Privacy & Cookies

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 policy.

In this notice, ‘we’, ‘us’ and ‘our’ means the Ageas Group (which includes Ageas Retail Limited and any holding companies, subsidiaries and other linked companies) and Virgin Money Personal Financial Service Limited. If you want to know more about Virgin Money, please go to www.virginmoney.com. If you want to know more about the Ageas Group, please go to www.ageas.co.uk.

Virgin Money Home Insurance is promoted and arranged by Virgin Money Personal Financial Service L td part of the Virgin Money Group of companies and arranged and administered by Ageas Retail Limited part of the Ageas Group of companies.

Virgin Money Personal Financial Service Ltd (Company No. 3072766) is registered in England and Wales. Registered Office - Jubilee House, Gosforth, Newcastle upon Tyne NE3 4PL.

Ageas Retail Limited (Company No. 1324965) is registered in England and Wales. Registered Office - Ageas House, Hampshire Corporate Park, Templars Way, Eastleigh, Hampshire SO53 3YA.

We may share your information with other companies in our group of companies for any of the purposes set out in this notice, including the prevention and detection of crime (fraud) and debt recovery.

Please note that if you give us false or inaccurate information this could give us or your insurer the right to avoid or cancel your insurance policy or it could impact your ability to claim.

Sensitive information

Some of the personal information that we may ask you to provide may constitute "sensitive personal data". This may include, without limitation, information relating to health issues and any criminal convictions. We may 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).

Using and Sharing your Information

We will use and share your information including sensitive personal data with your insurer, Ageas Group Companies, regulatory authorities, business partners or agents providing services to us or your insurer in order to:


We may share your information with other Ageas Group Companies in order to provide you with an alternative quote. We will only share your information in this manner with your permission.

Credit Scoring

Your information may be passed to a credit reference agency to provide you with your initial insurance quotation, throughout the policy period and at renewal stage. The credit reference agency will search using full electoral roll, public information and previous search records. A record of this search will be retained by the credit reference agency but will not affect your ability to obtain other financial products. The search will be shown as being completed by our software supplier, CDL, and will be recorded on your credit report.

Preventing and detecting crime

We and your insurer may use your personal information to prevent crime. In order to prevent crime we may:


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, or any other person 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.

Marketing

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 use your personal information to tell you about other products and services if you agree to this. You can change your mind at any time by telephoning us on 0330 303 1123.

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.

Additional Purposes

We may share your information for other purposes not set out in this notice but will only do so with your permission.

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.

Storage Overseas

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.

Our website

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.

Our web site may contain links to other web sites which are outside our control and not covered by this Privacy & Cookies policy. If you access these websites using the links provided, the operators of these sites may collect information from you and you should read their privacy policy to see how they will use this information.

Cookies

A cookie is a small text file sent to your computer. Cookies are commonly used on the internet and cannot harm a user's computer system. Internet browsers normally accept cookies by default, although it is possible to set a browser to reject cookies.

Our website uses some cookies that are strictly necessary for you to use its features, such as obtaining an insurance quote, or accessing secure areas of the website. Refusing to accept cookies will therefore restrict your use of our website.

We also use 'analytical' cookies to help us recognise and count the number of visitors and to see how visitors move around our site when they're using it. This helps us to improve the way our website works, for example by making sure users are finding what they need easily.

We may use cookies in our email communications, these track whether the email has been opened, read, or any links within the email have been used. This allows us to improve our email communications with you.

Most Internet browsers allow you to turn off the cookie function. If you want to know how to do this please look at the help menu on your browser. However this will restrict the services you can use.

If you wish to know more about cookies visit www.aboutcookies.org

Further information

You are entitled to receive a copy of any of your personal information we hold. If you would like to receive a copy, or if you would like further information on, or wish to complain about, the way that we use your personal information, please write to the Data Protection Officer at Prospect House, Gordon Banks Drive, Stoke-on-Trent, ST4 4TW giving your name, address and insurance policy number. We may charge you a small fee for this.

If any of your details are incorrect, let us know and we'll amend them straight away, and confirm to you that these have been made.

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 1st July 2015

If you'd like to talk to us please call:
Telephone icon
0330 303 1123

We are here from Mon - Fri: 8am - 8pm, Saturday: 9am - 4pm. Calls use inclusive minutes if available as part of your phone package. If not, they cost no more than a national rate call to an 01 or 02 number. Calls may be monitored and recorded.

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