Who we are
Look After My Car is operated by us, Premia Solutions Limited. We are a company registered in England and Wales (company number 04088720).
For the purpose of the data protection legislation, we are a data “controller". This policy tells you how we use your personal data and how to contact us if you have any questions about how we use personal data.
Collection of information
We initially collect your key contact and vehicle leasing information from the broker you ordered your vehicle from. Our legal basis for collecting that information will depend on your broker. That transfer of personal data is either undertaken with your explicit consent, or to pursue the legitimate interests of ensuring that you receive offers for a range of insurance products and complementary services designed to protect you and your vehicle.
We also collect information about you during your use of this website. The type of information we collect includes: -
your name and address;
your phone number and e-mail address;
your credit or debit card details if you are purchasing our goods online by credit or debit card;
your bank details, if you arrange to pay by direct debit; and
information we require to allow us to identify the right product for you, to complete the sale of that product and provide you with appropriate cover.
Website activity and usage analytics
Use of information
We will use this information for the following purposes: -
to process any request for advice or information;
to carry out our obligations arising from any contracts entered into between you and us;
(our legal basis for these activities above is necessity for the performance of our contract with you)
to comply with our statutory and regulatory obligations;
(our legal basis for this activity above is necessity to comply with a legal obligation)
to ensure that content from our site is presented in the most effective manner for you and for your computer;
to contact you and gather feedback on your experience and that of any third-party service provider you engage with through the platform;
(our legal basis for these activities above is necessity for the purposes of legitimate interests – described above – that we are pursuing, having taken into account your interests, rights and freedoms as a “data subject”)
to provide you with information, products or services that you request from us or which we feel may interest you, where you have consented to be contacted for such purposes
(our legal basis for this activity above is your consent)
You can contact us at any time should you no longer want to receive marketing communications by e-mailing email@example.com.
Please note, even if you opt out of marketing communications we may need to send other forms of documentation to you to ensure we can fulfil our contractual obligations with you.
Sharing of information
To ensure that we can fulfil our contractual obligations to you, your personal data may be shared with a number of third parties. The third parties with whom we may send your data will depend upon the product/service you have purchased. These are set out below:
Insurers and agents of the insurers
Your selling dealer who you purchased your vehicle and insurance policy from.
Credit Card and Bank payment providers
Data Processing Agencies
Customer Review Platforms
Regulators i.e. Financial Conduct Authority
Third parties may use your details in different means and you should seek clarification from these companies directly should you have any queries about how these third parties may use your personal data. If we sell or buy any business or assets we may disclose your information to the buyer or seller of the assets. If we or substantially all of our assets are acquired by a third party, your information will be one of the assets transferred. We will not pass your information on to anyone else unless allowed or required by law.
Storage and security
All information you provide to us is stored on our secure servers.
Any payment transactions will be encrypted using SSL technology. We have appointed an agent to collect any credit card payments for our goods from you on our behalf. All credit card transactions conducted from this website are carried out over a secure link for your security. By transmitting your credit card details, you agree to our agent using your details for the purposes of:-
authorising your credit card;
debiting your credit card account for such of our goods you buy; and
advising us that payment has been made.
Where we have given you (or where you have chosen) a password which enables you to access certain parts of our site, you are responsible for keeping this password confidential. We ask you not to share a password with anyone.
The transmission of information via the Internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our site; any transmission is at your own risk. Once we have received your information, we will use procedures and security features to try to prevent unauthorised access.
As part of our responsibilities as General Insurance providers, we must retain archive records for 10 years. Any lapsed or cancelled policies settled claims and accounts must be kept for up to 12 years depending upon policy duration. We will retain your personal data to the extent necessary to meet these requirements. Data is only retained where necessary and will not be kept longer than is strictly required.
Your duty to inform us of changes
It is important that the personal information we hold about you is accurate and current. Please keep us informed if your personal information changes during your working relationship with us.
Your rights in connection with personal information
Under certain circumstances, by law you have the right to:
Request access to your personal information (commonly known as a "data subject access request"). This enables you to receive a copy of the personal information we hold about you and to check that we are lawfully processing it.
Request correction of the personal information that we hold about you. This enables you to have any incomplete or inaccurate information we hold about you corrected.
Request erasure of your personal information. This enables you to ask us to delete or remove personal information where there is no good reason for us continuing to process it. The right to erasure is not absolute and only applies in certain circumstances. One of the reasons when it does not apply is when a firm needs to comply with a legal obligation which, as a regulated firm, we do. Please refer to Section 5 for our policy on how long we keep personal data after a policy ceases to be in force. You also have the right to ask us to delete or remove your personal information where you have exercised your right to object to processing (see below).
Object to processing of your personal information where we are relying on a legitimate interest (or those of a third party) and there is something about your particular situation which makes you want to object to processing on this ground. You also have the right to object where we are processing your personal information for direct marketing purposes.
Request the restriction of processing of your personal information. This enables you to ask us to suspend the processing of personal information about you, for example if you want us to establish its accuracy or the reason for processing it.
Request the transfer of your personal information to another party.
If you want to review, verify, correct or request erasure of your personal information, object to the processing of your personal data, or request that we transfer a copy of your personal information to another party, please contact firstname.lastname@example.org.
No fee usually required
You will not have to pay a fee to access your personal information (or to exercise any of the other rights). However, we may charge a reasonable fee if your request for access is clearly unfounded or excessive. Alternatively, we may refuse to comply with the request in such circumstances.
What we may need from you
We may need to request specific information from you to help us confirm your identity and ensure your right to access the information (or to exercise any of your other rights). This is another appropriate security measure to ensure that personal information is not disclosed to any person who has no right to receive it.
Changes to this privacy notice
Any changes to our policy will become effective upon posting of the revised policy on the site. Use of our site, any of our products and services, and/or providing consent to the updated policy following such changes constitutes your acceptance of the revised policy then in effect.
You can write a letter or complete a form online, and we will look to resolve the matter as quickly and fairly as possible.
The Customer Outcome Manager
Premia Solutions Limited
3 Corunna Court
For all complaints relating to the administration or sale of your product of your product, we will write to you within three working days of receipt to acknowledge your complaint within and will aim to send our final response within 25 working days, and certainly no later than eight weeks.
If, after receiving our final response you remain dissatisfied, or eight weeks have passed since you first raised your complaint with us, you have the right to refer the matter to the Financial Ombudsman Service. You have six months from the date of our final response to refer your complaint to them.
Further details about the Financial Ombudsman Service will be provided with our final response letter. You can also visit their website at www.financial-ombudsman.org.uk
A full disputes procedure also exists for complaints relating to the product itself e.g. policy wording or a claim, the details of which are dependent on the underwriter & can be obtained upon request.
You also have the right to make a complaint at any time to the Information Commissioner's Office (ICO), the UK supervisory authority for data protection issues. Further guidance for contacting the ICO can be found at: https://ico.org.uk/concerns