Privacy Policy

Our Privacy Policy

Our Privacy Policy

Who we are 

Scout Insurance Services Limited t/a Unity Insurance Services, is referred to in this notice as “Unity”, “we", "us", or "our". Registered office: Gilwell Park, Chingford, E4 7QW. Registered in England and Wales (Company No: 5038294).

Important notice

In accordance with the General Data Protection Regulation (GDPR) and related UK data protection legislation, Unity is committed to protecting the confidentiality and security of the information that you provide to us. This Privacy Notice sets out how we collect and process your personal data. This Privacy Notice also provides certain information that is legally required and lists your rights in relation to your personal data.

This Privacy Notice relates to personal information that identifies you as a natural person (whether you are an actual or potential customer, an individual who browses our website or an individual outside our organisation with whom we interact). We refer to this information throughout this Privacy Notice as personal data or personal information and further detail of what this includes are set out in this Privacy Notice below.

This Privacy Notice may vary from time to time, so please check it regularly. This Privacy Notice was last updated on 20 February 2024.

Why we need and how we use your personal information

Personal data is any information that can be used to identify a living individual. We collect personal information such as name, address, contact details, date of birth, financial details, employment details, claims history, and other personal details depending on the nature of the enquiry, products, or services.

We may monitor calls, emails, text messages and any other communications with you. When you contact us we may keep a record of that correspondence and any information provided to us during that or any subsequent communication. Further information is included within our Technical Privacy Notice below.

We only collect, use and store your information where we have a lawful basis to do so, such as a legitimate business interest. We may rely on one or more of the following lawful bases when processing your personal data for the following purposes:

Purposes for which we process your personal data

The basis on which we can do this (this is what the law allows)

In order to perform our contractual obligations to you. This would include our fulfilling your requests for insurance services (including obtaining insurance for you, fulfilling requests for mid-term adjustments and obtaining renewals)

 

The processing is necessary in connection with any contract that you may enter into with us

To administer your account, including financial transactions for insurance broking

 

The processing is necessary in connection with any contract that you may enter into with us

To assist in the prevention and reduction of fraud and other financial crime

The processing is necessary for us to comply with the law and our legal requirements

 

In the interests of security and to improve our service, telephone calls you make to us may be monitored and/or recorded

 

The processing is necessary to pursue our legitimate interest in the management and operation of our business

 

To let you know about similar products and services that may be of interest to you

The processing is necessary to pursue our legitimate interest in operating our business

 

To make automated decisions, automated profiling and fraud detection

The processing is necessary in connection with some contracts that you may enter into with us

 

If you do not provide the information required we are unlikely to be able to arrange your insurance and may not be able to provide certain services to you.

Cookies

Our website makes use of Cookies, which are small text files, which are downloaded on to your device when you visit our website.  Cookies help us understand how you use our website and how we can improve the experience you have using our site.

For more information about how we use cookies, and for guidance on how you can control the operation of cookies on your device, please see our cookie policy.

Special category data and criminal convictions

Special category data is personal information that needs more protection because it’s sensitive. We may collect, use and store sensitive personal information such as criminal convictions and medical conditions, as necessary, in order to provide services in relation to general insurances such as motor, travel and health insurance. We may share this information with third parties. We will only collect, use and store your sensitive personal information where we have both a lawful basis to do so and a condition for processing. Where necessary, we shall obtain your consent to the processing of such information. The lawful basis on which we can do this is the processing is necessary for reasons of substantial public interest relating to insurance purposes.

Insurance purposes mean (a) advising on, arranging, underwriting or administering an insurance contract (b) administering a claim under an insurance contract or (c) exercising a right or complying with an obligation, arising in connection with an insurance contract, including a right or obligation arising under an enactment or a rule of law.         

Additional advice and information

We may from time to time process your personal data to let you know about similar products and services that may be of interest to you. This is because we value your custom and we pride ourselves in offering professional and tailored advice which meets your specific insurance needs. This includes keeping you informed on the latest insurance and industry information and details of any offers or promotions relating to the insurance services we provide to you. Our lawful basis for processing your personal data in this way is as is necessary to pursue the legitimate interests of our business, unless we have otherwise obtained your consent to do so. We may contact you by post, telephone or e-mail. You will be given the option to stop receiving any communications from us in this regard at any time however please note that this will not affect us contacting you about the servicing of products that you have specifically requested from us.

Sharing personal information 

We will only supply your personal information to other parties where such a transfer is a necessary part of the activities that we undertake, where you give us consent, or where we are required to do so by law or regulation (e.g. where the disclosure is necessary for the purposes of the prevention and/or detection of crime). 

As an intermediary, we may need to disclose your personal information to insurers, underwriting agencies, business partners and other parties in order to provide our products and services and to enable us to arrange and administer your insurance policy. Examples of other parties include other insurance intermediaries, loss adjusters, claims management companies, premium credit providers, regulatory bodies, and legal and accountancy firms involved in the claims handling process. 

We may also share your personal information with fraud prevention agencies such as the Claims and Underwriting Exchange Register and Motor Insurance Anti-Fraud and Theft Register. We may pass information relating to your insurance policy and any incident to the operators of these registers, their agents and suppliers. 

For motor insurance we may also share your personal information with the Motor Insurance Database (MID) which may be used to establish whether a driver is insured to drive a vehicle and/or for preventing or detecting crime. If you are involved in an accident in the UK or abroad, the MID may be searched to obtain relevant policy information. You can find out more at www.mib.org.uk.

