By submitting any information about you and/or others within this website, you and they consent to its use as set out in this Privacy Policy.

This Policy (together with our Terms of Use and Cookies Policy and any other documents referred to in it) sets out the basis on which any personal data we collect from you, or that you provide to us via this website, will be processed by us. Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it. By visiting www.mib.org.uk (this “Website”) you are accepting and consenting to the practices described in this policy.

For the purpose of the General Data Protection Regulations, the data controller is Motor Insurers’ Bureau of Linford Wood House, 6-12 Capital Drive, Milton Keynes MK14 6XT (“us”, “our”).

1. Information we may collect from you

We may collect and process the following data about you:

Information you give us.
You may give us information about you by filling in forms on this website, uploading content to this website and or by corresponding with us by phone, e-mail or otherwise. This includes, but is not limited to, information you provide when you register to use this Website, participate in discussion boards or other social media functions on this website (if any), complete a survey, and when you report a problem with this website. The information you give us may include your name, address, e-mail address, phone number and personal description (if appropriate).

Information we collect about you.
With regard to each of your visits to this website we may automatically collect the following information:

  • technical information, including the Internet protocol (IP) address used to connect your computer to the Internet, your login information, browser type and version, time zone setting, browser plug-in types and versions, operating system and platform;
  • information about your visit, including the full Uniform Resource Locators (URL) clickstream to, through and from this website (including date and time); page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs), and methods used to browse away from the page and any phone number used to call our customer service number.

Information we receive from other sources.
We may receive information about you if you use any of the other websites we operate or the other services we provide. We also work closely with certain third parties (including, for example, the DVLA, DVLNI, insurers, aggregators, brokers, software houses, law enforcement bodies, government departments, local authorities and other public or private bodies) and may receive information about you from them.

2. Purpose and legal basis for processing

Personal data obtained directly from data subjects 
MIB directly receives personal data from:

  • Claimants under the various compensation agreements we administer
  • Users of our database services
  • Visitors to our websites who may fill out enquiry forms

It is necessary to process personal data in pursuit of the legitimate interests of MIB or third parties in order to provide the above services. Privacy policies for each of the services are shown on the individual MIB Group websites that we provide.

Personal data not obtained from data subjects 
MIB operates several national databases on behalf of the UK Insurance industry, and receives personal data indirectly when insurers upload policy and claims information to the databases. Details of our database services are found on the “Managing Insurance Data” tab on the MIB home page.

Uploading to the databases is necessary to meet the requirements of UK statute and to pursue the legitimate interests of MIB and the insurance industry.

The lawful basis for processing differs for each database, as each is used for its own specific purpose. If you require specific details these are available by contacting the Data Protection Officer at GDPREnquiries@mib.org.uk

Please also check the privacy notices provided by your insurers to understand which elements of your personal data are uploaded to our databases.

3. How will we use your personal data?

The information you supply or we collect about you may also be used by us and our agents for the purposes of claims administration, crime prevention and prosecution of offenders, research, management information, staff training, providing guidance, public relations and or debt administration and recovery.

We will also use information held about you in the following ways:

Information you give to us.
We will use this information:

  • to carry out our obligations arising from any contracts entered into between you and us and to provide you with the information, products and services that you request from us;
  • to provide you with information about other goods and services we offer that are similar to those that you have already enquired about;
  • to notify you about changes to our service;
  • to ensure that content from this website is presented in the most effective manner for you and for your computer.

Information we collect about you.
We will use this information:

  • to administer this website and for internal operations, including troubleshooting, data analysis, testing, research, statistical and survey purposes;
  • to improve this website to ensure that content is presented in the most effective manner for you and for your computer;
  • to allow you to participate in interactive features of our service, when you choose to do so;
  • as part of our efforts to keep this website safe and secure;
  • to make suggestions and recommendations to you and other users of this website about goods or services that may interest you or them.

Information we receive from other sources.
We may combine this information with information you give to us and information we collect about you. We may use this information and the combined information for the purposes set out above (depending on the types of information we receive).

