Privacy Policy

Who we are

Premier Commercial understands that your privacy is important to you and that you care about how your personal data is used and shared online. We respect and value the privacy of everyone who visits this website, www.premiercommercial.co.uk (“Our Site”) and will only collect and use personal data in ways that are described here, and in a manner, that is consistent with our obligations and your rights under the law.

Please read this Privacy Policy carefully and ensure that you understand it. Your acceptance of Our Privacy Policy is deemed to occur upon your first use of Our Site. If you do not accept and agree with this Privacy Policy, you must stop using Our Site immediately.

Information Collected by Premier Commercial

Personal information means information that identifies (or which could, with other information that we hold or are likely to hold, identify) a living individual. This includes any information provided to us in relation to your use of our website

This is information about you that you give us by filling in forms on our website, or by corresponding with us by phone, e-mail or otherwise and includes information you provide when you register to use the website, and use the services provided by the website. The information you give us may include your name, address, e-mail address, phone number, as well as details of any comments you provide to us.

Cookies

This website www.premiercommercial.co.uk (“Our Site”) uses Cookies and similar technologies in order to distinguish you from other users. By using Cookies, We are able to provide you with a better experience and to improve Our Site by better understanding how you use it. Please read this Cookie Policy carefully and ensure that you understand it. Your acceptance of Our Cookie Policy is deemed to occur when you press the Ok! button on Our Cookie pop up when Our Site is first opened. If you do not agree to Our Cookie Policy, please stop using Our Site immediately.

Our Site may place and access certain first party Cookies on your computer or device. First party Cookies are those placed directly by Us and are used only by Us. We use Cookies to facilitate and improve your experience of Our Site. We have carefully chosen these Cookies and have taken steps to ensure that your privacy and personal data is protected and respected at all times.

By using Our Site, you may also receive certain third-party Cookies on your computer or device. Third party Cookies are those placed by websites, services, and/or parties other than Us. Third party Cookies are used on Our Site for analytics purposes. For more details, please refer to section 4 below.

All Cookies used by and on Our Site are used in accordance with current Cookie Law. We may use some or all of the following types of Cookie:

Strictly Necessary Cookies
A Cookie falls into this category if it is essential to the operation of Our Site.

Analytics Cookies
It is important for Us to understand how you use Our Site, for example, how efficiently you are able to navigate around it, and what features you use. Analytics Cookies enable us to gather this information, helping Us to improve Our Site and your experience of it.

Functionality Cookies
Functionality Cookies enable Us to provide additional functions to you on Our Site such as personalisation and remembering your saved preferences. Some functionality Cookies may also be strictly necessary Cookies, but not all necessarily fall into that category.

Third Party Cookies
Third party Cookies are not placed by Us; instead, they are placed by third parties that provide services to Us and/or to you. Third party Cookies may be used by advertising services to serve up tailored advertising to you on Our Site, or by third parties providing analytics services to Us (these Cookies will work in the same way as analytics Cookies described above).

Persistent Cookies
Any of the above types of Cookie may be a persistent Cookie. Persistent Cookies are those which remain on your computer or device for a predetermined period and are activated each time you visit Our Site.

Session Cookies
Any of the above types of Cookie may be a session Cookie. Session Cookies are temporary and only remain on your computer or device from the point at which you visit Our Site until you close your browser. Session Cookies are deleted when you close your browser.

Embedded content from other websites
Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.

Mouseflow 
This website uses Mouseflow: a website analytics tool that provides session replay, heatmaps, funnels, form analytics, feedback campaigns, and similar features/functionality. Find out more about Mouseflow 

These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracing your interaction with the embedded content if you have an account and are logged in to that website.

Data Protection

We act as the Data Controller. How we use and look after the personal information is set out below.

Information may be used by us, the coverholder, agents and service providers for the purposes of insurance administration, underwriting, claims handling or for statistical purposes. The lawful basis for the processing is that it is necessary for us to process your personal information to enable the performance of the insurance contract, to administer your policy of insurance and/or handle any insurance claim you may submit to us under this policy. The processing of your personal data may also be necessary to comply with any legal obligation we may have and to protect your interest during the course of any claim.

What we process and share

The personal data you have provided, we have collected from you, or we have received from third parties may include your:

• name; date of birth, residential address and address history.
• contact details such as email address and telephone numbers.
• financial and employment details.
• identifiers assigned to your computer or other internet connected device including your internet protocol (IP) address.
• health or criminal conviction information.
• vehicle or household details.
• any information which you have provided in support of your insurance claim.

We may receive information about you from the following sources:

• your insurance broker.
• from third parties such as credit reference agencies and fraud prevention agencies.
• from insurers, claims handling agents, witnesses, the Police (in regards to incidents) and solicitors
• directly from you.

You acknowledge that we may be required as a matter of law or regulation to disclose Personal Data provided to us to a Court of law or regulatory body such as the PRA or the FCA or Lloyd’s or ELTO or any other public body or authority of competent jurisdiction and you consent to any such disclosure.

We will not pass your information to any third parties except to enable us to process your claim, prevent fraud and comply with legal and regulatory requirements. In which case we may need to share your information with the following third parties within the EU:

• solicitors or other claims handling agents appointed by us or by you
• underwriters and reinsurers
• fraud and crime prevention agencies, including the Police.
• other suppliers carrying out a service on our, or your behalf.

We will not use your information for marketing further products or services to you or pass your information on to any other organisation or person for sales and marketing purposes without your consent.

Data Retention

We will hold your details for up to seven years after the expiry of your policy, complaint and/or claims settlement.

Your rights

Your personal data is protected by legal rights, which include your rights to:

• object to our processing of your personal data.
• request that your personal data is erased or corrected.
• request access to your personal data and date portability.
• complain to the Information Commissioner’s Office, which regulates the processing of personal data.

You can request to see what data we hold on you, there is no charge for this service.

If you have any questions about our privacy policy or the information we hold about you please contact us.