We may also disclose your information to third party service providers engaged to perform support services on our behalf. Such service providers are contractually restricted from using or disclosing the information we give them except as necessary to support the business operations on our behalf, or to comply with legal requirements. This may include The Scout Association (TSA) and its subsidiaries.

We may also disclose your personal information to another company, if our business or part of it is bought or taken over by that company to make sure your insurance policy can continue to be serviced or as part of preliminary discussions with that company about a possible sale or take over.

We only share your information if we are satisfied that our partners or suppliers have sufficient measures in place to protect your information in the same way that we do.

We never share your information outside of our organisation for marketing purposes.

Transfer of personal data outside of the UK

By providing us with your information, you consent to the fact that the information you share with us may be transferred by us, or by any of the types of firms or organisations we have noted above, to other countries in order for processing to take place, including locations outside of the UK.  We will only do so if there are adequate levels of protection in place as required by applicable data protection laws.

Some of the organisations we work with may process information in countries outside of the UK or the European Economic Area (EEA), such as the United States, where data protection laws are not the same as in the EEA. We will always ensure any transfer is subject to appropriate security measures to safeguard your personal data. Where transfers are necessary to countries where data protection has not yet been declared to be adequate, we rely on appropriate safeguards, as defined in the GDPR for these transfers.

Information from you about other people

We may collect information from you about other people, for example, family members, friends or colleagues who may be included on an insurance policy. If you give us information about another person it is your responsibility to ensure and confirm that:

  • You have told the individual who we are and how we use personal information, as set out in this Privacy Notice; and
  • You have permission from the individual to provide that personal information to us and for us to use it, as set out in this Privacy Notice.

Information about you from other sources

We may use legal public sources such as the electoral roll and other third party sources such as credit reference agencies to obtain information about you, for example to verify your identity or check your credit history. 

We may also obtain information about you from credit reference agencies and similar third parties. Some personal information may be provided to us by third parties such as insurance companies, other insurance intermediaries and motor vehicle licensing authorities. In some cases you will have previously submitted your personal information to them and given them approval to pass this information on for certain purposes.

Such information will only be obtained from reputable sources which operate in accordance with the GDPR.

Technical Privacy Notice

Closed circuit television (CCTV)

Where CCTV is used, we have identified and documented the potential impact on individuals’ privacy and have taken this into account when installing and operating the CCTV system. We regularly review whether CCTV is still the best security solution. 

We will clearly inform individuals of our use of CCTV and we only retain recorded CCTV images for long enough to allow for any incident to come to light (e.g. for a theft to be noticed) and to investigate it. We will respond to individuals or organisations making requests for copies of their images on our CCTV footage and will seek prompt advice from the Information Commissioner where there is any uncertainty. We securely store CCTV images, limit access to authorised individuals and regularly check that the CCTV system is working correctly. We have a nominated individual who is responsible for the operation of the CCTV system. 

Telephone Recording

Where telephone conversations are recorded, we will inform you of this at the beginning of the call together with our reasons for doing so and any objections should be raised immediately. Telephone recordings will be stored securely for no longer than necessary and you have the right to request a copy where this is still available (by submitting a Subject Access Request to us). The call recordings will only be passed to third parties where we have a legal right or legal obligation to do so. Payment card data is protected in accordance with the Payment Card Industry Data Security Standard (PCI DSS) and our system prevents us from recording Sensitive Authentication Data (SAD) or where this is not possible, is immediately deleted after card authorisation.

Your rights

We will only store your data for as long as is necessary to comply with the requirements of your insurance contract(s) and any legal obligations or lawful processing conditions that may exist as a result.

You have a number of rights concerning the personal information we use, which you may ask us to observe. In some cases, even when you make a request concerning your personal information, we may not be required, or be able to carry out your request as this may result in us not being able to fulfil our legal and regulatory obligations under the lawful processing conditions under which we hold your data or because there is a minimum statutory period of time for which we have to keep your information. If this is the case, we'll let you know our reasons.

You can ask us to:

  • Provide a copy of your personal information
  • Correct or delete unnecessary or inaccurate personal information
  • Restrict or to object to the use of your personal information at any time
  • Object to any automated decision, including profiling which may have been used by insurers when underwriting your quotation. Where an automated decision has been made we will advise you of this and of your rights
  • Provide your personal data in a structured, commonly used and machine-readable format and to have your personal data transferred to another controller. This right only applies where our processing of your personal data is automated and the processing took place initially with your consent or for the performance of a contract with you
  • Where we rely on your consent to use your personal information, you can withdraw that consent at any time.  Where your consent is withdrawn, your previous consent will remain valid in respect of our use of your information prior to the date you withdrew it, or if any marketing material has been sent prior to you advising that you don’t want us to contact you again.

If you have any questions or concerns about this Privacy Notice or your data protection rights, please contact us using our details set out below.

You also have the right to make an enquiry or to complain to the Information Commissioner’s Office (ICO) if you are unhappy with our use of your data, or if you think we have breached a legal requirement. You may contact the ICO at:

The Information Commissioner, Wycliffe House Water Lane Wilmslow Cheshire, SK9 5AF

Tel: 08456 30 60 60

Website: www.ico.org.uk

How to contact us

For any questions or concerns relating to this Privacy Notice or our data protection practices, or to make a Data Subject Access Request, or any other request regarding the information we hold, please contact us at:

Unity Insurance Services, Suite 8 The Quadrant, 60 Marlborough Road, Lancing Business Park, Lancing, West Sussex, BN15 8UW
Tel: 0345 040 7702 
Email: 
hello@unityins.co.uk