Privacy Policy
(1) Introduction
Welcome to our Privacy Notice which is designed to provide you with information about who we are, how we collect, use, and share your data, and how long we keep it.
We use a layered approach to delivering this information to you through:
- A brief privacy notice in insurance policy documentation when we issue your policy, which will refer to this more detailed privacy policy;
- This privacy policy accessible online
- The London Market Core Uses Information Notice. This Notice provides further information on how personal data is used within the insurance market.
We keep our privacy policy under regular review and we will place any updates on this web page.
This privacy policy was last updated on 13th June 2024.
(2) How to Contact us
If you have any questions about our Privacy Policy or how we handle your data, or if you would like to make a subject access request or any other enquiry about the information we have, please don’t hesitate to get in touch with us at:
Casus Underwriting Limited
Suite 6, Launchpad, Airport Business Park, Cherry Orchard Park, Rochford, Essex, SS4 1YH.
Tel: 01702 599 100
Email: [email protected]
(3) Who Are We
We understand the importance of your privacy and Casus UnderwritingLimited (“we”, “our” or “us”) are committed to protecting your personal data and complying with data protection laws.
Casus Underwriting Limited is a private limited company incorporated in England and Wales. Our registered company number is 15163004 and our registered office is Suite 6, Launchpad, Airport Business Park, Cherry Orchard Way, Rochford, Essex, SS4 1YH. Casus Underwriting Limited is an appointed representative of Kay International PLC who are directly authorised and regulated by the Financial Conduct Authority with registration number 300468.
Casus Underwriting Limited are registered under the General Data Protection Regulations (GDPR) 2018 with the Information Commissioner’s Office (ICO) in the UK. Our registration number is ZB607470.
Casus Underwriting Limited acts as the “data controller” of your information. This legal term is used to describe the person or entity that controls the way your information is used and processed. The terminology used in this Privacy Notice aligns with that employed by the Information Commissioner’s Office (ICO). For further information about the ICO, please visit their website: https://ico.org.uk/
For further information about our principal Kay International PLC please visit: https://www.kayint.co.uk/
Please note that different parts of the group of companies may have different data protection officers.
(4) How we obtain your personal information
All policies arranged through Casus Underwriting Limited are administered through other regulated insurance intermediaries. The majority of your personal information held by us is initially provided by you to these intermediaries, who then transfer the information to us.
Additionally, we may gather your personal data from various third-party sources, such as credit reference agencies, sanctions search tools, due diligence providers, claims handlers, publicly available information (such as your websites), social media platforms, survey companies that have visited your business, law enforcement agencies, and other participants in the insurance market.
We may also request information from you about other individuals who will benefit from the product or services we provide.
If you provide us with information about another person, it is your responsibility to ensure and confirm that:
- you have informed the individual about who we are and how we use personal information, as outlined in this Privacy Policy.
- you have obtained permission from the individual to provide their personal information to us and for us to utilise it, in accordance with this Privacy Notice.
We will also gather information through cookies from your computer or device. For further details, please refer to our cookies policy below at the end.
(5) Why do we collect your personal information
We only collect, use and store your information where we have lawful grounds and legitimate business reasons to do so.
The main purpose for processing your personal data is for the provision and performance of an insurance contract including:
- providing insurance quotations;
- Underwriting insurance policies;
- Managing insurance policies; and
- Processing insurance claims.
- Your personal data may also be used for the following purposes:
- verify your identity;
- to administer payments;
- to prevent, identify and investigate fraud or any activity that is in the public interest such as anti-money laundering and financial crime checks;
- to defend ourselves against or make any legal claims;
- where we have lawful purpose for processing your data e.g. for maintaining our accounts and records, gathering market intelligence in order to develop and improve our products and services. We will ensure that the processing of your personal data does not affect your rights under applicable data protection laws; and
- to comply with a legal or regulatory obligation e.g. where we are required to maintain records of any transactions with you, or for compliance with international legal and regulatory authorities.
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.
