Privacy Notices

Privacy Policy

Welcome to our website

If you continue to browse and use this website you are agreeing to comply with and be bound by the following terms and conditions of use, which govern Premium Medical Protection Ltd’s relationship with you in relation to this website.

The use of this website is subject to the following terms of use:
The content of the pages of this website is for your general information and use only. It is subject to change without notice.

Neither we nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and materials found or offered on this website for any particular purpose. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.

Your use of any information or materials on this website is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that any products, services or information available through this website meet your specific requirements.

This website contains material which is owned by or licensed to us. This material includes, but is not limited to, the design, layout, look, appearance and graphics. Reproduction is prohibited other than in accordance with the copyright notice, which forms part of these terms and conditions.

All trademarks reproduced in this website, which are not the property of, or licensed to the operator, are acknowledged on the website.

Unauthorised use of this website may give to a claim for damages and/or be a criminal offence.

From time to time this website may also include links to other websites. These links are provided for your convenience to provide further information. They do not signify that we endorse the website(s). We have no responsibility for the content of the linked website(s).

Your use of this website and any dispute arising out of such use of the website is subject to the laws of England and Wales.

Copyright

This website and its content is copyright of “Premium Medical Protection Ltd” – © “Premium Medical Protection Ltd” 2019. All rights reserved.

Any redistribution or reproduction of part or all of the contents in any form is prohibited other than the following:

  • You may print or download to a local hard disk extracts for your personal and non-commercial use only.
    You may copy the content to individual third parties for their personal use, but only if you acknowledge the website as the source of the material.
  • You may not, except with our express written permission, distribute or commercially exploit the content. Nor may you transmit it or store it in any other website or other form of electronic retrieval system.

Cookies

To view our cookie policy please click here 

GDPR Privacy Policy

Privacy Notice (also known as “Fair Processing Notice”)

Data Controller:            PREMIUM MEDICAL PROTECTION LIMITED

25 Athena Court, Athena Drive, CV34 6RT

Contact for queries:     Rob Todd

How we will use the information you give us.

We will only use your information on the basis that it is necessary to administer your insurance contract or help you make a claim. Where we need to pass information to other firms, it will only be for that purpose. These firms will be Insurers, other insurance brokers and firms handling claims. It includes finance providers and firms that process or administer our records.

When we contact you, it will either be for the above reason, or because we have a legitimate interest in marketing related products. For any other marketing it will only be with your consent and you will be able to withdraw your consent or unsubscribe easily at any time.

Your information may be passed to USA under the Privacy Shield arrangement, but only for the above purposes. The law is different but a similar level of protection applies.

If we need to obtain information which is by nature sensitive, we will only do so on the basis that it is in the public interest – for example to fight crime, prevent fraud or to make sure insurance is available.

As an Appointed Representative of Harley Street Insurance Group Limited, all information we process is available to that firm, but only for the above purposes.

What type of personal information do we need?

  • We need personal details which will include details of your insurance, claims, employment, experience, business or education.
  • We will only collect what is necessary and will only keep it for as long as we are required to do in line with our data retention policy. You can ask us for a copy.

What other types of information do we need?

  • Under certain circumstances we may also need to obtain information about Health.
  • We might also need details of criminal convictions.
  • We will only collect what is necessary and protect it with appropriate security measures.

How do we obtain your information?

  • We may gather it from information you submit to a website, by telephone, face to face or by email.
  • We may receive it from insurers, other insurance brokers, and firms handling claims. It includes finance providers and firms that process or store our records.
  • If you obtain an online quotation from us, you will be subject to an automated decision based on the underwriting criteria set by insurers.

What are my legal rights?

  • You have the right to complain to the Information Commissioner at ico.org.uk, Tel 0303 123 11132.
  • You can obtain a copy of your personal information from us without charge by contacting us at the address above. This may include the right to transfer information to other providers.
  • You have the right to ask us to correct information.
  • You have the right to ask us to delete your information or stop using it, unless it is necessary for us to retain it for insurance or financial purposes as set out in our document retention policy.
  • You may have the right to object if decisions about you are made solely by a computer.

