What's on this page:
- Personal Information We Collect and How it is Used
- Who Personal Information is Shared With
- Fraud and Other Financial Crime
- Credit Reference Agencies
- Automated Decision Making
- Profiling and Data Analysis
- International Data Transfers
- Data Rights
- Contacting Us
how you can contact us if you wish to exercise your rights and the procedures that we have in place to safeguard your privacy.
Personal Information means any information relating to you or another living individual who is identifiable by us.
My Account and our mobile applications), in particular, our home, motor and life (including life, income protection and critical illness) insurance policies.
We take the security of your Personal Information very seriously. We use a combination of technical, organisational and physical security measures to protect your Personal Information
in line with our obligations under data protection law. Our employees receive training to help us comply with data protection law and safeguard your privacy.
Usually, where you are an individual motor or home insurance policyholder, the Aviva group company that underwrites your insurance policy,
Aviva Insurance Limited, will be the main company responsible for your Personal Information, known as the controller, and Aviva UK Digital Limited,
who is responsible for the sale and distribution of the product, will be an additional controller. Where you are a life insurance policyholder,
the Aviva group company that underwrites and distributed your insurance policy, Aviva Life & Pensions UK Limited, will be the controller and main
company responsible for your Personal information. In other cases, your relationship with us will determine which of our group companies are the controller(s) responsible for your Personal Information.
Please check the documentation that we provide to you for details of the specific Aviva companies acting as controller(s) of your Personal Information.
When we mention “Quotemehappy.com”, "Aviva", "we", "us" or "our", what we mean is the relevant company in the Aviva group that processes your Personal Information.
If you have any questions about this, please contact us.
We have separate privacy notices for our different types of products, so if you have a number of Aviva products you may need to review more than one privacy notice.
Most of the Personal Information we collect relates to the individual who is taking out a policy (or other individuals where it’s taken out jointly or otherwise for the benefit of others).
If you have a life insurance policy that is placed under trust, then the appointed trustees will be legal owners of the policy and so we will also process details of the trustees.
We may also ask for Personal Information about other individuals if we need it. For example:
- if you ask us to provide insurance for someone other than you, such as other household or family members;
- details about beneficiaries under a policy; or
- health information about other family members where this is relevant to the risk we’re covering when we arrange a policy or when we handle a claim.
or prospective beneficiaries of our products and services, but whose Personal Information we process in connection with those products and services including third party claimants;
witnesses to an incident; individuals who have caused a policyholder a loss and whom Aviva have a right to pursue in order to recover those losses; legal representatives;
general practitioners and other medical or similar professionals; expert witnesses or other expert service providers; and participants in market research.
If you provide us with Personal Information about someone else, we’ll assume that you have their permission, where required.
2. Personal Information We Collect and How it is Used
a. Sources of Personal Information
We obtain Personal Information directly from you, including, from applications and claims forms you complete, communications between us, your participation in promotions and market research, your use of our apps and websites,
as well as details from the devices you use to interact with our apps and websites. Where you are a joint policyholder, named driver or otherwise a beneficiary under a policy,
we will also obtain Personal Information from the policyholder, and where a life insurance policy is under trust, we may receive Personal Information from appointed trustees.
We may also receive your information from our policyholders e.g. when:
- you are witness to an incident;
- you are claiming against one of our policyholders;
- one of our policyholders is claiming against you;
- you are providing your professional services to any of these parties, e.g. as a medical expert.
We may also obtain Personal Information from third parties, including the following:
- Comparison websites and other similar companies where you have used these companies to obtain quotes for our products;
- Third parties who provide you with services relating to your product or claim, e.g. roadside assistance providers and home emergency cover;
Third parties who provide us, or a third party insurer relevant to your product or claim, with services e.g. loss adjusters, claims handlers, legal advisers, banks,
assistance providers, experts (including medical experts) and in limited circumstances, private investigators;
- Third parties involved in your product or claim, e.g. other insurers, brokers, advisers, claimants, defendants and witnesses to an incident;
- Healthcare providers and medical practitioners;
- Aviva group companies who may provide information in relation to other products you hold, previous claims, policies or quotes, and Aviva Insurance Ireland Designated Activity Company (AIIDAC) where AIIDAC is providing cover for assets or properties in the European Union;
- Credit reference agencies;
Financial crime, fraud or uninsured detection agencies, databases and sanctions lists, including the Motor Insurers' Bureau (MIB) who are the data controller for the Motor Insurance Database (MID),
the Claims and Underwriting Exchange (CUE), Motor Insurance Anti-Fraud Theft Register, No Claims Discount Database, MyLicence, Whiplash Reforms Programme, Employers' Liability Tracing Office (ELTO)
and Insurance Fraud Bureau (IFB);
Government agencies and regulatory bodies including the police, the courts, the Driver and Vehicle Licensing Agency (DVLA), Driver and Vehicle Agency Northern Ireland (DVA),
Driver and Vehicle Standards Agency (DVSA), the Department for Work and Pensions (DWP), Companies House, the National Health Service and HM Revenue & Customs (HMRC);
- Regulators who regulate how we operate including the Financial Conduct Authority (FCA), Prudential Regulation Authority (PRA), Information Commissioner’s Office (ICO) and the Financial Ombudsman Service (FOS);
- If you are a service provider, such as a medical expert or solicitor, regulators who regulate how you operate including the General Medical Council and the Solicitors Regulation Authority;
- Industry bodies, including the Association of British Insurers and the MIB;
- Debt advisors, including where breathing space is requested on outstanding debts;
- Third parties who provide us with details of individuals who have expressed an interest in hearing about insurance products;
- Third parties that provide services in relation to your policy or claim, including checking no claims discounts;
Third parties that help us maintain the accuracy of our data, e.g. by identifying individuals who are deceased, updating contact details for individuals who have moved and payment card
providers who provide us with updated payment card details;
- Other third party suppliers including actuaries, auditors, legal advisers and other professional service firms and sanctions checking service providers;
- Data suppliers, e.g. TransUnion, LexisNexis and Barbour ABI;
- Publicly available sources including HM Land Registry, the Office for National Statistics (e.g. census data) and other data made available under the Open Government Licence, internet searches, news articles, online marketplaces and social media sites, apps and networks (e.g. Twitter, Facebook and Instagram);
- Providers of marketing and advertising services; and
- Third parties in connection with any acquisition of a business by us.
