Car privacy and security
Click one of the links below, or scroll down the page to see all of the information.
- Introduction
- Fraud prevention and detection
- Car Insurance
- Claims
- Information on products and services
- Renewal Information
- Premium collection
- Compensation arrangements
- Regulatory status
- Telephone calls
- Security
- Cookies
- Browser security
- Don't leave a computer unattended while using it
- Clear the browser's cache and history
- Don't save passwords
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Introduction
We recognise our responsibility to treat the information we obtain about you with care. Please take a few minutes to read this section carefully as it contains important information relating to the details that you've given or should give to us. It explains how we may use your details and tells you about the systems we have in place that allow us to detect and prevent fraudulent applications and claims. The savings that we make help us to keep our premiums low. You should show this notice to anyone covered under your insurance policy.
We use personal information about you:
- to provide you with a quote
- to administer your policy if you buy
- to maintain and improve the services we provide to you, and
- to research and tell you about other products and services.
Some of the personal information we ask you to provide may be sensitive. For example, with car insurance, you may have to give us information about your physical health and the physical health of other people who'll be insured to drive your car. We also need to know about any motoring offences that you and other people who'll be insured to drive your car may have.
We will use your data for statistical analysis and in the administration of your policy if you decide to buy.
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Fraud prevention and detection
To keep our premiums as low as possible, we participate in a number of insurance industry initiatives to prevent and detect crime. As a valued customer, we think you'll appreciate the steps we're taking to provide the best insurance cover.
To prevent and detect fraud we may at any time:
- share information about you and your claim with other organisations and public bodies including the police
- check and/or file your details with fraud prevention agencies and databases. If you give false or inaccurate information and we identify fraud, we'll record this. We and other organisations may also use and search these agencies and databases from the UK and other countries to:
- help make decisions about the provision and administration of insurance, credit and related services for you and members of your household
- trace debtors or beneficiaries, recover debt, prevent fraud, and to manage your accounts or insurance policies; or
- check your identity to prevent money laundering, unless you give us other satisfactory proof of identity
- check details of job applicants and employees
- Undertake credit searches and additional fraud searches.
If you would like to receive further details of the databases we access or contribute to, please write to the Data Protection Officer, Sheilas' Wheels, The Observatory, Reigate, Surrey, RH2 0SG or email us at DPO@sheilaswheels.com
To prevent fraud and to ensure that any payments or refunds can be paid to you, we keep your credit/debit card details for the duration of your policy. By providing your details, you consent to us doing this. -
Car Insurance
If you take out a Sheilas' Wheels car insurance policy, your policy details will be:
- Added to the Motor Insurance Database (MID), run by the Motor Insurers' Information Centre (MIIC). MID data may be used by the DVLA and DVLNI for the purpose of Electronic Vehicle Licensing and by the police for the purposes of establishing whether a driver's use of the vehicle is likely to be covered by a motor insurance policy and/or for preventing and detecting crime. If you're involved in an accident (in the UK or abroad), other UK insurers, the Motor Insurer's Bureau and MIIC may search the MID to obtain relevant policy information. Persons pursuing a claim in respect of a road traffic accident (including citizens of other countries) may also obtain relevant information which is held on the MID. You can find out more about this at www.miic.org.uk
- Passed to Green Flag if you choose breakdown cover with your car insurance. Green Flag breakdown assistance is underwritten by UKI Insurance Limited
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Claims
Under the conditions of your policy you must tell us about any insurance related incidents (such as fire, water damage, theft or an accident) whether or not they will give rise to a claim. When you tell us about an incident we'll pass information relating to it to a database. We may search these databases when you apply for insurance, in the event of any incident or claim, or at renewal to validate your claims history or that of any other person or property likely to be involved in the policy or claim.
If you make a claim we may need to give information about you and your policy to other people such as suppliers, investigators and loss adjusters. They'll only use the information to help us with your claim.
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Information on products and services
We, and our agents worldwide, will hold and use the information you've given us to provide the insurance services you asked for and for statistical analysis. Your information will always be protected by strict security and will only be used by our agents in accordance with our instructions. We may contact you by post, email, phone or SMS to keep you informed about other products and services offered by Halifax and Bank of Scotland group companies and for market research purposes, unless you've chosen not to receive such communications. If you would prefer us not to contact you, and haven't previously told us, please write to the Data Protection Officer, Sheilas' Wheels, The Observatory, Reigate, Surrey, RH2 0SG or email us at DPO@sheilaswheels.com.
You have the right to ask us for a copy of the information we hold about you in our records. You'll need to pay a small fee for this information. You have the right to ask us to correct any inaccuracies in your information.
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Renewal Information
Before the renewal date of your policy, we will provide you with details of the terms on which your policy may be renewed. If we are unable to offer a policy, we will let you know and you may be provided with details of the terms on which your cover will continue via another insurer in our group (We are part of the Halifax and Bank Of Scotland group). By taking out this policy you agree to allow a change of your insurer at renewal.