 

This Privacy Notice was last updated on 01/05/18

HSIG Privacy Policy

Privacy Notice (also known as “Fair Processing Notice”)

Data Controller:           HARLEY STREET INSURANCE GROUP LIMITED

25 Athena Court, Athena Drive, CV346RT

Contact for queries:    Rob Todd

How we will use your information.

We will only use your information in connection with Premium Medical Protection Limited (PMP), to administer your insurance contract or help you make a claim. Where we need to pass information to other firms, it will only be for that purpose. These firms will be Insurers, other insurance brokers and firms handling claims. It includes finance providers and firms that process or administer our records.

Your information may be passed to USA under the Privacy Shield arrangement, but only for the above purposes. The law is different but a similar level of protection applies.

If we need to process information which is by nature sensitive, we will only do so on the basis that it is in the public interest – for example to fight crime, prevent fraud or to make sure insurance is available.

What type of personal information do we need?

  • We need personal details which will include details of your insurance, claims, employment, experience, business or education.
  • We will only collect what is necessary and will only keep it for as long as we are required to do in line with our data retention policy. You can ask us for a copy.

What other types of information do we need?

  • Under certain circumstances we may also need to obtain information about Health.
  • We might also need details of criminal convictions.
  • We will only process what is necessary and protect it with appropriate security measures.

How do we obtain your information?

  • We gather it from information you provide to PMP, or from you if you make a complaint.
  • We may receive it from insurers, other insurance brokers, and firms handling claims. It includes finance providers and firms that process or store our records.

What are my legal rights?

  • You have the right to complain to the Information Commissioner at ico.org.uk, Tel 0303 123 11132.
  • You can obtain a copy of your personal information from us without charge by contacting us at the address above. This may include the right to transfer information to other providers.
  • You have the right to ask us to correct information.
  • You have the right to ask us to delete your information or stop using it, unless it is necessary for us to retain it for insurance or financial purposes as set out in our document retention policy.
  • You may have the right to object if decisions about you are made solely by a computer.

 

This Privacy Notice was last updated on 02/05/18

BHIIL Short Privacy Notice

 

Who we are

We are Berkshire Hathaway International Insurance Limited, the insurer identified in your contract of insurance.

The basics

We collect and use relevant information about you to provide insurance cover and to meet our legal obligations.

This information includes details such as your name, address and contact details and any other information that we collect about you in connection with the insurance cover from which you benefit. This information may include more sensitive details such as information about your health and any criminal convictions you may have.

Your information may be shared with, and used by, a number of third parties in the insurance sector including brokers, reinsurers, loss adjusters, sub-contractors, regulators, law enforcement agencies, fraud and crime prevention and detection agencies and compulsory insurance databases. We will only disclose your personal information in connection with the insurance cover that we provide and to the extent required or permitted by law.

In certain circumstances, we may need your consent to process certain categories of information about you (including sensitive details such as information about your health and any criminal convictions you may have). Where we need your consent, we will ask you for it separately. You do not have to give your consent and you may withdraw your consent at any time. However, if you do not give your consent, or you withdraw your consent, this may affect our ability to provide the insurance cover from which you benefit and may prevent us from providing cover for you or handling your claims.

Other people’s details you provide to us

Where you provide us or your broker with details about other people, for example employees, you must provide this notice to them.

Your rights

You have rights in relation to the information we hold about you, including the right to access your information held by us. If you wish to exercise your rights, discuss how we use your information, please use the contact details provided on our full Privacy Notice available at the website link below.

Want more details?

For more information about how we use your personal information and your rights please see our full privacy notice, which is available online at the following location:

www.bhiil.com

If you are unable to obtain the notice via our website, please ask your broker to contact us and we will provide the notice to you in a different format.

