Who we are
Amet insurance are a Managing General Agent (MGA) registered in Northern Ireland and writing Insurance business on behalf of Liberty Insurance dac. We recognise that protecting personal information is very important and that you have an interest in how we collect, use and share that information.
Legal basis for processing Your information
The information You provide, or We collect is collected and processed on the basis of legitimate interests. The processing of this information is in the interests of Us and You for the purposes of Us being able to provide a quotation, process a policy, manage mid-term adjustments and handle claims.
Who is responsible for Your personal information?
Amet Insurance and Liberty Insurance dac in Ireland are the registered ‘data controllers’. This means we have responsibilities under the GDPR to protect your information. You should show this notice to anyone who may also be covered by Your insurance Policy and make sure that You have their consent to share their information with us. If You require further information regarding Liberty Insurance dac’s Data Privacy Notice and Statement it can be viewed at www.libertyinsurance.ie/GDPR
What details do We collect and why?
We will use the information You provide, or We collect, to manage and handle Your insurance queries, applications and any Policy and related claims. This includes providing insurance for and handling claims with help from other companies including your insurer, Liberty Insurance dac and other companies within the Liberty Mutual Insurance Group. To provide You with products and services, We (or Our agents or subcontractors) hold information in Our systems. We may use Your personal information for Our business processes and activities including analysis, review, planning and business transactions, dealing with insurance or legal claims, and so We can meet Our legal and regulatory responsibilities
We may need to collect sensitive personal information (such as information about physical or mental health or medical conditions) about You and others named on the insurance Policy and other people involved in a claim. By taking out Our insurance policy or by giving Us Your personal information, including sensitive personal information, You will be agreeing that We, Our agents, other insurers and the other people We describe in this notice may process this information.
How we store the Information
We take great care to keep your personal information safe. Amet Insurance Solutions Ltd and its data operate within the Microsoft Azure Cloud Services platform.
Their computers are housed in secure data centres in the UK with heavily restricted access and numerous levels of security to prevent unauthorised access to those servers including firewalls and passwords. Microsoft provide comprehensive details on Azure Security and Privacy which can be viewed at www.microsoft.com/en-us/trustcenter/security/azure-security
Credit-reference checks and fraud-prevention, anti-money laundering and counter-terrorism financing checks
We may carry out a number of checks (before issuing a policy, when renewing a policy, or when We receive new information) against the details provided for the purpose of preventing fraud (CRIF Decision Solutions Ltd), money laundering (Sanctions Search) and checking the credit status of You and others (VisionNet). We may share the results of these checks with Your insurer, Liberty Insurance dac and other companies in the Liberty Mutual Insurance Group, other insurers and their agents, credit-reference agencies, fraud-prevention agencies and others concerned with fraud, the police and other law-enforcement agencies, government agencies or regulatory authorities, subject to data protection law and with your consent if required. We may use this information to help Us assess risk and credit and in Our insurance decisions and to meet Our legal and regulatory responsibilities. Other companies in the Liberty Mutual Insurance Group may do the same for similar purposes.
We may amend personal information so that You cannot be identified. That information will then not be covered by this notice or data-protection law. We may use it for insurance administration purposes including analysing trends, carrying out actuarial work, planning how We deliver services, assessing risk, costs and charges.
What details do We share, who with and why?
We may pass information about You and Your claims history to:
- Our agents and service providers and companies in the Liberty Mutual Insurance Group;
- other insurers, either directly or through people acting for Us and them (such as loss adjusters or private investigators, engineers and solicitors);
- any agent acting for You;
- recognised trade, governing and regulatory organisations we belong to or are governed by;
- the police, other law-enforcement agencies, government agencies or regulatory authorities, and any other person or organisation if this is needed by law; and
- any other person, where necessary, to perform any insurance contract with You, so we can protect ourselves from risk or to make sure we meet with regulations or good governance.
