How we use your data
How will we use the information about you?
We collect information about you to send you a quote, process your order (such as your name, postal address and e-mail address, financial information (for example, account or credit card details), vehicle and driving related data, includes driving licence status, entitlement and restrictions or endorsements, driving convictions, vehicle details including registration number and MOT details (to help insurers check information to prevent fraud and reduce incidences of negligent misrepresentation and non-disclosure), and demographic/profile information (for instance, your postcode and age), to manage your account, and if you agree, to contact you by email, via social media, SMS, post or telephone, about other products and services we think may be of interest to you.
We use your information collected from the website to personalise your repeat visits to our website. If you agree we shall share your personal information within Ripe Group to offer you additional products and services.
We shall use your personal information for: a) performing the services which you have requested; b) for delivering any prizes or discounts which you may be entitled to through promotions or competitions run by us or our partners; c) for any regulatory or legal purposes imposed on us (for instance for reporting to the Financial Conduct Authority); d) for informing you about other services and products provided by us or our partners which may be of interest to you (where you have provided your consent); and e) for any other legitimate interest of ours such as for carrying out credit checks, preventing fraud, maintaining adequate records or for the recovery of unpaid debts.
You have the right at any time to stop us from contacting you for marketing purposes or giving your information to companies outside of the Ripe Group. If you no longer wish to be contacted for marketing purposes, please e-mail dataprotection@ripeinsurance.co.uk.
Some or all of the information you supply to us in connection with your insurance proposal may be passed to third parties including: a) insurance and other companies for underwriting, claims and premium collection purposes; b) service providers (such as our partners in order to redeem any promotional offers or for us to run a promotion); c) credit reference agencies; d) other sub-contractors who may assist us in providing the services requested from you; and e) to our partners for marketing purposes (where you have provided your consent). Where a partner processes your information for their own purposes (for instance when redeeming a promotional offer) you should refer to such partner’s own privacy policy.
In processing your order, we may send your details to, and use information from credit reference agencies, fraud prevention agencies and other companies or agencies for use in credit decisions and risk profiling you apply to us for insurance, we will also pass your details to the insurer. Information provided by you may be put onto a register of claims and shared with other insurers to prevent fraudulent claims.
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;
- Third parties who provide you with services relating to your product such as roadside assistance providers;
- Third parties who provide us, or your insurer relevant to your product or claim, with services such as but not limited to loss adjusters, claims handlers, legal advisers, assistance providers, and experts;
- Third parties involved in your product or claim, such as but not limited to claimants, defendants and witnesses to an incident;
- 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 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 Standards Agency (DVSA), the Department for Work and Pensions (DWP), Companies House;
- Regulators who regulate how we operate including the Financial Conduct Authority (FCA), Information Commissioner’s Office (ICO) and the Financial Ombudsman Service (FOS);
- Insurance industry bodies, including the Association of British Insurers and the MIB;
- Third parties that provide services in relation to your policy or claim, including checking no claims discounts;
- Other third party suppliers including, auditors, legal advisers and other professional service firms and sanctions checking service providers;
- Data suppliers, such as but not limited to Equifax and LexisNexis;
- Publicly available sources including HM Land Registry, the Office for National Statistics (such as but not limited to 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 (such as but not limited to Twitter, Facebook and Instagram);
- Providers of marketing and advertising services;
- Third parties in connection with any acquisition of a business by us
Where you provide your (or any person included on the proposal) Driving Licence Number ("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.
Where we search your (or any person included on the proposal) 'No Claims Discount' details against a No Claims Discount database ("NCD") to obtain information in relation to your 'No Claims Discount' entitlement, such searches may be carried out against your name, date of birth, gender, Vehicle Registration Mark and or address/postcode.
We will pass details of your 'No Claims Discount' to certain organisations to be recorded on a NCD database. This will occur if information requires updating or correcting at any stage, and also at the renewal stage of your policy and upon or after the cancellation of your policy prior to the expiry date.
