Privacy Policy

Privacy Policy

The type of information collected by this website

Islands Insurance generally collects personally identifying information with your specific knowledge and consent. For instance, when you register for any portion of our services where you are asked to provide information, such as your e-mail address, name or phone number. Optional information such as your age or gender may also be requested.

How we use the information provided by you

All personal information about you will be treated as private and confidential (even when you are no longer a customer) except where the disclosure is made at your request, with your consent in relation to arranging your insurance or where we are required to by law.

As part of the JFSC’s or GFSC’s duties, we may be asked to provide them with access to our customer records in order that they may carry out a review of our activities.

Some or all of the information you supply to us in connection with your insurance proposal will be held on computer and may be passed to other insurance companies for underwriting and claims purposes.  In addition we may use some of the information to advise you of other products and services offered by insurance companies, and may pass details to other carefully selected companies whose products and services we feel may be of interest.  If you do not wish to receive such details please contact our Compliance Manager.

We may pass information about you to credit reference agencies for the purpose of arranging payments by instalments, and may also pass to them records of your payment history with us.  Information about you may be exchanged by your insurer with other insurances companies for underwriting and claims handling purposes.

Under the Data Protection Laws of the Channel Islands you have a right of access to see personal information about you that is held in our records, whether electronically or manually.  If you have any queries please write to the Compliance Manager.

We also allow access to our database by third parties that provide us with services, such as technical maintenance or content management and search software, but only for the purpose of and to the extent necessary to provide those services.

Cookies

You may have read about "cookies," nuggets of information that are placed by a Web site in a storage place on your own computer. We may use cookies to control the display of information, to track usage patterns on the site and to deliver editorial content.

If you don't want cookies, your Web browser likely includes an option that allows you to not accept them. However, if you set your browser to refuse cookies, some portions of this site may not function properly.

While your individual information is protected as outlined above, we reserve the right to use aggregated anonymous data about our users as a group for any business purpose, such as analyzing usage trends and seeking compatible advertisers and partners.

IP Address

Your Internet Protocol ("IP") address is usually associated with the place from which you enter the Internet, like your Internet Service Provider, your company or your university. We may use your IP address to help diagnose problems with our server, gather broad demographic information, and administer our Web site.

Channel Islands only

We only provide the products and services referred to on this website in the Channel Islands. This website is not intended for use by persons who are not resident in the Channel Islands.

Data protection notice

We will process personal information in accordance with the Data Protection Laws of the Channel Islands. We may check and / or pass some or all of the personal information supplied to us in connection with insurance or claims to other insurance companies in order to administer the policy for underwriting and for claims handling purposes, to suppliers of goods and services, regulatory or other organisations, databases and fraud prevention agencies. We may also search these agencies and databases to:

  • help make decisions about the provision and administration of insurance and credit and related services;
  • trace debtors or beneficiaries, recover debt, prevent fraud and to manage individual accounts and insurance policies;
  • check the identity of customers to prevent money laundering, unless we are provided with satisfactory proof of identity;
  • in the event of any incident or claim, or at the time of renewal to validate claims history or that of any other person or property likely to be involved in the policy or claim.

We may use personal information to carry out research. We will take steps to ensure that your privacy rights are protected. Please ensure that if you submit personal information about other people it is with their consent.

Claims and underwriting exchange register

We pass information in connection with claims to other insurers and their agents, to prevent fraudulent claims via the Claims and Underwriting Exchange Register, operated by Insurance Database Services Ltd and / or the Motor Insurance Anti-Fraud and Theft Register run by the Association of British Insurers. The aim is to check information that has been provided and to help prevent fraudulent claims.

Motor insurance database

Customers who take out a motor insurance policy for a UK registered vehicle will have their policy details 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 purposes 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 by contacting us or at www.miic.org.uk

Telephone call monitoring and recording / emails

For security and training purposes, telephone calls may be recorded and monitored. We may monitor and record incoming and outgoing email messages for the purposes of investigating or detecting unauthorised use of our system and ensuring its effective operation.

Security

The internet is not a 100% secure method of communication and we cannot guarantee the security of information transmitted via the internet. We are not responsible for any damages you or others may suffer as a result of any loss, interception or corruption of information sent over the internet whether from us to you or from you to us.


Your rights

Access to information held about you.

Under the Data Protection Laws of the Channel Islands you have a right to request access to personal information about you that is held in our records and to ask us to correct any inaccuracies. For more information write to us at the address below or email us using the Contact Us enquiry form.

Marketing

We may use your personal information to send you information by electronic or other means, about general insurance and investment products, risk management services and to tell you about other services available from us. You have the right to ask us not to use your personal information for direct marketing purposes. If you do not wish to receive marketing material from us, please contact the Compliance Manager of the company in your island at the relevant address below:

  • M J Touzel (Insurance Brokers) Limited, Kingsgate House, 55 The Esplanade, St Helier, Jersey JE1 4HQ or
  • The Islands Insurance Brokers Limited, Lancaster Court, Forest lane, St Peter Port, Guernsey GY1 1WJ

quoting your name, address and policy number.

External links

This Privacy policy cover all websites operated by us. Any other websites will be subject to their own policies. Please refer to our Terms and Conditions for more information.