PRIVACY POLICY

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Carrot Risk Technologies Limited is registered under the Data Protection Act 1998 for the use of your personal data in assessing you for insurance cover. Our ICO registration number is Z3006272

Your rights are protected by the Act and as part of this if you proceed to a full quotation with us you will be asked to confirm your agreement to use your data for marketing purposes.

Under the terms of the Data Protection Act 1998, if you require a copy of the information we have concerning you, please write to the The Compliance Officer, Carrot Risk Technologies Limited, Global House, Westmere Drive, Crewe Business Park, Crewe, Cheshire, CW1 6ZD and enclose a cheque for the administration fee of £10.00 made payable to Carrot Risk Technologies Limited.

In order for us to remain compliant with the Data Protection Act we request that you keep us informed of any changes to your personal details or circumstances that may impact the cover you intend to take out or already have in place. It is your responsibility to ensure that any details we hold are accurate and we can take no responsibility for ensuring your details remain current.

To protect your data you may be asked to answer a series of questions in so we may confirm that we are speaking to the policy holder. If you fail to answer these questions correctly we retain the right to not discuss details of the policy.

You will also be protected further by being asked for a password or login to access details online of any policies held with Carrot Risk Technologies Limited. We will never ask you to reveal this information to us online or via the telephone.

The information declared on your proposal form or Statement of Fact constitutes the basis of your contract, and will be submitted by us to your Insurer and to the agents appointed to handle claims on their behalf.

Insurers pass information to the Claims and Underwriting Exchange Register (CUE), run by Insurance Database Services Ltd (IDS Ltd) and the Motor Insurance Anti-Fraud and Theft Register (MIAFTR), run by the Association of British Insurers (ABI). The aim is to help them to check information provided and also to prevent fraudulent claims. When we deal with your request for insurance, we or your Insurers may search these registers.

Under the conditions of your policy, you must tell us about any incident (such as an accident or theft) which may or may not give rise to a claim. When you tell us about an incident, we or your Insurers will pass information relating to it to the registers.

Your policy details will be added to the Motor Insurance Database (MID), run by the Motor Insurers' Information Centre (MIIC). MID data may be used by the DVLA and DVLNI for the purpose of Electronic Vehicle Licensing and by the Police for the purposes of establishing whether a driver's use of the vehicle is likely to be covered by a motor insurance policy and/or for preventing and detecting crime. If you are involved in an accident, other UK insurers, the Motor Insurers' Bureau or the MIIC may search the MID to obtain information that is relevant to your policy. Persons 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.

You can find out more from your insurer, or at www.miic.org.uk. You should show this notice to anyone insured to drive the vehicle covered under your policy.

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