(6) What personal information do we collect
The types of personal information we process depends on your relationship with us as set out above and whether collection is permitted by applicable law. We collect and process the following categories of Personal Information from you:
| Category of Personal Information | Relationship with us |
| Website usage data and related identifiers such as technical information, including the Internet protocol (IP) address used to connect your computer to the Internet, your login information, browser type and version, time zone setting, browser plug-in types and versions, and operating system and platform. Personal Information collected by us also may automatically include information about your visit, including the full Uniform Resource Locators (URLs); clickstream to, through and from our site (including date and time); what you viewed or searched for; page response times; download errors; length of visits to certain pages; page interaction information (such as scrolling, clicks and mouse-overs); and methods used to browse away from the page. Please refer to our Cookies Policy for more information about how we use cookies. |
Website visitor |
|
Individual details – name, address, gender, marital status, date of birth, nationality, marketing preferences, vehicle details, penalty points, and family details, including their relationship to you. Contact details, as well as further individual information about you in relation to a claim being made under a policy of insurance such including special categories data – such as medical / health information or criminal history – if the nature of the claim necessitates this. Identification details – identification numbers issued by government bodies or agencies, such as your social security number, passport number, tax identification number and driving licence number. Employment history – including information on your previous and current employer, job title, salary, employment benefit option, professional licences and educational/professional qualifications. Financial information – such as bank account or payment card details, income, investment or other financial information including home valuation and household income. Policy/Contractual information – such as details about quotes you receive and policies you hold and with whom you hold them. Fraud and credit related data – such as credit history, credit score, sanctions and criminal offences, and information received from various anti-fraud databases relating to you. Risk coverage details – information necessary to assess the risk to be insured and provide a quote. This may include data relating to your health, criminal convictions, or other special categories of Personal Information. For certain types of policies, this could also include telematics data. Previous and current claims – information about previous and current claims (including other related insurances), which may include data relating to your health, criminal convictions, or other special categories of Personal Information and, in some cases, surveillance reports. Special categories of Personal Information and criminal convictions data – data concerning your health and criminal offences and convictions data. |
Insureds Beneficiaries Claimants |
| Contact details, as well as further individual information about you in relation to a claim being made under a policy of insurance such including special categories data – such as medical / health information or criminal history – if the nature of the claim necessitates this. | Witnesses |
| Professional information and contact details such as information about your employer, your position/title and your professional contact details. | Business Contacts |
|
Visual information such as images collected from security cameras in our offices and basic contact details for visitor registration purposes such as your name, relevant professional information and contact details. |
General Contacts |
|
Your marketing preferences. |
Website Visitors Business Contacts General Contacts |
|
Inferences drawn from the above-referenced categories of information to assess risk. |
All Insurance Contacts |
|
Any other information you voluntarily share with us e.g. when you contact our customer service or otherwise engage with us. |
Website Visitors All Insurance Contacts Business Contacts General Contacts |
(7) Automated Decision Making
Automated decision-making is a process whereby decisions, with effect on an individual, are made using automated computing means (i.e., without involvement of a human). Profiling is an automated process whereby Personal Information is processed to evaluate certain personal aspects of an individual to analyse or predict behaviour or aspects.
As explained above in Section 5: Why Do We Collect Your Personal Information. Casus may perform data analytics to establish risk patterns and categories. When calculating risk and insurance premiums and where such is permitted by applicable law, we may compare your personal information against these industry averages and patterns. This insurance specific exercise is considered profiling and/or automated decision-making and is necessary to enter into a contract with you – to confirm that the premium amount reflects and adequately matches the associated risk – and/or authorised under applicable law. As a result of these profiling activities, you may be offered a different insurance policy and/or premium, or even be refused insurance.
Profiling may also be used to assess information relating to you, to identify and have a good understanding of fraud patterns. Where special categories of personal information are relevant, such as medical history or past criminal convictions for certain types of insurance, such special categories of Personal Information may also be used for profiling. However in this case, and where relevant, your prior consent will be requested unless reliance on another legal basis to process this data for profiling purposes applies.
(8) Sharing and Safeguarding your personal information
We ensure the confidentiality of your personal information and will only share it with other parties when necessary for the activities we undertake, with your consent, or when required by law or regulation (such as for crime prevention and detection purposes). We ensure that our partners or suppliers have adequate measures in place to safeguard your information.