b. Types of Personal Information collected
The Personal Information we hold and process will depend on our relationship with you and the product or service we provide. For example, if you are a policyholder or a claimant claiming against one of our policyholders,
we may collect detailed information about you and your claim. However, if you are an individual at a company who is providing services to us, e.g. a broker or a medical expert,
the Personal Information we hold about you will be a lot more limited. We have set out some examples of the Personal Information we may hold, depending on our relationship with you below.
Information provided by you or third parties, including:
- General data - includes your name, date of birth, marital status, country of residence/citizenship and your relationships to other people, e.g. family members on a joint insurance policy;
- Contact data – includes your address, telephone number and e-mail address;
- Identification data – includes government issued identification numbers, e.g. your national insurance number, passport number, driving licence number (in relation to motor insurance), NHS numbers and other identifiers, e.g. usernames and social media identifiers;
- Appearance and behavioural data – includes your gender, age, general interests, descriptive data, e.g. your height, images, demographic data and behavioural data, e.g. your purchase history and, in relation to life insurance, how often and where you travel and weight;
Health and lifestyle data (in relation to life insurance) – including details of your Body Mass Index, whether you do or have ever smoked or used tobacco products,
details regarding alcohol consumption. For further information see Sensitive Personal Information;
Product data – includes information about quotes, policies, schemes and claims, and any information other relevant to your product,
including policy and claim histories and, in relation to home insurance, planning applications, property valuations, surveys and the value of your home contents;
- Occupiers (in relation to home insurance) – data regarding other occupiers of your property, e.g. family members or lodgers;
- Claims data – if a claim is made under an insurance policy, this includes information about the claim collected from you, your next of kin or another relative, your legal representative or other relevant third parties, e.g. witnesses;
- Fraud and sanctions related data – includes information obtained as a result of our investigations, e.g. carrying out checks of publicly available sources such as newspapers and social media sites and information obtained from checks of fraud databases and sanctions lists such as relationships/close associations with politically exposed persons;
- Education and employment-related data – includes your education, vocational and professional qualifications, employment status, job title, salary and employment and educational history;
- Vehicle and driving-related data (in relation to motor insurance) - includes driving licence entitlement and restrictions or endorsements, driving convictions, vehicle details including registration number and MOT details, vehicle ID number, digital location ID and dash cam footage;
Financial data – includes credit and payment card numbers, bank account details, payment information, whether you provide a continuous payment authority, tax information, details of income,
tax bands and liabilities, assets and liabilities e.g. information on shareholdings and loans, and, in relation to home insurance, mortgages;
- Credit assessment data (in relation to home and motor insurance)– includes information received from credit agencies, e.g. credit rating and details of bankruptcy orders, voluntary arrangements and county court judgments.
This helps us assess risk, verify your identity and prevent fraud. For further information see Credit Reference Agencies;
- Vulnerability data – information about health, life events, resilience and capability that helps us identify if you might have additional support requirements in order that that we can better meet your needs;
- Authentication data – includes account log-in information, passwords and memorable data for accessing your Aviva accounts;
- Telephone recordings and online chat transcripts – information obtained during recordings of telephone calls or online chats with our representatives and call centres;
- Marketing and communication preferences, promotion entries and customer feedback – includes marketing and communication preferences, information relating to promotions and prize draws, responses to surveys, complaints and details of your customer experience.
Information provided by third parties, including:
- Data about your vehicle, e.g. details about your MOT and your vehicle's mileage and information about the features of your vehicle, e.g. engine capacity (in relation to motor insurance);
- Data about your property, e.g. whether it has a flat roof, whether it is listed, energy performance information and information about planning applications (in relation to home insurance);
- Accurate contact data, e.g. where you have moved address, changed your telephone number or started using a new email address and not yet advised Aviva. This data may be used to ensure that we have a complete understanding of your product holding and to provide you with communications about your products. It will not be used for direct marketing purposes unless it was collected by the third party expressly for that purpose and always in accordance with data protection law;
Data about the area you live in, e.g.:
- crime-related data;
- census data;
- government statistics on road traffic accidents in your local area;
- house prices;
- your council tax band;
- subsidence data;
- average garden size;
- data related to healthcare, the prevalence of certain diseases, life expectancy, and education;
- geographical area information and distance to various features such as the coast;
- road and vehicle types;
- modelled data which predicts characteristics about people in your area such as socio-economic groups as well as likely habits; and
- flooding and weather-related data.
If you are a witness, third party claimant, claiming against an Aviva policyholder, or have otherwise caused the policyholder a loss, we may also collect:
- Detailed information about your claim from you, the policyholder, any witnesses, experts and third party service providers; and
Vehicle and driving-related data - includes driving licence entitlement and restrictions or endorsements, driving convictions, vehicle details including registration number and MOT details,
vehicle ID number, digital location ID and dash cam footage if relevant to your claim.
Information collected from your devices, including:
Information already held by Aviva, including:
Data relating to other Aviva policies or previous Aviva interactions – e.g. quote, policy and claim histories relating to other existing Aviva policies or products or those you may have applied for or held in the past, and contact details where you may have advised Aviva about a change on one product, but not another;
Modelled data that has been developed by Aviva using data that it already holds. For example:
- we use data that we have collected in relation to sums insured to develop our own sum insured calculator to predict your likely required sum insured;
- we use claims data to identify customers who are likely to claim more than others.
