Privacy & security

We recognise our responsibility to treat the information we obtain about you with care. We use personal information about you:

• To provide you with a quote
• To administer your policy if you take out our cover 
• To maintain and improve the services we provide to you
• To research and tell you about other products and services.

Some of the personal information we ask you to provide may be sensitive. For example, with car insurance, you may have to give us information about your physical health and the physical health of other people who will be insured to drive your car. We also need to know about any motoring offences that you and other people who will be insured to drive your car may have. We will use this data for statistical analysis and in the administration of your policy if you decide to buy.

Fraud prevention, detection and claims history

To keep our premiums as low as possible we participate in a number of insurance industry initiatives to prevent and detect fraud. As a valued customer, we think you'll appreciate the steps we are taking to provide the best car insurance cover.

To prevent and detect fraud we may at any time:

1. Share information about you with other organisations and public bodies including the police.
2. Check and/or file your details with fraud prevention agencies and databases and if you give us false or inaccurate information and we identify fraud, we will record this. We and other organisations may also search these agencies and databases from the UK and other countries to:
   - help make decisions about the provision and administration of insurance, credit and related services for you and members of your household
   - trace debtors or beneficiaries, recover debt, prevent fraud, and to manage your accounts or insurance policies
   - check your identity to prevent money laundering, unless you give us other satisfactory proof of identity; or
   - check details of job applicants and employees
3. Undertake credit searches and additional fraud searches.

If you would like to receive further details of the databases we access or contribute to, please write to the Data Protection Officer, Sainsburys Car Insurance, The Observatory, Reigate, Surrey RH2 0SG or email us at dpo@sainsburysbankcarins.co.uk. If you choose to email us, we are unable to take responsibility for any loss of data during transit.

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Insurance database

Your policy details will be 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 purpose 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 at www.miic.org.uk

Claims

Under the conditions of your policy you must tell us about any insurance related incidents (such as fire, water damage, theft or an accident) whether or not they will give rise to a claim. When you tell us about an incident we will pass information relating to it to a database.

We may search these databases when you apply for insurance, in the event of any incident or claim, or at time of renewal to validate your claims history or that of any other person or property likely to be involved in the policy or claim.

If you make a claim, we may need to give information about you and your policy to other people such as suppliers, investigators and loss adjusters. They will only use the information to help us with your claim.

Information on products and services

The information you have provided to us will be held and used by us and our agents to provide the insurance services you asked for and may be used by us for statistical analysis.

You have the right to ask for a copy of the information we hold about you in our records. You will need to pay a small fee. You have the right to ask us to correct any inaccuracies in your information.

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Automatic renewal for direct debit customers

If you pay your premium by direct debit, we may automatically renew your policy.  We will notify you of our intention to do this before your policy expires and give you details of the renewal terms.  If you do not wish to renew your policy, you should tell us before the renewal date.  If you do not tell us, and we renew your policy or any subsequent policy on expiry, we will continue to make deduction(s) from your bank account for the revised renewal premium(s).

Premium collection

We collect the premium for your motor insurance policy. For breakdown assistance cover, we collect the premium as an agent on behalf of Greenflag.

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Telephone calls

We may record telephone conversations to offer you additional security, resolve complaints and improve our service standards. Conversations may also be monitored for staff training purposes.

Security

We believe that security is of the utmost importance to our customers, and we therefore have what we believe are the most secure systems on the market.

We use the latest encryption technology, SSL or Secure Socket Layer, which protects your payment details and all your personal information. We are also registered with Verisign, a leading Internet Security Company.

If you pay for your policy by credit card (but not by debit card), you will also have the additional protection of the Consumer Credit Act. Your maximum liability on your credit card is £50 in the event that it is lost or stolen or used fraudulently and your liability stops as soon as you notify the credit card company that the card has been lost or stolen or used fraudulently.

Cookies

We use sessional cookies to enhance the level of service we provide to you. We use them to record areas of the site you visit and the length of time you spend viewing them. They do not identify a user by name. Your browser keeps track of sessional cookies as long as it's running, but deletes them when it is shut down. If you object to a cookie being placed on your computer, please adjust your browser to let you know when a cookie is issued or you can choose to have them disabled (although this will prevent us from providing you with a Sainsbury's Car Insurance quote). Please refer to the website www.aboutcookies.org for more detailed instructions on how to control or delete cookies.

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