Use of this Website
Except as otherwise stated, Newline Group (“Newline”) does not collect data containing confidential or personally identifying information (also referred to as personal data, special categories of personal data and personally identifiable information and, collectively, “PII”) from visitors to this website, unless provided by the visitor or the visitor’s browser. Newline has adopted policies to protect the confidentiality of your PII, including national insurance / social security numbers, and to limit access to those with a need to know such information. Newline will not use information provided through your use of this website, except to respond to direct enquiries or to measure traffic and traffic trends at this website. Newline does not provide or sell any of this information to third parties.
Newline reserves the right to change its policy regarding cookies and the collection of information from visitors to this website at any time without advance notice. Should any new policy be put into effect, Newline will post it on this website and the new policy will apply only to information collected thereafter. Any such policy will permit visitors to “opt out” of the collection of PII.
Information Collected, Use and Disclosure of Your Information
Newline limits the collection, disclosure and use of PII to only what is needed to properly produce, quote, underwrite, service and administer its insurance and reinsurance products and / or to fulfill legal or regulatory requirements and includes, but is not limited to:
- producing business.
- quoting, underwriting and renewing insurance and reinsurance products.
- policy administration.
- claims administration, adjusting and management.
- fraud detection, investigation, prosecution and prevention.
- loss control.
- other purposes outside the insurance lifecycle that are necessary for the provision of insurance throughout the insurance lifecycle period.
- business activities that Newline may legally undertake.
Legal Basis for Processing PII
Newline may use your PII in various circumstances, including if:
- you have provided your consent to such use;
- it is necessary for the performance of a contract with you or in order to take steps at your request prior to entering into a contract;
- it is necessary for compliance with a legal obligation to which Newline is subject;
- it is necessary to protect your vital interests or those of another natural person;
- it is necessary for the performance of a task carried out in the public interest;
- it is necessary for the purposes of the legitimate interests pursued by Newline or by a third party;
- the use relates to PII which is clearly made public by you;
- it is necessary for the establishment, exercise or defence of legal claims; or
- it is necessary for reasons of substantial public interest.
Sharing Your PII with Third Parties
The way insurance works means that PII provided to us may need to be shared with and used by a number of third parties in the insurance sector, including Newline’s group companies, agents, brokers, other insurers, reinsurers, loss adjusters, professional advisers, regulators, law enforcement agencies, fraud and crime prevention and detection agencies and compulsory insurance databases.
The London Insurance Market Core Uses Information Notice, which may be accessed via https://lmg.london/document/data-protection-insurance-market-core-uses-information-notice/, sets out those core necessary PII uses and disclosures. Newline’s core uses and disclosures are consistent with the London Insurance Market Core Uses Information Notice, and we recommend you review this notice.
We will only disclose PII in connection with the insurance cover we provide and to the extent required or permitted by law or regulation.
Newline does not sell information to any third parties and does not use it for marketing any of its insurance products.
Data Newline May Collect About You (Your PII)
In order for us to provide (re)insurance quotes, (re)insurance products and / or deal with any claims or complaints, Newline needs to collect and process PII. The types of PII that are collected and processed may include:
- Individual Details – Name, address (including proof of address), other contact details (for example, e-mail address and telephone numbers), gender, marital status, date and place of birth, nationality, employer, job title, employment history and family details, including their relationship to you.
- Identification Details – Identification numbers issued by government bodies or agencies, including your national insurance / social security number, passport number, tax identification number and driving licence number.
- Financial Information – Bank account or credit / payment card details, income or other financial information.
- Risk Details – Information about you which Newline needs to collect in order to assess the risk(s) to be (re)insured and provide a quote. This may include data relating to your health, criminal convictions or other special categories of PII. For certain types of products, this could also include telematics data.
- Policy Information – Information about the quotes you receive and policies you take out.
- Credit and Anti-Fraud Data – Credit history, credit score, sanctions, criminal offences and information received from various anti-fraud databases relating to you.
- Previous and Current Claims – Information about previous and current claims (including other unrelated insurances), which may include data relating to your health, criminal convictions or other special categories of PII and, in some cases, surveillance reports.
- Special Categories of PII – Health, criminal convictions, racial or ethnic origin, political opinions, religious or philosophical beliefs, trade union membership, genetic data, biometric or data concerning sex life or sexual orientation.