Information inferred from your Personal Information, including:
Appearance and behavioural data – includes your general interests, descriptive data and behavioural data, e.g.to allow us to make certain predictions and assumptions about your interests,
which allows us to personalise your experience with us;
- Vulnerability data – information about health, life events, resilience and capability that helps us identify if you might have additional support requirements in order that we can better meet your needs;
- Fraud and sanctions-related data – includes information obtained as a result of our investigations, e.g. carrying out checks of publicly available sources, e.g. newspapers and social media sites and checks of fraud databases and sanctions lists.
We collect data about children in some circumstances, e.g.:
- where a child is insured on an adult's policy;
- where a child takes out a policy with us, e.g. car insurance for under 18s;
- where a child is a claimant;
- where there are children living in the property;
- where they are eligible for child’s critical illness claim;
- where they are beneficiaries of a policy in trust.
Sensitive Personal Information
Sometimes we will request or receive Personal Information that is sensitive and we call this “Sensitive Personal Information”. This is information relating to your health, genetic or biometric data, sex life,
sexual orientation, racial or ethnic origin, political opinions, religious or philosophical beliefs and trade union membership. It also covers criminal offence data, including information about criminal activity, allegations (including those unproven), investigations, proceedings and penalties. For example:
- to investigate a bodily injury claim, we’ll need to ask you to provide details of the injury (in relation to motor insurance);
- we may hold information about any health condition or disability that has required an adaptation to your home (in relation to home insurance);
- to investigate a claim under a critical illness or income protection policy, we’ll need to you to provide details of your health condition (in relation to life insurance).
We know how sensitive this data is, so protecting it is a top priority. The types of Sensitive Personal Information we hold and process where relevant include:
- Health data – includes details of existing and previous physical or mental health conditions, health status, test results, medical diagnoses and treatment,
e.g. personal injuries sustained as a result of a motor accident or public liability claim under home insurance or, in relation to life insurance, prescriptions given and personal habits
(e.g. smoking or use of tobacco products);
- Criminal data – includes driving licence endorsements, fixed penalties or pending prosecutions for any motoring offences for any of the persons insured, or to be covered under motor insurance, in relation to detecting and preventing fraud and for Automated Decision Making purposes;
- Other sensitive data - in limited circumstances we may process other Sensitive Personal Information, e.g. information relating to your religious beliefs where relevant to your preferences regarding medical treatment.
c. Uses of Personal Information
The main purposes for which we use Personal Information are to:
- Communicate with you and other individuals;
Make assessments and take decisions, including whether to pay your claim or pursue any losses against you or a third party, provide you with our products and services,
on what terms and whether you are eligible for a payment plan. For further information, see Automated Decision Making;
- Process payments when you purchase a product or service and any refunds;
Provide our products and services, including insurance administration, taking payment, making changes where requested or necessary, managing renewal, claims assessment,
settlement and dispute resolution and the provision of our apps and other technologies, e.g. My Account;
- Manage relationships with third parties, e.g. advisers and service providers;
Prevent, detect and investigate fraud and other crime, including by carrying out fraud, sanctions and anti-money laundering checks. For further information see Fraud and Other Financial Crime;
- Improve our products and services, provide staff training and maintain information security, including by recording and monitoring telephone calls;
- Provide marketing information and run promotions in accordance with preferences you have expressed. For further information see the section on Marketing;
- Conduct customer analysis, market research and focus groups, including customer segmentation, campaign planning, creating promotional materials, gathering customer feedback and customer satisfaction surveys;
Help us better understand our customers and improve our customer engagement, including noting your interest in our website, understanding your customer journey, and use of profiled data
(which is not actual information about you but predictions about you, e.g. assumptions about your interests based on the preferred leisure pursuits of households your area). This allows us to make correlations about our
customers to improve and promote our products and to suggest other products, services and information which may be relevant or of interest to customers;
Carry out data analysis, including to ensure data accuracy and quality and for insurance risk modelling and product and pricing refinement.
For further information see Profiling and Data Analysis;
Manage complaints, including to allow us to respond to any current complaints, or challenges you or others might raise later, for internal training and monitoring purposes and to help us to
improve our complaints handling processes. We may be obliged to forward details about your complaints, including your Personal Information, to the appropriate authorities, e.g. the relevant ombudsman;
- Manage feedback and queries and handle requests to exercise data subject rights. For further information see Data Rights;
Manage our business operations, including by carrying out internal audits, quality assurance and training, financial analysis and accounting, producing management information and
performing administrative activities in connection with the services we provide;
- Manage commercial risk, including by taking out and maintaining appropriate insurance and reinsurance;
Comply with applicable legal, regulatory and professional obligations, including cooperating with regulatory bodies, e.g. the ICO, FCA and PRA, MIB and government
authorities, to comply with law enforcement and to manage legal claims;
Identify and support individuals requiring additional support, to help us better meet your needs and to comply with regulatory guidance about how we meet your needs. Sometimes you or a third party
may tell us that you have additional support requirements, and in other cases we may infer this from your Personal Information and our interactions with you;
- Establish, enforce and defend our legal rights or those third parties, including enforcing our terms and conditions, pursuing available remedies and limiting our damages;
- Carry out activities that are in the public interest, e.g. we may need to use Personal Information to carry out anti-money laundering checks;
- Buy, sell, transfer or dispose of any part of our business;
- Archiving, scientific or historical research or statistical purposes.
d. Lawful Bases for uses of Personal Information
We are committed to collecting and using Personal Information in accordance with applicable data protection laws. By law, we must have a legal justification,
- Performance of a contract - to arrange, underwrite or manage our products, or handle claims in accordance with their terms;
- Compliance with a legal obligation - to meet responsibilities we have to our regulators, tax officials, law enforcement, or other legal responsibilities;
- Legitimate interests - to operate and improve our products and services and keep people informed about our products and services or for any other purposes we identify as appropriate to our business needs, or those business needs of a third party;
- Consent - where we have obtained appropriate consents to collect or use your Personal Information for a particular purpose.
