Privacy Policy & Security Storage

TERMS & CONDITIONS

These terms and conditions apply to the provision to you, your employer or the person or organisation you represent (‘You’ / ‘Your’ / ‘Yourself’), as applicable, the user, by Protect Underwriting LLP (‘Protect’, ‘We’, ‘Us’, ‘Our’), of this website, and the use by You of the website. It is important that You read these terms and conditions carefully. By using this website You are deemed to have accepted these terms and conditions in their entirety and You agree to use the website in accordance with them.

We may revise these terms and conditions by updating this posting. Any such modifications shall become effective immediately.

  • Due to the nature of the Internet and Our need to undertake website maintenance, We cannot guarantee to provide and maintain the website continuously and without interruption and faults.
  • You accept and acknowledge that the intellectual property in the website is owned by Us. You will not remove in whole or in part any trade marks, copyright and other proprietary notices contained in or appearing on any material You download and/or print from the website.
  • You recognise that the Internet is accessible to anyone with the appropriate technical capability and as such it is impossible to protect totally against abuse of the website by third parties, including the introduction of a virus, worm, trojan or other malicious software (‘Malicious Software’) onto the website. You acknowledge that it is Your responsibility to satisfy Yourself that Your own information technology is protected against Malicious Software.
  • You are responsible in all respects for the content of the material You place on the website about Yourself and Your insurance requirements, and You warrant, represent and undertake to Us that the information You supply to Us shall be accurate, complete, true and up to date.
  • You may use this website for viewing or requesting information. We may publish from time to time regarding Our business and other services available.
  • You are responsible for checking whether any policy wording contained on the website is suitable for You
  • No information We provide through the website shall be binding on Us. You acknowledge that reliance on any information or other material posted on the website is entirely at Your own risk. You should check all information directly with Us and should not rely on any material contained on the website as a statement, representation of fact or warranty.
  • As far as permitted by law, We shall not be liable for any loss, howsoever arising and whether or not as a result of negligence, whether direct or consequential, arising out of or in connection with this website. All warranties, undertakings, conditions and terms, express or implied, whether by common law, statute, custom, trade usage, course of dealings or otherwise (including without limitation as to quality, fitness for purpose, performance or suitability for purpose) in respect of the website are hereby excluded to the fullest extent permitted by law.
  • Nothing in these terms and conditions shall exclude Our liability to You for fraudulent misrepresentation by Us or Our employees or for death or personal injury resulting from Our negligence or that of Our employees.
  • These terms and conditions represent the entire agreement in relation to the subject matter of these terms and conditions between Us and supersede all other agreements and representations made by either party whether oral or written.
  • These terms and conditions shall be governed by and construed and interpreted in accordance with English law and the parties hereby submit to the exclusive jurisdiction of the English Courts.
  • Links to external websites, from this website, have been clearly labelled. You are responsible for checking the terms of use, privacy statement and disclaimer of any external website. Any use of such links is at Your own risk and We disclaim responsibility for their contents. You recognise that We do not control such websites and does not endorse the material available from them; a link does not imply any association with the operator of a website.
  • Calls to Us may be monitored and recorded for quality assurance purposes.

COMPLAINTS

We aim to provide you with a high quality service, and that includes quickly and fairly resolving any issues that may arise. If you feel we have made a mistake, or that we have not provided you with a good service, or you want to make a complaint please let us know.

The easiest way to make a complaint is to call us on +44 20 3889 7900, and we will try to resolve the problem immediately. Alternatively, you can write to us at 1st Floor, 63 St Mary Axe, London, EC8A 3AA, or by e-mail at complaints@protectunderwriting.com.

How we respond depends on where you live, but generally:

When we receive your complaint we aim to respond in writing within three working days, and we will send you a final response within eight weeks.

-If your policy was underwritten by underwriters at Lloyd’s, and you remain dissatisfied with the outcome of your complaint, you can contact the Lloyd’s Complaints Team who will undertake an independent review of the issue. They can be contacted on +44 20 7327 5693, or you can write to them at Complaints Team, Lloyd’s, Fidentia House, Walter Burke Way, Chatham Maritime, Chatham, Kent, ME4 4RN, or by e-mail at complaints@lloyds.com.

-If you ultimately remain dissatisfied with the outcome of your complaint, you can contact the Financial Ombudsman Service who will review the issue. They can be contacted on 0800 023 4567, or you can write to them at The Financial Ombudsman Service, Exchange Tower, London, E14 9SR, or by e-mail at complaint.info@financial.ombudsman.org.uk.

In telling us about issue or complaint, you consent to us using the information supplied, including any sensitive data, to investigate the matter and discharge our responsibility under the rules of the Financial Conduct Authority, Lloyd’s and the Financial Ombudsman Service. This process may involve disclosure of information to third parties.

PRIVACY POLICY

We take our obligations under the Data Protection Act and General Data Protection Regulation (“GDPR”) seriously and have adopted measures to ensure compliance.

We may collect and process data relating to you so that we can:

  • administer an insurance policy for you or that provides you with insurance cover. “Administer” means we may consider an application for, provide a quotation for, issue or administer a policy of insurance for you or that provides you with insurance cover,
  • provide you with a renewal quotation (subject to you continuing to meet our underwriting criteria), and
  • fulfil our obligations under various financial crime prevention laws.

Under the GDPR it is regarded that we process your data for the performance of a contract to which you are a party or in order to take steps at your request prior to entering into a contract, to meet your legitimate interests, and to comply with our legal obligations prior to entering into a contract.

We do not use automated decision making using your data.

The data that we may collect includes personal data such as the name, address, telephone numbers, e-mail address, date of birth, marital status and any criminal convictions of you and any other person who may be subject to the insurance policy.

We may collect data directly from you, from a party requesting an insurance policy that may cover you, and from an insurance intermediary. You are under no obligation to provide the data, but failure to do so may mean we cannot provide a quotation or issue a policy, that an existing policy with us is subject to cancellation, or that a claim under the policy may be denied.

The data we collect may be shared by us with other parties to allow us to administer the policy or to offer you a renewal. This includes underwriters, insurance intermediaries, claims handlers, and payment processors. We may also share it with insurance regulators and other authorities.

We retain this data for no longer than is required to administer the policy. This means that if no policy is issued, fifteen months after the policy was requested; and if a policy is issued, seven years after expiry of the policy. Your data may be stored outside of the United Kingdom as we utilise cloud storage.

Individuals have certain rights relating to their personal data, which are:

  1. The right to be informed
  2. The right of access
  3. The right to rectification
  4. The right to erasure
  5. The right to restrict processing
  6. The right to data portability
  7. The right to object
  8. Rights in relation to automated decision making and profiling.

If you wish to exercise any of these rights, please contact us at [link to our contact details].

If you have any concerns about privacy or data security please contact us. You also have the right to complain to the Information Commissioner’s Office https://ico.org.uk/

DISCLAIMER

Protect Underwriting LLP takes great care to ensure the information appearing on this site is accurate and up-to-date. However, errors and omissions can occasionally occur and the user should not take the accuracy of the information for granted but should check directly with us.

None of the material contained in this site is to be relied upon as a statement or representation of fact. We have no control over the use to which the information may be put by the user and accordingly shall not be liable for any loss of profits or contracts or any indirect or consequential loss or damage arising out of, or in connection with, the use of such information. The statutory rights of a client dealing with us as a consumer shall remain unaffected