Privacy

Your privacy is important to us. We want you to understand what we do with your data

Careers with us

Policy Expert (which is a trading name of QMetric Group Limited) is committed to protecting your privacy.

This Privacy Policy explains our data processing practices and your options about the ways your personal data is used when you communicate with us or use our service whether on our website, by telephone, email, social media or in writing.

We reserve the right to change our Privacy Policy from time to time and without notice and encourage you to check regularly for any changes that may have taken place.

Please read this Privacy Policy carefully as once you communicate with us or use our services you will be regarded as having read and accepted this Privacy Policy. You must not engage our services or use our website if you do not accept this Privacy Policy.

If you have any queries or requests concerning your personal information or how we process it, please contact us.

Please note: in this Privacy Policy, “our”, “we” and “us” refer to Policy Expert.


Data protection

QMetric Group Limited is a registered data user under the Data Protection Act. We will treat your personal information as confidential and we will keep it on secure servers to ensure that all personal and transactional information is protected. The data controller of our website is QMetric Group Limited whose office is situated at: 32-38 Dukes Place, London, EC3A 7LP.


The information we collect

Policy Expert collects the details you provide as well as information we learn about you from your use of our service and, if relevant, your visits to our website and other sites accessible from it. We also collect information about the transactions you make. If you take part in any promotions, competitions, give us feedback or complete any profile forms, we may collect additional information. We also monitor customer traffic patterns and site use which helps us to improve the services we provide. We will periodically review your personal information to ensure that we do not keep it for longer than is necessary.


Use of your information and preferences

We may use your personal information for the following purposes:

  • to process a transaction between you and Policy Expert
  • to process a transaction between you and a third party
  • to enable you to access and use our services
  • to personalise aspects of our overall service to you
  • to communicate with you

Communicating with you

Communications regarding your quote and your policy
We may contact you by post, email, SMS or telephone to discuss and confirm transactions between yourself and Policy Expert. From time to time we may also need to communicate important updates regarding your insurance policy.

Marketing communications

We may use your information to send you news and promotions about products and services offered by Policy Expert, which we think may be of interest to you. We do not want to spam our customers with communications and will aim not to send you more than one of these types of communication per month. In order to ensure we are continually improving our products and services, occasionally we may contact you by post, email, SMS or telephone to ask your opinions.

If you do not want to be contacted for marketing purposes please email us at ask@policyexpert.co.uk or telephone us on 0330 0600 600. You may also unsubscribe from ongoing email at any time by following the unsubscribe instructions at the bottom of each email. Please note that due to the advance preparation required for some types of communication, it may take up to 30 days for the communications to cease. For the purposes of staff training and to ensure we offer excellent customer service we may record or monitor calls.


Disclosure of your information

We do not sell, trade or otherwise transfer your personal information to outside parties. This does not include trusted third parties who assist us in operating our website, conducting our business or servicing you, so long as those parties agree to keep this information confidential.

Please be aware that once you use our services, you will be regarded as having given your consent to us disclosing your personal information to the following parties:

  • Carefully selected third party providers for the purpose of obtaining a quotation for you or comparing different products and services as requested by you
  • Other third parties either where necessary for those third parties to provide additional products and services requested by you or with your prior consent
  • Credit referencing and fraud prevention agencies.

You should also be aware that:

  • To help prevent fraudulent claims we and the insurers on our panel may also pass the details you have supplied to recognised centralised insurance industry applications, policy and claims checking systems, for example the Motor Insurance Anti-Fraud and Theft Register, the Claims and Underwriting Exchange (CUE), the UK Fraud Prevention Service (CIFAS) and all DVLA databases
  • To help identify people who are not insured when they have a legal obligation to have insurance in place your insurer may supply details of your insurance to a database which can be accessed by the police and other insurers. This is dependent on the type of insurance you hold
  • If we’re requested by the police or any other regulatory or government authority investigating suspected illegal activities to provide your personal information, we’ll have to do so
  • We may send data in confidence to companies operating outside the European Economic Area for processing
  • Insurers may also obtain publically available information from third parties, for the purpose of identity verification and fraud prevention, including a credit reference agency. Their search will appear on your credit report whether or not your applications proceed but will not impact your credit history. You should be aware that insurers exchange information through various databases to help check information provided and to prevent fraudulent claims. Specifically, Insurance Database Services Limited (IDSL) hosts the Claims and Underwriting Exchange (CUE) which holds a record of incidents reported to insurance companies by policyholders and third party claimants. Insurers may validate the information provided by you, both about yourself and about any other person named on the application, against the information held on CUE and against other databases hosted by IDSL. Insurers may use this information to consider whether to accept the risk. For details relating to information held about you on the Claims and Underwriting Exchange please visit insurancedatabases.co.uk
  • To ensure our insurers and credit providers have the necessary facts to assess your insurance risk, verify your identity, to help prevent fraud and to provide you with their best premium and payment options, they may obtain information from third parties at quotation and renewal and in certain circumstances where policy amendments are requested. This information includes a quotation search from a credit referencing agency. This search will appear on your credit report and will be visible to other credit providers. It will be clear that this is a quotation rather than a credit application by you to pay by monthly instalments. By using our website, you will be regarded as having given your consent to us disclosing your personal information to the Financial Conduct Authority and / or other regulatory / governing bodies for the purposes of compliance monitoring.

Disclosure of your information to other people

Due to data protection we can only speak to you about your information. If you want to authorise someone else to do so, please contact us and let us have their name.


Cookies

How does Policy Expert use cookies?

If you visit the Policy Expert website, we collect information about your online preferences in a “cookie” (a small, unique identifier text file) which is stored on your computer or mobile phone. Policy Expert uses cookies for a number of purposes e.g. to personalise content, provide the mechanisms for online quotes / purchases and to monitor traffic on our website. When visiting our website you may see some cookies created that are not related to Policy Expert. This is because some features on our website use services provided by other companies- websites. Those companies control and are responsible for the creation of those cookies.

Most browsers allow you to set your cookie preferences so that you can decide how you would like to interact with our website: whether to be notified interactively about cookies or to accept or reject all cookies. Since each browser is different you should check the Help menu in your browser to determine how to do this.

Do I need to enable cookies to use the Policy Expert website?

You don’t need to allow your browser to accept cookies in order to view much of our website but if you don’t accept them, you may not be able to buy the online products and services we provide.

What are the Policy Expert cookies?

To see details of all the cookies we use please visit http://www.policyexpert.co.uk/about-us/cookies


Other websites

Our website contains links to other websites which are outside our control and are not covered by this Privacy Policy. If you access other sites using the links provided, the operators of these sites may collect information from you which will be used by them in accordance with their Privacy Policy, which may differ from ours. You must contact them to determine their Privacy Policy.


Access rights

You have the right to access the personal data that’s held about you. To obtain a copy of the personal information Policy Expert holds about you, please write to us:
Head of Customer Relations,
Policy Expert,
352-390 Silbury Court West,
Silbury Boulevard,
Milton Keynes,
MK9 2AF

There is a fee of £10.00 for this service each time you make a request.


Contact us

If you have any questions regarding this Privacy Policy, please contact us using the information below:
Telephone: 0330 0600 600
Email: ask@policyexpert.co.uk
Postal Address:
Policy Expert,
352-390 Silbury Court West,
Silbury Boulevard,
Milton Keynes,
MK9 2AF


Privacy Policy changes

If we decide to change our Privacy Policy, we will update the Privacy Policy page content and last modified date on our website.

This policy was last updated on 9th April 2014.