Privacy Policy (updated 23rd January, 2024)
1. Who we are
Premia Solutions Limited is a company registered in England and Wales (company number 04088720). For the data protection legislation, we are a data "controller". This privacy policy tells you how we use your personal data and how to contact us if you have any questions about how we use personal data. This policy covers our premiasolutions.com website as well as other websites which end in {dealer name}.premiainsurance.co.uk as well as:
We initially collect your key contact and vehicle leasing information from the vehicle dealer or broker who you registered your interest with or purchased a Premia Solutions insurance policy through. This happens so we can fulfil contractual obligations to you - that is our legal basis for collecting that information. We also collect the information you provide to us through this website. The type of information we collect includes: -
3. Use of information
We will use this information for the following purposes:
4. Sharing of information
To ensure that we can fulfil our contractual obligations to you, your personal data may be shared with a number of third parties. The third parties with whom we may send your data will depend upon the product/service you have purchased. These are set out below:
5. Storage and security
We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this privacy policy. All information you provide to us is stored on our secure servers. Any payment transactions will be encrypted using SSL technology. We have appointed an agent to collect any credit card payments for our goods from you on our behalf. All credit card transactions conducted from this website are carried out over a secure link for your security. By transmitting your credit card details, you agree to our agent using your details for the purposes of:
As part of our responsibilities as general insurance providers, we will retain archive records (where a policy ceases to be in force) for 10 years. We will retain your personal data to the extent necessary to meet these requirements. Data is only retained where necessary and will not be kept longer than is strictly required.
6. Your duty to inform us of changes
It is important that the personal information we hold about you is accurate and current. Please keep us informed if your personal information changes during your working relationship with us.
7. Your rights in connection with personal information
Under certain circumstances, by law you have the right to:
8. No fee usually required
You will not have to pay a fee to access your personal information (or to exercise any of the other rights). However, we may charge a reasonable fee if your request for access is clearly unfounded or excessive. Alternatively, we may refuse to comply with the request in such circumstances.
9. What we may need from you
We may need to request specific information from you to help us confirm your identity and ensure your right to access the information (or to exercise any of your other rights). This is another appropriate security measure to ensure that personal information is not disclosed to any person who has no right to receive it.
10. Changes to this privacy policy
We reserve the right to update this privacy policy at any time and without prior notice to you to reflect changes in our information practices or relevant laws. You can tell when this policy was last updated by looking at the date at the top of the policy. Any changes to our policy will become effective upon posting of the revised policy on the site. Use of our site, any of our products and services, and/or providing consent to the updated policy following such changes constitutes your acceptance of the revised policy then in effect. If you have any questions about this privacy policy, please contact us using the email address: support@premiasolutions.com.
11. Complaints
You can write a letter or complete a form online, and we will look to resolve the matter as quickly and fairly as possible.
By Post:
Alternatively, you can submit a complaint through Premia Solutions' online system here: https://www.premiasolutions.com/ContactUs#complaints.
For all complaints relating to the administration of your product, we will write to you within three working days of receipt to acknowledge your complaint within and will aim to send our final response within 25 working days, and certainly no later than eight weeks.
If, after receiving our final response you remain dissatisfied, or eight weeks have passed since you first raised your complaint with us, you have the right to refer the matter to the Financial Ombudsman Service. You have six months from the date of our final response to refer your complaint to them.
Further details about the Financial Ombudsman Service will be provided with our final response letter. You can also visit their website at www.financial-ombudsman.org.uk.
A full disputes procedure also exists for complaints relating to the product itself e.g. policy wording or a claim, the details of which are dependent on the underwriter & can be obtained upon request.
You also have the right to make a complaint at any time to the Information Commissioner's Office (ICO), the UK supervisory authority for data protection issues. Further guidance for contacting the ICO can be found at: https://ico.org.uk/concerns.
Premia Solutions Limited is a company registered in England and Wales (company number 04088720). For the data protection legislation, we are a data "controller". This privacy policy tells you how we use your personal data and how to contact us if you have any questions about how we use personal data. This policy covers our premiasolutions.com website as well as other websites which end in {dealer name}.premiainsurance.co.uk as well as:
- mypremia.co.uk
- lookaftermycar.co.uk
- uploadyourclaim.com
- sales.mypremia.co.uk
We initially collect your key contact and vehicle leasing information from the vehicle dealer or broker who you registered your interest with or purchased a Premia Solutions insurance policy through. This happens so we can fulfil contractual obligations to you - that is our legal basis for collecting that information. We also collect the information you provide to us through this website. The type of information we collect includes: -
- your name and address;
- your phone number and e-mail address;
- information we require to allow us to identify the right product for you, to complete the sale of that product and provide you with appropriate cover; and
- website activity and usage analytics
3. Use of information
We will use this information for the following purposes:
- to process any request for advice or information;
- to carry out our obligations arising from any contracts entered into between you and us (our legal basis for these activities is necessity for the performance of our contract with you);
- to comply with our statutory and regulatory obligations (our legal basis for this activity is necessity to comply with a legal obligation);
- to customise our websites according to your interests;
- to ensure that content from our sites is presented in the most effective manner for you and for your computer;
- to contact you and gather feedback on your experience and that of any third- party service provider you engage with through the platform (our legal basis for these activities is necessity for the purposes of legitimate interests - described above - that we are pursuing, having taken into account your interests, rights and freedoms as a "data subject");
- to provide you with information, products or services that you request from us or which we feel may interest you, where you have consented to be contacted for such purposes (our legal basis for this activity is your consent).
