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Advent is committed to protecting the privacy and security of your personal information, and this Privacy Notice describes how we process and protect any personal information about you which we collect or receive. We also explain what your choices and rights are when it comes to the personal information we have about you.
This Data Privacy Notice applies to personal information provided by customers, brokers, cover holders, claimants, third party agents, complainants, candidates and suppliers of services to us. Please read this Data Privacy Notice carefully to understand our practices regarding personal information.
Our website contains links to other third party websites which have their own privacy policies. We do not accept any responsibility for their privacy policies or how they process your personal information.
In our dealings with you we try to avoid collecting or processing personal information other than the types and volume of personal information required to achieve the purposes set out in this Privacy Notice.
Who we are
We are Advent Capital (Holdings) LTD and its subsidiaries, including Advent Underwriting Limited which is the managing agent for Syndicate ADV 780 (“Advent”). Advent is a specialist insurance underwriting group and is a wholly owned subsidiary of Fairfax Financial Holdings Limited. This Privacy Notice applies to all the Advent companies that collect or obtain personal information.
Types of personal information we hold
We obtain and process a variety of different types of personal information depending on why you have contacted us, and the type of service provided. Personal information is collected by phone, email and postal correspondence, through the use of our website, and during our dealings with third parties. The personal information we obtain includes:
|Type of Personal Information||Example|
Official identification details
Identification items and numbers issued by government bodies or agencies. These include
Special categories of personal information
The special categories are information about your:
Risk and insurance details
This may include information relating to:
Where we might collect your personal information from
We might collect your personal information from various sources including:
- you or your family members
- your employer
- your broker and other insurance market participants such as coverholders, insurance agents, service providers, reinsurers, other insurers, third party agents, legal advisers, loss adjusters and claims handlers
- credit reference agencies and background reference agencies
- recruitment agencies
- antifraud databases, sanctions lists, court judgements and other databases
- government agencies such as HMRC and DVLA
- publicly available information such as the electoral register and social media websites
- in the event of a claim, third parties including any other party to the claim (such as a claimant/defendant), witnesses, experts, medical experts, hospitals and other healthcare provider, loss adjusters, lawyers and solicitors, and third party claims handlers.
Why we use your personal information
We use your personal information for the following reasons:
- As part of the process of underwriting and administering your insurance, which includes:
- understanding of the nature of the risk to be covered by the policy so we can offer you suitable insurance
- providing a competitive quote and appropriate policy wording
- performing due diligence checks such as verifying your identification, running credit or money laundering checks, and sanctions checks as required by law or regulation, or as part of good business practice
- processing premiums
- agreeing and recording changes to your policy
- arrangements for the renewal of your policy
- general customer contact
- To administer a claim you may make, which includes:
- registering your claim
- assessing your claim, including any liaison with third party loss adjusters
- handling the practical solutions offered by us in a personal accident policy e.g. third party emergency service providers, hospitals and clinics
- paying your claim
- the investigation of fraudulent claims
- the defence of or prosecution of valid and legal claims
- pursuing any recovery from a third party involved in your claim
- For the administration of our own business, which includes:
- the placing of our own reinsurances and making claims on those reinsurances
- monitoring our compliance with the laws and regulations that affect us
- business to business emails regarding information about our business, and invitations to events we hold
- for our own analysis so we can improve our business and ensure we are offering appropriate insurance products
- any sale or transfer of our policies to another company or due to restructuring of our own company
- the acquisition of your policy or the right to renew your policy from your existing insurer
- during all parts of the recruitment process
- monitoring the use of our website
- when you contact us through our website
- to process and respond to any complaint made by you
- to maintain records of our suppliers
Special category personal information
For some insurances we provide, we may need special category personal information so that we can provide a quote for your insurance and underwrite your policy. We may also obtain more detailed special category personal information if you make a claim against your policy.
Some special category personal information may be obtained by us during the recruitment process if you apply to us for a job.
Who we share personal information with
To allow us to meet our obligations and effectively provide our services to you, it may be necessary to pass your personal information to external parties, or make personal information available to them. These external parties include:
- organisations and companies that assist us with the underwriting function, such as credit reference agencies
- our suppliers and subcontractors for the performance of any contract we have with them
- organisations and companies that assist us with claims, such as claims handlers, loss adjusters and private investigators
- lawyers and solicitors and other parties involved in the investigation, defence or prosecution of claims
- the police and law enforcement agencies
- our reinsurers and our reinsurance brokers
- our professional advisers such as our auditors and lawyers
- our IT service providers
- the Prudential Regulatory Authority, the Financial Conduct Authority, the Information Commissioner’s Office and other regulators as required by law
- Companies that are part of the Fairfax Financial Holdings Limited group of companies
We maintain procedural, physical and electronic safeguards to protect your personal information when we send it to external parties, or make it available to them. We share personal information with others only when necessary for us to be able to provide services to you and to operate our business. We do not sell, rent or make personal information commercially available to any other entity for marketing purposes.
International data transfers
In order to provide our services as your insurer we may transfer or share your personal information with our third party service providers which may be outside the European Economic Area (‘EEA’) for operational reasons. The level of information protection in countries outside the EEA may be less than that offered within the EEA. Where this is the case, we will always take steps to ensure your information is treated and transferred securely with appropriate safeguards and controls in place so that your personal information remains protected.
Automated decision making
In some cases our agents may use an automated decision making process to generate a quote for an insurance policy. This process will only use information you provide to assess your application. This assessment will consider the level of risk involved and, if applicable, generate a quote. We take steps to ensure the automated decision making process is fair, effective and unbiased. You can object to the use of automated decision making by contacting our Data Protection Officer at the address shown below.
Ongoing storage and use of your personal information
We will not keep personal information for longer than necessary for the purpose for which it is processed, and it will be retained in accordance with our Data Retention Policies. Certain laws or regulations may require us to keep records for specific periods of time. We may also need to keep records in order to administer the ongoing insurance relationship, to fulfil contractual or statutory obligations or to resolve queries or disputes which may arise.
We will store your personal information based upon the following criteria:
- whether the personal information is actively required for the purposes stated in this Data Privacy Notice
- whether there is a legal or regulatory reason to continue to retain the personal information
Your data subject rights
Under Data Protection regulations you have the right to:
- obtain a copy of your personal information held by us
- have updated any personal information which is incorrect
- request that we delete any of your personal information
- restrict the use of your personal information
- object to the use of your personal information
- request the personal information you provided to Advent to be moved to another organisation
If you wish to exercise any of these rights please contact our Data Protection Officer at the address shown below stating your request and contact details. Please provide all information you feel is necessary so that we can respond to your requests effectively and efficiently.
In some cases there may be reasons why we are not able to fully comply with your request, and if this is the case, we will let you know these reasons.
If you have a complaint about the way we use your personal information we think it can best be dealt with by contacting us in the first instance.
We can be contacted via post at the address below, or by using the email address, and our Data Protection Officer will handle any questions you may have on the use of your personal information and your rights as a data subject.
The Data Protection Officer
Advent Capital (Holdings) Limited
2 Minster Court
If you are not satisfied with the way we respond to you, or if you do not wish to contact us first, you have the right to complain directly to the Information Commissioner’s Office whose Head Office is at the following address:
Information Commissioner's Office
More details about the Information Commissioner’s Office and how to contact it can be found on the following website: https://ico.org.uk/