We are committed to protecting your privacy when dealing with your personal information (personal data) and your sensitive personal data (special categories of personal data).This Privacy Statement sets out details of the information that we may collect from you and how we may use that information. Please read this Privacy Statement carefully.
When using our website (the “Website”), this Privacy Statement should be read alongside, and in addition to, the Cookie Policy.
You may see reference to our trading name “Premier Guarantee”. This is a trading name only. For the purposes of this privacy statement and under data protection law, the data controller of your personal information will be the relevant company (legal entity).
In this Privacy Statement, references to "MD Group" or “we” or “us” are references to:
The registered office for each MD Group company is:
2 Shore Lines Building
Shore Road
Birkenhead
Wirral CH41 1AU
Telephone: (+44) 15 1650 4300
The specific group company, that acts as data controller, will depend on the services we provide and our relationship with you. The companies within the MD Group have been established to provide and administer insurance, surveying, building control and other related services. MD Insurance Services Limited, MDIS (International) Limited and MD Affinity Schemes Limited are regulated insurance intermediaries acting as an underwriting agent for and on behalf of a panel of insurers. MDIS (International) Limited and MD Affinity Schemes Limited are both currently in run-off.
MD Insurance Services Limited, MDIS (International) Limited and MD Affinity Schemes Limited are each wholly owned by their parent company, HSB Engineering Insurance Limited (“HSB”). Each company in the MD Group forms part of the wider Munich Re group of companies.
MD Warranty Inspection Services Limited (MDWIS), MD Warranty Support Services Limited (MDWSS), MD Technical Surveyors Limited (MDTS) and MD Remedial Contractors Limited (MDRC) are each wholly owned subsidiaries of MD Insurance Services Limited. MDWIS is responsible for undertaking warranty inspections and providing technical guidance and training to manage construction risk for all sites covered by MD Group’s insurance schemes. Our Registered Building Control Approver, MDWSS is responsible for undertaking Building Control design checks and specific inspections to monitor compliance with Building Regulations. MDTS and MDRC are no longer actively trading, but provided technical building surveying expertise and remedial works contract management services respectively.
We will notify you of the relevant data controller at the time we collect your personal information. All data from this website is held by MD Insurance Services Limited. If you have any questions about this, please contact us using the details set out below.
Insurance involves the use and disclosure of your personal information by various insurance market participants, such as intermediaries, insurers and reinsurers. The Insurance Market Core Uses Information Notice (available here) sets out those core necessary personal information uses and disclosures. Our core uses and disclosures are consistent with the London Market Core Uses Information Notice. We recommend you review this notice.
We collect information that identifies, describes, relates to or is reasonably capable of being associated with you (“Personal Information”) on our websites and in the course of providing our services. The information that we collect and process will depend on our relationship with you. For example, we collect and use different Personal Information according to whether you are an insured policyholder, a claimant, a customer to whom we provide inspection services, or a visitor of our website(s). When you provide Personal Information to us about other individuals (for example, where you are a customer to whom we provide services and you provide us with Personal Information about your employees or your own customers), we will collect, use and disclose such Personal Information in accordance with this Privacy Statement. You should refer them to this statement before supplying us with their data on their behalf. Please click on the section below that best describes your relationship with us.
The information that we collect and process will depend on our relationship with you (e.g. as a sole trader in receipt of inspection services from us or an employee of an organisation in receipt of such services). You can click the below for more information.
Criminal records that relate to you (including offences and alleged offences and any court sentence or criminal conviction).
If you are a customer or, for example, a council tenant, of an organisation who has engaged an MD Group company to inspect property at your location (for example, a stair lift), this section will be relevant to you and sets out our uses of your personal information.
We collect personal information:
We collect personal information:
We will keep your personal information confidential and will only share it where necessary for the purposes set out above with the following parties:
Personal information is shared between our internal departments for the purposes described in this Privacy Statement.
