Flood Excess Insurance is committed towards the privacy of our website users, and this website complies with both the General Data Protection Regulation (GDPR) (EU) 2016/679 and the Directive on Privacy and Electronic Communications 2002/58/EC.
Data Protection Privacy Notice
This Privacy Notice contains important information to help you to understand how we collect, use and share data about you. The notice is intended to help you understand:
Who we are
Modus Underwriting Ltd is an Appointed Representative of Advent Solutions Management Ltd who are authorised and regulated by the Financial Conduct Authority.
How we collect and use your data
We receive your personal data either from you directly when you enter details on our website or we receive your personal data from your Insurance Broker when you buy a policy from them. You are not obligated to provide us with your personal data but without it we will be unable to provide you with our services.
We collect personal data as part of providing services to you. We may also monitor or record calls, emails, or other communications in accordance with UK Law.
We collect and use personal information about you to administer your insurance policy throughout its lifecycle. It is in our legitimate interest as we have contracted with Catlin Insurance Company (UK) Ltd to arrange your insurance policy. It may also be necessary to collect and use your personal data to safeguard against fraud and money laundering, and to meet our general legal and regulatory obligations.
We do not hold your personal data for the purposes of marketing to you, directly or otherwise.
The personal data we collect and use is:
How we share your data
It is sometimes necessary to share your personal information with relevant third parties. We may share your information with;
Your data is not transferred outside of the EEA.
We will keep your data for as long as is necessary for the purposes for which it was originally collected
This enables us to help you should there be any issues relating to your policy after its expiry and otherwise meet our legal and regulatory obligations.
You have the right to;
If you choose to restrict the processing of your data, we may not be able to continue to provide you with our services.
We will comply with any restriction on the processing of your data unless fulfilling your request would reveal information about another person, or if you ask to delete information which we are permitted or required by law to keep.
If you would like a copy of some or all of the personal information that we hold about you, or to update or correct any of said information, please email us at firstname.lastname@example.org or write to the Compliance Manager, Modus Underwriting Ltd. PO Box 77621, London, EC3P 3EF.
If you would like to make a complaint about our handling of your personal data, please contact the Compliance Manager at the address and email above and we will do our best to deal with the issues that you have raised as quickly and fairly as possible. If you are still unhappy you can complain to the Information Commissioners office through https://ico.org.uk/concerns
Use of information
In addition to the above use, Flood Excess Insurance also uses information acquired via the website to better understand how it is being used and how it can be improved. It is important to be aware that this type of information is aggregate data (such as the total number of website visitors) and does not identify individuals.
In processing the data we receive Catlin Insurance Company (UK) Ltd may use that data for fraud prevention/detection and may disclose data to third parties in connection with this.
To prevent unauthorised access, maintain data accuracy and ensure the correct use of information, Flood Excess Insurance has put in place appropriate physical, electronic and managerial procedures designed to safeguard and secure the information that is collected through the website.
Further information and contact details
Modus Underwriting Ltd
PO Box 77621
London, EC3P 3EF
Telephone 0345 241 0950
If you have any queries you can contact us using any of the options below.Phone: 0345 241 0950
Contact: Contact Us
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