Privacy notice

Your privacy is important to us and here at Ticker, we are committed to keeping it protected. We have created this Customer Privacy Notice which will explain how we collect, use and protect your personal data. You should also show this privacy policy to any driver named on your insurance policy. You acknowledge that by providing your personal data to us and for any other driver named on the policy, you consent to its processing in the manners outlined within this notice.

Who we are

We are Ticker Limited trading as Ticker which is an appointed representative of Ambant Underwriting Services Limited, a company authorised and regulated by the Financial Conduct Authority under firm reference number 597301 to carry on insurance distribution activities. Ticker data controller registration number ZA444561. In this privacy notice, ‘we’, ‘us’, and ‘our’ refers to Ticker Limited.

What personal data we collect and why we collect it

In order for us to understand the level of insurance cover you require, to provide a quote and other services to you and manage those services, we will ask you to provide your personal data to us.

Examples of personal data that we collect include:

Examples of telematics data that we collect include:

How do we collect data?

Examples of the sources of information where we collect personal data:

Lawful reasons we process your data

  1. Performance of the contract – we use your and any named drivers’ personal information in order to provide you with an insurance quotation to help you decide whether Ticker insurance is right for you. This is achieved through the use of an automated decision to determine your eligibility and to calculate the price. If you then buy an insurance policy with us your personal information will be used to enable us to fulfil our contractual obligations with administering your policy and dealing with any claims that you are involved in.
  2. Our Legitimate Interests – we process your personal information when it is in our legitimate business interest to do so. These can be commercial or societal benefits and in order for us to process your data, we will always balance our interests against your own to ensure it is fair. The following processes rely on legitimate interest:
    • Fraud detection and prevention
    • Engaging and contacting you throughout the lifecycle of your policy to ensure you have a good experience as a Ticker customer and that we are administering your policy as per your expectations
  3. Maintaining our business records, policy and claims history about you
  4. To collect and recover money that is owed to us
  5. Setting reserves for any claim that you make
  6. Statistical analysis using your quote data (whether you accepted a policy or not) to refine our pricing models, our acceptance criteria to improve the accuracy of our premiums
  7. Sharing data with selected third parties in order to add value and improve our products
  8. Consent to marketing – if you’ve given us marketing permissions, we’ll sometimes contact you about relevant products or services. You can unsubscribe from emails or tell us to change your permissions anytime at [email protected]. We try to process your changes within five days.
  9. Compliance with our legal obligations – to meet responsibilities we have to our regulators, tax officials, law enforcement and fraud prevention agencies

Who do we share your personal information with?

We may share your personal information with:

How long do we keep your personal information for?

Your personal data will be kept for as long as we require it in order to provide you with the agreed product(s) or service(s). It will continue to be retained after any account, policy or service has been closed or otherwise come to an end in line with our legal and regulatory requirements, and for as long as you may legally bring claims against us.

Sending data outside of the EEA

The personal information we and our carefully selected third parties collect from you may be transferred to, stored and processed outside the European Economic Area (EEA). We or our service providers may use cloud based computer systems (i.e. network of remote servers hosted on the internet which process and store your information) to which foreign law enforcement agencies may have the power to require access. We will not transfer your information outside the EEA unless it was to a country our information regulator has assessed as having adequate data protection laws, or we had taken all reasonable steps to ensure the firm has the necessary privacy and security controls in place to protect your information as if it were in the EEA. Our contracts with these firms will detail the necessary requirements to ensure your information is protected. We will assess these firms’ security arrangements from time to time ensuring that they are only using your information as agreed.

Your rights and how to contact us

You have the right to:

If you have any questions about this privacy notice, including any requests to exercise your legal rights, please contact our data protection officer at [email protected]

When contacting us, please provide your full name, policy and/or quote number if applicable, address and date of birth and address.

Policy updates

We may update or amend this privacy notice from time to time to comply with the law or meet changing business requirements. Any changes to this policy will be posted on this page.

This version was last updated on 05/03/2019. Historic versions are archived and you can get these by contacting us.

How to make a complaint

If you wish to raise a complaint on how we have handled your personal information, please send an email to [email protected] or write to us using the address provided. Our Data Protection Officer will investigate your complaint and will give you additional information about how it will be handled. We aim to respond in a reasonable time, normally 30 days. If you are not satisfied with our response or believe we are not processing your personal information in compliance with UK Data Protection laws, you may lodge a complaint to the Information Commissioner’s Office.

Do you need extra help? If you would like this notice in another format (for example: audio, large print, braille) please contact us (see ‘How to contact us’ above).