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Privacy

We understand that when you're entrusting your money to a company, you want to be sure that it's completely honest and scrupulous. That's why we're as open as possible about our company and our sister-companies.
In this section, you can find out what we do with your personal information - all the details you entrust to us about you and your life. And we'll also provide you with information about the regulatory bodies that cover the various aspects of our business. Plus, for further peace-of-mind and security, please read the Co-operative Insurance complaints policy to provide you with everything you'll need in the event of a dispute or problem.

For more information call our Central Customer Relations Unit on: 0845 3000 374 Calls to 0845 numbers will cost no more than 4p per minute for BT customers. Call charges from other companies may vary and you may want to check this with your service provider.

Personal Information

Data protection legislation requires us to inform you about the ways in which your personal information will be used and when it will be disclosed. That way you can be assured we are using your personal information in a responsible manner.

Use of customer information

We treat all personal information as confidential. We will use personal information we hold about you primarily for processing the business you have applied for or for answering any queries you may have. In some circumstances, personal information may be used in relation to other business with us.
We will also use personal information for research and marketing purposes. We may buy lists or details from time to time from other reputable organisations. In addition, sometimes we may record information about you to help us identify other products that may be of interest to you.
Generally we will assume that if we have made available details of proposed uses of information, and you proceed to provide personal information, then you consent to those uses. However, in some circumstances we will ask you to confirm that you consent to certain uses of information. This is usually because the law or industry codes of practice require us to ask for your specific consent.
You might need to give us information about other individuals in connection with your business with The Co-operative Insurance. In this case, you should check that they agree to information being supplied to us and to the uses outlined. Unless they are under the age of 18, in which case we will assume you are acting on their behalf.

Cookies

The Co-operative Insurance uses cookies. We do this to:

  • Check which browser and Internet service provider you use so we can make sure our services work well on your PC monitor traffic on our website
  • form part of our security process where appropriate. Where a cookie is part of a security process the process will not be allowed to continue if cookies are disabled on your browser.

Our policy on cookies is that we do not pass on, or sell on, details to any other company. Your details are completely confidential.

Disclosure of your personal information

We never sell lists of our customers to outside organisations. However, we may disclose details to any CIS subsidiary companies or the Co-operative Family of Businesses so as to identify products and services that may be of interest to you. In addition, there are some circumstances under which we may need to disclose information about you to outside organisations. These include:

  • If you take out any kind of cover and we wish to take out reinsurance, we may need to pass on your details to the reinsurance company. We will do so only on the understanding that they treat it as confidential.
    • for pension products we may need to disclose your personal information to government agencies, other schemes and employers.
    • for ISA products we may need to disclose your personal information to government agencies.
    • if you take out home, contents or motor products or other general insurance with us we will give you full details of the circumstances where we may require to disclose your personal information.
    • if you apply for a mortgage through us we will tell you about the disclosures that may need to be made in the course of processing applications and managing accounts.
    • in rare circumstances, where we lose contact with a customer due to changes of address, we may pass personal information to the Unclaimed Assets Register, which, on payment of a fee, individuals or their representatives may approach for the purpose of checking entitlement.
    • there may be other circumstances where we are obliged by law to reveal personal information, for example to the Financial Services Authority.