4. Sharing of information
To ensure that we can fulfil our contractual obligations to you, your personal data may be shared with a number of third parties. The third parties with whom we may send your data will depend upon the product/service you have purchased. These are set out below:
- Insurers and agents of the insurers
- The dealer or leasing broker who you purchased your vehicle and insurance policy from
- The dealer or leasing broker who introduced you to Premia Solutions
- Credit card and bank payment providers
- Repairers
- Auditors
- Data processing agencies
- Customer review platforms
- Regulators e.g. the Financial Conduct Authority or the Information Commissioner’s Office
5. Storage and security
We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this privacy policy. All information you provide to us is stored on our secure servers. Any payment transactions will be encrypted using SSL technology. We have appointed an agent to collect any credit card payments for our goods from you on our behalf. All credit card transactions conducted from this website are carried out over a secure link for your security. By transmitting your credit card details, you agree to our agent using your details for the purposes of:
- authorising your credit card;
- debiting your credit card account for such of our goods you buy; and
- advising us that payment has been made.
As part of our responsibilities as general insurance providers, we will retain archive records (where a policy ceases to be in force) for 10 years. We will retain your personal data to the extent necessary to meet these requirements. Data is only retained where necessary and will not be kept longer than is strictly required.
6. Your duty to inform us of changes
It is important that the personal information we hold about you is accurate and current. Please keep us informed if your personal information changes during your working relationship with us.
7. Your rights in connection with personal information
Under certain circumstances, by law you have the right to:
- Request access to your personal information (commonly known as a "data subject access request"). This enables you to receive a copy of the personal information we hold about you and to check that we are lawfully processing it.
- Request correction of the personal information that we hold about you. This enables you to have any incomplete or inaccurate information we hold about you corrected.
- Request erasure of your personal information. This enables you to ask us to delete or remove personal information where there is no good reason for us continuing to process it. The right to erasure is not absolute and only applies in certain circumstances. One of the reasons when it does not apply is when a firm needs to comply with a legal obligation which, as a regulated firm, we do. Please refer to Section 5 for our policy on how long we keep personal data after a policy ceases to be in force. You also have the right to ask us to delete or remove your personal information where you have exercised your right to object to processing (see below).
- Object to processing of your personal information where we are relying on a legitimate interest (or those of a third party) and there is something about your particular situation which makes you want to object to processing on this ground. You also have the right to object where we are processing your personal information for direct marketing purposes.
- Request the restriction of processing of your personal information. This enables you to ask us to suspend the processing of personal information about you, for example if you want us to establish its accuracy or the reason for processing it.
- Request the transfer of your personal information to another party.
8. No fee usually required
You will not have to pay a fee to access your personal information (or to exercise any of the other rights). However, we may charge a reasonable fee if your request for access is clearly unfounded or excessive. Alternatively, we may refuse to comply with the request in such circumstances.
9. What we may need from you
We may need to request specific information from you to help us confirm your identity and ensure your right to access the information (or to exercise any of your other rights). This is another appropriate security measure to ensure that personal information is not disclosed to any person who has no right to receive it.
10. Changes to this privacy policy
We reserve the right to update this privacy policy at any time and without prior notice to you to reflect changes in our information practices or relevant laws. You can tell when this policy was last updated by looking at the date at the top of the policy. Any changes to our policy will become effective upon posting of the revised policy on the site. Use of our site, any of our products and services, and/or providing consent to the updated policy following such changes constitutes your acceptance of the revised policy then in effect. If you have any questions about this privacy policy, please contact us using the email address: support@premiasolutions.com.
11. Complaints
You can write a letter or complete a form online, and we will look to resolve the matter as quickly and fairly as possible.
By Post:
Head of Customer Outcome
Premia Solutions Limited
3 Corunna Court
Corunna Road
Warwick
CV34 5HQ
Alternatively, you can submit a complaint through Premia Solutions' online system here: https://www.premiasolutions.com/ContactUs#complaints.
For all complaints relating to the administration of your product, we will write to you within three working days of receipt to acknowledge your complaint within and will aim to send our final response within 25 working days, and certainly no later than eight weeks.
If, after receiving our final response you remain dissatisfied, or eight weeks have passed since you first raised your complaint with us, you have the right to refer the matter to the Financial Ombudsman Service. You have six months from the date of our final response to refer your complaint to them.
Further details about the Financial Ombudsman Service will be provided with our final response letter. You can also visit their website at www.financial-ombudsman.org.uk.
A full disputes procedure also exists for complaints relating to the product itself e.g. policy wording or a claim, the details of which are dependent on the underwriter & can be obtained upon request.
You also have the right to make a complaint at any time to the Information Commissioner's Office (ICO), the UK supervisory authority for data protection issues. Further guidance for contacting the ICO can be found at: https://ico.org.uk/concerns.