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PRIVACY NOTICE

 

ABOUT US

We, Henderson Insurance (NE) Limited (also referred to as “we”, “us”, or “our”) are a registered company in England (Company no. 7419893). Our registered address is 36 Blind Lane, Silksworth, Sunderland, SR3 1AT.

The PURPOSE OF THIS NOTICE

This Notice is designed to help you understand what kind of information we collect in connection with our products and services and how we will process and use this information. In the course of providing you with products and services we will collect and process information that is commonly known as personal data.

This Notice describes how we collect, use, share, retain and safeguard personal data.

This Notice sets out your individual rights; we explain these later in the Notice but in summary these rights include your right to know what data is held about you, how this data is processed and how you can place restrictions on the use of your data.

WHAT IS PERSONAL DATA?                                         

Personal data is information relating to an identified or identifiable natural person. Examples include an individual’s name, age, address, date of birth, their gender and contact details.

 

Personal data may contain information which is known as special categories of personal data. This may be information relating to an individual’s health, racial or ethnic origin, political opinions, religious or philosophical beliefs, trade union membership, genetic and biometric data, or data relating to or sexual orientation.

 

Personal data may also contain data relating to criminal convictions and offences.

 

For the purposes of safeguarding and processing criminal conviction and offence data responsibly, this data is treated in the same manner as special categories of personal data, where we are legally required to comply with specific data processing requirements.

 

PERSONAL DATA WE COLLECT

In order for us to arrange and administer insurance for you we will collect and process personal data about you. We will also collect your personal data where you request information about our services, customer events, promotions and campaigns.

 

We may also need to collect personal data relating to others in order to arrange and administer insurance. In most circumstances, you will provide us with this information. Where you disclose the personal data of others, you must ensure you are entitled to do so.

You may provide us with personal data when completing online quote or contact forms, when you contact us via the telephone, when writing to us directly or where we provide you with paper based forms for completion or we complete a form in conjunction with you.

 

We will share your personal data within our firm and with business partners. This is normal practice within the insurance industry where it is necessary to share information in order to place, quantify and underwrite risks, to assess overall risk exposure and to process claims. It is also necessary to determine the premium payable and to administer our business.

 

We also share personal data with authorised third parties, this is necessary where we are required to do so by law, where we need to administer our business, to quote for, source, place and administer your insurances, including arranging insurance premium finance, to perform underwriting activities and to process claims. Some examples follow:

-         Insurers;

-         Underwriters;

-         Premium finance providers;

-         Credit reference agencies;

-         Debt recovery agencies;  

-         Claims handling companies;

-         Loss adjusters;

-         Insurance brokers;

-         Reinsurers;

-         Regulators.

 

We will collect your personal data when you visit our website, where we will collect your unique online electronic identifier; this is commonly known as an IP address.

 

We will also collect electronic personal data when you first visit our website where we will place a small text file that is commonly known as a cookie on your computer. Cookies are used to identify visitors and to simplify accessibility, and to monitor visitor behaviour when viewing website content, navigating our website and when using features.  For more information please see our website.

 

We may record your communications with us when contacting our customer care, complaints and other customer focused functions.

Where we collect data directly from you, we are considered to be the controller of that data i.e. we are the data controller. Where we use third parties to process your data, these parties are known as processors of your personal data.  Where there are other parties involved in underwriting or administering your insurance they may also process your data in which circumstance we will be a joint data controller of your personal data. 

A data ‘controller’ means the individual or organisation which, alone or jointly with others, determines the purposes and means of the processing of personal data.

 

A data ‘processor’ means the individual or organisation which processes personal data on behalf of the controller.

 

As a provider of insurance services, we will process the following categories of data:

·         Personal data such as an individual’s name, address, date of birth, gender, contact details and details of historic claims

·         Special categories of personal data such as health and details on historic claims resulting in injury (physical and physiological)

·         Data relating to criminal convictions and offences such as details of driving offences or insurance fraud

 

If you object to the collection, sharing and use of your personal data we may be unable to provide you with our products and services.

For the purposes of meeting the Data Protection Act 2018 territorial scope requirements, the United Kingdom is identified as the named territory where the processing of personal data takes place.

 

If you require more information about our insurance processes or further details on how we collect personal data and with whom we share data with, please contact our ‘data privacy representative’ by e-mailing info@hendersoninsurance.co.uk.

 

WHY DO WE NEED YOUR PERSONAL DATA?

We will use your personal data for the performance of our contract with you, to quote for and provide you with insurance products and services, to process claims and renewals, to administer your policy and our business, to respond to any requests from you about services we provide and to process complaints.

We will use the special category and criminal conviction data we collect about you for the performance of our contract with you which is deemed to be necessary for reasons of substantial public interest. This allows us to quote for and provide you with insurance products and services, to process claims and renewals and to administer your policy.

In purchasing our products and services you should understand that you are forming a contract with us. If you contact us for a quote or request details on the services we provide, we consider ourselves as having a legitimate business interest to provide you with further information about our services.

In some situations we may request your consent to market our products and services to you, to share your data or to transfer your data outside the European Economic Area. Where we require consent, your rights and what you are consenting to will be clearly communicated to you. Where you provide consent, you can withdraw this at any time by contacting our data privacy representative.

We will retain all your personal data at the end of any contractual agreement for a period of six years from expiry including special category and criminal conviction data.  Where you have submitted a claim, we will retain your data for a period of six years if it is a non-injury claim; where an individual has been injured (physical and physiological), we will retain your data for fifteen years, unless the claim involves a minor whereby we shall follow the Limitation Act.  Where you have requested a quote or contacted us for details of our services and products, we will retain your personal data for three years.  However if you were a client within the last six years this will be attached to your previous record and the time limit above will apply.  Where you make a complaint we will retain the data for six years from closure.  Where you or law enforcement agencies inform us about any active investigation or potential criminal prosecution, we will comply with legal requirements when retaining this data.