4. Who else will have access to your data?

We may share your personal information with any member of our group, which means our subsidiaries, our ultimate holding company and its subsidiaries, as defined in section 1159 of the UK Companies Act 2006 (“Group”).

We may share your information with selected third parties including:

  • the DVLA and DVLNI, member insurers, law enforcement bodies, government departments, local authorities and other public or private bodies, where we are obliged or permitted by law to do so. This includes disclosure to third party managed databases of insurance claims used to help prevent fraud, and regulatory bodies for the purposes of monitoring and/or enforcing MIB’s compliance with any regulatory rules/codes;
  • business partners, suppliers and sub-contractors for the performance of any contract we enter into with them or you;
  • analytics and search engine providers that assist us in the improvement and optimisation of this website;
  • a third party we are under a duty to disclose or share your personal data with in order to comply with any legal obligation, or in order to enforce or apply our Terms of Use and other agreements; or to protect the rights, property, or safety of MIB, its Group, our members or others. This includes exchanging information with other companies and organisations for the purposes of fraud prevention, detection and protection.

5. Will we transfer data overseas?

The data that we collect from you may be transferred to, and stored at, a destination outside the European Economic Area ("EEA"). It may also be processed by staff operating outside the EEA who work for us or for one of our suppliers. Such staff may be engaged in, among other things, the provision of services on your behalf, the processing of your details and the provision of support services. By submitting your personal data, you agree to this transfer, storing or processing. We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy.

Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to this website; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.

6. Data retention period

MIB operate and manage different services and databases on behalf of the UK insurance industry. Depending on the service you require, MIB may retain your personal data for a specified period of time. If you wish to know how long your personal data is retained for, you can contact the Risk & Compliance team at 01908 830 001 or email GDPREnquiries@mib.org.uk

7. Your rights

Our contact details for exercising any rights differ slightly for each of our databases, so please refer to the drop down menus on our home page to find the most appropriate form of contact. To assist we have forms which let you know what data we have available to request, along with details of the proof of identity we will need from you.  

Right of access 
You have a right to request a copy of the personal data we hold about you on any of our databases, and it can be exercised by submitting a Data Subject Access Request (“DSAR”). Our website explains how to get access to your own personal data, please see the drop-down menus on the home page.

Right of rectification 
If you believe the data we hold about you is incorrect, you have a right to have this corrected. Please be aware that we may need to take steps to verify the accuracy of the new data you provide to us.

Right to erasure 
With limited exceptions you have the right to request the deletion or removal of personal data MIB holds about you where there is no good reason for MIB continuing to process it. You also have the right to ask MIB to delete or remove your personal data where you have successfully exercised your right to object to processing (see below), where MIB may have processed your information unlawfully or where MIB is required to erase your personal data to comply with law. Although MIB will consider every request for erasure on its merits, MIB may not always be able to comply with your request of erasure for specific legal reasons which will be notified to you, if applicable, at the time of your request.

Right to object 
You have a right to object to the processing of your personal data where MIB is relying on a legitimate interest (or those of a third party) and there is something about your particular situation which makes you want to object to processing on this ground as you feel it impacts on your fundamental rights and freedoms. You also have the right to object where MIB is processing your personal data for direct marketing purposes. In some cases, MIB may demonstrate that it has compelling legitimate grounds to process your information which override your rights and freedoms.

Right to restrict processing 
You have a right to request us to restrict the processing of your personal data held on our database for the period it takes us to rectify any inaccurate data about you. This right can also be used to prevent the MIB from deleting your data at the end of the retention period in the unlikely event that you need it to establish, exercise or defend a legal claim.

Right to withdraw consent 
Where we are relying on consent to process your personal data, you have a right to withdraw that consent, however this will not affect the lawfulness of any processing carried out before withdrawal.

8. Changes to the Privacy Policy

Any changes we may make to our Privacy Policy in the future will be posted on this page. Please check back frequently to see any updates or changes to our Privacy Policy.

