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How we share your personal information with others
We may share your personal information:
• with the Aviva group, our agents and third parties who provide services to us, the Administrator and Aon UK Limited, and other insurers (either directly or via
those acting for the insurer such as loss adjusters or investigators) to help us administer our products and services,
• with regulatory bodies and law enforcement bodies, including the police, e.g. if we are required to do so to comply with a relevant legal or regulatory
obligation,
• with other organisations including insurers, public bodies and the police (either directly or using shared databases) for fraud prevention and detection
purposes,
• with reinsurers who provide reinsurance services to Aviva and for each other in respect of risks underwritten by Aviva, with insurers who cover Aviva under
its group insurance policies and with our brokers who arrange and manage such reinsurance and insurance arrangements.They will use your data to decide
whether to provide reinsurance and insurance cover, arrange and manage such cover, assess and deal with insurance and reinsurance claims under such
cover and to meet legal obligations.They will keep your data for the period necessary for these purposes and may need to disclose it to other companies
within their group, their agents and third party service providers, law enforcement and regulatory bodies.
Some of the organisations we share information with may be located outside of the European Economic Area (“EEA”). We’ll always take steps to ensure that
any transfer of information outside of the EEA is carefully managed to protect your privacy rights. For more information on this please see our Privacy Policy or
contact us.
How long we keep your personal information for
We maintain a retention policy to ensure we only keep personal information for as long as we reasonably need it for the purposes explained in this notice.We
need to keep information for the period necessary to administer your insurance and deal with claims and queries on your policy.We may also need to keep
information after our relationship with you has ended, for example to ensure we have an accurate record in the event of any complaints or challenges, carry
out relevant fraud checks, or where we are required to do so for legal, regulatory or tax purposes.
Your rights
You have various rights in relation to your personal information, including the right to request access to your personal information, correct any mistakes on our
records, erase or restrict records where they are no longer required, object to use of personal information based on legitimate business interests, including
profiling and marketing, ask not to be subject to automated decision making if the decision produces legal or other significant effects on you, and data
portability. For more details in relation to your rights, including how to exercise them, please see our full privacy policy or contact us – refer to the
“Contacting us” details below.
Contacting us
If you have any questions about how we use personal information, or if you want to exercise your rights stated above, please contact our Data Protection team
by either emailing them at dataprt@aviva.com or writing to the Data Protection Officer, Level 5, Pitheavlis, Perth PH2 0NH.
If you have a complaint or concern about how we use your personal information, please contact us in the first instance and we will attempt to resolve the issue
as soon as possible.You also have the right to lodge a complaint with the Information Commissioners Office at any time.
Fraud Prevention and Detection
In order to prevent and detect fraud we may at any time:
• Share information about you with other organisations and public bodies including the Police;
• Undertake credit searches and additional fraud searches;
• Check and/or file your details with fraud prevention agencies and databases, and if you give us false or inaccurate information and we suspect fraud, we will
record this to prevent fraud and money laundering.
We can supply on request further details of the agencies and databases we access or contribute to and how this information may be used. If you require
further details please contact us at: Policy Investigation Unit, Aviva, Cruan Business Centre, Westerhill Business Park, 123 Westerhill Road, Bishopbriggs,
Glasgow, G64 2QR. Telephone: 0345 300 0597. Email: PIUUKDI@AVIVA.COM
We and other organisations may also search these agencies and databases 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;
• Check your identity to prevent money laundering, unless you provide us with other satisfactory proof of identity;
• Check details of job applicants and employees.
Claims History
• 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 give rise to a claim.When you tell us about an incident we will 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 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.
You should show these notices to anyone who has an interest in the insurance under the policy.
If you have a Complaint
We hope that you will be very happy with the service that we provide. However, if for any reason you are unhappy with it, we would like to hear from you. In
the first instance, seek resolution by contacting Aviva Tenants Contents Unit on telephone number 0345 0308 733. Aviva is covered by the Financial
Ombudsman Service. If you have complained to us and we have been unable to resolve your complaint, you may refer it to this independent body. Following
the complaints procedure does not affect your right to take legal action.
Choice of Law
The Law of England and Wales will apply to this contract unless:
1 You and the Insurer agree otherwise; or
2 At the date of the contract you are a resident of (or, in the case of a business, the registered office or principal place of business is situated in) Scotland, Northern
Ireland, Channel Islands or the Isle of Man, in which case (in the absence of agreement to the contrary) the law of that country will apply.