information that we may collect from you, how we may use that information, and your rights relating
If you provide us with somebody else's personal data, you must provide them with a copy of this
privacy notice before doing so.
In order to provide our services, Unoccupied Direct will collect and use data about individuals.
Therefore, Unoccupied Direct is the controller of your data and this means that we are responsible
for complying with data protection laws. Unoccupied Direct is a trading name of Unoccupied Direct
Limited, who are authorised and regulated by the Financial Conduct
Authority under Firm Reference Number 797627 Registered in England and Wales. Reg No. 10621712
Registered address: 4 Old Park Lane, London, United Kingdom, W1K 1QW.
Contact number: 0800 015 2211. Website: www.unoccupieddirect.co.uk.
We may process your information for a number of different purposes. For each purpose, we must have a
legal ground for such processing and we will rely on the following legal grounds:
We have genuine business needs to use your personal information such as maintaining our business
records and keeping records of insurance policies we place and analysing and improving our business
model and services, as well as the need to hold records for future liability claims. When using your
personal information for these purposes, we have considered your rights and ensured that our
business need does not cause you harm.
We may ask for personal data such as; Name, Date of Birth, Addresses, Nationality, Telephone
numbers, Occupation, Email address, IP address, Bank Account Name, account number and sort code.
Information relating to your previous insurance policies and claims history in order to advise on
your future needs, and special categories of information such as Criminal Convictions that are not
considered spent under the Rehabilitation of Offenders Act 1974, as this is relevant to the
underwriting of your insurance policy. Information captured during recordings of our telephone
https://www.unoccupieddirect.co.uk/cookie-policy for more information.
The protection of data is something we take extremely seriously. We comply at all times with our
statutory obligations regarding data protection in relation to all of our policies. Client
information is confidential and is strictly always treated as such. We never, under any
circumstances, release information or details about any of our clients or policyholders to anybody
else or to any other company, organisation or third party. The only time that your information may
be passed on to third parties will be if we are instructed to do so by law, when we are arranging
insurance on behalf of another insurer, via our live chat facility, or credit on behalf of another
consumer credit provider, or for the purpose of handling claims or complaints. These instances may
require us to provide relevant information to a third party such as a broker acting on your behalf
or other companies who act as insurance distributors, the insurer, independent loss adjusters,
Consumer Credit provider, or Regulator/ Supervisory Authority, as well as our third-party services
providers such as IT suppliers, Live Chat suppliers, accountants, actuaries, auditors, lawyers,
companies within the Purple Bridge Group such as the marketing agency and claims management company,
document management providers, tax advisers and insurance software providers.
If you are an insurance agent, affiliate or any other individual or company associated in any way
with Unoccupied Direct then your personal and company information will never be released to anybody
else or any other company, organisation or third party. The only time your information may be passed
on to others will be if you have asked us to release such information or if we are directed to do so
We do not transfer data outside the European Union, to third countries or international
We will obtain your personal information directly from you or from someone else on your behalf in a
number of ways including where it is submitted in application forms, initial disclosure documents
and more generally during any forms of communication such as email, live chat and telephone. Also
from other third parties who might introduce customers to us such as another broker and insurers.
Personal information is collected by us from you when you request any of our online services or you
contact us by telephone with a quote request or you wish to purchase an insurance policy or you
request to make an amendment to your policy or for the handling of claims, if any. The information
we will request from you will be limited to the necessary information required to provide you with
the service you have requested. We do not ask for any information that is not necessary or is
irrelevant to your individual needs or requirements. Should your personal information change at any
time, we would ask you to keep us informed of the change so that our records may stay up to date.
We do not obtain your personal data from publicly accessible sources.
Where the provision of personal data is part of a statutory or contractual requirement or
obligation, if you fail to provide us with the personal data required, we have the right to
terminate the contract we have with you, or refuse insurance on this basis.
You have the right to rectify the personal data we hold if it is inaccurate or incomplete. In these
instances, we will inform any third parties of the amendment where possible, and also inform
yourself about the third parties to whom the data has been disclosed. We will respond to your
request to amend the data within 1 month, or 2 months if the amendment is complex. If we do not
fulfil your request, we will explain why this is. You will have the right to complain to the
supervisory authority and to a judicial remedy in these instances.
You also have the right to restrict the processing of your personal data when:
We will inform you when we decide to lift the restriction.
