All-UK Adjusters Limited is committed to keeping your personal information secure, private and confidential.
Everyone has rights regarding the way in which their personal information is handled. During the course of our activities we will collect, store and process personal information about our customers, suppliers and other third parties, and we recognise that the correct and lawful treatment of the data will maintain confidence in the organisation and will provide for successful business operations.
This policy sets out the basis on which any personal information we collect from you, or that you provide to us, will be processed by us. Please read the following carefully to understand our views and practices regarding your personal information and how we will treat it.
For the purpose of UK data protection laws, the data controller is All-UK Adjusters Ltd, 28 Clyde Terrace, Spennymoor, County Durham, DL16 7SE
All-UK Adjusters data protection principles
When processing your information, we must comply with six enforceable principles of good practice. These provide that your personal information must be:
- processed lawfully, fairly and in a transparent manner
- processed for specified, explicit and legitimate purposes
- adequate, relevant and limited to what is necessary
- accurate and, where necessary, kept up to date;
- kept for no longer than is necessary, and
- processed in a manner that ensures appropriate security
Why we need your information
We need your information and that of others you named on your Insurance policy to complete the processing of your claim. Your information comprises of all the details we are provided by the insurance company, details that we collect directly from you and includes information we obtain about you from third parties. We will only collect the information we need for a legitimate interest so that we can provide you with the best possible and most efficient service.
What Personal information will we process?
We may collect, be provided by your insurer and process the following information (Personal Data)
- Individual details:Name, address (and proof of address), other contact details (e.g. email and telephone details), gender, marital status, family details, date and place of birth, employer, job title and employment history, insured, beneficiary or claimant
- Identification details:Driver’s license number
- Financial information: Bank account number
- Criminal records data:Criminal convictions, including driving offences
- Policy information:Information provided by your insurer about your policy that they deem necessary to enable us to deal with your claim
- Credit and anti-fraud data:Credit history, information about fraud convictions, allegations of crimes and sanctions details received from various anti-fraud and sanctions databases, or regulators or law enforcement agencies
- Previous claims:Information about previous claims, which may include health data, criminal records data, and other Special Categories of Personal Data (as described in the Insured Risk definition above)
- Current claims:Information about current claims, which may include health data, criminal records data, and other Special Categories of Personal Data (as described in the Insured Risk definition above)
Special categories of Personal Data:
- Health data:Current or former physical or mental medical conditions, health status, injury or disability information, medical procedures performed, relevant personal habits (e.g. smoking or consumption of alcohol), prescription information, medical history
- Racial or ethnic origin
How we collect your personal information
We may obtain personal information from your insurer or by directly interacting with you, such as:
- Claim application this may be via instructions to handle insurance claims from our clients
- Corresponding with us by phone, email, letters or otherwise
- Meeting with you
- We may also obtain personal information about you from third parties or publicly available sources such as:
- The other party to the claim (claimant / defendant), witnesses, experts, loss adjusters, lawyers and claims handlers
- Other insurance market participants, such as Insurers, Reinsurers and other Intermediaries
- Credit reference agencies
- Anti-fraud databases and other third-party databases, including sanctions lists
- Government agencies, such as vehicle registration authorities and tax authorities
- By conducting searches of publicly available databases or social media sites, such as Companies House, Facebook, Twitter, LinkedIn
How we will use your information and who we will share it with
We will only use your personal information when the law allows us to. We will only use your personal information for legitimate business interests namely in the handling of a claim made under an insurance policy in the following circumstances;
Special category Information
We will only use ‘special category’ information if;
- We have your explicit consent.
- Where it is necessary for our or a third party’s legitimate interests, and your interests and rights do not override those interest, or
- Where we need to comply with a legal or regulatory obligation
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 your policy. If you would like someone else to deal with your claim 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.