Privacy and cookies

INTRODUCTION

We (One Quote Direct Insurance Services Limited trading as Octagon Insurance Services) are committed to ensuring that your privacy is protected. This policy explains how we use the information collected about you.

By submitting any information about you, and where applicable others, you and they consent to its use as set out in this Privacy Policy. If you provide us with information about another person, you confirm that they have appointed you to act for them, to consent to the processing of their personal data and that you have informed them of our identity and the purposes for which their personal data will be processed.

WHAT DO WE USE YOUR INFORMATION FOR?

When you request a quotation or buy Motor insurance from us, we need to know your name, address and other relevant personal and factual information. This enables us to issue quotations and insurance, and undertake policy administration for example, deal with a claim, statistical analysis and underwriting a policy. This information is then used by your Insurer and ourselves and any contracted suppliers to communicate with you on any matter relating to your Motor insurance.

DEALING WITH OTHER PEOPLE

In addition to providing information to, and taking instructions from you, we will also deal with your spouse or civil partner if they contact us on your behalf, provided that they are included as a named driver on your insurance policy or quotation. We may also deal with other individuals who contact us on your behalf, if you are available to provide your express consent when they contact us. However we will only accept changes of address and instructions to cancel your policy from you. If at any time you would prefer for us to only deal with you, please let us know.

SENSITIVE DATA

In order to assess the terms of the insurance contract or administer claims which arise, we may also need to collect data about you or others which the Data Protection Act defines as sensitive (such as medical history or criminal convictions) with such information being processed and shared by your insurer and us.

Licence and Motoring Offences

If you provide driving licence numbers they may be passed to the DVLA in order for a search to be carried out to confirm your (or any named driver’s) licence status, entitlement and relevant restriction information and endorsement/conviction data. Searches may be carried out as part of your quote and at any point throughout the duration of your insurance policy. A search with the DVLA will not show on your (or the named driver’s) driving licence record. For details relating to information held about you by the DVLA, please visit www.dvla.gov.uk. Undertaking searches using your driving licence number helps insurers check information to prevent fraud and reduce incidences of negligent misrepresentation and non-disclosure.

Your personal data will not be used for marketing. It will only be shared within organisations involved with the administration of your insurance policy or as otherwise set out in this Data Protection Notice.

Credit Search and Identity Check

We use information obtained from credit reference agencies who will check the details supplied against any database, public or otherwise. This helps us to confirm your identity, allows us to give you a quote and decide which payment options we can offer you, for example, paying monthly.
You will see a record of this Credit search if you request a Credit Report. No other organisation who may conduct credit searches will be able to see it.

Motor Insurance Database

Your policy details will be added to the Motor Insurance Database (‘MID’) which is managed by the Motor Insurers’ Bureau (‘MIB’). The MID and the data stored on it may be used by the Police, the DVLA, the DVANI, the Insurance Fraud Bureau and other bodies permitted by law for purposes not limited to but including:

If you’re involved in a road traffic accident (either in the UK or abroad), insurers and/or the MIB may search the MID to obtain relevant information.

Other persons (including their appointed representatives) pursuing a claim in respect of a road traffic accident (including foreign citizens) may also obtain relevant information held on the MID.
It’s vital that the MID holds your correct registration number. If not you risk the Police seizing your vehicle. You can check that your correct registration number is shown on the MID at www.askmid.com

FRAUD PREVENTION, DETECTION AND CLAIMS HISTORY

In order to detect and prevent fraud your insurer and we may at any time pass your details to internal and external data validation and fraud prevention systems. This may include a claims verification system. Your details may also be checked against records held by external fraud prevention agencies. If you give us false or inaccurate information or we suspect or detect fraud, we will record this and share it with other insurers and fraud prevention agencies. Law enforcement agencies may access and use this information in order to prevent and detect crime

We and other organisations may also use this information to prevent fraud and money laundering, for example, when:

Please contact us on 0344 561 4615 if you want to receive details of the relevant fraud prevention agencies. We and other organisations may offer access to this data to agencies in other countries in order to prevent global fraud.

MARKETING

Unless you have already informed us to the contrary, One Quote Direct Insurance Services Limited and Europa Group Limited would like to keep you informed, by telephone, post, text or email of selected products and services available from them and their carefully chosen suppliers.

If you would prefer not to receive marketing communications from us and have not previously advised us of this, please contact us on 0344 561 4615 or e-mail customerservices@octagoninsurance.com.