Where we rely on legitimate interests as our lawful basis, we are required to carry out a balancing test to ensure that our interests, or those of a third party,
do not override the rights and freedoms that you have as an individual. The outcome of this balancing test will determine whether we can use your Personal Information
To further our business and commercial activities and objectives, or those of a third party, e.g. to provide our products and services and produce management
information on our performance and the performance of third parties;
- To help us better understand our customers and improve our customer engagement and marketing campaigns including by carrying out analysis, marketing analytics and profiling, e.g. by making certain predictions and assumptions about your interests;
- To send you marketing information in accordance with your preferences, e.g. about other products and services we offer, and to administer promotions that you enter;
- To comply with our legal and regulatory obligations, guidelines, standards and codes of conduct, e.g. background checks or the prevention, detection and investigation of financial crime or fraud;
- To improve and develop our business, products and services, or those of a third party, e.g. to ensure the accuracy of customer data and to develop our pricing and risk methods and models;
- To retain your policy record for a period of time in order to ensure we have appropriate records in place in respect of any future claims that may be insured by us;
- To safeguard our business, shareholders, employees and customers, or a third party, e.g. maintaining the security of our IT network and information, enforcing claims, including debt collection;
- To facilitate the purchase, sale, transfer or disposal of any part of our business; and
- To analyse and assess competition in the market for our products and services, e.g. by carrying out market research.
Our lawful bases for the use of Personal Information:
We can only collect and use Sensitive Personal Information where we have an additional, specific lawful basis to process such information. We usually rely upon one of the following lawful bases
where we process Sensitive Personal Information:
Reasons of substantial public interest:
insurance purposes – including advising on, arranging, underwriting and administering contracts of insurance, administering claims under a contract of insurance and exercising rights,
or complying with obligations that arise in connection with contracts of insurance;
- complying, or helping someone else comply with, a regulatory requirement relating to unlawful acts and dishonesty - including regulatory requirements to carry out money laundering checks;
- preventing or detecting unlawful acts – including disclosures to competent authorities;
- preventing fraud – including investigating alleged fraud;
- safeguarding the economic well-being of certain individuals – including where we identify additional support required by our customers;
- equality of opportunity or treatment – including where we need to keep under review the equality of treatment of customers with additional support needs.
Necessary to establish, exercise or defend a legal claim – including where we are faced with legal proceedings, we bring legal proceedings ourselves or where we are
investigating legal proceedings that a third party has brought against you;
- Necessary to protect your vital interests or those of another individual;
- Information has been clearly or obviously made public by you.
Our lawful bases for the use of Sensitive Personal Information:
||Lawful Basis for Sensitive Personal Information Processing
|Communicating with you and others including complaints handling
Necessary for insurance purposes Legal claims
Necessary for safeguarding economic well-being of certain individuals
|Identifying individuals requiring additional support
Necessary for safeguarding economic well-being of certain individuals
Necessary for the equality of opportunity or treatment
|Evaluating your application or renewal or to provide a quote
||Necessary for insurance purposes
|Providing and administrating a policy, including taking payment
||Necessary for insurance purposes
|Managing third party relationships
||Necessary for insurance purposes
|Claims assessment and management of claims
Necessary for insurance purposes Legal claims
|Identifying or investigating financial or other crime and fraud
Necessary for insurance purposes
Regulatory requirement relating to unlawful acts or dishonesty
Clearly or obviously made public by you
Prevent or detect crime
Necessary for safeguarding economic well-being of certain individuals
|Compliance with legal or regulatory obligations
Necessary for insurance purposes Legal claims
Regulatory requirement relating to unlawful acts or dishonesty
|Establishing, enforcing or defending legal rights
|Improving quality, training and security
|Managing our business operations, e.g. accounts, financial analysis, internal audit
|Profiling and data analysis (including modelling)
||Necessary for insurance purposes
|Applying for or claiming on our insurance
Necessary for insurance purposes
|Buying, selling, transferring or disposing of our business
Necessary for insurance purposes
|Archiving, research or statistical analysis
||Necessary for archiving, research or statistical analysis
Where we cannot rely on one of the above lawful bases to process your Sensitive Personal Information for a particular purpose, we will seek your explicit consent.
If you would like to know more about the lawful bases we rely upon, or how the lawful basis of legitimate interests applies to a particular purpose, you can contact us.