We share information with the Claims and Underwriting Exchange Register (CUE) and the Motor Insurance Anti-Fraud and Theft Register (MIAFTR), run by the Motor Insurers’ Bureau (MIB). The aim is to help Us check information provided and also to prevent fraud. Under the conditions of Your Policy, You must tell Us about any incident which could lead to a claim. When You tell Us about an incident, we will pass information about it to the register. Your Policy details will be added to the Motor Insurance Database (MID) managed by the Motor Insurers’ Bureau (MIB). MID and the information stored on it may be used by certain government or other authorised organisations including the police, the DVLA and the DVANI, the Insurance Fraud Bureau and other organisations allowed by law for purposes including:
- electronic vehicle licensing;
- continuous insurance enforcement (a scheme introduced by the Department of Transport to reduce uninsured driving);
- law enforcement (preventing and detecting crime and catching and prosecuting offenders); and
- providing government services or other services aimed at reducing the number of people who drive without insurance.
If You are involved in a road-traffic accident (in the UK, the EEA or certain other territories), insurers or the Motor Insurers’ Bureau may search the MID to find relevant policy information. Anyone making a claim in connection with a road traffic accident may also get relevant information from the MID. The MID must hold Your correct registration number. If it is incorrectly shown on the MID, You are at risk of having Your vehicle seized by the police. You can check that Your correct registration number details are shown on the MID at www.askmid.com. You can find out more about this from Us or by visiting the website at www.mib.org.uk. We may also transfer Your information to other countries (further details below).
Certain information relating to your insurance policy including, without limitation, the policy number(s), employer(s) names and addresses (including subsidiaries and any relevant changes of name), coverage dates, employer(s) reference numbers provided by Her Majesty’s Revenue and Customs and Companies House Reference Numbers (if relevant), will be provided to the Employers’ Liability Tracing Office, (the ‘ELTO’) and added to an electronic database (the ‘Database’).
This information will be made available in a specified and readily accessible form as required by the Employers’ Liability Insurance: Disclosure By Insurers (No.4) Instrument 2013. This information will be subject to regular periodic updating and certification and will be audited on an annual basis.
The Database will assist individual consumer claimants who have suffered an employment related injury or disease arising out of their course of employment in the UK for employers’ carrying on, or who carried on, business in the UK and who are covered by the Employers’ Liability insurance of their employers’, (the ‘Claimants’):
- to identify which insurer (or insurers) was (or were) providing Employers’ Liability cover during the relevant periods of employment; and
- to identify the relevant Employers’ Liability insurance policies.
The Database will be managed by the ELTO.
The Database and the data stored on it may be accessed and used by the Claimants, their appointed representatives, insurers with potential liability for UK commercial lines Employers’ Liability insurance cover and any other persons or entities permitted by law.
Where are Your details sent
We will hold personal information in Our data systems including those owned or managed by Liberty Mutual Insurance Group companies and Our or their agents and other service providers. This information may be stored by cloud (internet storage providers) and may also be transferred outside of the European Economic Area including to Liberty Mutual Insurance Group companies. By using contractual agreements with Our service providers, we make sure that no personal information is transferred outside of the EEA unless that country has an adequate level of protection in relation to processing personal information. By giving Us personal information, You agree to the transfer, storing or processing of the information as outlined above.
Retention and destruction
Amet Insurance will retain information based on regulatory and statutory requirements. Data not covered by statutory requirements are assigned retention periods based on Amet’s administrative and operational requirements and will not be kept for longer than is necessary for the purposes for which the personal data are processed. Upon expiration of the applicable retention period data shall be deleted and rendered unrecoverable using available practices and technologies.
We may contact You in relation to your policy and contact may be made by a number of communication methods in addition to traditional correspondence, see below.
How we might contact You
- By phone
- By post
- By email
Why might We contact You?
- About an enquiry You have made;
- In relation to Your policy or quote;
- To tell You about any important changes;
- To ask for Your feedback or views on the products and services We provide; or
- Where there is another genuine reason for doing so.
You can ask Us for a copy of the information we hold about You. You can do so by writing to Our Managing Director at firstname.lastname@example.org or to Our information mailbox email@example.com. Please allow up to 1 month for Us to send this information to You. You may also ask Us to change or delete any information we hold about You or restrict the processing or object to the processing of the information we hold about You.