As an insurance intermediary, we are obliged to disclose personal information to insurance companies, underwriting agencies, business partners, and other relevant parties to provide our products and services and facilitate insurance contracts. This may include other insurance intermediaries, loss adjusters, regulatory bodies, and legal and accountancy firms involved in claims handling. Additionally, we may share your information with fraud prevention agencies like the Claims and Underwriting Exchange Register and Motor Insurance Anti-Fraud and Theft Register.
We may also disclose your information to service providers engaged to perform services on our behalf. These service providers are contractually obligated to use the information solely for providing services on our behalf or to comply with legal requirements.
In the event of a merger or acquisition, we may disclose personal information to new owners of our business. Additionally, disclosure may be necessary for company audits, regulatory inspections, or investigations into complaints, suspicions of fraud, or security threats.
We do not share your information outside our organization for marketing purposes.
By using our services, you acknowledge that we may disclose your information to relevant parties for the purposes outlined in this notice.
(9) Marketing
We would like to send you information about our products and services by email, SMS and/or telephone.
We would also like to send you information about the products and services of other companies in our group which may be of interest to you. If you have consented to receive marketing, you may opt out at a later date. You have a right at any time to stop us from contacting you for marketing purposes or giving your information to other members of the Group. If you no longer wish to be contacted for marketing purposes, please click here.
(10) Other Websites
Our website may contain links to other websites. This privacy policy only applies to this website so when you link to other websites you should read their own privacy policies.
(11) Your Rights
Our policy complies with the EU General Data Protection Regulation. The law requires us to tell you about your rights and our obligations with regards to the processing and control of your personal data, however not all of the following may be applicable in our business dealings:
The right to access your personal data;
The right to restrict processing;
The right to data portability;
The right to object to processing;
The right to withdraw consent;
Rights related to automated decision-making including profiling;
There are some circumstances where we may be required to restrict your rights in order to safeguard the public or our own interests.
For further information regarding your rights, please visit the Information Commissioner’s Office’s or click on the links provided above.
If you have any questions regarding privacy or how we use personal data, you may contact our Data Protection Officer:
Email: [email protected]
Postal Address: Suite 6, Launchpad, Airport Business Park, Cherry Orchard Way, SS4 1YH.
(12) Your Right to complain
If you wish to make a complaint about how we hold or use your data, please contact us:
Casus Underwriting Limited
Suite 6, Launchpad, Airport Business Park, Cherry Orchard Park, Rochford, Essex, SS4 1YH.
Tel: 01702 599 100
Email: complaints@casusunderwriting.co.uk
If you are dissatisfied with how we deal with your complaint, you may contact the Information
Commissioner’s Office:
The Information Commissioner Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF; Phone: 0303 123 1113 Website: www.ico.gov.uk.
Cookie Policy
Introduction
Welcome to our Cookie Policy which is designed to provide you with information about our cookie policy, our views and practices regarding cookie data and how we will treat it. By using our site, you indicate that you accept these terms of use and that you agree to abide by them.
Cookies are small text files that are placed on your computer by websites that you visit. They are widely used in order to make websites work, or work more efficiently, as well as to provide information to the owners of the site, such as the number of visitors. Most major websites use cookies.
Some cookies on our website are essential for us to be able to provide you with a service or information you have requested. Accepting these cookies is a condition of using this website. If you prevent these cookies, via your browser for example, we can’t predict how our website will perform during your visit. Some services may stop working.
Collecting information about visitors to our website
In order to provide full access to our website we sometimes need to collect information about you and how it will be used.
When someone visits our website we collect standard internet log information and details of visitor behaviour patterns. We do this to find out things such as the number of visitors to the various parts of the site. We collect this information in a way which does not identify anyone. If we do want to collect personally identifiable information through our website, we will be up front about this. We will make it clear when we collect personal information and we will explain what we intend to do with it.
The table below explains the cookies we use and why. Name | Purpose |
ASP.NET_SessionId | Session cookie sent to the web browser. Used when you open the browser and then go to a website that implements ASP.NET session state. This cookie is deleted when you close your browser. |
CMSCsrfCookie | Stores a security token that the system uses to validate all form data submitted via POST requests. Helps protect against cross-site request forgery. This cookie is deleted when you close your browser |
CMSPreferredCulture | Cookie used to determine website users’ browser language. Expires 24 hours after the site is first accessed. |