via a fill-in form on our website.
To prevent and detect fraud we will check details against a range of databases and agencies including other insurers' databases. If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies, fraud databases and may be shared with other insurers. Law enforcement agencies may access and use this information.
We, and other organisations, may access and use the information recorded by fraud prevention agencies, or fraud databases to prevent fraud and money laundering when;
We use the following fraud prevention agencies and databases:
You can request any of the information held about you in these databases or by these agencies. In the first instance please direct all enquiries to Provident Insurance. We may charge up to £10 for information held by us and if you need information held by any external databases we use to detect fraud, they may also charge up to £10 each.
If you apply for a quote we will carry out checks with a credit reference agency. This helps us to assess the terms on which cover may be offered. A record of the search will appear on your credit reference file and may be seen by other insurers and lenders. It will be clear that this is a quotation search and not evidence of a credit application. The quotation search will not adversely affect your credit profile.
We will also carry out checks with a credit reference agency if you apply for credit from us. The credit reference agency will add details of this search and your application for credit to your credit records, this information may be seen by other insurers and lenders. Credit reference agencies supply us with public information (such as information on the electoral register) and private information (such as your credit history), shared credit information and fraud prevention information.
Once you have an account with us, we may give details of it and how you manage it to credit reference agencies. If you borrow from us and do not repay in full and on time, we may register such information with credit reference agencies who will record the outstanding debt. This information may be supplied to other organisations by credit reference and fraud prevention agencies to perform similar checks and to trace your whereabouts and recover debts that you owe.
We will carry out another credit check with a credit reference agency ahead of renewal on all existing policyholders. Again, as with the initial check at first quote, a record of the search will appear on your credit reference file and may be seen by other insurers and lenders. It will be clear that this is a renewal suitability search and not evidence of a credit application. The quotation search will not adversely affect your credit profile.
If you apply for credit at renewal we will carry out a credit check, the details of this search and your application for credit will be added to your credit records, this information may be seen by other insurers and lenders.
You can contact the credit reference agency that we use. We have set out their contact details below:
Callcredit Information Group
Head offices: One Park Lane, Leeds, West Yorkshire, LS3 1EP
Telephone number: 0845 366 0071
Information about your insurance policy will be added to the Motor Insurance Database (MID), managed by the Motor Insurers’ Bureau (MIB). The police, the Driver and Vehicle Licensing Agency (DVLA), the Driver and Vehicle Agency (DVA), the Insurance Fraud Bureau and certain other authorised organisations may use the MID and the information stored on it for purposes including:
If you're involved in a road traffic accident (either in the United Kingdom, the European Economic Area or certain other territories), insurers and the MIB may search the MID for relevant information.
People (including citizens of other countries) making an insurance claim following a road traffic accident (and their appointed representatives) may also get relevant information which is held on the MID. You can find out more about this from us, or at www.mib.org.uk
Under the Data Protection Act 1998 you have the right of access to the personal information held about you by Provident Insurance. You can exercise this right by contacting us.
We will make a charge of £10 for dealing with these requests.
You have the right to request that we correct any inaccuracies in the personal information we hold about you. Please contact us if your personal information needs updating.
Please show this notice to anyone who's personal information you have provided to us. You must make sure any information you supply about anyone else is accurate and that you've obtained their consent.
If you have been involved in a claim with one of our policyholders, you can find out more about how we use your data by reading our Third Party Data Protection Notice.
By phone: 03300 240 123
Write to us at: Provident Insurance
PO Box 847
For your and our protection, and for training and monitoring purposes, we may record and monitor telephone calls.
Last updated: 16/05/2016
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View our policy documents for more information about what we cover.
These documents are relevant to all policies taken out after 9th February 2016. If your policy was purchased earlier than this please visit the My Account area for your most up to date documents.