Privacy Policy

Use of the Data Collected by the Autosaint Box

It is very important that you read this section so that you understand how Autosaint use the information provided by you and collected by the Autosaint Box.  By proceeding with the application for insurance, you are consenting to this use of the Autosaint data.

You must show this notice to any named driver on your insurance policy and any other person who drives your vehicle.

If you sell your vehicle you must ensure that the new owner of the vehicle is aware that it has an Autosaint Box fitted and that the vehicle movements will be tracked.

What data is captured by Autosaint?

For the purposes of providing you with an Autosaint policy a telematics device (Autosaint Box) will be fitted to your car to record information about the driving of the vehicle. We, our appointed agents and/or service partners will process this information securely.

From the date of installation, we will use the Autosaint Box to capture data from your vehicle. An electronic data feed will translate the GPRS co-ordinates from the box into a specific location which will provide detail regarding various information including road type, road surface and speed limit of the road you are driving on at any specific time. This information will be used to build up a profile of how, where and when your vehicle is driven.

To administer your insurance policy, we will transfer your information to our agent or subcontractor who provides a service to us in another country outside the European Economic Area. We will ensure that they agree to treat your information with the same level of protection as us.

How will Autosaint use the Autosaint data?

Autosaint will use the Autosaint Box data for the purpose of providing you with your policy and ensuring that you are paying a premium that is reflective of the style of driving, mileage and times driven. Your information, including the Autosaint Box data, will be used for the following purposes:
  • To amend your insurance premium based on actual driving performance and Information
  • If you make a claim under your policy, to help provide further clarification as to the circumstances of the claim.
  • To provide you with the theft tracking service, or any other additional service requiring use of the Autosaint Box that we may offer you and you may agree to take up during the period of insurance.
  • To help us to understand driving behaviours which we will use to inform our insurers and carefully selected third parties.
The information collected by the Autosaint and some of the information provided by you at the point of application, will also be used by Autosaint for research purposes both during the period of insurance and after the policy has ceased. Any personal information such as your name and address, will be removed before Autosaint use the information and this will restrict data being directly linked to you.  Details of Autosaint’s use of this data is detailed below.  Unless you tell us otherwise, once your policy with us has ceased, Autosaint may continue to use the information for the purposes below:
  • Road and vehicle usage including regarding road safety issues, real time traffic flow and volumes, journey times, distances and speeds, and analysis of junctions and the risk they represent;
  • Assessing the environmental impact of road and vehicle usage, including analysis of idle time spent at junctions;
  • Driving behaviour analysis and profiling including determining what constitutes safe and dangerous driving and the typical behaviours of average age ranges.
  • Analysis of the causes of, and forces involved in, crashes and other road incidents.
  • Establishing and analysing trends amongst the UK population regarding each of the purposes set out above.
  • Researching and refining techniques for analysing motor vehicle telematics data.
We will disclose information collected by the Autosaint outside of Autosaint in the following circumstances:
  • Where you have provided your agreement
  • To our agents and subcontractors for operational reasons
  • If we are required by law to disclose the information, such as to our regulators or if we are issued with a court order.

Use of your Personal Information

If you take a policy with Autosaint we pass your personal information to our Insurers who underwrite your policy and, if false or inaccurate information is provided and fraud is identified, pass your details to fraud prevention agencies. Law enforcement agencies may access and use this information.

These and other organisations may also access and use this information to prevent fraud and money laundering, for example, when: checking details on applications for credit and credit related accounts or other facilities, managing credit and credit related accounts or facilities, recovering debt, checking details on proposals and claims for all types of insurance, checking details of job applicants and employees. Organisations may access and use from other countries the information recorded by fraud prevention agencies.

You can contact your Insurer directly to find out which fraud prevention agencies they use.

Data Protection

For Data Protection Act purposes Fresh Insurance is the data controller and Autosaint is the data processor. We will hold and process your personal data for insurance administration and marketing. For this purpose, the information may also be passed to selected third parties, insurers and reinsurers, and may be processed outside the European Economic Area (EEA). You understand that all personal data you supply must be accurate, and you have the specific consent of those other persons insured to disclose their personal data. You can ask us for more information about this at any time. At the request of many of our customers and to make managing your insurance more convenient, it is our policy to deal with any approved persons of the policy.  If you would like someone else to be able to deal with your policy for you on a regular basis, they will be required to complete and authorisation form.
 

Using the Autosaint Website

This privacy policy sets out how Autosaint Insurance Services uses and protects any information that you give us when you use this website please read carefully as you must agree to the details outlined in this policy before purchasing an insurance policy from us.