3. Who Personal Information is Shared With
In connection with the purposes set out above, we will sometimes share Personal Information with Aviva group companies and third parties, including:
- Financial advisers, insurance brokers and business partners who help us arrange, manage and underwrite our products and who provide insurance services;
- The relevant Aviva policyholder if you are making a claim against that policyholder or have otherwise causes that policyholder a loss;
- Comparison websites and other similar companies that offer ways to research and apply for financial services products;
- Other insurers (either directly or via those acting for the insurer);
Our insurers or reinsurers (either directly or through insurance brokers), who provide reinsurance services to us and each other in respect of risks underwritten by Aviva,
or insurers who cover Aviva under our group insurance policies. We can supply on request further details of the insurers and reinsurers we provide your Personal Information
to and how this may be used. If you require further details contact us;
- Third parties who provide you with services relating to your product, e.g. roadside assistance providers in relation to motor insurance, home emergency cover in relation to home insurance and other assistance providers;
Third parties who provide us, or a third party insurer relevant to your product or claim, with services, e.g. funding partners, loss adjusters, claims handlers, assistance providers,
third-party case managers handling your care or treatment pathway, experts and, in limited circumstances, private investigators;
- AIIDAC where cover is provided for assets or properties in the European Union;
- Legal advisers, accountants, financial institutions, auditors and professional service firms who act on our or your behalf, or who represent a third-party claimant;
- Data analysts and providers of data services who support us with developing our products and prices and measuring the effectiveness of marketing;
Third parties that help us maintain the accuracy of our data, e.g. by identifying individuals who are deceased, updating contact details for individuals who have moved and payment
card providers who provide us with updated payment card details;
- Financial crime detection agencies, financial services organisations sanctions checking providers and third parties who maintain fraud detection databases or provide assistance with investigation in cases of suspected fraud;
- Regulators who regulate how we operate, including the FCA, PRA, FOS, HMRC, ICO and the Advertising Standards Authority;
- Regulators who regulate how you operate including the General Medical Council and the Solicitors Regulation Authority;
- Government agencies and regulatory bodies including the police, courts, DVLA, DVA, DVSA and the DWP;
- Debt advisors, including where breathing space is requested on outstanding debts;
- Insurance industry bodies, including the Association of British Insurers and the MIB;
- Credit reference agencies in relation to motor and home insurance;
- Data analysts and service providers, including those who help organise travel arrangements, operate our IT and back office systems, underwriting and claims processes and our information security controls and card payment processors;
- Medical professionals, if we need to access health records or assessments for the purposes of arranging and underwriting certain products or facilitating and handling claims;
- Clinicians, including hospitals and third party case managers from whom you and others covered under the policy receive insured treatment or who manage your care or treatment pathway;
- Research agencies and providers of market research services, including customer feedback surveys;
Providers of marketing and advertising services, including delivering and administering marketing, ensuring you receive marketing content that’s relevant to you and in
accordance with your preferences and analysing marketing campaigns. These may include media agencies, fulfilment partners, social media and other online platforms and
advertising technology companies. You can find further information about this in the section on Marketing; and
- Third parties in connection with any sale, transfer or disposal of our business.
Some of the organisations we share information with may be located outside of the UK. For further information, please see the section on International Data Transfers.
4. Fraud and Other Financial Crime
We use your Personal Information to detect and prevent fraud and other financial crime, including to meet our statutory and regulatory responsibilities in relation to fraud and financial crime.
If you’re making an application or a claim, we may use profiling and other forms of automated processing to assess the probability that your application or claim may be fraudulent.
This assessment may involve the use of Sensitive Personal Information or criminal data. For example, we may use your past motoring convictions for motoring insurance or details
of any convictions relating to fraud or dishonesty. See Automated Decision Making for further details.
To prevent, detect and investigate fraud, we:
- check public registers (e.g. the electoral roll or registers of county court judgments, bankruptcy orders or repossessions);
- conduct online searches from websites, social media and other information-sharing platforms;
use databases managed by credit reference agencies, insurance industry bodies, fraud detection agencies and other reputable organisations.
share Personal Information and undertake searches with other third parties, including other insurers, fraud prevention agencies, law enforcement agencies,
public bodies and our regulators (which include the FCA, PRA, ELTO, MIB and ICO).
This will help us verify your identity, make decisions about providing you with our products and related services, e.g. paying claims and trace debtors or beneficiaries.
If you give us false or inaccurate information and we suspect fraud, we’ll record this to prevent further fraud and money laundering and this may be shared between insurers or with other parties.
We can supply on request further details of the agencies and databases we access or contribute to and how this information may be used. If you require further details, please contact us.
For details relating to information held about you by the DVLA please visit http://dvla.gov.uk/
How your Personal Information is used and shared by insurers and databases in relation to motor insurance
The Personal Information you provide will be used by us and shared with other insurers as well as certain statutory and other authorised bodies for:
Insurance underwriting purposes, i.e. to examine the potential risk in relation to your (and/or a third party’s) prospective policy so that we can:
- consider whether to accept the relevant risk;
- make decisions about the provision and administration of insurance and related services for you and members of your household;
- validate your (or any person or property likely to be involved in the policy or claim) claims history (at any time including upon application for insurance, in the event of an accident, incident or a claim, or a mid-term adjustment, or at a time of renewal).
Management information purposes, i.e. to analyse insurance and other markets for the purposes of:
- portfolio assessment;
- risk assessment;
- performance reporting;
- management reporting.
Anti-fraud purposes, i.e. to detect and prevent fraudulent claims and/or activities by:
- sharing information about you with other organisations and public bodies including the police;
- tracing debtors or beneficiaries, recovering debt, managing your accounts and/or insurance policies;
undertaking fraud searches. Insurers pass information to fraud prevention agencies and databases including the CUE Register and where appropriate the Motor Insurance anti-Fraud
and Theft Register by MIB. This helps insurers check information and prevent fraudulent claims. When we deal with your request for insurance we may search these registers.
Compliance with legal obligations and responsibilities, including:
Claims management – In the event of a claim we may need to disclose information with any other party involved in that claim, e.g. third parties involved in the incident,
their insurer, solicitor or representative and medical teams, the police or other investigators. We also may have to investigate your claims and conviction history;
Complaints management – If you make a complaint about the service we have provided, we may be obliged to forward details about your complaint, including your Personal Information, to the relevant ombudsman.
Compliance with legal obligations and responsibilities, including:
Information about your insurance policy will be added to the MID managed by the MIB. MID and the data stored on it may be used by certain statutory and/or authorised bodies including the police,
the DVLA, the DVA, the Insurance Fraud Bureau and other bodies permitted by law. This information may be used for purposes permitted by law, which include:
- Electronic Licensing;
- Continuous insurance enforcement;
- Law enforcement (prevention, detection, apprehension and/or prosecution of offenders);
- The provision of government services and/or other services aimed at reducing the level and incidence of uninsured driving.
