Privacy policy
How will we use your personal data?
Express Insurance Services Limited has trading names including Express Insurance on this web site. We keep your personal details and the details of any other individuals you may disclose for insurance purposes (which may include sensitive data as defined under the Data Protection Act 1998), given to us during your relationship with us and other companies, in an Express Insurance database.
Express Insurance may use your information together with other information for administration, marketing, customer service and for profiling your purchasing preferences. We will disclose your information to the insurer, our service providers and agents for these purposes. We will take it that you have consented to our necessary processing of your sensitive personal data. You have a right to ask for a copy of your information (for which we may charge a small fee) and to correct any inaccuracies.
Express Insurance and our carefully selected business partners may contact you by mail, telephone, SMS, fax or e-mail to let you know about any goods, services or promotions, which may be of interest to you.
If, at any time, you do not wish your information to be used for these purposes, please write to: Express Insurance, Mailing Preference Dept, 22 Old Walsall Road, Hamstead, Birmingham, B42 1DT, or call us on 0845 330 3351.
Your financial affairs and those of any joint applicant may be treated as affecting each other.
We may check what you have told us and share information with fraud prevention agencies. It is important that you give us accurate information as if you provide false or inaccurate data and we suspect fraud, we will record this at the fraud prevention agencies.
We and other organisations may use credit or insurance reference agency and fraud prevention agency records, about you and people financially linked to you, as well as others within your household, to help make decisions about you and them for:
Motor, household, credit, travel, motorcycle, and other insurance proposals or validating claims (including, but not limited, to the Claims and Underwriting Exchange register run by Insurance Database Services Limited), and money laundering.
Upon request, we will tell you which credit reference and fraud prevention agencies we have used so you can get a copy of your details from them.
You confirm that you have obtained consent for this agreement from any additional drivers who are not present, and you will share with them the details of what you have agreed to on their behalf.
Will your information be secure?
We have procedures and firewalls in place to safeguard your personal data from unauthorised access and improper use. So that Express Insurance or your insurer can administer or otherwise carry out our (or their) obligations in relation to any insurance policy that you may buy through this web site, we need to collect and process personal information about you - including your name, home and email addresses and telephone number. Insofar as is necessary in order to provide you with a quotation or any insurance that you may want to purchase, that information may include details about previous unspent convictions (if any). We will ask you for this information on our web site. We also need to disclose such information to the providers of the insurance policies available through this web site so that they can decide whether to offer you insurance or not, and if so on what terms.
Apart from this, we will not disclose any information, which could identify you personally without your permission unless we are legally entitled or required to do so (for example, if required to do so by Court order or for the purposes of prevention of fraud or other crime). You will be treated as having given your permission for the processing of personal information relating to you (including the disclosures) referred to in this privacy policy.
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 your details every time you visit it. We may use information we have collected about you for improving customer service and to respond to your queries.
Our web site may write a small data file to store some information on your own hard disk (a "cookie"). This helps us to identify you. You can choose to accept or delete cookies. Deleting them may mean our site does not work properly when accessed from your computer.
Legal liability
The following clauses exclude or limit our legal liability for this site. You should read them carefully. They all apply only as far as the law permits and, in particular, we do not exclude or restrict our duties and liabilities to you under the Financial Services Act 1986 or the rules and regulations for the conduct of business under the Act. This site contains a large amount of complex information. We have tried to make it as clear, easy to use and accurate as possible. However, we disclaim all expressed or implied warranties that this site is accurate, complete or up to date. We have no liability to you if it is not. The fact that a service is shown on this site does not necessarily mean it is suitable, or available to you. This also applies to other people's products or services linked to this site. Some of the services on our site may not be available or may have changed. We are not in any way responsible for anything mentioned on or linked to this site that is marketed by others. We are not responsible if this site does not work properly or at all.