Where Newline Might Collect Your PII From
Newline might collect your PII from various sources, including:
- your family members, employer(s) or representative(s);
- other insurance market participants;
- the internet;
- credit reference agencies;
- anti-fraud databases, sanctions lists, court judgments and other databases;
- government agencies;
- the open electoral register; or
- in the event of a claim, third parties, including other party/ies to the claim (claimant / defendant), witnesses, experts (including medical experts), loss adjustors, attorneys and claims handlers.
Which of the above sources apply will depend on your particular circumstances.
Safeguarding Your Privacy
Newline is committed to protecting your privacy. Newline maintains physical, electronic and procedural safeguards to protect your PII from unauthorized access. Newline reviews its policies and practices, monitors its computer networks, tests the strength of its security and monitors its compliance with relevant laws and regulations in order to help it ensure the safety of your PII.
Access to PII is limited to those employees and authorized representatives, attorneys and service providers who specifically need such information to conduct their business responsibilities. If you conclude your relationship with Newline, Newline will continue to safeguard your privacy in accordance with the standards described in this Privacy Statement.
All employees of Newline are required to comply with this Privacy Statement. Employees who violate this Privacy Statement are subject to disciplinary measures.
Newline cannot ensure that all of your private communications and other PII will never be disclosed in ways not otherwise described in this Privacy Statement. For example, Newline may be forced to disclose information to the government, to regulators having jurisdiction, on the order of a court of competent jurisdiction, in response to a statutory obligation or, under certain circumstances, to third parties. In addition, third parties may unlawfully intercept or access transmissions or private communications. Newline can (and you authorize Newline to) disclose any information about you to law enforcement or other government officials as Newline, in its sole discretion, considers necessary or appropriate in connection with an investigation of fraud, intellectual property infringements or other activity that is illegal or may expose Newline to legal liability.
Newline may use affiliated companies and / or service providers located outside of the European Union to process and store PII. Those transfers would always be made in compliance with relevant laws and regulations. If you would like further details about how your PII is protected when transferred outside the EEA, please contact Newline’s Data Protection Officer as indicated below.
Automated Decision Making
Newline does not process any PII using automated decision making.
Your Right of Access – You have the right to ask us for copies of your PII. This right always applies. There are some exemptions, which means you may not always receive all the information we process.
- Your Right to Rectification – You have the right to ask us to rectify PII you think is inaccurate. You also have the right to ask us to complete information you think is incomplete. This right always applies.
- Your Right to Erasure – You have the right to ask us to erase your PII in certain circumstances.
- Your Right to Restriction of Processing – You have the right to ask us to restrict the processing of your PII in certain circumstances.
- Your Right to Data Portability – This only applies to information you have given to us. You have the right to ask that we transfer information you have given to us to another organisation or give it to you. This right only applies if we are processing information based on consent or under or in connection with entering into a contract with you and the processing is carried out by automated means.
- Your Right to Object to Processing – You have the right to object to processing of your PII in certain circumstances.
To exercise any of your rights, please send your written request to Newline’s Data Protection Officer as indicated below. Newline will respond to your request within thirty (30) days or advise you if additional time is required to respond to your request.
Questions or Concerns
If you have any questions or concerns about this Privacy Statement, Newline’s data protection practices or your dealings with this website, you can contact Newline’s Data Protection Officer via:
Attn: Data Protection Officer
1 Fen Court
Tel: +44 (0)20 7090 1700 (request the Data Protection Officer)
Fax: +44 (0)20 7090 1701
You may also have the right to lodge a complaint with the relevant supervisory authority/ies which, in the United Kingdom, is the Information Commissioner’s Office.
Newline appreciates your questions and comments about its website and services and welcomes your e-mail messages to mailboxes listed on this website. Newline will share your messages with those within its group that are most capable of addressing the issues contained in your message. Newline will keep a copy of your message until it has had an opportunity to address your concerns. Newline may archive your message for a certain period of time or discard it, as appropriate.
Newline operates through various companies outside of the United Kingdom. Their Privacy Policies may be accessed as follows:
- Australia – Newline Australia Insurance Pty Ltd;
- Germany – Newline Europe Versicherung AG (English language) and (German language);
- Malaysia – Newline Malaysia Limited; and
- Singapore – Newline Asia Services Pte. Ltd.
Changes to this Privacy Statement
This Privacy Statement may be amended from time to time. Please check this website for any amendments and for the current version of this Privacy Statement.
Last Updated: 08 December 2023