Rapidinsure Privacy Policy
Rapidinsure.co.uk is committed to protecting the privacy of the information you provide. This page explains how we use the information you give us and what we do to ensure that it remains safe and is not misused.
The information we require
Rapidinsure.co.uk requires the minimum of information to deliver an insurance quotation and then provide you with the actual policy. Because of this it is important you fill in all the required details correctly. Of particular importance is your email address.
Occasionally to provide insurance on certain policies we may need to collect sensitive personal information relating to:
- the physical or mental health or yourself, family or members of your household
- the commission or alleged commission by you or members of your family or household of any criminal offence
Where such sensitive personal information relates to anyone other than you, you must obtain the explicit consent of the person to whom the information relates to.
How we use the information
We use your information only in connection with Rapidinsure.co.uk's web site and the administration of Rapidinsure and Universal Provident products; we commit never to sell your information for marketing or other purposes to any outside third party; we also commit not pass on any of your details to third parties (excluding the policy underwriters, please see below) except where you have authorised us to do so.
We will not disclose any personally identifiable information without your permission unless we are legally expected and entitled to do so (for example, if required to do so by Court order).
We require your email address as this is the address where we send your policy documents (for you to save or print), and where we will contact you with renewal reminders or information related to your policy. Other information you supply is used to generate a competitive quote for insurance and then to generate your policy.
To allow us to develop and improve both the web site and the insurance policies we regularly analyse all the information that you, our members provide. We may occasionally email you details of updates to the web site, special offers or new insurance policies. If you would rather not receive this material let us know.
If you are currently or have previously been a customer of ours then we may continue to process data for as long as we have an agreement with you and for a reasonable period of time afterwards (for example, we may be legally obliged to retain information about you even after your policy has expired).
How the Insurers will use your information
Insurers and their agents share information with each other to prevent fraudulent claims and to assess whether to offer insurance (including the terms) via The Claims and Underwriting Exchange register. This is operated by Insurance Database Services Ltd and the Association of British Insurers. Lists of participants are available on request. In dealing with your application the registers may be searched. In the event of a claim, the information you supply on the web site and the claim form will be put on the register and made available to participants.
If you enter in to an insurance contract through RapidInsure.co.uk or Universal Provident, on acceptance of the quotation, you consent to the information provided and any claim you may make being supplied to IDS Ltd and the ABI so that it can be made available to the other Insurers. You also agree that, in response to any searches we may make in conjunction with your application or any claim, IDS Ltd and ABI may supply information it has received from other Insurers about other claims you have made.
Information Collected
Along with most major sites we may automatically collect non-personal information such as the type of internet browsers being used to view our site. You will not be identified from this information and it is only used to assist us in providing an effective service on this web site.
We may store some information (commonly known as a "cookie") on your computer when you look at our site. This information facilitates your use of our web site and ensures that you do not need to re-enter all your details every time you visit. These cookies are required if you wish to get a quote or proceed to purchase insurance. Once your purchase has been completed you can erase this information from your computer if you desire. (Your help screen or manual should tell you how to delete "cookies").
Third Parties
We recommend that you check the privacy policies of other sites carefully. If you have come to our web site from a third party web site, we cannot be responsible for the privacy policies and practices of that third party web site.
We may from time to time supply third parties with information relating to the number of users linking to our web site. This is purely for administration and you cannot be identified from this information.
How we protect your information
We keep your information confidential and stored on a password protected server, with the payment system and member services secured using SSL encryption algorithm. This means that all information of a personal nature sent between your browser and our server is encrypted. This helps to ensure that only we have access to it. Rapidinsure.co.uk is secured with a DigiCert SSL site certificate.
Rapidinsure's internal security procedures safeguard the storage, access and disclosure of your information.
Security Management
Our IT Team is responsible for the security of the Rapidinsure.co.uk web site and associated information. As part of these responsibilities the team regularly reviews and updates the security of the web site and supporting hardware to ensure all transactions and information are as secure as possible.
Internal procedures are regularly reviewed and updated. Rapidinsure.co.uk has formulated its security standards using BS7799 (Code of Practice for Information Security Management) as its guide.
Consumer Protection Laws
Rapidinsure.co.uk is happy to comply with consumer protection laws, including
- Sale of Goods Act 1979
- Supply of Goods and Services Act 1982
- Consumer Credit Act 1974
- Trade Descriptions Act 1968
- Unfair Contract Terms Act 1977
- Consumer Protection Act 1987
- Package Travel, Package Holidays and Package Tour Regulations 1992
- Data Protection Act 1998
Rapidinsure is always willing to investigate complaints concerning consumer protection laws.