BHIIL Long Privacy Notice

DATA PRIVACY NOTICE

WHO WE ARE

Your privacy is very important to us.  This privacy notice (“Privacy Notice”) is provided by Berkshire Hathaway International Insurance Limited (“BHIIL”).   References to “we”, “our” and “us” in this Privacy Notice are references to BHIIL.  References to “you” or “your” refers to the individual whose personal data is being processed by BHIIL (you may be the insured, beneficiary, claimant or other person involved in a claim or relevant to the insurance policy).

We are a controller of your personal data under applicable data protection laws including from May 25th 2018 the General Data Protection Regulation (“GDPR”).  We, as a controller determine why and how we collect and process your personal data.

WHAT IS THE PURPOSE OF THIS PRIVACY NOTICE

In order to provide certain insurance products and services, BHIIL may collect information about you which constitutes personal data under the GDPR.  This Privacy Notice explains how we collect, use, share and protect your personal data.  Please read this Privacy Notice carefully to understand what we do with your personal data.

We may change this Privacy Notice from time to time and if we make any material changes then we will make the updated Privacy Notice available on our website at www.bhiil.com and also by other means

  1. PERSONAL DATA WE MAY COLLECT ABOUT YOU.

In order for us to provide insurance quotes, insurance policies, and/or deal with any claims or complaints, we need to collect and process personal data about you.  The types of personal data that are processed may include:

Types of Personal Data Details
Individual details: Name, address (including proof of address), other contact details (e.g. email and telephone numbers), gender, marital status, date and place of birth, nationality, employer, job title and employment history, academic and professional information,  family details, including their relationship to you.
Identification details: Identification numbers issued by government bodies or agencies, including your national insurance number or , passport number, tax identification number and driving licence number
Financial information: Bank account or payment card details, income or other financial information
Risk details: Information about you which we need to collect in order to assess the risk to be insured and provide a quote. This may include data relating to your health, criminal convictions, or other special categories of personal data. For certain types of policy, this could also include telematics data.
Policy information: Information about the quotes you receive and policies you take out
Credit and Anti-Fraud Data: Credit history, credit score, sanctions and criminal offences, and information received from various anti-fraud databases relating to you
Previous and current claims: Information about previous and current claims, (including other unrelated insurances),which mayinclude data relating to your health, criminal convictions, or other special categories of personal data and in some cases, surveillance reports
Special categories of personal data: Certain categories of personal data which have additional protection under the GDPR. The categories are health, criminal convictions, racial or ethnic origin, political opinions, religious or philosophical beliefs, trade union membership, genetic data, biometric, or data concerning sex life or sexual orientation
  1. WHERE WE MIGHT COLLECT YOUR PERSONAL DATA FROM

We might collect your personal data from various sources, including:

  • you;
  • your family members, employer or representative;
  • other insurance market participants;
  • credit reference agencies;
  • anti-fraud databases, sanctions lists, court judgements and other databases;
  • government agencies such as the DVLA and HMRC;
  • open electoral register; or
  • in the event of a claim, third parties including the other party to the claim (claimant / defendant), witnesses, experts (including medical experts), loss adjustors, solicitors, and claims handlers

Which of the above sources apply will depend on your particular circumstances.

  1. WHO HAS ACCESS TO YOUR PERSONAL DATA?

The insurance life-cycle may involve the sharing of your personal information between insurance market participants (an intermediary, insurer, reinsurer), some of which youwill not have direct contact with. In addition, your personal data may not have been collected directly by us.

You can find out the identity of the initial data controller of your personal data within the insurance market life-cycle in the following ways:

  • Where you took out the insurance policy yourself: the insurer and, if purchased through an intermediary, the intermediary will be the initial data controller and their data protection contact can advise you on the identities of other insurance market participants that they have passed your personal data to.
  • Where your employer or another organisation took out the policy for your benefit: you should contact your employer or the organisation that took out the policy who should provide you with details of the insurer or intermediary that they provided your personal data to and you should contact their data protection contact who can advise you on the identities of other insurance market participants that they have passed your personal data to
  • Where you are not a policyholder or an insured: you should contact the organisation that collected your personal data who should provide you with details of the relevant insurance market participant’s data protection contact.
  1. THE PURPOSES, CATEGORIES AND LEGAL GROUNDS FOR OUR PROCESSING OF YOUR PERSONAL DATA.

