Renters Insurance – Automated Decisions
Our Renters quote process uses automated decisions based on information we collect from you and about you. Decisions made without human involvement help to ensure we can offer a fast and consistent service.
Automated decisions can affect the price, features and availability of our products. Where indicated below, you have the right to ask us to review the decision. You can do this by writing to us at:
Halifax Home Insurance,
Home Customer Services,
PO box 846,
1 Lovell Park Road,
Leeds,
LS1 9QL
The timescales in which to request a review are set out in the table below (see “Your rights”). Timescales may differ depending on the type of automated decision you want reviewed.
Decisions will be reviewed by a suitably qualified member of staff, and we will provide you with the outcome within one month of your request. If your case is particularly complex, we may require up to a further two months to consider it. If this happens, we will write to tell you. It would be useful if, when writing to us, you could include any further details you would like us to consider in support of your case.
Automated decisions details
Details of the key automated decisions that are made during the application process.
|
Automated decision (details) |
Source of information |
How the decision is made |
Potential impacts of the decision |
Your rights |
|---|---|---|---|---|
Automated decision (details)Decisions relating to unspent convictions, or where insurance has previously been cancelled or voided by the Insurer; made when a quote is requested, when certain changes are made to a policy, and at renewal. |
Source of informationInformation provided by you during the quote process. |
How the decision is madeThe information you provide is automatically compared against our internal insurance acceptance criteria. |
Potential impacts of the decisionWe use the information to help us understand the risks of insuring the household. This means that based on the information provided, you may be declined cover with us. |
Your rightsYou can ask us to review our automated decision within 1 month of the decision having been made. You can do this by writing to the address shown above this table. |
Automated decision (details)Decisions relating to stated occupation, made when a quote is requested, when certain changes are made to the policy, and at renewal. |
Source of informationInformation provided by you during the quote process. |
How the decision is madeThe information you provide is automatically compared against our internal insurance acceptance criteria. |
Potential impacts of the decisionWe use the information to help us understand the risks of insuring the household. This means that based on the information provided, you may be declined cover with us, your premium may be increased or discounted, or we may exclude some covers or apply other special terms. |
Your rightsYou can ask us to review our automated decision. If you wish to do this, you should do so as soon as possible. You can do this by writing to the address shown above this table. |
Automated decision (details)Decisions relating to previous claims history, made when a quote is requested, when certain changes are made to the policy, and at renewal. |
Source of informationInformation provided by you during the quote process. |
How the decision is madeThe information you provide is automatically compared against our internal insurance acceptance criteria. |
Potential impacts of the decisionWe use the information to help us understand the risks of insuring the household. This means that based on the information provided, you may be declined cover with us, your premium may be increased or discounted, or we may exclude some covers or apply other special terms. |
Your rightsYou can ask us to review our automated decision. If you wish to do this, you should do so as soon as possible. You can do this by writing to the address shown |
Automated decision (details)If you request a home insurance quotation, our underwriters use an automated decision making process to provide you with a price for the cover requested. If the home insurance offer is not accepted than the underwriters retain the personal data that you provided for 13 months. |
Source of informationPersonal data provided by you or any one else that requested the home insurance quotation. |
How the decision is madeThe automated decision is used to decide what to charge and compare what you tell us with other records to work out how likely you are to claim. |
Potential impacts of the decisionIf the offer of cover is not taken up then the underwriter will retain your data for 13 months to study and learn about our customers needs. |
Your rightsThe underwriter will process this information on the basis of their legitimate business interest. You have the right to object to this and can do so at any time by writing to the address shown above this table. Where we can support the need to continue processing the information we are not obliged to stop. However, we must explain our decision and inform you of your ongoing rights |
Halifax is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Bank of Scotland plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.