Who we are and how to contact us
Liverpool Victoria Insurance Company Limited is the controller of your personal information and is part of the LV= group of companies. For more information visit LV.com/terms/lv-companies.
Payment card details
We use a secure payment processor for all card payments. When a payment is processed we receive a unique transaction code and an extract of your card number, which we store as a record of the transaction.
Automated decision making and profiling
We use automated decision making to help determine the prices, policy terms, relevant products / services, when you research or ask for a quote, buy insurance, make any changes, renew or make a claim.
Multiple policies at the same address
We may provide a discount if there is more than one policy at the same address. This could result in anyone at the address who has a policy or quote with us then being made aware that someone else living there also has insurance with us.
In the event that we process personal information outside the UK, the processing in those locations is protected by UK and European data standards.
Financial crime & fraud prevention agencies
The personal information we have collected will be shared with crime prevention agencies who will use it to prevent financial crime and fraud and to verify your identity. If financial crime or fraud is detected, you could be refused certain services, finance or employment. Where we suspect financial crime or fraud, we may cancel any policies you have with us, not be able to pay any claim or offer you the requested product or service. We may share relevant information with crime and fraud prevention agencies, law enforcement agencies and other relevant organisations.
Your personal information will be used or disclosed as required to regulators to monitor and enforce our compliance with any regulation.
Claims and Underwriting Exchange and other databases
You must tell us about any claim or accident, even if it wasn’t your fault. We’ll share this information and your personal details with databases such as the Claims and Underwriting Exchange (CUE). We may search these databases when you apply for insurance, make a claim or renew your policy, to validate your claims history (or that of any other person or property likely to be involved in the insurance or claim).
Credit search and identity check
In order to process your application we’ll supply your personal information to credit reference agencies (CRAs) and they’ll give us information about you, such as about your financial history. We do this to assess creditworthiness, check your identity, manage your account, trace and recover debts and prevent fraud and other financial crime.
We’ll also continue to exchange information about you with CRAs on an ongoing basis, including about your settled accounts and any debts not fully repaid on time. CRAs will share your personal information with other organisations. Your data will also be linked to the data of any joint applicants or other financial associates you have.
The identities of the CRAs and the ways in which they use and share personal information are explained in more detail at experian.co.uk/crain, callcredit.co.uk/crain and equifax.co.uk/crain.
Partner or affinity associations
If you get a quote or buy through one of our partner or affinity associations, we may pass some of your personal information back to them (eg policy details, claims, membership and suspected fraud and other financial crime information).
Price comparison or other introductory services
If you get a quote on a price comparison website or other introductory service, the information you give them is passed to us so you don’t need to re-enter your details. We’ll also pass your personal information (eg policy details, and suspected fraud and other financial crime information) back to them.
Incidents or claims
When you tell us about an incident or claim we’ll share this with relevant agencies and appropriate service providers.
We’ll also collect information from anyone else involved as necessary, eg claimant, witnesses or police.
We may use public information (such as electoral roll, county court judgements, vehicle taxation status, MOT status, bankruptcy or repossessions).
We’ll check and exchange information with industry databases, such as:
✔ credit reference company data (eg credit scores)
✔ geographical (eg flood scores, information about a location)
✔ demographics (eg modelled data on household incomes, credit reference agency scores)
✔ insurance and claims history (eg previous claims, No Claim Discount)
✔ motoring conviction history (eg DVLA MyLicence service)
✔ information about what you want to insure or make a claim for (eg vehicle repair history, vehicle finance data, property information, building council tax band)
✔ financial crime and fraud prevention databases (also refer to financial crime and fraud prevention agencies section)
✔ payment validation (eg checking your card is registered at your address)
✔ claims compensation and recovery databases (eg reimbursement of NHS costs resulting from an accident)
Specialist services we use
We use other companies to provide some services, eg banks and building societies, breakdown and recovery agents, claims adjusters, claims suppliers, legal service providers, communication services, debt recovery agencies, marketing, fraud and other financial crime investigation services etc. They’ll be given the personal information they (or their sub-contractors) need to manage their service.
Market research agencies
We may share your personal information with market research agencies who will conduct market research and business analysis on our behalf.
Reinsurers and reinsurance brokers
We may need to share any personal information, including policy, claims, medical, and suspected fraud and other financial crime information, with our reinsurers and reinsurance brokers. Reinsurers provide insurance policies to insurance companies. Insurance companies engage a reinsurance broker to advise and assist in arranging a re-insurance policy.
When necessary we share your personal information with other insurers if you make a claim, to verify that the information you’ve provided is correct and prevent financial crime and fraud. If you move to a new insurer we may confirm certain details about your insurance to them. We’ll only do this if we’re sure it’s a genuine request.
If you give us a driving licence number when getting a motor insurance quote, we’ll pass it to the DVLA MyLicence service to verify the status of the licence and entitlement. We’ll then get any relevant restriction information, endorsements and / or conviction data.
Motor Insurance Database
We’ll add details about your insurance policy to the Motor Insurance Database (MID) which is managed by the Motor Insurers’ Bureau (MIB). The MID and the data stored on it may be used by the Police, the DVLA, the DVANI, the Insurance Fraud Bureau and other bodies permitted by law for purposes not limited to but including:
✔ electronic licensing
✔ continuous insurance enforcement
✔ law enforcement (prevention, detection, apprehension and / or prosecution of offenders)
✔ the provisions of government services and / or other services aimed at reducing uninsured driving.
If you’re involved in a road traffic accident (either in the UK or abroad), insurers and / or the MIB may search the MID to obtain relevant information. Other persons (including their appointed representatives) pursuing a claim in respect of a road traffic accident (including foreign citizens) may also obtain relevant information held on the MID.
It’s important that the MID holds your correct registration number. If not, you risk the Police seizing your vehicle. You can check that your registration number is shown on the MID at askmid.com.
The Flood Re scheme helps homeowners get insurance in flood risk areas. If your property is eligible we’ll send your property details to the scheme.
Medical and other health services
If you make a claim and give us your consent, we’ll get your medical information from the relevant health provider, eg doctor or hospital.
Veterinary and other animal health services
If you make a claim and give us your consent, we’ll get medical information on your pet from the relevant animal healthcare provider.
We may be given information by a claimant or their representative, a witness or family member, to support a claim or to pursue a claim against your policy.
Other insured parties
An insured party on your policy (eg named driver) may notify us of an incident or claim against your policy.
Law enforcement and government agencies
Information may be given to us by law enforcement agencies (eg the police) about an incident which may result in a claim or may affect a policy or ongoing claim.
We may change this information from time to time. Any changes will be updated on our website and if appropriate notified to you in writing.