If you are involved in a road traffic accident (either in the UK, the European Economic Area or certain other territories), insurers and/or the MIB may search the MID to obtain relevant information.
Individuals who may be citizens of other countries or their appointed representatives making a claim in respect of a road traffic accident may also obtain relevant information which is held on the MID.
It is vital that the MID holds your current registration number. If it is incorrectly shown on the MID you are at risk of having your vehicle seized by the police and/or a fixed penalty notice.
You can check that your current registration number details are shown on the MID at www.askmid.com.
How your Personal Information will be processed
- Information which is supplied to fraud prevention agencies and databases, e.g. MIB and MID can include details like your name, address and date of birth.
- Your data may be supplied to databases in order to facilitate automatic no claim discount validation checks.
- Your data may be transferred to any country, including countries outside of the UK and European Economic Area, for any of the purposes mentioned above.
Under your policy you must tell us about any incident (e.g. 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 fraud prevention agencies and databases, e.g. MIB.
You can ask for more information about this. If you require such information, please contact us.
How we use your Driving Licence Number
We collect your Driving License Number (DNL) for insurance underwriting purposes, i.e. to examine the potential risk in relation to your
(and/or a third party’s) prospective policy so that we can:
Provide your (or any person included on the proposal) DLN to the DVLA to confirm your (or the relevant person included on the proposal) licence status,
entitlement and relevant restriction information and endorsement/conviction data. Searches may be carried out prior to the date of the insurance policy
and at any point throughout the duration of your insurance policy including at the mid-term adjustment and renewal stage. A search of the DLN with the DVLA should
not show a footprint against your (or another relevant person included on the proposal) driving licence;
- Searches may be carried out at point of quote and, if an insurance policy is incepted, if any changes are made mid-term, and at renewal stage.
Please note that if you give us false or inaccurate information it may invalidate your insurance policy/prospective insurance policy or it could affect the amount we pay to settle any claims you make under the policy.
5. Credit Reference Agencies
Where you are purchasing a motor or a home insurance policy, Aviva will carry out assessments to determine whether we can offer you an Aviva credit payment facility
and the below checks will be undertaken. This section does not apply to life insurance policies.
We or our agents may:
- undertake checks against publicly available information (e.g. electoral roll, county court judgments, bankruptcy orders or repossession(s)). Similar checks may be made when assessing claims; and
- carry out a quotation search from a credit reference agency. We do this so that we are able to offer monthly credit payment options.
We use data from a credit reference agency to verify your identity, prevent fraud and carry out risk profiling which allows us to calculate your premium and payment options.
We may need to obtain information relating to you at quotation, renewal and in certain circumstances where policy amendments are requested.
The credit reference agency we use for these searches is TransUnion.
As part of our regulatory obligations, before we can enter into a credit agreement, we must carry out an affordability assessment. This means that before we offer you your payment options,
we will obtain an affordability report from a credit reference agency which will include an over-indebtedness score and the underlying data used to calculate this figure. The credit reference
agency calculates your over-indebtedness score using information it holds about you about your existing credit commitments and modelled information relating to income and living expenses.
We will use your over-indebtedness score to help assess whether additional credit could cause you financial harm. We will do this when you request a quote and at renewal so that we know whether
we can offer you a monthly credit payment option or not. The credit reference agency we use for this search is TransUnion (previously Experian).
The quotation and affordability searches will appear on your credit report and will be visible to other credit providers. It will be clear it is part of a quote and not a
credit application by you. Where you agree to pay monthly under an Aviva credit agreement, the status of your quote and affordability search from credit reference agencies
will be updated to reflect your credit application and this will be visible to other credit providers. The credit reference agency may keep a record of this search.
In order to assess your application we will supply your Personal Information to credit reference agencies and they will give us information about you, such as about your financial history.
We do this to assess creditworthiness, affordability and product suitability, check your identity, manage your account, trace and recover debts and prevent criminal activity.
We will also continue to exchange information about you with credit reference agencies on an ongoing basis, including about your settled accounts and any debts not fully repaid on time.
Credit reference agencies will share your information with other organisations. Your Personal Information will also be linked to the data of your spouse, any joint applicants or other financial associates.
Information about the credit reference agencies we use and the ways in which they use and share Personal Information,
are explained in more detail at www.transunion.co.uk/crain.
6. Automated Decision Making
We use automated processes to make decisions. These automated processes use data provided by you, other records we hold about you in our systems and data sourced from third parties to make predictions,
including the likelihood that a claim will be made and its value, the likelihood a product will be purchased and the likelihood that a claim might be fraudulent. This helps us to determine eligibility
for a policy, the terms of the policy, the price, and whether we can provide you with a monthly credit payment option.
Home and Motor Insurance:
For example, in order to provide you with a price for your home or motor insurance policy, the following steps are taken:
- You provide us with data: The first step is that you tell us who you are and what you are looking to have insured, e.g. the vehicle you drive or details about your property.
We enrich the data you have provided: Once you have provided us with data, we carry out checks to validate this data (e.g. confirming your identity) and enrich it with data from third party sources.
Information on the third party data sources we use is set out above in Types of Personal Information collected. For example, for motor insurance we use the vehicle registration number you provided to source
additional information on the car you drive from the DVLA.
We calculate your insurance risk: We use statistical modelling techniques to assess the data in order to predict the likelihood that a claim will be made and the likely severity of a claim.
This assessment is based on various factors including information about the area you live in such as the likelihood of crime. For example, if you live in an area with high crime this may lead to a higher premium.
All insurers will use different weightings to price insurance and this is confidential to each insurer.
Provision of the final price: Once we have a view of your insurance risk we can provide you with a final price, which will include any commission payments and insurance premium tax.