We also disclose your information to the following third parties for the purposes described in this Privacy Statement . You can contact us for details of specific disclosures made in respect of your information.
We may use your personal information for a number of different purposes. In each case, we must have a "legal ground" to do so. We will rely on the following “legal grounds” when we process your "personal information":
In respect of your personal information, the legal grounds which are relevant to you are:
When the information that we process is classed as “special categories of personal information", we must have an additional “legal ground". We will rely on the following legal grounds when we process your "special categories of personal information":
- Name
- Job title
- Job History
- Address
- Telephone number
- Email address
- Date of birth
- Commercial interest
- Details of the site/property to be inspected
- From you
- Your broker
- Any agent or representative acting on your behalf
- Insurers/Reinsurers/ Insurance intermediaries or other insurance market participants
- Group companies
- Loss adjusters
- Credit reference agencies
- House builders
- Publicly available sources
- Group companies
- Insurers and reinsurers
- Our agents and brokers
- Other intermediaries or market participants
- Any agent or representative acting on your behalf
- Credit reference agencies
- Fraud detection agencies/anti-fraud databases
- Specialists such as actuaries, solicitors, tax advisors
- Loss adjusters
- Auditors
- Debt collection agencies
- Government and Regulatory Agencies
- Builders & Building organisations
- IT Providers
- Assessing your insurance policy eligibility and pricing
- Setting you up as a client
- Administering your insurance policy
- Managing insurance claims
- Arranging and executing building inspections
- Reporting on building defects found during inspections.
Lawful basis of processing:
- Performance of our contract with you
- Legitimate Interest
- Training, monitoring quality control and internal audit
- Enhancing our services and products and for analytical purposes
- Reporting within our group
- Receiving professional advice (e.g. tax or legal advice)
- Debt collection
Lawful basis of processing:
- Legitimate Interest
- Consent
- Marketing including satisfaction surveys
Lawful basis of processing:
- Legitimate Interest-Consent
- Information about the quotes and/or insurance policies you have applied for or taken out
- From you
- Your broker
- Any agent or representative acting on your behalf
- Insurers/Reinsurers/ Insurance intermediaries or other insurance market participants
- Group companies
- Loss adjusters
- Group companies
- Insurers and reinsurers
- Our agents and brokers
- Other intermediaries or market participants
- Any agent or representative acting on your behalf
- Credit referencing agencies
- Fraud detection agencies/anti-fraud databases
- Specialists such as actuaries, solicitors, tax advisors
- Loss adjusters
- Auditors
- Debt collection agencies
- Government and Regulatory Agencies
- IT Providers
- Managing you as a client including arranging and administrating insurance cover, underwriting, evaluating and pricing the risks to be insured and calculating, validating and collecting any appropriate premium
Lawful basis of processing:
- Performance of our contract with you
- Training, monitoring quality control and internal audit
- Enhancing our services and products and for analytical purposes
- Reporting within our group
- Receiving professional advice (e.g. tax or legal advice)
- Debt collection
Lawful basis of processing:
- Legitimate Interest
- Premiums and claims paid on your policies
- Bank account or payment card details
- Other financial account numbers and account details
- Billing address
- From you
- Your broker
- Any agent or representative acting on your behalf
- Insurers/Reinsurers/ Insurance intermediaries or other insurance market participants
- Group companies
- Loss adjusters
- Credit reference agencies
- Group companies
- Insurers and reinsurers
- Our agents and brokers
- Other intermediaries or market participants
- Any agent or representative acting on your behalf
- Credit referencing agencies
- Fraud detection agencies/anti-fraud databases
- Specialists such as solicitors, tax advisors
- Loss adjusters
- Auditors
- Debt collection agencies
- Government and Regulatory Agencies
- IT Providers
- Managing you as a client including administrating insurance cover, underwriting, evaluating and pricing the risks to be insured and calculating, validating and collecting any appropriate premium/payments
Lawful basis of processing:
- Performance of our contract with you
- Maintaining accounting records and analysing financial results.
