Your Privacy and Security
NCI Insurance Services Ltd (NCI) is authorised and regulated by the Financial Conduct Authority (number 429567).
Information that you provide to us about you or anyone who has given you their consent to use their personal data (for example named drivers), will be held and processed in accordance with the Data Protection Act 1998. So that we or your insurer can or otherwise carry out our (or their) obligations in relation to any insurance policy you have bought from us, we need to collect and process personal information about you.
We will also ask you for information defined as sensitive under The Data Protection Act 1988. This can include medical information, unspent convictions and accidents. We need to disclose such information to the underwriters of the insurance policies available through this website so that they can decide whether to offer you insurance or not, and if so on what terms.
Policy information (Motor insurance policies only)
Your policy details will be added to the Motor Insurance Database (MID), run by the Motor Insurers’ Information Centre (MIIC). MID data may be used by the DVLA and DVLNI for the purpose of Electronic Vehicle Licensing and by the Police for the purposes of establishing whether a driver’s use of the vehicle is likely to be covered by a motor insurance policy and/or for preventing and detecting crime. 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 obtain relevant policy information. Persons pursuing a claim in respect of a road traffic accident (including citizens of other countries) may also obtain relevant information which is held on the MID. You can find out more about this from us, or at www.miic.org.uk.
Insurers pass information to the Claims and Underwriting Exchange Register, run by Insurance Database Services Ltd (IDS Ltd) and the Motor Insurance Anti-Fraud and Theft Register run by the Association of British Insurers (ABI). The aim is to help us to check information provided and also to prevent fraudulent claims. Under the conditions of your policy, you must tell us about any incident (such as 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 registers. 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).
Data transfer outside the EEA
Your personal information may be transmitted to, and stored in, countries outside the EEA (for example in the case of an insurer’s data centre sited abroad). Although the Data Protection Act does not apply in these countries (which in some cases may have weaker laws protecting the privacy of data) we will take all necessary steps to protect the privacy of your personal data.
If you do not want us to use the information relating to you for marketing purposes, please contact us by writing to: The Data Protection Officer, NCI Insurance Services Ltd, 4th Floor, Clarendon House, Victoria Avenue, Harrogate HG1 1JD, or by emailing [email protected]. If we receive such written notification, neither we nor our associate offices or companies nor any of the insurers whose policies are available through this website will use personally identifiable information relating to you for marketing purposes.
Information placed on your computer (“cookies”)
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 website and ensures that you do not need to re-enter your details every time you visit it. If you would prefer we did not collect data by this method you can disable this function within your browser settings. Please be aware, however, that without cookies you may not be able to access the full functionality of our site.
What are Cookies?
A cookie is a piece of information in the form of a small text file placed on internet user’s computing device. Cookies are created and used by websites to allow website functions to operate, such as recalling your preferences, and to allow the monitoring of the website usage which helps us improve the user experience on the website. Persistent cookies – these cookies remain on a user’s device for the period of time specified in the cookie. They are activated each time that the user visits the website that created that particular cookie. Session cookies – these cookies allow website operators to link the actions of a user during a browser session. A browser session starts when a user opens the browser window and finishes when they close the browser window. Session cookies are created temporarily. Once you close the browser, all session cookies are deleted.
Cookies used on the Website
Strictly necessary cookies
These cookies enable services you have specifically asked for. For those types of cookies that are strictly necessary, no consent is required. These cookies are essential in order to enable you to move around the Website and use its features, such as accessing secure areas of the Website. Without these cookies services like shopping baskets or e-billing, cannot be provided.
These cookies collect anonymous information on the pages visited. They provide information about how visitors use the Website, which pages visitors go to most often, and if they get error messages from web pages. These cookies don’t collect information that identifies a visitor. All information collected is aggregated and therefore anonymous. It is only used to improve how the Website works.
These cookies remember choices you make to improve your experience. These cookies allow the Website to remember choices you make (such as your user name, language or the region you are in) and provide enhanced, more personal features. These cookies can also be used to remember changes you have made to text size, fonts and other parts of web pages that you can customise. The information these cookies collect may be anonymised and they cannot track your browsing activity on other websites.
Targeting or advertising cookies
These cookies collect information about your browsing habits in order to make advertising relevant to you and your interests. They are also used to limit the number of times you see an advertisement as well as help measure the effectiveness of the advertising campaign. They remember that you have visited a website and this information is shared with other organisations such as advertisers. Quite often targeting or advertising cookies will be linked to site functionality provided by the other organisation.
Behavioural advertising and online privacy
A guide to behavioural advertising and online privacy has been produced by the internet advertising industry which can be found at www.youronlinechoices.eu.
Using browser settings to manage cookies
Information collected from your computer
The only information we automatically collect from your computer is that related to the use of our website. This information is anonymous and is gathered through our web servers’ log files. These log files record generic information, such as the number of visits our web site receives, the types of browsers used and the number of files downloaded, but never personal information. This log file information allows us to create better content aimed at our viewer’s preferences but cannot be used to identify you personally.
Monitoring of communications
Telephone calls and any electronic communications between us (for example email) may be recorded and monitored.
We use 128 bit encryption, firewalls and secure socket layer (SSL) technology to safeguard your personal data such as your address and credit card details from unauthorised access and improper use.
Your questions, comments and enquiries
We welcome questions and comments regarding this policy so feel free to contact us by email or by writing to: Customer Services, NCI Insurance Services Ltd, 4th Floor, Clarendon House, Victoria Avenue, Harrogate HG1 1JD.
Subject Access Requests
You are entitled by law to see what information about you we are holding. You should apply in writing to the Data Protection Officer at NCI Insurance Services Ltd, 4th Floor, Clarendon House, Victoria Avenue, Harrogate HG1 1JD. A fee of £10 will be charged.
Because technologies on the Internet change so quickly, we reserve the right to modify this Privacy & Security Policy Statement from time to time.