Privacy Policy

Introduction
This Web site (www.lancasterinsurance.co.uk) is owned and operated by Lancaster Insurance Services Ltd (Lancaster Insurance) (Registration No. 2395332) whose registered office is 34 Beckenham Road, Beckenham, Kent, BR23 4TU and is a wholly owned subsidiary of Capita Plc (“Capita”). Throughout this Privacy Policy Capita Plc and all its subsidiaries including Lancaster Insurance Services Limited shall be referred to as “Capita”, “We”, “Our” or “Us”. Any person or organisation that accesses the Site shall be referred to throughout this Privacy Policy as “You” “Your” “User or “Users”.

We are committed to protecting Your privacy. We comply with the principles of the Data Protection Act 1998 and aim to maintain consistently high levels of best practice in Our processing of personal and/or sensitive personal data.

How We use information You provide Us
• The information You supply will be used to provide goods and or services that You request, to communicate with You and allow Us to personalise the information We send You.
• All the information supplied by You, including information via forms completed on Our website, is information We collect from Your browsing. In common with nearly all web servers Our server logs each page that is downloaded from Our site.
• We will use the information collected to help Us prevent fraud and money laundering and may submit to fraud prevention agencies and other organisations where Your records may be searched. This may also include credit reference bureaux to assist Us in providing a quote to check payment options available to You. A copy of the search will be left on Your credit file but will not affect Your credit score.
• If a third party delivers Our product to You or part of the service requested by You We will supply them with the information disclosed but only for the administration of the service required. This includes claims services, underwriting, pricing and testing.
• We ask for telephone and email contact details to enable Us to contact You in relation to Your enquiry, contact about relevant other products or services, problems with Your order and other genuine reasons for doing so.
• Credit / Debit and bank details provided to Us will be kept secure and only used with Your consent and for any appropriate refunds.
• When You enter a contest or other promotional feature, We may ask for Your name, address, phone numbers and email address so that We can administer the contest and notify winners.
• Occasionally, We may also use the information We collect to notify You by post, phone, mobile phone, email and SMS about new or existing products that may be relevant to You.
• By providing the requested data You consent to Capita Insurance services using the data for administration purposes and for informing You of Our products or services by letter, SMS phone or email.

• Every time You receive an electronic marketing message or notification You have the right to opt out and You may also do so by writing to Lancaster Insurance Services Limited, Lancaster House, Meadow Lane, St Ives, Cambs, PE27 4ZB
• As required by the Data Protection Act 1998, We follow strict security procedures in the storage and disclosure of information You have given to Us.
• If We provide information to a third party (either a provider of a product or service, or an external data processing agency such as a mailing house) We will exercise the strictest control over the third party contractually, requiring it and any of its agents and/or suppliers to:
o maintain the security and confidentiality of the information and restrict access to those of its own employees;
o use the data for the agreed purpose only and prevent it being used for any other purpose by any other party;
o refrain from communicating with You other than concerning the product in question;
o return the data to Us at the conclusion of any contract term, and destroy or delete any copies made of all or any part of the information unless copies are needed to be kept to comply with regulations.
• In addition, We will restrict the information disclosed to the absolute minimum necessary, for example, to provide the product or service.
• Our own security procedures mean that We may occasionally have to request proof of identity or check Your presence on the electoral roll.
• In the event of phone calls from You, We also reserve the right to ask security questions (which We in Our sole discretion deem appropriate) in order to satisfy ourselves that You are who You say You are.
• If You contact Us electronically We may collect Your electronic identifier, for example Internet Protocol (IP) address or phone number supplied by Your service provider.

Your consent
• We will aim to make it clear why We need any data We collect. We may need sensitive personal data and We will always seek Your consent first. If You provide this information orally in writing or via this site You are consenting to Us collecting the information for the provision of Our service.
• If You are entitled to Our other services You consent to Us updating You from time to time. Under this, as part of the benefit of being Our customer We will, through email or otherwise, give You relevant product information and details of any discounts or offers We may have negotiated from time to time.

How We use cookies
• Cookies are text files which identify Your computer to Our server. We automatically issue Your computer with a cookie whenever You register on Our website (or possibly when You browse) in order to track traffic flows, and additionally to make Our website easier for You to use.
• Cookies themselves only record which areas of the site have been visited by the computer in question, and for how long.
• You are able to set Your computers to accept all cookies, to notify You when a cookie is issued, or not to receive cookies at any time.
• Selecting not to receive cookies can mean that certain services cannot then be provided.
• Please note that some of the third parties present on Our website may also issue cookies.

Disclosure of information to third parties
We do not sell, trade or rent Your information and will not disclose information to other parties outside Our group unless this is to fulfil Your purchase or instructions, such as claims handlers or underwriters.
We may of course be obliged in law to pass on Your information to the police or any other statutory authority.

Data Protection Act marketing consent
We use the following method of gaining consent to be on Our marketing list:
When You first enquire about Our product or services You consent to Us marketing Our products to You. Your details are placed on Our marketing list for use by Us or Our group.

Amendment and retention of information
Please advise Us in writing as to any changes in Your circumstances. Obviously it is preferable for Us to retain up to date information. We will amend details as required. We are, however, obliged and permitted by law and regulation to retain certain types of data for a minimum period of time. The minimum period of time tends to be for six years but can be longer if the statute or regulation requires.

Subject Access Requests
You have a statutory right of access to accessible personal and/or sensitive personal data that We hold about You. In order to exercise this right, Your application must be in writing for security reasons. Please write to the Data Protection Officer at Lancaster Insurance Services Limited, Lancaster House, Meadow Lane, St Ives, Cambs, PE27 4ZB Please refer to the information You wish to see giving dates if possible, and enclose Your cheque for £10 payable to Lancaster Insurance Services Limited. We will not administer Subject Access Requests by a third party unless accompanied by a written authority of the individual who is the subject of the request.

Changes to Our Privacy Policy
If We decide to change Our Privacy Policy, We will update all relevant documentation and post any changes on Our websites so that You are always aware of what information We collect, how We use it, and under what circumstances We disclose it.

The safety of your personal details

Our secure-server software encrypts all the details in Your online transaction. The encryption process takes the characters You enter and converts them into a coded form, which is then securely transmitted.
What this means for You:
• Your details are secure
• Your details are safely transmitted to Us
• Your details will be held securely by Us.

If You have problems using Our secure system, it may be that Your browser does not support Our encryption system. In this case, please contact Your browser provider.

Tell Us what You think
Please use Our feedback form on line to tell Us what You think or email Us at info@lancaster-ins.co.uk