The retaining of data is necessary where required for contractual, legal or regulatory purposes or for our legitimate business interests and marketing purposes.

Sometimes we may need to retain your data for longer, for example if we are representing you or defending ourselves in a legal dispute or as required by law or where evidence exists that a future claim may occur.

You should be aware that we use automated decision making (services/tools and techniques) to check for customer suitability to our products, for example we might perform a credit search to check an individual's solvency and credit rating. 

Please contact our data privacy representative if you object to the use of, or you have any questions relating to the use of, your data, the retention of your personal data.  You can opt out of receiving marketing services by e-mailing info@hendersoninsurance.co.uk.

YOUR RIGHTS

Individuals are provided with legal rights governing the use of their personal data. These grant individuals the right to understand what personal data relating to them is held, for what purpose, how it is collected and used, with whom it is shared, where it is located, to object to its processing, to have the data corrected if inaccurate, to take copies of the data and to place restrictions on its processing. Individuals can also request the deletion of their personal data.

 

These rights are known as Individual Rights under the Data Protection Act 2018. The following list details these rights:

-         The right to be informed about the personal data being processed;

-         The right of access to your personal data;

-         The right to object to the processing of your personal data;

-         The right to restrict the processing of your personal data;

-         The right to rectification of your personal data;

-         The right to erasure of your personal data;

-         The right to data portability (to receive an electronic copy of your personal data);

-         Rights relating to automated decision making including profiling.

 

Individuals can exercise their Individual Rights at any time. As mandated by law we will not charge a fee to process these requests, however if your request is considered to be repetitive, wholly unfounded and/or excessive, we are entitled to charge a reasonable administration fee.

                                                                           

In exercising your Individual Rights, you should understand that in some situations we may be unable to fully meet your request, for example if you make a request for us to delete all your personal data, we may be required to retain some data for taxation, prevention of crime and for regulatory and other statutory purposes.

 

You should understand that when exercising your rights, a substantial public or vital interest may take precedence over any request you make. In addition, where these interests apply, we are required by law to grant access to this data for law enforcement, legal and/or health related matters.

The flow of data within the insurance sector is complex and we ask you to keep this in mind when exercising your ‘rights of access’ to your information.  Where we may be reliant on other organisations to help satisfy your request this may impact on timescales.

If you require further information on your Individual Rights or you wish to exercise your Individual Rights, please contact our data privacy representative by e-mailing info@hendersoninsurance.co.uk or by writing to 36 Blind Lane, Sunderland, SR3 1AT.

 

PROTECTING YOUR DATA

We will take all appropriate technical and organisational steps to protect the confidentiality, integrity, availability and authenticity of your data, including when sharing your data within our firm and authorised third parties.

DATA PRIVACY REPRESENTATIVE

To ensure data privacy and protection has appropriate focus within our organisation we have a Data Privacy Representative, Peter Adamson, who is also a director.

COMPLAINTS

If you are dissatisfied with any aspect of the way in which we process your personal data please contact our data privacy representative.  You also have the right to complain to the UK’s data protection supervisory authority, the Information Commissioner’s Office (ICO).  The ICO may be contacted via its website which is https://ico.org.uk/concerns/, by live chat or by calling their  helpline on 0303 123 1113.

HOW TO CONTACT US

If you have any questions regarding this Notice, the use of your data and your Individual Rights please contact our data privacy representative at 36 Blind Lane, Sunderland, SR3 1AT or by e-mailing info@hendersoninsurance.co.uk or by telephoning 0191 5235001.

 

Henderson Insurance
Website Privacy Policy  


 

Further Information 

Information Collection and Use
Henderson Insurance is the sole owner of the information collected on this site. We will not sell, share, or rent this information to others in ways different from what is disclosed above. Henderson Insurance collects information from our users at several different points on our website.

Cookies
A cookie is a piece of data stored on the user’s hard drive containing information about the user. Usage of a cookie is in no way linked to any personally identifiable information while on our site. Once the user closes their browser, the cookie simply terminates. For instance, by setting a cookie on our site, the user would not have to log in a password more than once, thereby saving time while on our site. If a user rejects the cookie, they may still use our site. The only drawback to this is that the user will be limited in some areas of our site. Cookies can also enable us to track and target the interests of our users to enhance the experience on our site.

Log Files
We use IP addresses to analyze trends, administer the site, track user’s movements, and gather broad demographic information for aggregate use. IP addresses are not linked to personally identifiable information.

Links 
This web site contains links to other sites. Please be aware that we at Henderson Insurance are not responsible for the privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every web site that collects personally identifiable information. This privacy statement applies solely to information collected by our Website Network.

Newsletter
If a user wishes to subscribe to our newsletter, we ask for contact information such as name, email address and phone number.

Security
This website takes every precaution to protect our users’ information. When users submit sensitive information via the website, your information is protected both online and off-line.

If you have any questions about the security at our website, you can send an email to info@hendersoninsurance.co.uk.

Choice/Opt-out
Users who no longer wish to receive our newsletter or promotional materials from our partners may opt-out of receiving these communications by replying to unsubscribe in the subject line in the email or email us at
info@hendersoninsurance.co.uk..

Notification of Changes
If we decide to change our privacy policy, we will post those changes on this page so our users are always aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. If at any point we decide to use personally identifiable information in a manner different from that stated above, we will notify users by way of an email. Users will have a choice as to whether or not we use their information in this different manner. We will use information in accordance with the privacy policy under which the information was collected.


 

Contact Details
Please see the footer of our website for your local contact information or submit the enquiries form on the contact us page.