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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.

Fraud Prevention & Detection
In order to prevent and detect fraud we may at any time:

  • Share information about you with other organisations and public bodies including the Police.
  • Undertake credit searches; Check and/or share your details with fraud prevention and detection agencies.
  • If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies.
  • Law enforcement agencies may access and use this information.
  • We, and other organisations may also access and use this information to prevent fraud and money laundering, for example when:
    • Checking details on applications for credit and credit related or other facilities;
    • Managing credit and credit related accounts or facilities;
    • Recovering debt and tracing beneficiaries;
    • Checking details on proposal and claims for all types of insurance.

Please contact us on the number shown on your policy documentation if you want to receive details of the relevant fraud prevention agencies.

We, and other organisations may access and use from other countries the information recorded by fraud prevention agencies.

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.

Disabling cookies

By adjusting the settings of your browser, you can choose to accept or refuse cookies from the sites that you visit. You can also decide to be informed when one is about to be placed on your computer.

Below we have provided instructions on how to disable cookies within the most common internet browsers, if your browser is not list below please consult the browser's website for details on how to disable cookies.

Please note that if you disable cookies, you will not be able to use many of the tools within the Co-operative Insurance website

Using Microsoft Internet Explorer 6, 7 & 8
Click on:

  • Tools
  • Internet Options
  • Privacy
  • Advanced
  • Override Automatic Cookie handling
  • Disable First Party Cookies
  • Disable Third Party Cookies
  • Untick Always allow session cookies
  • Click OK
  • Click OK again

Using Firefox 3
Click on:

  • Tools
  • Options
  • Privacy
  • Set "Firefox will:" to Use custom settings for history.
  • Untick Accept cookies from sites

Using Google Chrome

  • Click the wrench icon tools menu on the browser toolbar. Mac users: If you don't see the wrench icon, go to the menu bar at the top of your screen and click Chrome.
  • Select Options (Preferences on Mac and Linux; Settings on Chrome OS)
  • Click the Under the Hood/Bonnet tab
  • Click Content settings in the "Privacy" section
  • Choose Block sites from setting any data
  • Choose Block all third party cookies without exception

Using Opera 11
Click on:

  • Tools
  • Preferences
  • Advanced
  • Cookies
  • Never accept cookies

Using Safari
Click on:

  • Click the cog icon tools menu on the browser toolbar.
  • Preferences
  • Advanced
  • Security
  • Choose Never

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.