Staysure is the trading name of Staysure.co.uk Ltd. It is registered in England and Wales at Staysure.co.uk Limited, McGowan House Waterside Way, The Lakes, Northampton, Northamptonshire, United Kingdom, NN4 7XD. Company number 05142148.
This policy explains how we use any personal information we collect about you when you use our website or telephone our call centre. We process your information fairly and lawfully, in accordance with the Data Protection Act (1998) and Which? Web Trader Code of Conduct.
Cookies identify your computer to a server that then enables information to be stored on the hard drive of your computer. Cookies allow a computer to be identified as corresponding to one that has accessed another website or visited a website previously. Cookies are commonly used on the Internet and do not harm your computer system.
Cookies collect standard internet log information and visitor behaviour information. This information is used to track visitor use of our website and to compile statistical analysis reports of website activity. Information collected in this way can be used to identify you and used to ensure your web journey is as easy and as targeted as possible.
Below is a list of the cookies which may be stored on your browser and an explanation of what each cookie is used for.
You can set your internet browser not to accept cookies and remove them from your browser. For further information visit www.aboutcookies.org or www.allaboutcookies.org.
Please be aware that deleting certain cookies can result in difficulties when navigating around sites.
Our website and computer systems use enhanced encryption to ensure that your personal and confidential data (such as your name, address, credit card number, and other information) cannot be intercepted, unscrambled or copied when being transmitted between our server, you and others acting on our behalf. Credit and debit card payments are processed securely by our partners Netbanx (Optimal Payments PLC) www.netbanx.com and Chase Paymentech Europe Ltd www.chasepaymentech.co.uk
To check your identity, to assess your application, renewal or claim, or to prevent fraud and money laundering we may:
Check publicly available information such as the Electoral Register, County Court Judgments, bankruptcy or repossession orders
Search files made available to us by Credit Reference Agencies (CRA) of which they may keep a record. We may also:
Pass to the CRA information we hold about you and your payment record with us. The CRA will share this information with other organisations to help them assess applications, trace debtors, and prevent fraud.
Ask the CRA to provide a credit scoring computation. Credit scoring uses several factors to calculate the risks involved in any application. There is a score for each factor and the total score, along with the factors described above, is used to assess your application.
Use information relating to you and your vehicle supplied to us by the insurer, credit provider or third parties such as other insurance companies or fraud prevention agencies.
Carry out checks against information that we may hold about you as a customer for other Staysure insurance policies or products (this may include your claims and your payment record)
Use the information you provide for the above purposes when you apply for any Staysure products or services now or in the future.
The Claims and Underwriting Exchange Register (run by Insurance Database Services Limited (IDS Ltd)), the Hunter Database (run by MCL Software Ltd) and the Motor Insurance Anti-Fraud and Theft Register (run by the Association of British Insurers (ABI)) help us check information provided and to prevent fraudulent claims. When we deal with your request for insurance, we may search these and any other relevant registers.
Under the conditions of your insurance policy, you must tell us about any incident (such as an accident or theft) which may give rise to a claim. When you tell us about an incident we will pass this information to these registers and to any other relevant registers.
If you would like more information about the registers please email or write to us at Staysure.co.uk Limited, McGowan House Waterside Way, The Lakes, Northampton, Northamptonshire, United Kingdom, NN4 7XD.
Information relating to your car insurance policy will be added to the Motor Insurance Database (MID) managed by the Motor Insurers' Bureau (MIB). MID and the information stored may be used by authorised bodies including the Police, the DVLA, the DVLANI, the Insurance Fraud Bureau and other bodies for (but not limited to):
Continuous insurance enforcement
Law enforcement (prevention, detection, apprehension and the prosecution of offenders)
Government services and other services aimed at reducing the level and incidence of uninsured driving
If you are involved in a road traffic accident (either in the UK, the EEA or certain other territories), insurers and the MIB may search the MID to obtain relevant information.
Persons (including appointed representatives) pursuing a claim in respect of a road traffic accident (including citizens of other countries) may also obtain information which is held on the MID. You must ensure that the MID holds your correct car registration number. If it incorrect you are at risk of having your vehicle seized by the Police. You can check your registration number details on the MID at www.askMID.com.
To prevent and detect fraud we or the insurer may share information about you with other organisations including the Police and fraud prevention agencies. Law enforcement agencies may access and use this information.
If you provide false or inaccurate information and we identify that fraud has been committed we will pass your information on to fraud prevention agencies. We may access and use information recorded by fraud prevention agencies from other countries.
If you would like details of the fraud prevention agencies please email or write to us at Staysure.co.uk Limited, McGowan House Waterside Way, The Lakes, Northampton, Northamptonshire, United Kingdom, NN4 7XD.
You have the right to request a copy of the information we hold about you. If you would like a copy of some or all of your personal information, please download and complete this form and return it to us. There is an administration charge of £10 for this service.
We want to make sure that your personal information is accurate and up to date. You may ask us to correct or remove information if you think it is inaccurate, and we will confirm that any amendments made.