For example, an automated decision in relation to the price of your life insurance policy is based on various factors, including the health outcomes in the area you live and any
existing medical conditions and your answers to lifestyle questions, e.g. whether you smoke and your family medical history. If you have pre-existing conditions and are a heavy smoker,
your premium will be higher than if you have no pre-existing conditions and are a non-smoker. In some scenarios for life insurance, we may also use an automated underwriting engine to
process health and criminal data provided as part of our process for sampling policies after they have been taken out. We do this to check that the price of your cover and terms of your
policy are correct, and if you are selected for this process we will contact you to make this clear to you.
Your personalised price may be presented to you in suitable marketing communications, including those sent from price comparison websites or third party partners with whom you have a relationship.
We also make automated decisions throughout the life of your policy, e.g. before offering you a renewal or when dealing with a claim.
Where we make an automated decision using Personal Information which has a legal or substantially similar effect, you have certain rights in relation to that decision. In particular, you have the right to receive meaningful information about the logic involved in relation to the decision,
the right to human intervention and the right to obtain an explanation of the decision and challenge it. For more information about this right and how to exercise it please see Data Rights.
7. Profiling and Data Analysis
We use profiling and other data analysis to build, train and audit our insurance models and algorithms (including those used in our
Automated Decision Making and our machine-learning tools. The models, algorithms and tools we use help us do a number of things including:
understanding our customers and potential customers better, e.g. how they feel about Aviva, what kind of content or products would be of most use and interest to them,
whether they might be displaying characteristics meaning that they may require additional support from us; and
predicting the likelihood of events arising to assess insurance risk, the likelihood a product will be purchased or to predict if a claim might be fraudulent.
there are no legal restrictions on using the data under data protection laws, the Equality Act 2010 or under FCA rules and we consider whether use of the data might cause
outcomes that are unfairly or unlawfully biased. We then use statistical modelling techniques to assess the data to ensure that the data tells us something meaningful.
From time to time, we may share your Personal Information with third parties who provide us with new data which we will test to understand if such new data provides additional understanding.
We may also use profiling and data analysis for other reasons, e.g.to ensure data quality and accuracy and to help us improve our business.
The purpose of this analysis is not to make decisions about you directly, but your Personal Information, in combination with Personal Information relating to other
customers, potential customers and/or data provided by third parties, will be used to conduct data analysis so that we can improve our processes, our products and services and check the way our models,
algorithms and machine-learning tools work. The Personal Information you submitted to obtain a quote from us may be used for this analysis whether or not you decided to purchase the product.
Where possible, we pseudonymise the Personal Information in order to perform this analysis. This means that we remove information from which you can be directly identified,
e.g. your name, and replace it with a pseudonym or unique identifier. We do this to maximise the security of your information.
We also use profiling in relation to marketing. For further information please see Marketing.
to meet legal, regulatory, tax or accounting needs. For example, we are required to retain an accurate record of your dealings with us, so we can respond to any complaints or
challenges you or others might raise later. We’ll also retain files if we reasonably believe there is a prospect of litigation. The specific retention period for your Personal
Information will depend on your relationship with us and the reasons we hold your Personal Information.
To support us in managing how long we hold your data and our record management, we maintain a data retention policy which includes clear guidelines on data retention and deletion.
If you would like more information about our data retention policy, please contact us.
9. International Data Transfers
Sometimes we, or third parties acting on our behalf, may need to transfer Personal Information outside of the UK. We’ll always take steps to ensure that any transfer of Personal Information
outside the UK is carefully managed to protect your privacy rights and ensure that adequate safeguards are in place. This might include transfers to countries that the UK considers
will provide adequate levels of data protection for your Personal Information (such as countries in the European Economic Area) or putting contractual obligations in place with the
party we are sending information to. Transfers within the Aviva group will be covered by an agreement entered into by members of the Aviva group (an intra-group agreement) which
contractually obliges each group company to ensure that your Personal Information receives an adequate and consistent level of protection wherever it is transferred within the group.
For more information about data transfers and the safeguards we have put in place, please contact us.
We may use Personal Information to send you direct marketing communications about our products and services that we feel you’ll be interested in.
This may include marketing relating to products offered by other brands or companies within the Aviva group as well as communications about promotions and prize draws.
Marketing communications may be sent by email, post, SMS, telephone and push notification. You may also see display advertising on websites, mobile applications, social media,
television or in online search results.
You have control over our use of your Personal Information in relation to marketing communications. You can:
‘Opt out’ of receiving direct marketing. When you register with us, request an online quote, or purchase a product or service you will be given the opportunity to opt out.
In addition, our email, post, SMS and telephone marketing communications include information to help you manage your marketing preferences;
Change your marketing preferences at any time by e-mailing us at email@example.com or writing to us at Aviva, Freepost, Mailing Exclusion Team, Unit 5, Wanlip Road Ind Est, Syston, Leicester, LE7 1PD. If you are registered for My Account you can change your marketing preferences at any time from within your account.
Please note that opting out of one type of marketing, e.g. by email or telephone, doesn’t mean you will be opted out of all marketing. Bear this in mind when you manage your preferences.
You can always contact us directly if you would like us to stop all forms of direct marketing.
We try to limit marketing and only send you offers and promotions that you might be interested in, based on Personal Information we have about you and profiling that we have
carried out (further details can be found under the sub-heading ‘Marketing profiles’ below).
Please remember that if you opt out of receiving marketing, we will still send you communications relating to your products. If you choose to opt out of tailored offers and advertising,
you may still see generic advertising displayed online and in My Account, it just might not be as relevant to you.
Cookies and similar technologies
We rely on third-party advertising technology (such as the deployment of cookies or small text files on our website or pixels within emails) to collect information about you.
This technology is used to optimise what you may see on our websites and deliver content when you are browsing elsewhere. We may also collect information about your use of other websites.
We do this to provide you with advertising that we believe may be relevant for you, as well as to improve our own products and services.
