Your information

Talk to TIM is a registered trading style of Staysure.co.uk Limited. Staysure.co.uk Limited is authorised and regulated by the Financial Conduct Authority (FCA Registration number: 436804).

Talk to TIM collects personal information when you complete an online quote or telephone our Contact Centre for a quote. We use this information to provide the product and services that you request and to manage your insurance policy or policies and, if you agree, to send you marketing information. We will not share your information for marketing purposes with companies outside of the Staysure Group. For more information about how we use your information please read our Privacy Policy.

Talk to TIM Privacy Policy

Talk to TIM is a registered trading style of Staysure.co.uk Limited. It is registered in England and Wales at: Staysure.co.uk Limited, McGowan House Waterside Way, The Lakes, Northampton, Northamptonshire, United Kingdom, NN4 7XD. Company number 05142148.

In this Privacy Policy, "we", "us" and "our" means Talk to TIM and "you" and "your" means the person who wishes to use our products and services.

This policy explains how we use any personal information we collect about you when you use our website or telephone our Contact Centre. We process your information fairly and lawfully, in accordance with the Data Protection Act (1998) and Which? Web Trader Code of Conduct.

  • Information we collect about you

    We collect information about you when you complete an online quote or telephone our Contact Centre to get a quote for insurance, amend or renew your policy. We also collect information when you voluntarily complete customer surveys, provide feedback and participate in competitions. When you use our website information is collected using cookies. If you contact us electronically (for example via our website or email), we may collect your Internet Protocol (IP) address or telephone number supplied by your service provider. We may use this information to help us detect fraud.

  • Sensitive personal information

    The information we collect may include sensitive personal information, such as your pre-existing medical conditions. We will only use this information for the specific purpose for which you provided it and for the services described in your policy documentation. We will never collect sensitive information about you without your specific consent. You can check the information we hold about you by contacting us on 0333 006 3212.

  • Information about other people

    If you are providing us with another person's personal information in connection with a quote for insurance, you should ask them to also read this Privacy Policy. By giving us information about another person you are confirming that they have given you consent to provide the information to us.

  • Use of your information

    We collect information about you in order to process a quote for insurance, to administer your insurance policy, to renew insurance, to handle claims, to prevent and detect fraud and, if you agree, to email or call you about other products and services we think may be of interest to you.

    Information may be used for these purposes by us, the insurers on our panel, their agents and suppliers acting on our behalf (including loss adjusters or investigators). Where it is necessary for your data to be transferred to another party for these purposes we will ensure that your data is securely protected.

  • Marketing and research

    We may use your information to:

    • keep you informed by post, telephone, email or other means of products and services that we think may be of interest to you.
    • carry out market research or data analysis to help us improve the services we provide or to design new services for the future.
    • share with others so that they may offer you their products and service.
  • Recommend a friend

    When you provide details of a friend you are recommending to Talk to TIM , you are confirming that you:

    • have obtained the consent of your friend to pass their personal details to us and for your friend to
      receive an email from Talk to TIM.
    • are happy for us to disclose your details as the person who asked that we send the email to your friend.
  • Cookies

    Cookies identify your computer to a server that then enables information to be stored on the hard drive of your computer. Cookies allow a computer to be identified as corresponding to one that has accessed another website or visited a website previously. Cookies are commonly used on the internet and do not harm your computer system. Cookies collect standard internet log information and visitor behaviour information. This information is used to track visitor use of our website and to compile statistical analysis reports of website activity. Information collected in this way can be used to identify you and used to ensure your web journey is as easy and as targeted as possible. You can set your internet browser not to accept cookies and remove them from your browser. For further information visit www.aboutcookies.org or www.allaboutcookies.org. Please be aware that deleting certain cookies can result in difficulties when navigating around sites.

  • Information security

    Our website and computer systems use enhanced encryption to ensure that your personal and confidential data (such as your name, address, credit card number, and other information) cannot be intercepted, unscrambled or copied when being transmitted between our server, you and others acting on our behalf. Credit and debit card payments are processed securely by our partners Netbanx (Optimal Payments PLC) www.netbanx.com and Chase Paymentech Europe Ltd www.chasepaymentech.co.uk.

  • Overseas transfer of personal information

    We may process your personal information in countries outside of the European Economic Area which may not have laws to protect your personal data, but in all cases we will ensure that it is kept securely and only used for the purposes for which you provided it. Details of the companies and countries involved can be provided on request.

  • Identity checks and credit searches

    To check your identity and that of anyone travelling on your policy, to assess your application, renewal or claim, or to prevent fraud and money laundering we may:

    • check publicly available information such as the Electoral Register, County Court Judgments, bankruptcy or repossession orders.
    • search files made available to us by Credit Reference Agencies (CRA) of which they may keep a record.

    We may also:

    • ask the CRA to provide a credit scoring computation. Credit scoring uses several factors to calculate the risks involved in any application. There is a score for each factor and the total score, along with the factors described above, is used to assess your application.
    • use information relating to you supplied to us by the insurer, credit provider or third parties such as other insurance companies or fraud prevention agencies.
    • carry out checks against information that we may hold about you as a customer for other Talk to TIM or Staysure insurance policies or products (this may include your claims and your payment record).
    • use the information you provide for the above purposes when you apply for any Talk to TIM products or services now or in the future.
  • Disclosure of information to third parties

    We do not sell, trade or rent your information and will never disclose information about you to third parties, except to fulfil your specific requests for a product, service or information that a third party may deliver. For example, if you take out an insurance policy provided by a third party, they will need your details in order to administer the policy and process any claims. Other circumstances where we are operationally or contractually obliged to pass on your information may be where third parties administer part or all of the service, underwriting, for pricing purposes, testing, and to maintain management information for business analysis. We may of course be obliged by law to pass on your information to the police or any other statutory authority.

  • Fraud prevention and detection

    To prevent and detect fraud we or the insurer may share information about you with other organisations including the police and fraud prevention agencies. Law enforcement agencies may access and use this information. If you provide false or inaccurate information and we identify that fraud has been committed we will pass your information on to fraud prevention agencies. We may access and use information recorded by fraud prevention agencies from other countries. If you would like details of the fraud prevention agencies please email or write to us at Talk to TIM , McGowan House Waterside Way, The Lakes, Northampton, Northamptonshire, United Kingdom, NN4 7XD.

  • Access to your information and correction

    You have the right to request a copy of the information we hold about you. If you would like a copy of this information please write to: Customer Services Manager – Talk to TIM , McGowan House, The Lakes, Waterside, Bedford Road, Northampton NN4 7XD, giving your name, address and insurance policy number. We charge an administration charge of £10 for this service, please include a cheque made payable to Staysure.co.uk Ltd with your request.

    We want to make sure that your personal information is accurate and up to date. You may ask us to correct or remove information if you think it is inaccurate, and we will confirm if any amendments are made.

  • Other websites

    Our website links to other websites. This Privacy Policy only applies to Talk to TIM 's website so when you link to other websites you should read their own Privacy Policies.

  • Changes to our Privacy Policy

    We keep our Privacy Policy under regular review and we will place any updates on this webpage. This Privacy Policy was last updated on 7th January 2015.

  • How to contact us

    Please contact our Customer Services team if you have any questions about our Privacy Policy or the information we hold about you by:

    Email: info@talktotim.co.uk

    Letter: Talk to TIM , McGowan House, The Lakes, Waterside, Bedford Road, Northampton NN4 7XD.

    Telephone: 0333 006 3212

    You can also use these contact details if you wish to register a complaint. If you cannot settle your complaint with us, you may be entitled to refer it to the Information Commissioner's Office.