Who we Share Information with
Below we have provided some further information on those Third Parties we may share information with. You will also gain further information regarding their security and privacy statements through the links provided.
Microsoft Azure Cloud Services
Microsoft Azure is a cloud computing service created by Microsoft for building, testing, deploying, and managing applications and services through a global network of Microsoft-managed data centres.
Their computers are housed in secure data centres in the UK with heavily restricted access and numerous levels of security to prevent unauthorised access to those servers including firewalls and passwords.
Microsoft provide comprehensive details on Azure Security and Privacy which can be viewed at: https://www.microsoft.com/en-us/trustcenter/security/azure-security
CRIF Decision Solutions Ltd
Established in the UK in 1997, CRIF Decision Solutions Ltd. is part of the CRIF Group. The company provides added-value solutions, consumer profiling and information services for the UK legal professions and insurance industry to support decision management and fraud prevention. It is also the outsourcer appointed by Claims Portal Ltd. to operate the RTA, EL and PL portal. CRIF Decision Solutions Ltd has been supporting the UK insurance industry for 20 years and is a provider of the Claims and Underwriting Exchange Register (CUE).
The MIB Group consists of the Motor Insurers’ Bureau (MIB) and subsidiary companies Tracing Services Limited, MIB Management Services Limited and MIB Portal Services Limited.
Through these subsidiaries, in addition to managing <strong>CUE (Claims and Underwriting Exchange)</strong>, <strong>MIAFTR (Motor Insurance Anti-Fraud & Theft Register)</strong> and the Claims Portal, they also provide management services to the <strong>Employers’ Liability Tracing Office (ELTO)</strong> and support services to the Insurance Fraud Bureau (IFB).
Claims & Underwriting Exchange (CUE)
CUE is a central database of motor, home and personal injury/industrial illness incidents reported to insurance companies which may or may not have given rise to a claim. Information held on CUE is a powerful weapon in the fight against fraud.
CUE was established in 1994 to help fight insurance fraud. By enabling insurers to access details of incidents, it makes it harder to successfully commit claims fraud or misrepresent claims history. Ultimately, this helps to keep down the cost of insurance for honest policyholders.
The Motor Insurance Database (MID)
The MID is the central record of all insured vehicles in the UK. It is managed by the MIB and is used by the Police and the Driver and Vehicle Licensing Agency (DVLA) to enforce motor insurance laws.
MIB shares the information on the database with the information held at the DVLA to identify uninsured vehicles under the Continuous Insurance Enforcement (CIE) scheme. Enforcement agencies and the police also use the MID to tackle uninsured driving. They have the power to remove uninsured vehicles from UK roads.
Employers’ Liability Tracing Office (ELTO)
The ELTO service has been introduced by the insurance industry to make it easier to search for EL insurance policies using a central database – containing all new and renewed EL insurance policies from April 2011, policies from before April 2011 that have new claims made against them and policies that were identified through the previous tracing service.
Motor Insurers Anti-Fraud and Theft Register (MIAFTR)
MIAFTR is a database containing records of written off and stolen vehicles, as defined by the Code of Practice for the Disposal of Motor Vehicle Salvage. MIAFTR was designed and developed to help monitor vehicles written off for insurance purposes, to help trace and recover stolen vehicles and to help detect fraud.
All firms undertaking any sort of financial transaction, or providing advice on any financial transaction, need to ensure that their client is not on the Financial Sanctions list.
Whilst the list is freely available to all who need to see it, we use the searches provided by Sanctions Search to ensure that our policyholders are not on the list.
Through Sanctions Search we attain a robust audit trail to allow us to ‘evidence’ and ‘demonstrate’ that we initially checked that clients were not on the Financial Sanctions List and that we regularly screen our policyholders against future lists.
Vision-net, A CRIF Company, is one of Ireland’s leading providers of credit information on businesses and private individuals. Their suite of information services enable us to check our Policyholders in relation to your credit status.