Social media and online platforms
We share Personal Information with media agencies and social media and other online platforms to help us target our online marketing. Social media and other online platforms may also use
Personal Information they hold and combine it with Personal Information received from us to create target audiences. These are audiences that we think would be interested in our online advertising.
This may involve social media and other online platforms building a ‘lookalike’ profile of the type of person we are trying to target and providing specific adverts to those people when they browse
the internet or use social media.
If we use or share Personal Information with third parties in order to send you direct marketing, we will respect the marketing preferences you have set. We recommend you routinely review
the privacy notices and preference settings that are available to you in My Account and any online platforms and smart devices you use as they will dictate how adverts and other messages
are displayed and shared across those platforms.
We use automated processes to help us provide more personalised marketing of our products. To do this, our automated process creates a marketing profile for you using information such as:
- identification data;
- behavioural data (e.g. data relating to your use of our website);
- your gender and age;
- contact data;
- status data (e.g. number of children in household);
- product related data (e.g. policy identifiers);
- device and vehicle-related data.
Our process analyses this data to determine the most relevant products, services, offers or benefits to offer you and to decide the appropriate time and channel for offering them to you.
Information obtained in relation to one product may be used in relation to marketing other products from the Aviva group.
Promotions and prize draws
We occasionally run promotions and prize draws for our customers and third parties. Our communications to you about these promotions before you enter them are marketing. If you opt out of receiving direct marketing, you will not receive communications about promotions and prize draws.
We may use your Personal Information to select you as a winner, inform you of promotion outcomes and send prizes to your nominated address. We may use third party fulfilment partners to assist us in administering promotions, including contacting you on our behalf. In accordance with the rules of the Advertising Standards Authority, we may publish or make publicly available information that indicates that a valid award has taken place. If we do this, only your surname, country and, if applicable, your winning entry, will be published. You have the right to object to this use of your Personal Information.
11. Data Rights
You have legal rights under data protection laws in relation to your Personal Information. Read below to learn more about each right you may have.
We may ask you for proof of identity when you make a request to exercise any of these rights. We do this to ensure we only disclose information to the right individual.
We aim to respond to all valid requests within one month. It may take us longer if the request is particularly complicated or you have made several requests.
We’ll always let you know if we think a response will take longer than one month. We may also ask you to provide more detail about what you want to receive or are concerned about.
We may not always be able to do what you have asked. This is because your rights will not always apply, e.g. if it would impact the duty of confidentiality we owe to others,
or if the law allows us to deal with the request in a different way. We will always explain to you how we are dealing with your request. In some circumstances
(such as the right to erasure or withdrawal of consent), exercising a right might mean that we can no longer provide our product to you.
For further information about or to exercise any of your rights, please contact us.
Your rights are as follows:
Access to your Personal Information
You may ask us for a copy of your Personal Information together with specified details about how we use your information. This is commonly known as a ‘subject access request’.
If you wish to make a subject access request, please fill out this form
or write to us using the details in the Contacting Us section.
If your request is made electronically, we will, where possible, respond to you electronically. Otherwise, we will normally respond in writing unless you request otherwise.
Rectification of your Personal Information
We do our best to ensure that your Personal Information is accurate and kept up to date. If you believe your information is inaccurate or incomplete,
then please contact us to request that we amend or update it.
Erasing your Personal Information
You may ask us to erase your Personal Information, but this right only applies in certain circumstances, e.g. where:
- it is no longer necessary for us to use your Personal Information for the original purpose;
- our lawful basis for using your Personal Information is consent and you withdraw your consent; or
- our lawful basis is legitimate interests and there is no overriding legitimate interest to continue using your Personal Information if you object.
This isn’t an absolute right and we have to balance your request against other factors such as legal or regulatory requirements, which may mean we cannot erase your Personal Information.
Restricting processing of your Personal Information
You may ask us to stop using your Personal Information in certain circumstances such as:
- where you have contacted us about the accuracy of your Personal Information and we are checking the accuracy;
- if you have objected to your Personal Information being used based on legitimate interests.
This isn’t an absolute right and we may not be able to comply with your request.
In some cases, you can ask us to transfer Personal Information that you have provided to us to another third party of your choice. This right only applies where:
- we have justified our use of your Personal Information based on your consent or the performance of a contract with you; and
- our use of your Personal Information is by electronic means.
Right to object
You can object if you no longer wish to receive direct marketing from us. Please see Marketing for further information.
You may also object where you have grounds relating to your particular situation and the lawful basis we rely on for using your Personal Information
is our (or a third party's) legitimate interests. However, we may continue to use your Personal Information where there are compelling legitimate grounds to do so.
Automated decision making and profiling
You have the right not to be subject to a decision using your Personal Information which is based solely on automated processing (without human involvement) where that decision produces a
legal effect or otherwise significantly affects you. This right does not apply if the decision is:
- necessary for the purposes of a contract between us and you;
- authorised by law (e.g. to prevent fraud); or
- based on your explicit consent.
You do however have a right to request human intervention, express your view and challenge the decision.
In some circumstances we ask for your consent to use your Personal Information. You are free to withdraw your consent at any time.
If it is the case that we need your consent to provide you with a particular product and you wish to withdraw your consent,
we may no longer be able to provide our product to you. Where that is the case, we will inform you before taking any action.
Write to: The Data Protection Team, Aviva, PO Box 7684, Pitheavlis, Perth PH2 1JR
Email us: DATAPRT@aviva.com
If you'd like to submit a subject access request, please fill out this form
or write to us at the above address.
If you’re not happy with the way we’re handling your Personal Information, you have a right to make a complaint with your local data protection supervisory authority at any time.
In the UK this is the Information Commissioner's Office (ICO). We ask that you please attempt to resolve any issues with us before contacting the ICO.
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