Privacy notice

Your privacy is important to us and here at Ticker, we are committed to keeping your data protected. We have created this 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 (AR) of Davies MGA Services Limited, a company authorised and regulated by the Financial Conduct Authority under firm reference number 597301 to carry on insurance distribution activities. Ticker Limited Financial Conduct Authority firm reference number 824290. Ticker data controller registration number ZA444561. In this privacy notice, ‘we’, ‘us’, and ‘our’ refers to Ticker Limited.

 

What data do we collect?

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:

• General information such as your name, address, date of birth, marital status, UK residency years, driving licence number, the type of driving licence you have, your contact details including phone number and email address; we will also collect this for any named driver on the policy
• Information about what and who you want to insure such as the vehicle and any named drivers on the policy
• Your claims, motoring convictions, criminal convictions, County Court Judgements (CCJs) and credit history
• Personal information that we receive through anti-fraud databases and sanctions lists
• Any dashcam video footage that you send us in an event of an accident
• Special categories of personal data such as your health and medical conditions which may be used should you or a third-party make a claim
• Cookies when you visit our website – please visit our cookie notice for further information.
• Details of third parties in an event of a claim whether you are at fault or not
• Financial information such as your credit or debit card, credit information received from credit reference agencies as part of affordability checks and bank account details to set up your policy
• Ticker app data such as login events and app performance

Examples of connected data that we collect for new driver, van and electric vehicle insurance include:

• Date, time and location
• Speed, distance, braking, cornering and acceleration
• Crash and anti-tamper alerts

Examples of connected data that we collect for pay-per-mile insurance include:

• Date, time and location
• Mileage
• Crash and anti-tamper alerts

 

How do we collect data?

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

• When you request a quote from us from via the call centre, our direct website or via a price comparison website
• When you register a claim
• From your previous insurer to confirm your No Claims Discount (NCD) entitlement
• When you purchase our products and services or those provided by our partners
• When you make customer enquiries
• When we require additional information from you for validation purposes for example, photo uploads of your NCD and driving licence
• External organisations and databases such as credit reference agencies, the Motor Insurance Database, Claims and Underwriting Exchange, anti-fraud databases, criminal conviction checks and the DVLA
• Publicly available information such as social media, networking sites and electoral register
• Records of phone calls, SMS messages, emails and app notifications
• App performance data to improve the app connectivity and operations for customers

 

How is your data used?

We use your data in a number of ways, but not limited to:

• Processing your insurance quote to determine your eligibility for the product and return you a price using an automated decision
• To identify and prevent fraud
• Administering your policy including claims handling
• Verifying your identity and credit scoring
• Administering your loan including debt recoveries
• For research, development purposes and statistical purposes to improve our products
• Keeping you informed about our products and services, if you have opted in for such information
• For pay-per-mile policies: measuring mileage based on the connected data collected from the Ticker mile tracker
• For all other policies: monitoring driving events and device performance events

 

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:

• Our data enrichment provider – we share information concerning your request for a quote and your insurance policy with LexisNexis who help us to check your identity and evaluate your insurance risk. They do this by collecting data about you from public sources (such as the electoral register and insolvency service) and private databases (such as other insurers). For more information on LexisNexis, how they collect and process your data, your right to object and other data protection rights, please visit risk.lexisnexis.co.uk/consumer-and-data-access-policies/insurance.
• Our insurance partners to provide you with a quote, including ICE insurance who provide our policy administration and Carpenters group.
• Our Ticker box provider, AGM, who handle connected data.
• Our contact centre partner in Hood group.
• Our Ticker mile tracker provider, Trakm8, who handle connected data.
• Credit Reference Agency – please visit transunion.co.uk for further information.
• Third-party organisations from whom we get and with whom we also share your data, for example the Motor Insurance Database, Claims and Underwriting Exchange and anti-fraud databases.
• With suppliers acting on our behalf, for example, our policy administrators, our claims suppliers such as loss adjustors, solicitors, private investigators, vehicle repairers or car hire providers.
• Government organisations such as our regulators, the Financial Ombudsman Service (FOS); the police, Trading Standards.
• Our customer messaging platform: we use third-party analytics services to help understand your usage of our services. In particular, we provide a limited amount of your information (such as signup date and some personal information like your email address) to Intercom, Inc. (“Intercom”) and utilise Intercom to collect data for analytics purposes when you visit our website or use our product. As a data processor acting on our behalf, Intercom analyses your use of our website and/or product and tracks our relationship by way of cookies and similar technologies so that we can improve our service to you. For more information on Intercom’s use of cookies, please visit intercom.com. We may also use Intercom as a medium for communications, either through email, or through messages within our product(s). As part of our service agreements, Intercom collects publicly available contact and social information related to you, such as your email address, gender, company, job title, photos, website URLs, social network handles and physical addresses, to enhance your user experience. For more information on the privacy practices of Intercom, please visit intercom.com. Intercom’s services are governed by Intercom’s terms of use which can be found at intercom.com. If you would like to opt out of having this information collected by or submitted to Intercom, please contact us.
• Customer feedback: we use third-party customer feedback services to help us to understand how happy you are with our service and products.
• Feefo: We provide a limited amount of information (name, email address, mobile telephone number and policy number) to Feefo Holdings Limited (“Feefo”). As a data processor acting on our behalf, Feefo sends digital communications that include a link to a form where our customers can leave reviews and rate our service and products. The Feefo website uses cookies, which you can find information about at feefo.com. Use of the Feefo website is subject to the Feefo terms and privacy policy, which you can find at feefo.com. You can opt out of receiving feedback communications from Feefo by contacting us at [email protected] or by using the unsubscribe link in any Feefo email.
• TrustPilot: We provide a limited amount of information (name, email address, mobile telephone number and policy number) to TrustPilot A/S (“TrustPilot”). As a data processor acting on our behalf, TrustPilot sends digital communications that include a link to a form where our customers can leave reviews and rate our service and products. The TrustPilot website uses cookies, which you can find information about at Trustpilot.com. Use of the TrustPilot website is subject to the TrustPilot terms and privacy policy, which you can find at trustpilot.com. You can opt out of receiving feedback communications from TrustPilot by contacting us at [email protected] or by using the unsubscribe link in any TrustPilot email.
• Fraud prevention organisations and agencies such as Insurance Fraud Register; Claims and Underwriting Exchange (CUE) and the Motor Insurance Anti-Fraud and Theft Register.
• If we find you’ve given us false or inaccurate information we may pass your details to fraud prevention agencies. To prevent fraud and money laundering, we and other organisations, including law enforcement agencies may also access and use information recorded by fraud prevention agencies, for example, when:
  • Checking details on applications for credit, credit-related or other facilities.
  • Managing credit and credit-related accounts or facilities and recovering debt.
  • Checking details on proposals and claims for all types of insurance.
  • Completing credit and fraud searches, such as a driving licence checks.
  • Checking any fraud detected through your job applications and employment.
• Finance institutions to allow us to carry out a financial transaction in respect of your policy.
• Professional auditing bodies for auditing purposes.
• Third-party finance and debt collection management agencies PremFina.
• Our capacity provider Accredited Insurance (Europe) Limited – UK Branch and our appointed representative Davies MGA Services Limited.
• RAC breakdown recovery and RAC legal services
• With our reinsurers (and brokers of reinsurers) in connection with the normal operation of our business;
• We will disclose information collected by the Ticker box and app in the following circumstances:
  1. To our operational partners who provide the product and services to you;
  2. If we are required by law to disclose the information, such as to regulators or to the police. We will not pass any telematics device data to the police unless required to do so by law or if you provide us with authorisation to do so.
  3. We may also share your personal data if the structure and make-up of Ticker or our product providers change in the future. We may choose to sell, transfer or merge parts of our business or assets. We may also seek to acquire other businesses or merge with them. During this process, we may share your data with other parties. We’ll only do this if they agree to keep your data safe and private and used in the same way as explained within this privacy notice.

 

How long do we keep your personal information for?

Your personal data will be kept for a 7-year period, any deviation on this is 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 UK

The personal information we and our carefully selected third parties collect from you may be transferred to, stored and processed outside the United Kingdom (UK). 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 UK 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 UK. 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:

• A copy of your personal data held
• Have your data corrected if it is inaccurate or incomplete
• Have your data deleted or removed if it is no longer necessary for the purposes for which it was collected and where there is no other valid legal ground to retain it
• Restrict the processing of your personal data; this may only apply in certain circumstances
• Withdraw any consent you have given in respect of your personal data, however, in doing so, your insurance policy will need to be cancelled as we will no longer be able to administer your policy as per the terms of the contract
• Data portability – to retain and reuse your data in an electronic form for your own purposes or to request we pass the information to another organisation
• Obtain human intervention, where you are subject to a decision based solely on automated processing, including profiling, which has a significant effect on you, to express your point of view and/or to contest the decision
• Object where we’re processing your information on the grounds of it being in our legitimate interests to do so

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 27/10/2023. 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).