We are committed to ensuring that your privacy is protected. Should we ask you to provide information, you can be assured that it will only be used in accordance with this privacy statement. Autosaint Insurance Services may change this policy by updating this page. You should check this page from time to time to ensure that you are happy with any changes. This policy is effective from June 2011.

Use of Your Personal Information

We will use your information for processing your quotation, managing and administering your policy, claims handling and responding to complaints or policy enquiries. In administering your insurances it will be necessary for us to pass your information to insurers and other product or service providers which may also provide us with business and compliance support.

If relevant your policy details will be added to the Motor Insurance Database (MID), run by the Motor Insurers Information Centre (MIIC). This may be consulted by the Police in order to establish who is insured to drive the vehicle. If you are involved in an accident, (in the UK or abroad) other UK Insurers, the Motor Insurers Bureau and MIIC may search the MID to ascertain relevant policy information. Persons with a valid claim in respect of a road traffic accident (including citizens of other countries) may also obtain certain information which is held on the MID. You can find out more about this at www.mib.org.uk.

Autosaint Insurance Services and other carefully selected third parties may use your information to keep you informed by post, telephone, SMS or email about current and new products and services which may be of interest to you. Your information may also be disclosed and used for these purposes if you have received a quotation from us or after your policy has lapsed. If you do not wish your information to be used for the purpose of such marketing or research, please advise us in writing.

How we use cookies

A cookie consists of information sent by a web server to a web browser, and stored by the browser. The information is then sent back to the server each time the browser requests a page from the server. This enables the web server to identify and track the web browser.

We use session cookies on the website. We will use the session cookies to: keep track of you whilst you navigate the website. Session cookies will be deleted from your computer when you close your browser.

We use Google Analytics to analyse the use of this website. Google Analytics generates statistical and other information about website use by means of cookies, which are stored on users' computers. The information generated relating to our website is used to create reports about the use of the website. Google will store this information. Google's privacy policy is available at: http://www.google.com/privacypolicy.html.

Most browsers allow you to reject all cookies, whilst some browsers allow you to reject just third party cookies. For example, in Internet Explorer you can refuse all cookies by clicking Tools > Internet Options > Privacy and selecting 'Block all cookies' using the sliding selector. Blocking all cookies will, however, have a negative impact upon the usability of many websites, including this one.

Links to other websites

We provide links to third party websites as part of our service to you. We accept no responsibility for any statements, information, content and products associated with these third party websites. We accept no liability for these third parties for any viruses or anything else that could be infectious or destructive.

Universal Analytics

Any data collected from our site is in accordance with all laws and regulations relating to the protection of personal data including the Data Protection Act 1998 (as may be amended) (the "Data Protection Act"). Further details on the Data Protection Act can be found on the Information Commissioner's website (ico.org.uk)
For our reporting needs as well as system administration we may gather data about your computer which can include your IP address, operating system and browser type. This is statistical data about our users’ browsing actions and patterns, and does not identify any individual.

Google Analytics is a web analytics tool that helps website owners understand how visitors engage with their website; this is also the only cookies we use on our site.

Google Analytics uses first-party cookies to track visitor interactions, as does this website. User data gathered in Google Analytics can be analysed helping us to improve our site.

In addition our visitor data will allow us to send out personalised content, advertisements or links relevant to your geographic area or device-type.

Cookies contain information that is transferred to your computer’s hard drive. These cookies are used to store information, such as the time that the current visit occurred, whether the visitor has been to the site before and what site referred the visitor to the web page.

Our users have the option to opt out of Google Analytics without affecting their visit to our site – for more information on opting out of being tracked by Google Analytics across all the websites you use, visit this Google page.

Security

We are committed to ensuring that your information is secure. In order to prevent unauthorised access or disclosure we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online.

Your Rights

You have certain rights under the Data Protection act 1998 you have certain rights in relation to the information we hold about you. You may request, by writing to the ‘Customer Service Dept at Fresh Insurance Group Ltd’ and enclosing a cheque for £10 payable to ‘Fresh Insurance Group Ltd’, details of the information that we hold about you. You are also entitled to request us, by writing or emailing us, to stop using information about you for the purposes of Direct Marketing, not to share your information with other carefully selected parties. More information regarding your rights can be obtained from:

Data Protection Commissioner’s Office
Wycliffe House
Water Lane Wilmslow
Cheshire
SK9 5AF
Tel: 01625 545700*
* calls may be recorded.