Searches may be carried out at point of quote or point of sale and if an insurance policy is incepted during the term of your policy and renewal stage.
For details relating to information held about you by the Driver and Vehicle Licensing Agency ("DVLA") please visit www.dvla.gov.uk.
Wherever possible we will not transfer your information to countries outside of the European Economic Area (EEA), but we will use a UK Service Partner to process specific insurance registration forms. They will use their internal resource outside located outside of the EEA to complete this service, but your information will remain in the UK and activity will be completed through remote log-in. Where we do transfer your information outside of the EEA we shall put in place suitable safeguards to ensure the protection of your information.
Automated Decision Making
We will look to automate decisions within our processes where it is possible, and you will have the right to the reasoning behind any decisions taken by these automated means (such as but not limited to the result of declarations made during any online application). Where you do not wish us to take any automated decisions using your personal information, you must contact us at dataprotection@ripeinsurance.co.uk, or write to us at: Data Protection Administration, Ripe Thinking Limited, The Royals, Altrincham Road Manchester M22 4BJ.
Marketing
We would like to send you information about our product and services, carefully selected partners and other companies in our group, which may be of interest to you and where you have consented to receive marketing.
You have right at any time to stop us from contacting you for marketing purposes or sharing your information with other members of the group or partners. If you no longer wish to be contacted for marketing purposes from the Ripe Group, please contact Ripe Thinking Limited at dataprotection@ripeinsurance.co.uk, or write to us at: Data Protection Administration, Ripe Thinking Limited, The Royals, Altrincham Road Manchester M22 4BJ.
Unless we hear from you otherwise, we shall keep you informed of any promotions, discounts or other products and services from the Ripe Group that we may think may be of interest to you for up to 36 months from your last interaction with the Ripe Group. Following such period, we shall assume that you are no longer interested in such promotions, discounts or other products and services.
To stop receiving contact about one of our products or from a partner, you must contact each partner directly.
Access to your information and correction
You have the right to request a copy of the information that we hold about you. If you would like a copy of some or all your personal information, please email us at dataprotection@ripeinsurance.co.uk, or write to us at: Data Protection Administration, Ripe Thinking Limited, The Royals, Altrincham Road Manchester M22 4BJ.
We want to make sure that your personal information is accurate and up to date. You may ask us to correct or remove information you think is inaccurate.
How long we will keep the information for Your information will be kept for no longer than is necessary for the purposes for which the personal information is processed. In doing so we may retain such information for a reasonable time to prevent fraudulent activities, for our own reporting regulatory requirements and to protect ourselves in the event of any legal claims and complaints.
Social plugins
The Website contains social plugins from social media platforms such as Facebook and Twitter. If you visit a website containing such a plugin, your browser can establish a direct connection with the servers of those social media platforms and transmit information about your surfing behaviour to their servers (such as but not limited to even if you do not click the “Like” button). If you are logged into one of the social media sites, the social media platform can assign the visit to your social media account. The Ripe Group has no influence on the type and scope of the information collected and transmitted but may receive information through such channels and you may receive marketing from us via such social media platforms as a result of your browsing habits.
Cookies
Please refer to our Cookie Policy for further information. If you prefer not to have cookies stored on your computer, you may change your browser settings to either refuse all cookies, or to ask you if you wish to accept a cookie each time a website tries to store one. If cookies are blocked, you may not be able to use all functions of this Website.
Contacting Us
If you have any queries about this website we can be contacted by:
Email: enquiries@ripeinsurance.co.uk
Post: Ripe Thinking Limited, The Royals, Altrincham Rd, Manchester M22 4BJ
How to report a concern
If you have a concern about how your information is being used and our data practices, we ask that you contact Ripe Thinking Limited at dataprotection@ripeinsurance.co.uk , or write to us at: Data Protection Administration, Ripe Thinking Limited, The Royals, Altrincham Road Manchester M22 4BJ.
