Motor and home insurance products offered by Age Co are sold and administered by Ageas Retail Limited which is owned by Ageas UK.
Age Co branded products are promoted by Age UK Enterprises Limited who are a wholly owned trading subsidiary of Age UK that trades under the brand name ‘Age Co’ to promote Age Co insurance products.
Age UK Enterprises and Ageas Retail Limited are both Data Controllers registered with the Information Commissioners Office.
Your information and what we do with it … putting your mind at rest.
Ageas Retail Limited (Ageas) collects information to provide you with an insurance quotation. This allows Ageas to provide insurance on behalf of Age Co. A smaller subset of the data collected by Ageas is passed to Age Co, who use it to understand their customers and market a range of products and services offered by Age Co, all designed to help older people enjoy financial security and continue to have the freedom and confidence to live as they wish. No sensitive data such as medical conditions is passed to Age Co.
The details provided here are an explanation of how Ageas collect, use, share, transfer and store your information. If you wish to view the full Privacy Policies for both organisations please refer to the contact details below.
Collecting your information
To provide an insurance quote and/or policy, Ageas will collect a variety of information about you either via the websites or via the telephone. Information collected will include the following, but this is not an exhaustive list:
your full name, address, date of birth and contact details;
details about what and/or who you would like to insure, such as vehicle details, named drivers;
your claims and credit history;
any criminal offences;
financial details, such as bank account and/or card details;
special category (otherwise known as sensitive information) such as details about your health or existing medical conditions.
Ageas also use a number of other different sources to collect other information, including:
you or someone connected with you, as well as publically available sources of information like social media and networking;
third parties’ databases that have been made available to the insurance industry, as well as where you have given your permission to share information with third parties like us;
price comparison websites, where they have sent your personal information to us to see whether we are able to provide you with a quotation.
Using your information
Ageas use your personal information to not only provide you with our products and services, but to better understand and predict your needs and preferences. This is to help us to continue to improve our products and services to give you the insurance that is right for you. These uses include:
providing you with services relating to an insurance quotation or policy, for example:
assessing your insurance application and arranging your insurance policy including checking databases showing no claims discount entitlement and driving licence records;
managing your insurance policy including claims handling and issuing policy documentation to you.
Our assessment of your insurance application may involve an automated decision to determine whether we are able to provide you with a quotation and/or the price. If you object to this type of processing, Ageas will not be able to provide you with insurance.
where we believe we have a justifiable reason to do so, Ageas will:
keep information about your current and past policies;
use your information for the purpose of detecting fraud and its prevention;
carry out processes such as statistical, trend and market research in relation to the products and/or services offered, as well as analysis and modelling which may include computerised processes that profile you;
record and monitor calls for training purposes;
Please note that if you have given us information about someone connected to you, it would be for you to have confirmed that you have their permission to do so.
How Age Co contact you about their products and services
Age Co may contact you by post, email and/or telephone, but only if Age Co have collected the appropriate marketing permissions
Age Co may use this information to inform you about products and or/services that they offer.
Should you no longer want to be contacted about other products and services, just let us know by either:
writing to the Age Co Data Protection Officer at the address provided above; or,
Use of your personal information when using [Age Co] websites and email communications
Sharing your information
Ageas share your information with a number of different organisations such as:
other insurers, business partners, agents or carefully selected third parties who either provide a service to us or on our behalf or where we provide services in partnership with them;
organisations that have a specific role laid out in law such as statutory bodies, regulatory authorities and other authorised bodies or where we have a duty to or are permitted to disclose your personal information to them by law;
fraud prevention and credit reference agencies;
other companies when we are using their products and services which we consider may improve our services to you or our business processes.
Unless required to by law, Ageas would not share your personal data without the appropriate and necessary care and safeguards being in place.
Keeping your information
Use and storage of your information overseas
Your information may be transferred to, stored and processed outside of the United Kingdom (UK). Ageas or our service providers may use cloud based computer systems i.e. networks, systems and remote servers to process and store your information, to which foreign law enforcement agencies may have the power to access.
Ageas will not transfer your information outside the UK unless it is to a country which is considered to have equivalent data protection laws or we have taken all reasonable steps to ensure the firm has suitable standards in place to protect your information.
Dealing with others acting on your behalf
Ageas will deal with individuals you nominate and third parties we reasonably believe to be acting on your behalf, but only if they are able to answer our data protection and security questions. For your protection, we will need to speak to you, your legal representative, someone that you have specifically given us permission to speak to, or a power of attorney should you want to change your contact address or policy coverage or cancel your policy.
You have a number of rights in relation to the information that Ageas hold about you, including:
asking for access to and a copy of your personal information;
asking us to correct, delete or restrict the use of your personal information;
asking us to move, copy or transfer your personal information to a third party (known as ‘data portability’);
objecting to the use of your personal information or to an automated decision including profiling;
withdrawing any previously provided permission for us to use your personal information;
complaining to the Information Commissioner’s Office at any time if you object to the way Ageas use your personal information.
Please note that there are times when Ageas will not be able to delete your personal information, such as where we have to fulfil our legal and regulatory obligations or where there is a minimum statutory period of time for which we have to keep your information. If this is the case, then we will let you know our reasons.