01233 501234

Meridian Commercial Insurance - Privacy Policy

Meridian Commercial Insurance (Services) Ltd are committed to protecting and respecting your privacy. This policy sets out how we may use any personal data we collect from you or that you provide to us. This policy is written in accordance with the European Unions General Data Protection Regulation (GDPR).

Data Controller

Meridian Commercial Insurance (Services) Ltd Limited
01233 501234
info@mciashford.co.uk
Unit 8 Invicta Business Centre, Orbital Park, Ashford Kent TN24 0HB

Data Protection Contact

Colin Binder
01233 501234
colin.binder@mciashford.co.uk
Unit 8 Invicta Business Centre, Orbital Park, Ashford Kent TN24 0HB

1. WHAT INFORMATION DO WE COLLECT?

Your personal data is required by Meridian Commercial Insurance (Services) Ltd for communication and setting up a contractual agreement to provide products and services. Without this personal data, Meridian Commercial Insurance (Services) Ltd will not be able to communicate with you or provide you with a professional insurance broking service.

Meridian Commercial Insurance (Services) Ltd collect personal information such as your name, address, email address and date of birth, as well as other information that relates to the risk to be insured. Bank account and payment details may also be collected to allow your annual premiums to be collected by monthly instalments via a third party. Meridian Commercial Insurance (Services) Ltd may also collect additional information obtained following a credit assessment or in order for a claim incident to be progressed.

1.1. How is it collected
  • We collect identifying information via forms sent to you to complete, telephone and email.
  • Some of our in-bound and out-bound calls are recorded to allow us to continue to monitor the service provided by our staff and to prevent fraud.
  • Credit searches carried out based on the initial personal data provided will allow us to collect additional information used in order for us to provide you with a professional insurance broking service.

2. HOW WILL WE USE & SHARE YOUR INFORMATION?

Meridian Commercial Insurance (Services) Ltd will share your information with insurance companies, service providers and partners to assist in the administration and performance of our service to you and your insurance policy.

In order for Meridian Commercial Insurance (Services) Ltd to conduct business and fulfil our legal, regulatory and contractual obligations, we need to perform legitimate processing of your data. Information collected by Meridian Commercial Insurance (Services) Ltd may be shared as part of our process, with individuals as well as other organisations. Below are some descriptions of the types of organisations Meridian Commercial Insurance (Services) Ltd may need to share personal data with.

  • Insurers/Reinsurers
  • Third party agents
  • Central government
  • Regulatory authorities and Ombudsmen that we are governed by
  • Credit reference agencies
  • Financial organisations
  • Health & welfare organisations
  • Employments agencies
  • Insurance Databases
  • Other companies within the same group
  • Payroll agent
  • Pension provider

Any payment details provided by you will be used by Meridian Commercial Insurance (Services) Ltd to renew your policy or process refunds or any other charges.

In the case of current and former employees of Meridian Commercial Insurance (Services) Ltd, information we collect will be used to complete our obligations to you as our client. We may also have to share this personal information as part of a reference with any of the types of organisations listed above.

Where permitted, we will keep you up to date about our products and services that may interest you. If you have indicated that you prefer not to be informed, we will make sure that you are not contacted in this way. You can update your preference at any time by contacting us with the details provided.

HOW WILL WE STORE YOUR PERSONAL DATA?

Your personal data collected by Meridian Commercial Insurance (Services) Ltd may be stored and processed in the United Kingdom or any other country in which Meridian Commercial Insurance (Services) Ltd or associated third parties maintain facilities. Where Meridian Commercial Insurance (Services) Ltd need to transfer your personal data, we have put in place reasonable procedures and securities to make sure that this complies with GDPR.

1. Keeping your personal data

Meridian Commercial Insurance (Services) Ltd may be required to keep specific records to fulfil statutory or regulatory requirements; to meet our operational needs; to meet any historical purposes. Personal data that is collected and subsequently never used for any business purpose will be reviewed and may be destroyed at Meridian Commercial Insurance (Services) Ltd’ discretion

YOUR RIGHTS

Your rights regarding the personal data we store on your behalf include:

  • Access to a copy of your personal data that we hold
  • Requesting that we not send you direct marketing material
  • Requesting that inaccurate personal data be corrected, blocked, or deleted

You can exercise your rights at any time by contacting Meridian Commercial Insurance (Services) Ltd using the information within this policy.

2. Withdrawing

You have the right to ask us to withdraw your consent to our processing and holding of any sensitive data such as criminal convictions and health data. However, if you do so, this will be treated as a potential request to cancel your policy, as this information is necessary for us to effectively manage your policy. Please note, a cancellation fee could be payable if requested by the insurer.

3. Complaining

In addition to your rights under our Terms of Business Agreement, you also have the right to raise a privacy complaint with the Information Commissioner’s Office (ICO).