9. Data Protection Officer

Questions, comments and requests regarding this Privacy Policy are welcomed and should be addressed to the Data Protection Officer (Chief Risk Officer), MIB, Linford Wood House, 6-12 Capital Drive, Milton Keynes MK14 6XT or email at GDPREnquiries@mib.org.uk

10. Contact us

If you have any complaints about how the MIB handles your personal data, please contact us by telephone on 01908 830 001, or by email at enquiries@mib.org.uk and we will do our best to assist.

If, after we have given you our final response, you are still dissatisfied you have a right to lodge a complaint with:

Information Commissioner’s Office:
Wycliffe House
Water Lane
Wilmslow
Cheshire
SK9 5AF

Tel: 0303 123 1113 or 01625 545 745
https://ico.org.uk/concerns/

The ICO currently recommends that you contact them within 3 months of your last contact with us.

  

11. Cookies Policy

The following explains how the Motor Insurers' Bureau ("MIB") uses non-intrusive cookies on this website. Continued use of this website implies your (or a user of your computer's) ("you") acceptance of this Cookie Policy.

A 'cookie' is information that a website transfers to and stores on the hard drive of your device so that it can remember something about you at a later time. A ‘cookie’ recognises you when you return to this Website. MIB may collect information by ‘cookies’ about your device including the IP address, operating system and browser type. This information is used to improve the use of this website, to track visitor use of this website and to compile statistical reports on website activity. For further information visit www.aboutcookies.org or www.allaboutcookies.org

MIB uses the following cookies:

  • Strictly necessary cookies. These are cookies that are required for the operation of this Website. They include, for example, cookies that enable you to log into secure areas of this Website.
  • Analytical/performance cookies. They allow us to recognise and count the number of visitors and to see how visitors move around this Website when they are using it. This helps us to improve the way this Website works, for example, by ensuring that users are finding what they are looking for easily.
  • Functionality cookies. These are used to recognise you when you return to this Website. This enables us to personalise our content for you, greet you by name and remember your preferences (for example, your choice of language or region, and High Visibility setting).
  • Targeting cookies. These cookies record your visit to this Website, the pages you have visited and the links you have followed. We will use this information to make this Website and the advertising displayed on it more relevant to your interests. We may also share this information with third parties for this purpose.

MIB uses the following individual 'cookies':

  • To collect generic information using Google Analytics to see how visitors use this website. The cookies collect information in an anonymous form, including the number of visitors to this website, what websites visitors have come from and the pages they visited. MIB uses this information to compile reports and help us improve this website.
  • Retargeting ‘cookies’ - To control a form of marketing called Retargeting. When a user visits one of MIB's websites the browser will identify the ‘cookie’ on the hard drive of the user's device, and it will know if it has previously visited this website or not. You may receive ‘cookies’ from MIB when you visit one of the following websites:

http://www.mib.org.uk
http://stayinsured.askmid.com
http://www.askmid.com

or you may receive additional cookies as a result of being directed to either:

http://stayinsured.askmid.com or
http://www.askmid.com websites from our advertising banner(s) which are displayed on other 3rd party websites.

(This is whether you clicked on the MIB banner or simply passed over it.) The type of information gathered by this process counts the hits to this website and/or banner(s) linked to an IP address and domain.  This information is used by MIB in reporting statistical information. MIB uses tracking technologies in a variety of ways, including:

  • keeping count of return visits to this website or our partners' or third party websites;
  • accumulating and reporting aggregate statistical information on this website and advertisement usage; and
  • determining which features users like best.

Such information may be transferred and or accessed by third party motor insurance organisations.

Please note that third parties (including, for example, advertising networks and providers of external services like web traffic analysis services) may also use cookies, over which we have no control. These cookies are likely to be analytical/performance cookies or targeting cookies.

How to refuse to accept cookies 
At any time, you may refuse to accept cookies on this website by activating the setting on your browser which allows you to refuse the setting of cookies. Information on deleting or controlling cookies is available at www.AboutCookies.org. By deleting cookies in this manner, you will also disable MIB’s cookies that control the High Visibility settings of your browser. If you refuse to accept ‘cookies’, you may be unable to access all or certain parts of this website.

To opt out of being tracked by Google Analytics across all websites visit http://tools.google.com/dlpage/gaoptout