If you pay your premium by direct debit, your existing policy may be automatically renewed or your cover may continue to be provided through another insurer. You will be notified of this before your policy expires and you will be given details of the renewal terms including any change in your policy cover. If you do not wish to renew your policy, you should tell us before your renewal date. If you do not tell us and your policy is renewed, we will continue to make deductions from your bank account for the new premium. If your insurer changes at renewal, we will ask you to sign a new direct debit form. -
Premium collection
If you buy breakdown assistance cover, esure Insurance Limited will collect your premium for this cover. Sheilas' Wheels car insurance is underwritten by esure Insurance Limited. esure Insurance Limited is the agent of esure Services Limited who is acting on behalf of Green Flag.
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Compensation arrangements
Sheilas' Wheels Car Insurance is underwritten by esure Insurance Limited. esure Insurance Limited is covered by the Financial Services Compensation Scheme (FSCS). In the unlikely event that any firm providing insurance goes out of business or into liquidation, you may be entitled to compensation from the scheme. Generally the FSCS may arrange to transfer a policy to another insurer, provide a new policy or, if these actions are not possible, provide compensation. Further information about compensation scheme arrangements is available from the FSCS at 7th Floor Lloyds Chambers, Portsoken Street, London E1 8BN. Tel: 020 7892 7300 or www.fscs.org.uk
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Regulatory status
Sheilas' Wheels Car insurance is arranged and administered by esure Services Limited (no. 2135610) and is underwritten by esure Insurance Limited (no. 3885534), both are part of the Halifax and Bank of Scotland group. esure Services Limited and esure Insurance Limited are authorised and regulated by the Financial Services Authority (FSA) and are entered in the FSA register, number 312063 and 203350 respectively. The name, address and regulatory status can be checked by visiting the FSA website www.fsa.gov.uk/pages/register or by calling the FSA on 0845 606 1234.
The registered office for both companies is The Observatory, Reigate, Surrey,
RH2 0SG. -
Telephone calls
We may record telephone conversations to offer you additional security, resolve complaints and improve our service standards. Conversations may also be monitored for staff training purposes.
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Security
We believe that security is of the utmost importance to our customers, and we have what we believe are the most secure systems on the market.
We use the latest encryption technology, SSL or Secure Socket Layer, which protects your payment details and all your personal information. We're also registered with Verisign, a leading internet security company. To verify the site security, click on the Verisign logo below and this will immediately display our registration certificate. This is proof of our commitment to ensuring your security.
About SSL CertificatesIf you pay for your policy by credit card (but not by debit card), then you will also have the additional protection of the Consumer Credit Act. Your maximum liability on your credit card is £50 in the event that it's lost or stolen or used fraudulently and your liability stops as soon as you notify the credit card company that the card has been lost or stolen or used fraudulently.
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Cookies
We use sessional and persistent cookies to help us to enhance the level of service we provide to you. We use sessional cookies to record the areas of the site you visit and the length of time you spend viewing them. They don't identify a user by name. Your browser keeps track of sessional cookies as long as it's running, but deletes them when it's shut down.
We use 30 day persistent cookies if you come to our site from an affiliate site, as a means of tracking the effectiveness of our online advertising. These cookies don't identify a user by name, and are only used to record what site you came from and whether you return to the site within 30 days.
If you object to a cookie being placed on your computer, please adjust your browser to let you know when a cookie is issued or you can choose to have them disabled (although this will prevent us from providing you with a quote), though we may still use your personal data for statistical analysis and, if you decide to buy, in the administration of your policy. Please refer to the website www.aboutcookies.org for more detailed instructions on how to control or delete cookies.
This website also uses Google Analytics, a web service provided by Google Inc. ('Google'). Google Analytics use cookies to help us analyse how you use the site. The information generated by the cookie about your use of the website (including your IP address) will be transmitted to and stored by Google on servers in the United States. Google will use this information for the purpose of evaluating your use of the website, compiling reports on website activity for website operators and providing other services relating to website activity and internet usage. Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google’s behalf. Google will not associate your IP address with any other data held by Google. By using this website you consent to the processing of data about you by Google in the manner and for the purposes set out above.
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Browser security
At Sheilas' Wheels, we take the privacy and security of your data very seriously, and we use the latest security measures to protect it. Below are a few tips on how you can make your online experience more secure, especially when using a computer that is in a shared area, such as an office, or internet café.
This is not a comprehensive guide, and in addition to the advice below, you should always ensure that the computer you are using has all the latest security updates applied, including virus checking, firewall and/ or spyware detection software. If you have any doubts, you should consult an expert.
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Don't leave a computer unattended while using it
If someone uses the computer in your absence while you have personal information in a web browser session, they may be able to access this information. Consider locking the computer, closing the browser or both.
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Clear the browser's cache and history
Internet browsers keep a cache, containing a copy of the web pages you have visited, and this cache is often stored on the computer's local hard drive. Clearing the cache, or temporary internet files, is straightforward, and will help prevent subsequent computer users from viewing the sites you visited while you were online. See your browser's help regarding ‘temporary internet files’ or ‘private data’ for details on how to clear the cache, or ask your PC administrator.
Browsers also keep a record of the sites that you have recently visited, known as a history, and this should also be cleared when you have finished. You can usually do this via your browser’s 'Internet options' or 'Tools' menu, or by selecting 'clear private data' or 'clear history'.
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Don't save passwords
Most web browsers will offer to save passwords for you. You should not use this feature on a shared computer, as it may allow other users of this computer to access your data.