TELEPHONE CALLS

For our mutual protection and training purposes, any telephone calls to or from our Contact Centre will be recorded and may be monitored.

INACCURATE INFORMATION

If you know or think that the information we are holding about you is inaccurate or out of date please contact us and we will be happy to correct any errors.

DATA PROTECTION

Europa Group Limited is licensed by the Information Commissioner as a data processor and controller. We adhere to the principles of the Data Protection Act and will use any available data solely for the purpose intended. You also have the right to request a copy of all the personal information we hold about you. To do this, simply write to us at the following address enclosing a cheque for £10 payable to One Quote Direct Insurance Services Limited to cover our administrative costs in dealing with your request: Data Protection Officer, One Quote Direct Insurance Services Limited, Europa House, Midland Way, Thornbury, Bristol, BS35 2JX.

ENGLISH LAW

Policies shall be interpreted under, governed by and construed in accordance with the laws of England and Wales.

WHAT ARE COOKIES?

Cookies are small text files that are placed on your computer by websites that you visit. They are widely used in order to make websites work, or work more efficiently, as well as to provide information to the owners of the site. To purchase products on our websites you need to have cookies enabled.

Cookies are commonly used on the Internet and do not harm your computer. We don’t store personally identifiable information such as credit card details in cookies we create, but we do use encrypted information gathered from them to help improve your experience of the site. For example, they help us to identify and resolve errors.

Visit our cookies webpage area to find out details about what cookies we use and why.

More information about 3rd party advertising Cookies

We may engage in advertising on other websites to promote our websites. The advertising partners we use may serve adverts that it believes are most likely to be of interest to you, based on information about your visit to this and other websites (this information is anonymous in that it does not include your name, street address, email address or telephone number). In order to do this, our advertising partner may need to place a cookie on your computer. For more information about this type of online behavioural advertising and how to turn this feature off, please visit www.youronlinechoices.com/uk/your-ad-choices.

Managing Cookies

You can choose to prevent your computer from accepting cookies, however it will mean that some features of our websites will not work properly and may restrict your user experience. For example, you may not be able to purchase our products online. Most web browsers allow some control of most cookies through the browser settings. To find out more about cookies, including how to see what cookies have been set and how to manage and delete them, visit www.allaboutcookies.org.

Read more about Cookies

LINKS TO THIRD PARTY WEBSITES

In this Website certain links, including hypertext links, will lead you to websites that are not under our control (“Third Party Sites”). These links are provided for your information and convenience and the inclusion of any link does not imply endorsement by us in any way of the Third Party Site. We are not responsible for the content of any Third Party Sites or for the legal consequences of you entering into any contracts with third parties as a result.

WEBSITE SECURITY

Our website uses firewall technology as a standard Internet security measure to prevent the loss, misuse and alteration of the information under our control. Our web servers are located in a high security and high availability co-location facility professionally managed by a third party. The servers that we store personally identifiable information on are kept in a secure environment. This website takes every precaution to protect our users’ information. When users submit sensitive information via the website, your information is protected both online and offline. We do everything in our power to protect user-information offline. Only employees who need the information to perform a specific task are granted access to personally identifiable information.

AMENDMENTS TO PRIVACY POLICY

Please note that we keep the content of this Privacy Policy under review and that, from time to time, we may amend or update the content without informing you in advance. The website will always display the current version of the Privacy Policy.

By using, or continuing to use, the website, or otherwise requesting that we provide you with services, you acknowledge that you accept any such amendments or updates and so we recommend that you review this Privacy Policy regularly. No amendments or updates to this Privacy Policy will affect your right to choose not to give consent to your personal information being used for our, and/or third parties’, marketing purposes, as set out above.

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One Quote Direct Insurance Services Limited trading as Octagon Insurance Services are an appointed representative of Europa Group Limited and act as a credit broker and not a lender in relation to premium finance contracts. Europa Group Limited is authorised and regulated by the Financial Conduct Authority, Financial Services Register No. 309794. Registered as a limited company in England and Wales No. 5479983. Registered office: Europa House, Midland Way, Thornbury, Bristol, BS35 2JX.

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Customers with a policy that started on or before 31st December 2016 can continue to use this website as usual.
Customers with a policy that renewed on or after 1st January 2017 – the details on this website will not be relevant to your policy, please see your renewal pack for further information.

By continuing to use the Octagon website, you consent to our use of cookies. Read our Cookie Policy to learn more.