We will use the information subject to data protection laws for various purposes. In summary, this includes but is not limited to managing and handling your insurance queries, underwriting and claims handling. We may use an anonymised form of it for various purposes. We may check the information against public sources (such as the electoral roll and court judgments bankruptcy or repossession and other insurance industry databases) and this may involve carrying out bankruptcy/judgment debt checks, fraud prevention, anti-money laundering and counter terrorism financing checks, subject to data protection law and with your consent if required. We may directly or indirectly share the information with other insurers, the Garda Síochána and other law-enforcement agencies, government agencies and/or regulatory authorities, as applicable. In addition, we may pass the information and claims history to agents, service providers, other Liberty Mutual Group companies, regulatory organisations, and to certain other third parties.
We share information with the Insurance Link database, run by Insurance Ireland. This information includes identification details and the nature of any damage suffered by anyone involved in a claim, in some cases including types of injuries. This information may be shared with other insurers and/or statutory authorities
The purpose of engaging in this insurance industry service is to help us authenticate information provided to prevent fraud and protect customers and to assess information at underwriting stage. This helps prevent multiple claims on the same injury or damage, assists in investigating fraud and the integrity of information provided. Where previous claims are identified through Insurance Link, insurers may exchange additional information on those claims, more information is available on Insurance Link at their website, which is listed below.
We may use the information you provide to get information from the National Vehicle and Driver File held by the Department of Transport.
We may contact you with a reminder that your insurance is due to be renewed. This contact may be made by a number of communication methods in addition to traditional correspondence, see below. We will use the details you have given us to provide information about our products and services and those of other companies in the Liberty Mutual Group and other companies whose products and services may interest you. However, we will not do so if you have already told us you do not want this information. We may also use your information for these purposes after your policy has ended, unless you ask us not to.
How we might contact you?
From time to time we may contact you using the information you have provided in relation to our products and services in any of the following ways:
- by phone
- by post
- by email
- by text message
- Through digital and/or other remote applications
Why might we contact you?
We might contact you:
- about an enquiry you have made;
- with relevant products or services offers;
- in relation to your policy or quote
- to ask for your feedback/views on the products and services we provide;
- to tell you about any important changes to our website; or
- where there is another genuine reason for doing so
How to Opt out
You can change your mind about receiving marketing information from us at any time. Each time we contact you electronically with marketing information or a marketing message, you can choose not to receive further marketing information from us to that email address or phone number. This is known as an 'opt-out'. If you want to 'opt-out', please phone us on 1890 89 1890 or email us at email@example.com. Please make sure you tell us about any changes to your marketing preferences for each affected address, email address or phone number you have registered with us. By going ahead with a Liberty insurance quote or policy or by giving us personal information including sensitive personal information (as more particularly described in our Security and Privacy Statement) you will be explicitly agreeing to us, our agents, other insurers and the other persons described in this notice (and/or in the Security and Privacy Statement) processing it for all relevant purposes including but not limited to those described in this notice. Before you provide us with any information about others, you should make sure they are aware of how we will use their information and have agreed to this. It is your responsibility to ensure that you have obtained the permission of any such persons and have shown this notice to them to allow us to process their personal data for the purposes outlined in this notice. For our policy about taking instructions from persons other than the Policyholder, details about data transfers outside the European Economic Area, how to obtain copies of personal information and who to contact in the event of questions, please see the Security and Privacy Statement (which contains a full overview about Liberty's use of your personal information) which we expect you to read. You can view this by visiting www.libertyinsurance.ie/company/privacy.html or by contacting our Customer Services Manager at Liberty Insurance, Dublin Road, Cavan, Co. Cavan or firstname.lastname@example.org for a hard copy. You can obtain confirmation on what information is held about you and your previous claims on Insurance Link by visiting www.inslink.ie.