Personal information that we hold about you is always held securely on our in house computer
systems. Information provided through our website is also held securely on dedicated servers and
cannot be accessed by any third parties or individuals that are not part of our organisation. All
telephone calls received or made by us are recorded for monitoring and training purposes. Our
recorded telephone calls are also held on dedicated servers and can only be accessed by senior
employees of our organisation. For added security, recorded telephone calls cannot be amended or
deleted from the system. All communications via our Live Chat facility are recorded and stored by us
and Live Chat Inc.
You have the right to have personal data erased and to prevent processing in specific circumstances:
There are specific circumstances where the right to erasure does not apply and we can refuse to deal
with a request:-
If we have disclosed the personal data in question to third parties, we will inform them about the
erasure of the personal data, unless it is impossible or involves disproportionate effort to do so.
We will also do this if the processing of your data is restricted.
Your personal data is only retained by Unoccupied Direct for as long as necessary. The retention
periods differ based on the type of data processed, the purpose of processing or other factors.
These considerations include where any legal requirements apply for the retention of any particular
data. In the absence of any legal requirements, personal data will only be retained by Unoccupied
Direct for as long as necessary for the purpose of processing. This means that your data is to be
deleted by us e.g. when:
Exceptions may also apply to the processing for historical, statistical or scientific purposes.
Should you make a payment to us by using either your debit or credit card, then the information you
provide for this purpose will not be stored or retained by us. Any and all payments made online are
encrypted to prevent fraud and are not stored by us on any of our systems afterwards.
We may pass on your personal data including bank account name, account number and sort code to a
third party consumer credit provider, on your request.
Our bespoke website uses an analytical service that records clicks, customer movement, page
scrolling and data entered into website forms. This data is collated in order for us to improve our
website functionality and usability.
The information collected is stored purely for our own aggregated and statistical reporting use and
is not shared with any third parties.
Our website also uses software that tracks IP data of companies who visit the website. This
information is supplied to us from Whoisvisiting.com. Whoisvisiting.com is a service offered by
Whoisdata Limited and uses only information available from the public domain.
If you are accessing our website through a business, when you visit our site we may automatically
log your company’s IP address, a unique identifier for your computer or other access device. We
track the business IP address for security reasons and we will not use your IP address to identify
you, the individual, in any way.
There are rights in relation to automated decision making and profiling however we do not use your
information for automated decision making including profiling.
We invite consumers to provide us with feedback on our service. This participation is entirely
optional and is purely to gauge and ultimately improve the service offered to our clients.
Information collated will not be used for any other purpose, however from time to time we may
request to use this information for testimonial purposes in advertising. We will always obtain your
permission in doing so.
You have the right of access, meaning the right to obtain confirmation that your data is being
processed, access to your personal data and other supplementary information, such as this privacy
You may request to receive a copy of the personal information we hold about you, by making a request
in writing. There is currently no charge for this service, however there may be a reasonable fee
when a request is manifestly unfounded or excessive. To receive a copy, please write to us
requesting the information. All requests will be dealt with within the regulatory time period of
within 1 month of receipt. We will be able to extend the period of compliance by a further 2 months
where requests are complex or numerous.
You also have the right to data portability, meaning you can obtain and reuse your personal data for
your own purposes across different services. We will provide the personal data in a structured,
commonly used and machine readable form. However, we do not adopt or maintain processing systems
that are technically compatible with other organisations.
If we do not fulfil your request, we will explain why this is. You will have the right to complain
to the supervisory authority and to a judicial remedy in these instances without undue delay and at
the latest within one month.
There may also be circumstances where exercising some of the rights mentioned (such as the right
to erasure, the right to restriction of processing and the right to withdraw consent) will mean
your insurance can no longer be provided and it may therefore result in cancellation of your
policy. You will therefore lose the right to bring any claim or receive any benefit, including
in relation to any event that occurred before you exercised your right of erasure, if our
ability to handle the claim has been prejudiced.
If you need to contact Unoccupied Direct Data Protection Officer, you can contact:-
Data Protection Officer
Address: 4 Old Park Lane, London, United Kingdom, W1K 1QW
0800 015 2211
You have a right to complain to the Information Commissioner's Office if you believe that any use
of your personal information by us is in breach of applicable data protection laws and/ or
regulations. More information can be found on the Information Commissioner’s Office website:
This will not affect any other legal rights or remedies that you have.
of the courts of England and Wales.