Data protection law says that we are only allowed to use personal information if we have a proper reason for doing so.  This includes when we share it outside BHIIL.  Data protection law says we must have one or more of the following reasons:

  • To fulfil a contract we have with you
  • When it is our legal duty
  • When it is in our legitimate interest
  • When you consent to it

When we have a commercial or other business interest reason of our own to use your personal information this is called a “legitimate interest”.  We will tell you what that is if we rely on it as a means to process your data.

We will not collect and use special categories of personal data information without your consent unless the law allows us to do so.  If we do it will only be for the following reasons:

  • When it is necessary for reasons of substantial public interest, or
  • To establish, exercise or defend legal claims

We set out below the purposes and legal basis for which we may process your personal data during the life-cycle of providing insurance products and services to you.

Purpose Categories of Data Our Reasons
Quotation /Policy Inception
  •  Setting you up as a client including possible fraud, sanctions and anti-money laundering checks
  •  Evaluating the risks to covered and matching to appropriate policy /premium
  • Payment of premium where the insured/policyholder is an individual
  • Individual details
  • Identification details
  • Financial Information
  •  Policy Information
  •  Risk details
  • Previous claims
  • Credit and anti-fraud data
  • Performance of our contract with you
  •  Compliance with a legal obligation
  • Legitimate interests

– Ensure client is within our acceptable risk profile

– To ensure appropriate product and premium

Policy Administration
  • Client care and including communication with you and sending updates
  • Payments to and from individuals
  • Individual details
  • Policy information
  • Risk details
  • Previous claims
  • Current claims
  • Perform contract
  • Legitimate interests

– To correspond with clients, beneficiaries and claimants in order to facilitate the placing of the policy and the handling of claims

  • Substantial Public Interest
  • Consent
Claims Processing
  • Managing insurance and reinsurance claims
  • Defending or prosecuting legal claims
  • Investigating or prosecuting fraud
  • Individual details
  • Policy information
  • Risk details
  • Previous claims
  • Current claims
  • Health data
  • Criminal records data
  • Other sensitive data
  • Perform contract
  • Legitimate interests

– To assess the veracity and quantum of claims

– Defend and make claims

–  To assist with the prevention and detection of fraud

  • Consent
  • Legal claims
  • Substantial public interest
Renewals
  • Contacting the insured/policyholder to renew the insurance policy
  • Evaluating the risks to be covered and matching to appropriate policy/premium
  • Payment of premium where the insured /policyholder is an individual
  • Individual details
  • Policy information
  • Risk details
  • Previous claims
  • Current claims
  • Perform contract
  • Legitimate interests

– To correspond with clients in order to facilitate the placing of the policy

  • Consent
  • Substantial Public Interest
Throughout the insurance life-cycle  
  • Complying with our legal and regulatory obligations
  • Pricing and risk modelling
  • Handling complaints
  • Transferring books of business, company sales and re-organisations
  • Individual details
  • Policy information
  • Identification details
  • Current claims
  • Previous claims
  • Financial Information
  • Risk details
  • Legal Obligation
  • Consent
  • Substantial Public Interest
  • Legitimate Interests

– To structure our business appropriately

– To build risk models that allow the acceptance of risk at appropriate premiums

 

 

 

  1. WHO WE MAY SHARE YOUR PERSONAL DATA WITH

In order to undertake the activities listed above it may be necessary to share your data with third parties.  Who we share this data with may depend on the insurance products and services we provide to you but may include:

  • Other insurers that co-insure your policy
  • Reinsurance intermediaries
  • Reinsurance Companies
  • Loss adjusters, solicitors and claims management companies
  • Anti-Fraud agencies and private investigators
  • Government departments and databases
  • Outsourced service providers
  • Regulators
  • Our Group affiliate service companies Resolute Management Limited and Resolute Management Services Limited.

