Who we are
RBS Home, Renters Insurance and Car Insurance are arranged by RBS and underwritten by U K Insurance Limited ("UKI"). UKI is owned by Direct Line Insurance Group plc.
You are giving your information to RBS and U K Insurance Limited. In this Information statement 'we' 'us' and 'our' refers to The Royal Bank of Scotland Group plc and U K Insurance Limited unless otherwise stated.
For information about our group of companies, please visit www.rbs.com and click on ‘About Us’, or for similar enquiries please telephone 0131 556 8555 or Minicom 0345 900 5960.
Your electronic information
If you contact us electronically, we may collect your electronic identifier e.g. Internet Protocol (IP) address or telephone number supplied by your service provider.
How we use your information and who we share it with
We will use your information to manage your insurance policy, including underwriting and claims handling. This may include disclosing it to other insurers, third party underwriters and reinsurers.
Your information comprises of all the details we hold about you and your transactions and includes information obtained from third parties.
We may use and share your information with other members of the Group to help us and them:
- assess financial and insurance risks;
- recover debt;
- prevent and detect crime;
- develop our services, systems and relationships with you;
- understand our customers’ requirements; and
- develop and test products and services.
We do not disclose your information to anyone outside the Group except:
- where we have your permission; or
- where we are required or permitted to do so by law; or
- to credit reference and fraud prevention agencies and other companies that provide a service to us or you; or
- where we may transfer rights and obligations under this agreement.
We may transfer your information to other countries on the basis that anyone to whom we pass it provides an adequate level of protection. However, such information may be accessed by law enforcement agencies and other authorities to prevent and detect crime and comply with legal obligations.
From time to time we may change the way we use your information. Where we believe you may not reasonably expect such a change we shall write to you. If you do not object to the change within 60 days, you consent to that change.
Some of the personal information we ask you for may be sensitive personal data, as defined by the Data Protection Act 1998 (such as information about health or criminal convictions) We will not use such sensitive personal data about you or others except for the specific purpose for which you provide it and to provide the services described in your policy documents.
You will have been asked to agree to this when you first contacted us but please ensure that you only provide us with sensitive information about other people with their agreement.
Dealing with other people
It is our policy to deal with your spouse or partner who calls us on your behalf, provided they are named on the policy. If you would like someone else to deal with your policy on your behalf on a regular basis please let us know. In some exceptional cases we may also deal with other people who call on your behalf, with your consent. If at any time you would prefer us to deal only with you, please let us know.
Credit Reference Agencies
We carry out credit searches to evaluate insurance risks. Depending on your credit agreement with us, if you choose to pay your premiums by instalment, we will exchange your information with credit reference agencies to reflect your credit application and this will be visible to other credit providers. Failure to keep up your monthly payments will be reflected in your credit score
Fraud prevention and detection
Please take time to read the following as it contains important information relating to the details you have given or should give to us. You should show this notice to anyone whose data has been supplied to us in connection with your policy.
To prevent and detect fraud we may at any time:
Share information with other organisations and public bodies including the police although we only do so in compliance with the Data Protection Act 1998
Check and/or file details with fraud prevention agencies and databases and if we are given false or inaccurate information and we identify fraud, we will record this. We and other organisations may also use and search these agencies and databases from the UK and other countries to:
- help make decisions about the provision and administration of insurance, credit and related services for you and members of your household:
- trace debtors or beneficiaries, recover debt, prevent fraud, and to manage your accounts or insurance policies; or
- check your identity to prevent money laundering, unless you provide us with other satisfactory proof of identity
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, for example when:
- Checking applications for, and managing credit and other facilities and recovering debt;
- Checking insurance proposals and claims; or
- Checking details of job applicants and employees.
We, and other organisations that may access and use information recorded by fraud prevention agencies, may do so from other countries.
We can provide the names and addresses of the agencies we use if you would like a copy of your information held by them. Please contact us at the address below. The agencies may charge a fee.
If you would like a copy of the information we hold about you, please write to: The Centre Manager, Subject Access Requests, The Royal Bank of Scotland Group Plc, Business House B, Ground Floor, Gogarburn, PO Box 1000, Edinburgh EH12 1HQ quoting your reference. A fee may be payable.
Dealing with us online
Any personal data saved is held safely on our mainframe computer, with security systems preventing unauthorised access and we always ensure it is treated confidentially. For further information regarding our security provisions please see our note titled Further Security.
We take security very seriously and we use one of the strongest available security systems to protect your communications with us. Whenever you fill in a form, such as a request for a quote, it is automatically protected using something called a Secure Socket Layer (SSL) between your computer and ours. SSL works in the following ways:
- It prevents impersonation - you can tell that you are using a genuine SSL site by the padlock symbol at the bottom of the screen. Clicking on either the padlock or the image opposite will reveal our Registration Certificate that is issued by Verisign, a leading Internet security company.
- It encrypts data - as soon as your computer has recognised our computer they encrypt all information that is passed between them. Data encryption means that no one else can read or change your information as it travels over the Internet.
- It prevents scrambling - SSL uses a Message Authentication Code (MAC) to prevent anyone tampering with our Internet site. Your computer will always check this code before it takes a message from us. This means that if anyone tried to interfere with a message, your computer would not recognise the code and would alert you.