Privacy Policy
Fresh Start is a trading style of Voyager Insurance Services Limited. Reference in this Privacy Policy to "we", "us" or "our" means Voyager Insurance Services Limited.
The Internet is not a secure medium. However, we are dedicated and committed to ensuring that your privacy is protected. The Privacy Policy explains the security measures we have put in place to protect your information and how we use the information we collect about you. We recommend you read it before you provide any information to us.
We will not collect personal information about you unless you have chosen to give it to us.
The information you provide us with will be used for the following purposes:
- To enable us to prepare a household insurance quotation and provide you with the product or service requested, undertake administration and generally service and maintain your policy, including responding to any query that you may raise with us.
- To store all the information you provide us, including information submitted via forms you complete on our website.
- To set up your personal profile to store your insurance policy records
We promise to respect your personal information. We will only request necessary information from you in order to obtain a quotation for household insurance for you. Voyager Insurance Services Ltd are registered under the Data Protection Act 1998 in that Personal Data shall be accurate and, where necessary kept up to date and that appropriate technical and organisational measures are taken against unauthorised or unlawful processing of personal data and against accidental loss or destruction of or damage to personal data.
How we protect customer information
We keep your information confidential and store it on a data server which is password protected. Internal procedures cover the storage, access and disclosure of your information. We use your information only in connection with use of this web site and will not pass your information to any third parties other those set out in the Policy. The payment system is secured using the standard 128-bit SSL encryption algorithm that is built into your web browser.
Your consent
By submitting your information you consent to us using that information as set out in this policy document.
A customer may properly give his or her spouse or partner's consent over the telephone or via the website provided he confirms that he has permission to do so. If the consent is written, the spouse must independently endorse such consent.
Subsequent to your purchase of a product or service, we may enter into an arrangement for that service to be provided by a new third party. If this happens, the terms and conditions of your contract with us will provide that you consent to the transfer and processing of personal and/or sensitive personal data to the new provider, subject to the requirement of the Data Protection Act 1998 and associated regulations.
Fraud
If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies.
Law enforcement agencies may access and use this information.
We and other organisations may also access and use this information to prevent fraud and money laundering, for example, when:
- Checking details on applications for credit and credit related or other facilities
- Managing credit and credit related accounts or facilities
- Recovering debt
- Checking details on proposals and claims for all types of insurance
- Checking details of job applicants and employees
We can provide details of the relevant fraud prevention agencies on request.
We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.
Claims History
Insurers pass information to the Claims and Underwriting Exchange Register, run by Insurance Database Services Ltd (IDS Ltd) and the Motor Insurance Anti-Fraud and Theft Register, run by the Association of British Insurers (ABI). The aim is to help us to check information provided and also to prevent fraudulent claims. When we deal with a request for insurance, we may search these registers.
Under the conditions of your policy, you must tell us about any incident (such as an accident or theft) which may or may not give rise to a claim. When you tell us about an incident, we will pass information relating to it to the registers. We may search these databases when you apply for insurance, in the event of any incident or claim, or at time of renewal to validate your claims history or that of any other person or property likely to be involved in the policy or claim.
Amendment and Retention of information
Please advise us in writing as to any changes in your circumstances. Obviously it is preferable for us to retain up to date information. We will amend details as required. We are however obliged and permitted by law and regulation to retain certain types of data for a minimum period of time. The minimum period of time tends to be for six years but can be longer if the statute or regulation requires.
Changes to our Privacy Policy
If we decide to change our Privacy Policy, we will update all relevant documentation and post any changes onto our website so that you are always aware of what information we collect, how we use it and under what circumstances we disclose it.
