Confused.com takes data protection seriously
We respect the privacy of every individual who visits our site and have developed this policy because we want you to feel confident about the privacy and security of your personal information.
We follow strict security procedures in the storage and disclosure of your information as required by law under the Data Protection Act 1998.
Our security procedures mean that we always require proof of your identity before we will disclose information to you. Proof of identity includes your password, which is why you should never reveal it to anyone.
How we will use your data
In order to provide our services, we need to collect and process personal data about you and disclose this information to a number of third party service providers. This includes collection of any sensitive data as defined within the Data Protection Act 1998, such as medical history or criminal convictions, or additional data collected by us not directly obtained via our website. By using our website, you confirm your explicit consent to such data being processed by ourselves or any third party providers that we may use.
We may use your data to review and analyse market trends and to track sales data, including but not limited to data provided as part of your quotation, information on how you use our website, pages you have viewed and which website you used previously to visit ours. We may also pass this data to third parties for analytical purposes. Where you have come to our website by clicking on a price comparison service button on another site, we will supply information about the quotations you have obtained and any policies you obtain to that site. Unless you tell them otherwise, they may contact you by post, telephone, email or SMS to promote their products and services. If you do not wish to be contacted in this way, you need to let them know by clicking on the ‘unsubscribe’ button on their website.
Certain insurance providers may compare your information against data they, or the company behind the brand they represent or their group of companies, already hold on you from existing products, and share this with the underwriters for the purpose of analysing market trends or to assess membership and transactions against certain loyalty schemes and apply a discount if applicable.
Disclosure of information
- We are legally compelled to do so
- There is a duty to the public to disclose
- Disclosure is required to protect our interest
- Disclosure is made at your request or with your consent
Information about our services
Confused.com may use the information you supply to contact you by telephone, email, SMS or otherwise about products and services which may be of interest to you. Such services could include our newsletter, exclusive offers or renewal reminders/quotations.
If you are not happy for your data to be used in this way, you can unsubscribe in a number of ways, including:
- Manage your settings via ‘My Account’ on the Confused.com website
- Click on the ‘unsubscribe’ link provided on each email we send to you;
- Email email@example.com; or
- Use the ‘Contact Us’ form on the Confused.com website.
Please remember that by opting out, we will not be able to contact you about products or services that may benefit you.
After processing a quote, we may send you a summary of the prices received by either email or SMS. This is part of our automated service and is a condition of use of our website. We may also contact you by phone to assist with your quotation or contact you about any additional services that may be available directly relating to your quote.
If you are subscribed to our renewal reminder service, our systems may re-submit your quote details when your renewal is due (this will be based on the cover start date you entered for your last quote). The quote data will be sent to our panel of insurance providers to calculate and return their quotes, and some providers may carry out credit checks as part of this process. For more information about this, please see below (‘Credit and other searches’). The cheapest quotes returned will be sent to you by email or SMS. If you would like to opt out of this service, please go to the ‘Information about our services’ section above for details on how to unsubscribe.
Credit and other searches
Many insurance and financial services providers operate a credit scoring system and will carry out checks with credit reference agencies, fraud prevention agencies and other public or privately available sources of information. These checks will include electoral roll and credit information.
To ensure insurance 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 may include 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.
Applications you submit for a loan or credit card, however, may affect your credit score so you may wish to keep applications to a minimum to protect your credit rating.
These credit checks are not being carried out because you are using Confused.com, nor are they conducted by Confused.com, but may be processed by any provider at any stage of a quote or purchase process.
Some insurance providers who offer products designed for students or graduates may also undertake additional checks against higher education sources to verify your student or graduate status.
Unsolicited marketing policy
Help with your quotation
Your rights to your personal data
If you want to know what personal information we hold about you, we will provide you with this data. If any information held is inaccurate, we will make the necessary amendments and confirm to you that these have been made. If you wish to make a request under the terms of the Data Protection Act 1998 (DPA), for the personal information we hold about you, please write to us at:
Data Protection Officer
Please enclose two forms of identification displaying your name, address and/or date of birth (please send photocopies) and a cheque for the statutory administration fee of £10.00 made payable to Inspop.com Limited. We are entitled to charge you this fee under the DPA to cover our administration costs.
Inspop.com Limited is a data controller under the DPA in relation to your personal information. The product providers and their appointed representatives and any intermediaries, will also be data controllers in relation to your personal information, and you have the same rights to know what information they hold about you as you do about the information we hold.
Removal of personal information
If you would like us to remove any personal information from our records, then please write to our Data Protection Officer at Confused.com, Greyfriars House, Greyfriars Road, Cardiff, CF10 3AL or email us at firstname.lastname@example.org. We will make all reasonable efforts to delete your information from our files if it is deemed appropriate.
Monitoring or recording of your calls, emails, text messages and other communications may take place in accordance with UK law, and in particular for business purposes such as: quality control and training; processing necessary for the entering into or the performance of a contract; to prevent unauthorised use of our telecommunications systems and web sites and/or services; to ensure effective systems operation; to meet any legal obligation; in your vital interests; in order to prevent or detect crime; and for the purposes of the legitimate interests of the data controller.
From time to time we will employ agents to process your information on our behalf. We may allow such agents, including providers of some of our services, access to your personal information. The same duty of confidentiality and security will apply to our agents. Should you take the decision to 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 Information Commissioner (who regulates data protection law in the UK) and/or the relevant ombudsman in existence at the time. You can be assured that they are similarly obliged to adhere to the Data Protection Act. If we or our business is taken over, your personal information may be passed to the new owners.
At Confused.com we take the issue of fraud seriously. For the protection of our customers and to combat fraud, we will actively monitor the information entered onto our website and pass on intelligence of suspected fraud to other parties including insurance providers or law enforcement agencies. Examples of activity that could be considered fraudulent include deliberately and dishonestly failing to disclose information, or misrepresent any fact which may influence an insurer’s decision to accept the risk or term offered; or deliberately incepting a policy with an intent to make a claim.
You should be aware that insurance providers 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
In addition, insurance providers may use the Motor Insurance Anti-Fraud and Theft Register, run by the Association of British Insurers (ABI), to which the police, the DVLA and DVLNI (Driver & Vehicle Licensing Agencies), as well as other insurers, have access. Some insurers also participate in Insurance Hunter, a data-sharing scheme.
The aim of all of these is to help insurance providers check information provided and also prevent fraudulent claims. When we deal with your request for a quotation, if applicable, the insurance provider or any intermediary or appointed representative may search these registers and databases and any other anti-fraud registers set up by or for the insurance industry to provide such services. Under the conditions of your policy, you must tell us about any incident (such as 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 insurance provider, intermediary or appointed representative.
When you take out a motor insurance policy, including motorbike and van cover, your insurance cover details may also be added to the Motor Insurance Database, run by the Motor Insurers' Information Centre (MIIC). This has been set up to help identify uninsured drivers and may be searched by the Police to assist them in confirming who is insured to drive. If there is an accident the database may be used by insurers, MIIC and the Motor Insurers' Bureau as well as persons making a claim for a road traffic accident, to identify the relevant policy information.
You should also make any other person named on the application aware of the ways in which information on them may be used.
At Confused.com we respect your privacy and therefore we will only use ‘cookies’ where your browser enables us to do so. A cookie is a tiny piece of code, like a tag, which websites can place on your computer when you visit them, and act as a unique identifier that can be used to retrieve your records from databases, and to track your movement within the website.