Privacy Policy

Principal Insurance is committed to protecting the privacy and security of your personal information.  This Policy tells you what information we collect, why we collect it, what we do with it and your legal rights regarding your personal data.

We will only use your information on the basis that it is necessary to administer your insurance contract or help you make a claim. Where we need to pass information to other firms, it will only be for that purpose. These firms will be Insurers, other insurance brokers, price comparison sites and firms handling claims. It includes finance providers, debt collection agencies and firms that process or administer our records.

When we contact you, it will either be for one of the above reasons, or because we have a legitimate interest in marketing related products. Any other marketing will only be made with your consent, and you will be able to withdraw your consent or unsubscribe easily at any time.

How we collect information about you

There are several ways we may collect your information; the main two ways are the things you tell us and the things we ask other organisations to tell us.

  • We may gather your data from information you submit to a website, by telephone, face to face or by email.
  • We may receive it from insurers, other insurance brokers, introducers, price comparison sites and firms handling claims. It includes finance providers and firms that process or store our records.

What type of personal information do we need?

  • We may need personal details which might include details of members of your family, lifestyle, finances, business, or education.
  • We will only collect what is necessary and will only keep it for as long as we are required to do in line with our data retention policy.

What other types of information do we need?

  • Under certain circumstances we may also need to obtain information about Race or Origin, Gender, Religion, Health, Politics, Genetics, Trade Union Membership, Sex or Sexual Orientation.
  • We might also need details of criminal convictions.
  • We will only collect what is necessary and protect it with appropriate security measures.

Who we share your information with

We may disclose your information to the third parties listed below for the purposes described in this Policy:

  • Insurers, insurance brokers, insurance distributors and product providers
  • Organisations who assist in the administration of claims
  • If you have authorised another person such as a relative to speak to us on your behalf
  • Our regulators and relevant authorities including the Financial Conduct Authority, Financial Ombudsman Service, HM Revenue and Customs and Information Commissioner’s Office
  • Insurance industry organisations such as Claims and Underwriting Exchange, Motor Insurance Database, Driver and Vehicle Licencing Agency, No Claims Bonus database.
  • Credit reference agencies, finance providers and debt recovery agencies
  • Service providers we instruct such as IT, systems, software, professional advisers, auditors, marketing agencies
  • Fraud prevention agencies, Police and governmental agencies

We will not transfer your personal information outside of the European Economic Area.  Although, some Insurers we deal with may do, therefore it is important to read their Privacy Policy for further information.

How long we keep your information

We will only keep your information for as long as reasonably necessary to fulfil the relevant purposes explained in this Policy and comply with our legal and regulatory obligations.  How long we keep your information is primarily determined by our regulatory obligations.  This is usually up to 7 years from the end of our relationship with you but will differ depending on what information we have and what we do with it.

Your legal rights

  • You have the right to complain to the Information Commissioner at www.ico.org.uk, Tel 0303 123 11132.
  • You can obtain a copy of your personal information from us without charge by contacting us at the address below. This may include the right to transfer information to other providers.
  • You have the right to ask us to correct information.
  • You have the right to ask us to delete your information or stop using it, unless it is necessary for us to retain it for insurance or financial purposes as set out in our document retention policy.
  • You may have the right to object if decisions about you are made solely by a computer.

Changes to this Privacy Policy

We review this Privacy Policy annually to keep it up to date, therefore please check it regularly for updates.  This Policy was most recently reviewed in April 2023.

Contact us

To exercise your rights or enquire about this Privacy Policy or how we process your personal information, please contact our Data Protection Officer by email: compliance@principalinsurance.co.uk or post: Principal Insurance, Citygate2, Cross Street, Sale, Manchester, M33 7JR.

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