Privacy & Cookies policy
Please read this notice carefully as it contains
important information about our use of your personal
information. You should also show it to anyone else insured
under your policy. It explains how we use all the information
we have about you and the other people insured under your
We are Express Insurance Services Limited and we are part of the
Ageas Group of companies. We may share information with other
companies in the group for any of the reasons set out in this
notice. If you want to know more about the Ageas group,
please go to www.ageas.co.uk
Some of the personal information that we ask you to provide is
known as "sensitive personal data". This includes information about
health issues, and any criminal convictions. We need to use
sensitive personal data to provide you with quotes, arrange and
manage your policy and to provide the services described in your
policy documents (such as dealing with claims).
We will use and share your information with your insurer and Ageas
Group Companies to arrange and manage your insurance policy
(including handling claims and issuing renewal documents and
information to you). We and your insurer will also use your
information to assess your insurance application and provide
information to credit reference agencies.
We and your insurer may have to share your information with
other insurers, regulatory authorities, business partners or agents
providing services to us or your insurer:
• to arrange your policy;
• to manage your policy including dealing with claims;
• for credit scoring purposes;
• to prevent or detect crime (see below);
• if we are required or permitted to do this by law (for
example, if we have a request from the police); and/or
• if you have given your permission.
Preventing and detecting crime
We and your insurer may use your personal information to prevent
• checking your information against our own and your insurer's
• sharing it with fraud prevention agencies; if false or inaccurate
information is provided and fraud is identified, details will be
passed to fraud prevention agencies to prevent fraud and money
laundering. Further details explaining how the information held by
fraud prevention agencies may be used can be obtained by the Data
Protection Officer at the address set out below.
• sharing it with operators of registers available to the
insurance industry to check information and prevent fraud. These
include the Claims and Underwriting Exchange Register. We and
your insurer may pass information relating to your insurance policy
and any incident (such as an accident, theft or loss), to the
operators of these registers; and/or
Dealing with others on your behalf
To help you manage your insurance policy, subject to answering
security questions, we will deal with you or your husband, wife or
partner whom we reasonably believe to be acting for you if they
call us on your behalf in connection with your policy. For your
protection only you can cancel your policy or change the
contact address; if your policy is in joint names, both of you must
We may use your personal information and information about your use
of our products and services for marketing and to carry out
research and analysis to help us meet your needs. We will only
share your information in this manner with your permission.
We may, for marketing purposes, share your personal information
with selected business partners for them to contact you about
products and services we think may be of interest to you.
We may contact you if you abandon or fail to complete an online
quotation to see if we can offer you any assistance with this.
As part of our service to you, we may ring you about any
quotation you receive from us.
We may also send you information via post, email and/or
telephone in accordance with your preferences.
If you do not want us to use your personal information for
marketing or research and analysis, please telephone us on 0845 330
Monitoring and recording
We may record or monitor calls for training purposes, to improve
the quality of our service and to prevent and detect fraud. We may
also use CCTV recording equipment in and around our premises
We may store copies of your information outside the European
Economic area. If we do this we will ensure that the information is
kept protected and secure.
In general you may visit our website without providing us with any
personal information. However, there are times when we may need
information from you, which includes your internet address, so that
we can track unique visits to our site to review issues such as who
visits and why they visit.
personalise the email and track whether the email has been opened
or read and whether the recipient has used any website links
contained in the email communication. This allows us to monitor and
improve our email communications and website.
Internet browsers normally accept cookies by default, although
it is possible to set a browser to reject cookies. We will
ask your permission before using any cookie that is not essential
to the email or the use of the website. However, refusing to accept
cookies may restrict your use of our website and/or delay or affect
the way in which our website operates.
We use third parties (such as Sitestat) to collate IP addresses
(amongst other things) to help us understand our internet traffic
data and data regarding your browser type and computer.
The open nature of the internet is such that data may flow over
networks without security measures, and may be accessed and used by
people other than those for whom the data is intended. While this
is out of our control, we aim to apply appropriate levels of
security at all times.
Our website uses Secure Socket Layer (SSL) to enhance security
when entering sensitive data while requesting an online quote. SSL
is the industry standard technology for protecting and maintaining
the security of message transmissions over the internet. When you
enter sensitive data from secured sites, encryption will scramble
your data into an unreadable format to discourage unauthorised
access by others.
What is a cookie?
A cookie is a text file containing small amounts of information
which are stored on your computer or device when you visit a
website. Cookies do not harm your computer, and they do not store
personally identifiable information such as credit card
Are there different types of cookies?
Yes. Some cookies are only placed on your computer for the
duration of your visit to our website, these are called session
based cookies. These automatically expire when you close down your
browser. The other type of cookie is known as a "persistent"
cookie. These cookies remain on your computer for a period of time
until they expire or are removed.
What are cookies used for?
Cookies make our website easier for you to use and provide you
with a more efficient customer experience. For example, they help
us to identify and resolve website errors, and they save you time
by not having to re-enter your details each time you visit. They
also help us personalise our service to you when you return to our
website. This information, which is stored in a first party cookie
on your computer, is fully secure and cannot be accessed by anyone
Cookies on third party websites
We have professional relationships with carefully selected and
monitored third parties who may also place cookies on your computer
either when you visit our website or across different websites.
These cookies allow us to show you different products and services
based on what you appear to be interested in.
Here's a list of cookies that are used on our website and what
they're used for:
||What is it used for?
||To track the source of business for online sales
||To allow us to ensure that our web pages are displaying
|Google Analytics Cookie
||Combination of persistent and session
||To analyse your use of our website, including the time you
spend on the site, the number of pages you visit and whether you
purchase a policy.
|ASP session ID Cookie
||To ensure that our website functions correctly
We're giving you this information as part of our initiative to
comply with recent legislation, and to make sure we're transparent
about your privacy when using our website.
Useful information about cookies, including how to remove them,
can be found at: http://www.allaboutcookies.org/manage-cookies/
If you require further information on, or wish to complain about,
the way that we use your personal information, please contact the
Data Protection Officer at 1 Masterton Way, Uddingston, G71
If you would like to have a copy of the information we hold
about you, please contact our Data Protection Officer, giving your
name, address and insurance policy number. We may charge you a fee
If we change the way that we use your personal information, we
will write to you to let you know. If you do not agree to that
change in use, you must let us know as soon as possible.
We keep this privacy notice under regular review and will
publish any updates on this web page. This privacy notice was last
updated on 15/08/12