The Free Travel Cover policy document and summary outline the terms and conditions of the European annual travel insurance that was given to customers who purchased buildings and contents insurance with Direct Line during the Free Travel Promotion. Please note that this promotion has now ended. (Travel excludes over 64’s and pre-existing medical conditions and only provides cover for Europe.)
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WHAT WE DO WITH YOUR INFORMATION
Please take a few minutes to read this document as it contains important information relating to the details that you have given us. You should also show this document to anyone else who is covered under your policy.
Your information will be held by Direct Line Insurance plc, part of the Royal Bank of Scotland group.
Managing your insurance policy
We will use the information that you have given us to manage your insurance policy, including underwriting and claims handling. This may include disclosing it to other insurers, regulatory authorities or to our agents who provide services on our behalf.
Who we will speak to about your policy
At the request of many of our customers and to make managing your insurance more convenient, 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 be able to deal with your policy for you on a regular basis please let us know. In some exceptional circumstances we may also deal with other people who call us on your behalf. If at any time you would prefer us to deal only with you, please call us to let us know.
Sensitive information
In order to provide you with insurance we will need to process sensitive information (such as information about criminal convictions) about you and others named on the insurance policy. Please get consent from the other people named on your policy before sharing their sensitive information with us.
Automatic renewals
If you have taken advantage of our automatic renewal service we will retain your payment details securely on our files so that we can take your premium at next renewal. Each year we will write to you in advance to remind you that this is happening.
Fraud prevention and detection
In order to prevent and detect fraud we may at any time:
- share information about you across the Royal Bank of Scotland group and with other insurers
- pass your details to Insurance Hunter, a central insurance application and claims checking system, whereby it may be checked against information held by Insurance Hunter and shared with other insurers
- Check your details with fraud prevention agencies and, if you give us false or inaccurate information and we suspect fraud, we will record this with the fraud prevention agency. We and other organisations may also use and search these records to:
- help make decisions about credit and credit related services for you and members of your household
- help make decisions on motor, household, credit, life and other insurance proposals and claims for you and members of your household
- trace debtors, recover debt, prevent fraud and to manage your insurance policies
- check your identity to prevent money laundering, unless you furnish us with other satisfactory proof of identity.
- undertake credit searches and additional fraud searches
Insurers pass information to the Claims and Underwriting Exchange Register, run by Insurance Database Services Limited. The aim is to help us to check information provided and also to prevent fraudulent claims. When we deal with your request for insurance we may search these registers. Under the conditions of your policy you must tell us about any incident (such as an accident or theft) which may or may not give rise to a claim. When you tell us about an incident, we will pass information relating to it to the registers.
Information on products and services
We and other companies in the Royal Bank of Scotland group may use your details to send you information about other products and services that may interest you or to carry out research. We may contact you by letter, e-mail or telephone. If you would prefer not to receive marketing information or participate in research, simply tell us when you call next.
Please be reassured that we won’t make your personal details available to any companies outside the Royal Bank of Scotland group to use for their own marketing purposes.
You are entitled on payment of a fee to receive a copy of the information we hold about you. This will be information that you have given us during your policy. We do not hold any information relating to your credit status. If you would like a copy of your information, please contact the Data Protection Officer, 3 Edridge Road, Croydon, Surrey CR9 1AG, quoting reference DLI.
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