- Debt collection
Lawful basis of processing:
- Legitimate Interest
- Credit history, credit score, sanctions and information from anti-fraud/sanctions list databases concerning you
- Insurers/Reinsurers/ Insurance intermediaries or other insurance market participants
- Credit reference agencies
- Anti-fraud databases, sanction lists, court judgements and other government agencies
- Group companies
- Insurers and reinsurers
- Our agents and brokers
- Other intermediaries or market participants
- Any agent or representative acting on your behalf
- Credit referencing agencies
- Fraud detection agencies/anti-fraud databases
- Specialists such as solicitors, tax advisors
- Loss adjusters
- Auditors
- Debt collection agencies
- Government and Regulatory Agencies
- IT Providers
- Setting you up as a client including checks for possible fraud, sanctions, and anti-money laundering
Lawful basis of processing:
- Compliance with a legal obligation
- Managing you as a client including administrating insurance cover, underwriting, evaluating and pricing the risks to be insured and calculating, validating and collecting any appropriate premium/payments
Lawful basis of processing:
- Performance of our contract with you
- Information about previous and current claims.
- Relevant claim information and documents, such as lease or tenancy agreement and information about your property.
- From you
- Any agent or representative acting on your behalf.
- Insurers/Reinsurer/ Insurance intermediaries or other insurance market. participants.
- Loss adjusters.
- Anti-fraud databases.
- Defendants
- Witnesses
- Specialists including solicitors.
- Group companies
- Insurers and reinsurers
- Our agents and brokers
- Other intermediaries or market participants
- Any agent or representative acting on your behalf
- Fraud detection agencies/anti-fraud databases
- Solicitors
- Auditors
- Loss Adjusters
- Debt collection agencies
- Government and Regulatory Agencies
- IT Providers
- Managing insurance claims
Lawful basis of processing:
- Performance of our contract with you
- Preventing and investigating fraud
Lawful basis of processing:
- Compliance with a legal obligation
- Defending or prosecuting legal claims.
Lawful basis of processing:
- Processing is necessary for the defence of legal claims
- Your name
- Your phone number
- Your address
- Your email
- Your job title
- IP address
-From our website including web forms
- IT Providers
- Information security and business continuity and to protect our services and IT systems
- Develop and improve our products and services.
Lawful basis of processing:
- Legitimate Interest
- Criminal records and convictions
-Insurers/ Reinsurers/ Insurance intermediaries or other insurance market participants
- Anti-fraud databases, sanction lists, court judgements and other government agencies
- Group companies
- Insurers and reinsurers
- Our agents and brokers
- Other intermediaries or market participants
- Any agent or representative acting on your behalf
- Fraud detection agencies/anti-fraud databases
- Loss adjusters
- Solicitors
- IT Providers
-Preventing and investigating fraud
Lawful basis of processing:
- Substantial public interest to prevent and detect fraud
- Defending or prosecuting legal claims
Lawful basis of processing:
- Processing is necessary for the defence of legal claims
We may use your personal information to provide you with information about events, products, services, news or other topics which may be of interest to you or your clients.
If you wish to unsubscribe from emails sent by us, you may do so at any time by clicking on the 'unsubscribe' link that appears in all marketing emails. Otherwise, you can always contact us on the details provided in the 'Your Rights' section to update your contact preferences.
From time-to-time we may carry out surveys. Participation in these surveys is completely voluntary and you may choose whether or not to participate. Information requested may include contact information (such as name and address), and demographic information (such as address, age level).
Contact information might be used for purposes of monitoring or improving the use and satisfaction of this website.
Please review our Cookie Policy.
We will keep your personal information for as long as reasonably necessary to fulfil the purposes set out in the “Our processing of your personal information” section and to comply with our legal and regulatory obligations. We typically keep policy and claims records for 7 years from the expiry date of your policy.
