Sharing of Information

Your privacy is important to us and we promise we will respect your personal information. we will use your information to manage your insurance with us, including underwriting, claims handling and statistical analysis. Please be aware this may include disclosing your information within the AXA Group and to any agents who provide services on our behalf.

We will hold and use information about you supplied by you. we may send it in confidence for processing to within the AXA Group (or companies acting on our instructions) including those located outside the European Economic Area. By accepting this insurance you consent to such use of your personal data.

Fraud prevention & Credit Reference Agencies

We make searches about you at credit reference agencies who will supply us with information, including information from the Electoral Register and credit information. The agencies may record details of the search whether or not this application proceeds. We may use scoring methods to assess this application and to verify your identity. Searches and other information which is provided to us and/or the credit reference agencies, about you and those with whom you are linked financially may be used by us if you, or other members of your household, apply for other facilities including insurance applications and claims. This information may also be used for debt tracing and the prevention of money laundering as well as the management of your account.

To keep premiums low we do participate in a number of industry initiatives to prevent and detect fraud. To help prevent crime we may at any time:

• Approach the DVLA to check all or any relevant driving licence details of anyone named on the policy;
• Share information about you with other organisations and public bodies including the police;
• Share information about you and any other named drivers on the policy within the AXA Group and with other insurers;
• Pass the details you have supplied to recognised centralised insurance industry applications, policy and claims checking systems (for example the Motor Insurance Anti-Fraud and Theft Register, CUE, CIFAS and all DVLA databases) where those details will be checked and updated.
• Check the details you have supplied with fraud prevention agencies and databases including publicly available data (for example on County Court Judgements, bankruptcy information and electoral role data). If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies to prevent fraud and money laundering;
• Periodically search records held by fraud prevention and credit reference agencies to:
  • help make decisions about credit services for you and your Financial Associates
  • help make decisions on insurance policies and claims for you and your Financial Associates;
  • trace debtors, recover debt, prevent fraud and to manage your insurance policies
  • check your identity to prevent money laundering.

For more information about the agencies with which we share your data, including further details explaining how the information held by fraud prevention agencies may be used, please email us at informationsharing@swiftcover.com.

You are responsible for providing accurate and up-to-date information, and by accepting these terms you are confirming that you have the consent to supply data for you and any other named drivers on the policy.

Motor Insurance Database

Information relating to your policy will be added to the Motor Insurance Database ("MID") managed by the Motor Insurers’ Bureau ("MIB"). MID and the data stored on it may be used by certain statutory and/or authorised bodies including the Police, the DVLA, the DVLANI, the Insurance Fraud Bureau and other bodies permitted by law for purposes not limited to but including :

• Electronic Licensing;
• Insurance Enforcement;
• Law enforcement (prevention, detection, apprehension and or prosecution of offenders) The provision of government services and or other services aimed at reducing the level and incidence of uninsured driving;

If you are involved in a road traffic accident (either in the UK, the EEA or certain other territories), insurers and or the MIB may search the MID to obtain relevant information.

Persons (including his or her appointed representatives) pursuing a claim in respect of a road traffic accident (including citizens of other countries) may also obtain relevant information which is held on the MID.

It is vital that the MID holds your correct registration number. If it is incorrectly shown on the MID you are at risk of having your vehicle seized by the Police. You can check that your correct registration number details are shown on the MID at www.miic.org.uk.

You should show this notice to anyone insured to drive your car covered under this policy.

Information on products and services

If you have given us permission, we and other companies may use your details to send you information about other products and services that may interest you or to carry out research.

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