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«Car Insurance This booklet tells you what you’re covered for and how to make a claim Welcome to Nationwide Car Insurance Thank you for choosing ...»

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Information you provide, we obtain or exchange, may be held on computer, paper file or other format, whether or not you purchase a policy. We’ll hold this information for a reasonable time to ensure we have a clear and complete history of Insurance enquiries, applications, policy records and transactions.

We and our agents (eg service providers that we have agreements with both within and outside the European Economic Area) may use this information (some of which may be sensitive data) to process and administer your insurance. It may also be used or disclosed to regulators to monitor and enforce our compliance with any regulation. Occasionally, your personal information may be disclosed to selected third parties who are helping us improve our service.

If you give us your credit card, debit card or bank details we may use it to automatically renew your insurance. We’ll only do this where you say we can.

If your details have been obtained through one of our affinity associations we may pass some of your information, including policy details and ongoing information, to that affinity organisation for membership, business analysis and other relevant purposes.

If you move to a new insurer we may confirm certain details about your insurance to them. We’ll only do this if we’re sure it’s a genuine request.

If we receive a request for policy information by an individual other than the policy holder we’ll check that the policy holder has given permission to do this.

We won’t use sensitive personal data for marketing purposes.

Credit Search and Identity check We use information obtained from credit reference agencies who will check the details supplied against any database, public or otherwise. This helps us to confirm your identity, allows us to give you a quote and decide which payment options we can offer you, for example, paying monthly.

You’ll see a record of this Credit search if you request a Credit Report. No other organisation who may conduct credit searches will be able to see it.

If we conduct an Identity check a record of this will be retained by the credit reference agencies and may be provided to other organisations to assist with verification and identification purposes. You’ll see a record of this Identity check if you request a Credit Report. These searches won’t affect your credit record or credit rating in any way. You can request your Credit Report from any credit reference agency.

Document of Insurance Car Motor Insurance Database We’ll add details about your insurance policy to the Motor Insurance Database (‘MID’) which is managed by the Motor Insurers’ Bureau (‘MIB’). The MID and the data stored on it may be used by the Police, the DVLA, the DVANI, the Insurance Fraud Bureau and other bodies permitted by law for purposes not limited to but


• electronic licensing

• continuous insurance enforcement

• law enforcement (prevention, detection, apprehension and/or prosecution of offenders)

• the provisions of government services and/or other services aimed at reducing uninsured driving.

If you’re involved in a road traffic accident (either in the UK or abroad), insurers and/or the MIB may search the MID to obtain relevant information.

Other persons (including their appointed representatives) pursuing a claim in respect of a road traffic accident (including foreign citizens) may also obtain relevant information held on the MID.

It’s vital that the MID holds your correct registration number. If not you risk the Police seizing your car. You can check that your registration number is shown on the MID at www.askmid.com Policy discounts We provide discounts (e.g. multi-product discount) in certain circumstances where there is more than one insurance held with us at the same address and we may validate any discounts against these insurances.

This could result in anyone else living at your address who has an insurance with us, being made aware that someone else at your address, including you, has insurance with us.

Previous claims and accidents If asked, you must tell us about any claim or accident (even if it wasn’t your fault). When you tell us we’ll pass

information about it to various databases. We may search these databases:

• when you apply for insurance;

• if you have a claim;

• at renewal.

We’ll do this to validate your claims history or that of any other person or property likely to be involved in the insurance or claim.

Document of Insurance Car 29 Fraud prevention and detection We’ll check your information against a range of registers and anti-fraud databases for completeness and accuracy. We may also share your information with law enforcement agencies, other organisations and public bodies.

If we find that false or inaccurate information has been given to us, or we suspect fraud, we’ll take appropriate action. If fraud is identified, details will be passed to fraud prevention agencies. Law enforcement agencies may access and use this information.

We and other organisations, including those from other countries, may also access and use this information

to prevent fraud and money laundering, for example, when:

• checking details on applications for credit and credit related or other facilities;

• managing credit and credit related accounts or facilities;

• recovering debt;

• checking details on proposals and claims for all types of insurance;

• checking details of job applicants and employees.

Please contact us at GFC, LV=, County Gates, Bournemouth BH1 2NF if you want to receive details of the registers and fraud prevention agencies.

Use of your information by Nationwide Any information about you and your policy may be shared within Nationwide to open and manage the policy, make lending decisions, collect debts, trace debtors, prevent fraud and money laundering and for business analysis. It may also be shared within Nationwide and with specialist companies for market research purposes on behalf of Nationwide. It may also be shared with other organisations for the purposes of them providing products and services in association with or on behalf of Nationwide. Nationwide may use your information to populate application forms for products provided or introduced by Nationwide. If you notify Nationwide of changes to your personal details, it is Nationwide’s normal practice to update all of your accounts unless you ask Nationwide not to. If you have opened an account or policy with another organisation introduced or provided to you by Nationwide, you will need to contact them and update your details.

Nationwide may inform you of special offers, products and services, either by letter, telephone or email.

If you are a new Nationwide customer and you do not wish to receive marketing material by letter, telephone or email, or any combination of these you can write to Nationwide at Nationwide Building Society, Marketing opt-out, FREEPOST SCE 7125, Swindon SN38 9LY.

If you are an existing Nationwide customer your current marketing preferences will continue unless you tell Nationwide otherwise. If you have given a previous marketing instruction to any subsidiary, or trading division of Nationwide Building Society, your request to them will not change.

‘Nationwide’ means Nationwide Building Society, its subsidiaries and trading divisions. If you require further information you can ask for a copy of Nationwide’s leaflet ‘How Nationwide uses your personal information’.

This can be requested from a branch and is also available online at www.nationwide.co.uk You have the right of access to your personal records held by Nationwide and the credit and fraud agencies.

Nationwide charges a fee for this service. You can ask for a copy of the leaflet ‘How Nationwide uses personal information’ which will tell you how to apply for your records and explains in more detail how your information will be used by Nationwide, the fraud prevention agencies and any permitted third parties.

Nationwide may make changes from time to time to this leaflet and you can obtain a copy of the most recent version at any time from a branch or online at nationwide.co.uk Document of Insurance Car The law that applies to your insurance If you have a motor policy and live in Guernsey, the law of Guernsey applies or if you live in Jersey, the law of Jersey will apply to that contract with us.

Other than that, the law of England and Wales applies to your contract with us.

Communications All communications will be in English. You can get this and other documents from us in Braille, large print or audiotape by contacting us. Calls may be recorded for training and monitoring purposes.

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For TextDirect first dial 18001.

To help continually improve customer service, calls may be monitored and/or recorded.

This policy document is available in large print, audio and Braille.

Please contact us on 0800 028 5688 and we will be pleased to organise an alternative version for you.

Nationwide Car insurance is provided by Liverpool Victoria Insurance Company Limited. Registered office: County Gates, Bournemouth, BH1 2NF.

Tel 01202 292333. Registered in England and Wales No. 3232514. Nationwide Building Society and Liverpool Victoria Insurance Company Limited are both authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

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