As required by the General Data Protection Regulation
Who we are
We (and “us” and “our”) are Lexham Insurance Consultants Ltd (an independent insurance intermediary also trading as Marble Arch for claim handling) and LXM Management Ltd (a provider of loans), both regulated by the Financial Conduct Authority.
Information about you
Most of the information we hold about you (and any other named person insured) will have been provided by you, or by someone acting on your behalf. We may also collect some data from other sources, such as;
- insurance databases or companies to check previous claims;
- agencies to verify such things as identity and address, County Court Judgements or HM Treasury sanctions;
- credit checks (these are “soft” checks that do not affect your credit rating);
- other openly-available sources of data and social media where appropriate (eg to help verify claims-related data)
Please ask if you would like more details relating to your data.
Sensitive personal information
This includes information relating to health, disability and criminal convictions. Such data will be used only in connection with an insurance quotation or the administration of an insurance contract (eg in connection with a claim).
What this information is used for and the basis for using it
This information is used to assess your insurance risk in order to provide a quotation, to administer any insurance and loan arranged, to deal with a claim and provide appropriate services, to recover debt, etc (contractual necessity).
It will also be used to check for possible fraud, money laundering or other crime (legal obligation). We and your insurer will not be able to provide the requested services without this data.
We may also send you marketing material about other related services available from the Lexham group of companies (this is known as legitimate interests), but you may opt out of this at any time – see contact details below.
We guarantee that we will never sell any information about you to anyone else or collect unnecessary information – we respect the information you have provided and it will be used only as described.
Who we may pass your information to
Potential insurers to enable them to provide quotations or cover.
In order to deal with a claim, for example, various service providers such as vehicle damage assessors and repairers, replacement vehicle providers and solicitors may need to be supplied with information about you.
Other insurers or insurance industry databases (to help prevent fraud).
The Motor Insurance Database (as required by law).
Government agencies such as DVLA.
A loan company (LXM Management Ltd) and a direct debit operating company (Bexhill UK Ltd), if you arrange a loan through us, and a debt recovery agency if you default on the loan.
Anyone who you may have asked us to deal with.
It is possible some of these organisations may transfer your data overseas and this may mean it may not be as secure as in the UK (eg a foreign government may forcibly access data), but our contracts with them require that they provide the same level of protection as we do.
How long we keep your information
We only keep information about you if necessary for reasons as outlined above. Normally, we will delete it by 14 months after you have requested a quotation but not arranged cover, or 7 years after any insurance you have arranged has expired (in case any claim or legal action arises).
Other persons involved with your contract
If you provide personal data about another person (such as a named rider covered by your insurance, a loan guarantor, or a passenger injured in an accident), it is your responsibility to ensure you have their agreement to do so and to inform them of all relevant matters relating to their data and to the terms of any insurance and loan arranged. Or you may arrange for them to contact us.
Insurers’ rating procedures are partly computer-based and your personal data will be used by such processes to assess the risk and provide any quotation.
Your rights regarding your personal data we hold
To receive a copy of this data.
To ask us to rectify any inaccurate or incomplete data.
To ask us to stop sending you any marketing communication.
To complain about our use or storage of it.
Where we rely on your consent to use this data, to ask us to stop using it or to limit its use or to delete it.
Our contact details relating to data
If you have any query regarding the storage, use or accuracy of data we hold about you, or to exercise any of your rights, please contact us specifying your request as follows:
The Data Protection Officer, Lexham Insurance, Gilray Road, Diss, Norfolk IP22 4NG or firstname.lastname@example.org
We will tell you if we are unable to comply with your request, or how your request might impact you, when you contact us.
If after contacting us as above you remain dissatisfied, you have the right to refer the matter to the Information Commissioner's Office ("ICO") - https://ico.org.uk/global/contact-us/