Our records retention guidelines are based on our legal or business needs including but not limited to the following criteria:
If you would like further information regarding the periods for which your personal information will be stored, please contact us using the details set out below.
Sometimes we (or our group companies and third parties acting on our behalf) may transfer personal information that we collect about you to countries outside of the United Kingdom ("UK").
Where a transfer occurs, we will take steps to ensure that your personal information is protected. We will do this using a number of different methods, including putting in place appropriate contracts. We will use a set of contract wording known as the "standard contractual clauses" which has been approved by the data protection authorities.
Depending on our relationship and your particular circumstances, we might transfer personal information anywhere in the world.
If you would like further information regarding our overseas transfers, please contact us using the details set out below.
Under data protection law, you have a number of rights in relation to the personal information that we hold about you which we set out below. These rights might not apply in every circumstance. You can exercise your rights by contacting us at dataprotection@hsbeil.com. We will not usually charge you in relation to a request.
Please note that although we take your rights seriously, there may be some circumstances where we cannot comply with your request; such as where complying with it would mean that we couldn't comply with our own legal or regulatory requirements. In these instances, we will let you know why we cannot comply with your request.
In some circumstances, complying with your request may result in your insurance policy or inspection services contract being cancelled or your claim being discontinued. For example, if you request erasure of your personal information, we would not have the information required to pay your claim. We will inform you of this at the time you make a request.
You can ask us to update or remove or express any concerns about your personal information by submitting your request at dataprotection@hsbeil.com or by call (+44) 15 1650 4300.
You are entitled to a copy of the personal information we hold about you and certain details of how we use it.
Where your request has been made electronically (e.g. by email), a copy of your personal information will be provided to you by electronic means where possible.
We will usually provide your personal information to you in document format unless you request otherwise.
We always take care to ensure that the information we hold about you is accurate and where necessary up to date. If you believe that there are any inaccuracies, discrepancies or gaps in the information we hold about you, you can contact us and ask us to update or amend it.
In certain circumstances, you are entitled to ask us to stop using your personal information, for example where you think that the personal information we hold about you may be inaccurate or where you think that we no longer need to use your personal information.
Where we rely on your consent in order to process your personal information, you have the right to withdraw such consent to further use of your personal information.
This is sometimes known as the 'right to be forgotten'. It entitles you, in certain circumstances, to request deletion of your personal information. For example, where we no longer need your personal information for the original purpose we collected it for or where you have exercised your right to withdraw consent.
Whilst we will assess every request, there are other factors that will need to be taken into consideration. For example, we may be unable to erase your information as you have requested because we have a regulatory obligation to keep it for a specific period of time.
You have control over the extent to which we market to you and you have the right to request that we stop sending you marketing messages at any time. You can do this either by clicking on the "unsubscribe" button in any email that we send to you or by contacting us using the details set out on our "Contacting Us" page.
Please note that even if you exercise this right because you do not want to receive marketing messages, we may still send you service related communications where necessary.
In certain circumstances, you can request that we transfer personal information that you have provided to us to a third party.
We do not carry out any automated decision-making. If this changes in the future, we will provide you with an updated statement setting out our decision making process.
We have appointed a Data Protection Officer to oversee our handling of personal information. If you have any questions about how we collect, store or use your information, you may contact our Data Protection Officer by telephoning (+44) 15 1650 4300 or by e-mailing us at dataprotection@hsbeil.com.
To exercise your rights please simply write to us at the following address:
The Data Protection Team
MD Insurance Services Limited
2 Shore Lines Building
Shore Road
Birkenhead
Wirral
CH41 1AU
You also have a right to complain to the Information Commissioner's Office (ICO) if you believe that we have breached data protection laws when using your personal information.
You can visit the ICO's website at https://ico.org.uk/ for more information. Please note that lodging a complaint will not affect any other legal rights or remedies that you have.