In assessing your application now, at renewal, or at any other time, to prevent fraud, check your identity and to maintain our policy records, Marks and Spencer Financial Services plc. Aviva (the insurer) or their agents may undertake checks against publicly available information through Credit Reference Agencies (such as electoral roll, number and value of county court judgments and insolvency information). Similar checks may be made in assessing any claims made.
By proceeding with this application:-
- You are providing your specific consent to your information being processed for these purposes.
- You are confirming that any other person to be covered by this insurance whose information you are providing is aware of and consents to their information being used in this way.
NOTE: If you do not wish to, or cannot provide this consent and confirmation you must not proceed with this application as the insurer will be unable to provide you with a policy. You can withdraw consent at any time but this may prevent them assessing future claims and the policy may be cancelled.
To ensure the insurer has the necessary facts to assess your insurance risk, verify your identity, help prevent fraud and provide you with their best premium and payment options the insurer may also obtain information about you and your joint policy holder from publicly available sources, their trusted third parties and information held by Aviva. This may be collected at quotation and renewal and in certain circumstances where policy amendments are requested.
This information may include a quotation search from a credit reference agency (CRA) which will appear on your credit report and will be visible to other credit providers. It will be clear that this is a quotation rather than a credit application by you to pay by monthly instalments
The identity of our CRA and the ways in which they use and share personal information, are explained in more detail at www.callcredit.co.uk/crain(opens in a new window)You have various rights in relation to your personal data including accessing your data, and in some limited circumstances objecting to processing or having your data erased.
You have a right to know how we will use your personal information. In the case of personal data, you have the right to access and if necessary rectify any incorrect information held about you. It is important that you read the Data Protection Act sections of the Important Information document. A copy of this will be included in your policy pack.
With your permission, Marks and Spencer Financial Services plc, other members of the HSBC Group, members of the Marks and Spencer Group and other organisations approved by Marks and Spencer plc (which may include insurance companies) may share information about you to enable each of us to keep you informed about special offers, products and services available from the HSBC Group, the Marks and Spencer Group and selected third parties by post, telephone, email, mobile text and picture messaging. You agree that, to determine which products or services may be of interest to you, information about you may be analysed.