We may also share your personal data with certain BHIIL affiliates within the Berkshire Hathaway Group who are located in the United States who provide administration and consulting services to BHIIL in relation to the insurance products and services we provide to you.  Any such transfers are made under agreements using European Union approved model data transfer clauses which obligate the recipient to protect your personal data.

  1. CONSENT

In order to provide insurance cover and deal with insurance claims in certain circumstances we may need to process your special categories of personal data, such as medical and criminal convictions records, as set out against the relevant purpose.

Your consent to this processing may be necessary for BHIIL to achieve this.

You may withdraw your consent to such processing at any time.  However, if you withdraw your consent this will impact our ability to provide insurance or pay claims.

  1. PROFILING

When calculating insurance premiums insurance market participants may compare your personal data against industry averages.  Your personal data may also be used to create the industry averages going forward. This is known as profiling and is used to ensure premiums reflect risk.

Profiling may also be used by us to assess information you provide to understand fraud patterns.  Where special categories of personal data are relevant, such as past motoring convictions for motor insurance, your special categories of personal data may also be used for profiling.

  1. RETENTION OF YOUR PERSONAL DATA

We will keep your personal data only for so long as is necessary and for the purpose for which it was originally collected. In particular, for so long as there is any possibility that either you or we may wish to bring a legal claim under the insurance policy or where we are required to keep your personal data due to legal or regulatory reasons.

  1. INTERNATIONAL TRANSFERS

We may need to transfer your data to insurance market participants or their affiliates or sub-contractors and BHIIL group affiliates which are located outside of the European Economic Area (EEA) where data privacy laws may not be the same as they are in the EEA.  Those transfers would always be made in compliance with the GDPR.

If you would like further details of how your personal data would be protected if transferred outside the EEA, please contact the BHIIL Data Protection Officer

  1. YOUR RIGHTS

If you have any questions in relation to our use of your personal data, you should first contact the Data Protection Officer at BHIIL by post or email using the following details:

Data Protection Officer

Berkshire Hathaway International Insurance Limited

4th Floor, 8 Fenchurch Place

London EC3M 4AJ

Email: DPO@Bhiil.com

Under certain conditions, you may have the right to require us to:

  • provide you with further details on the use we make of your personal data/special categories of data;
  • provide you with a copy of the personal data that you have provided to us;
  • update any inaccuracies in the personal data we hold;
  • delete any special category of data/personal data that we no longer have a lawful ground to use;
  • where processing is based on consent, to withdraw your consent so that we stop that particular processing;
  • object to any processing based on the legitimate interests ground unless our reasons for undertaking that processing outweigh any prejudice to your data protection rights; and
  • restrict how we use your personal data whilst a complaint is being investigated.

In certain circumstances, we may need to restrict the above rights in order to safeguard the public interest (e.g. the prevention or detection of crime) and our interests (e.g. the maintenance of legal privilege).

  1. YOUR RIGHT TO COMPLAIN TO THE INFORMATION COMMISSIONERS OFFICE (“ICO”)

If you are not satisfied with our use of your personal data or our response to any request by you to exercise any of your rights in SECTION 10, or if you think that we have breached the GDPR, then you have the right to complain to the ICO.  Please see below for contact details of the ICO.

 

England                                                                  Information Commissioners Office

Wycliffe House

Water Lane

Wilmslow

Cheshire

SK9 5AF

 

Tel: 0303 123 1113 (local rate) orTel: 01625 545 745 (national rate)

Email: casework@ico.org.uk

 

ScotlandInformation Commissioner’s Office

45 Melville Street

Edinburgh

EH3 7HL

 

Tel: 0131 244 9001Email: Scotland@ico.org.uk

 

WalesInformation Commissioner’s Office

2nd floor Churchill House

Churchill way

Cardiff

CF10 2HH

 

Tel: 029 2067 8400Email: wales@ico.org.uk
Northern IrelandInformation Commissioner’s Office

3rd Floor, 14 Cromac Place

Belfast

BT7 2JB

 

Tel: 0303 123 1114 (Local rate)Tel: 028 9027 8757 (national rate)

Email: ni@ico.org.uk