Income Protection

Privacy Policy

type of information we collect

Quote Sports Insurance (trading style of Intrinsic House Ltd) will require certain data, the information which we collect may include;

• • Any personal details about you as an individual which you provide to us through forms on the Website and emails exchanged with us or any of its personnel, such as your name, address, telephone number, job title etc.
• • Your preferences and use of email updates, as recorded by emails that we send you (if you elect to receive email updates on our products and offers).
• • Your IP Address, a string of numbers unique to your computer that is recorded by our web server when you request any page or component of the Website. This information may be used to monitor your usage of the Website.

How we use your information

Information you give to us will be treated as confidential and will not be disclosed other than to insurers, or other specialist or wholesale insurance markets we may use to place your insurance, and in the normal course of arranging and administering your insurance, however, if there is a claim, we may need to provide your personal details to a loss adjuster, or other third party who is involved in providing a service in the settlement of your claim. You will be addressed by your name if we need to update you or notify you on any changes, such as to regulations or risk management. We may also send you information about other products and services we offer that would complement your existing insurance arrangements with us or which would offer protection against other insurable risks we have identified which may be suitable for your needs. You have the option to unsubscribe from this service at any time. Information we hold may be used for research or statistical purposes, but this would be on an anonymous basis so that you could not be personally identified. We will not give anyone else your personal information except on your instructions or authority, or where we are required to by law, or due to our regulatory requirements.

• • Any information about you as an individual which we collect from the Website will be used in accordance with the UK Data Protection Act 1998 and other applicable laws.
• • The information will be used to deal with you and / or your company, including making sales to you or your company, making contracts with you or your company, processing such contracts, and providing after sales service. We may pass your information to another organisation to supply/deliver products or services you or your company have purchased and/or to provide after-sales service.
• • In certain cases, we may use your email address to send you information about our products and services. If so, you will be offered the option to opt out of receiving such e-mails.
• • We may need to pass your personal information to other companies for administrative purposes. We may use third parties to carry out certain activities, such as processing and sorting data, monitoring how customers use the Website and issuing our e-mails. Third parties are not allowed to use your personal information for their own purposes. For these purposes your details may be transferred outside the European Economic Area (EEA) and you consent to such transfer by using the Website.
• • We may transfer your personal information to a third party as part of a sale of some or all our business and assets to any third party or as part of any business restructuring or reorganisation, in which event we will take steps to ensure that your privacy rights continue to be protected.
• • We will not sell or pass on your personal information to any other person, except a company within our group or in accordance with paragraph 4(d) above, or if we are required or permitted to do so by law.
• • Under no circumstances will we hold payment details such as your card number, expiry date and security code. Where payments are handled through an accredited payment bureau, you should visit their website to view their privacy policy.
• • In order to effectively process credit or debit card transactions it may be necessary for the bank or card processing agency to verify your personal information for authorisation with an entity outside the EEA. Such information will not be transferred out of the EEA for any other purpose.

If there are changes to our privacy policy

There may be changes to our privacy policy to comply with changing laws and regulations. If there is a change, we will update our privacy policy on the website.

Application

This privacy policy relates to;

• • How we handle information received or collected about you as an individual through the Website,
• • How we communicate with you as an individual, and;
• • Your rights as an individual in respect to such information and communications. It does not relate to information about companies held and processed by us.

Definitions

In this privacy policy references to;

• • “we”, “us” or “our” are to Quote Sports Insurance, which is a trading style of Intrinsic House Ltd (registered in England number: 07045623) whose registered address is at: Head Office address: The Colchester Centre, Hawkins Road, Colchester, Essex, CO2 8JX
• • “the Websites” are to www.quotesportsinsurance.co.uk and www.intrinsichouse.co.uk and any other website owned or operated by us.

Your rights

If at any point you believe the information we process on you is incorrect, you can ask us to update or correct it. You can also ask to see the information that we hold or ask that it be deleted. Please be aware however that deleting your information will affect our ability to administer your insurance or assist you with a claim or complaint. If you wish to raise a complaint on how we have handled your personal data, you can contact our Data Protection Officer who will investigate the matter. If you are not satisfied with our response or believe we are not processing your personal data in accordance with the law, you can complain to the Information Commissioners Office (ICO) by calling their helpline on 0303 123 1113.

Income Protection - for your sport

All sports covered

You will be covered for ANY sport you take part in, no matter how extreme.

Income Protection - for your sport

24/7 cover

Cover at home, at work and whilst taking part in ANY sport or activity.

Income Protection - for your sport

Income of up to £1,154 per week

Up to £1,154 per week, to help pay for living expenses and household bills, if you can't work due to injury or illness. Subject to policy.

Income Protection - for your sport

Day one cover available

Receive an income from the first day you are unable to work.

Income Protection - for your sport

Short and long term cover

Long term cover pays out until you return to work, or reach your retirement age.

Low cost short term cover pays your monthly benefit for a maximum of 1, 2 or 5 years.

Income Protection - for your sport

Up to £6,000 lump sums

Lump sums of up to £6,000 for fractures, ligament tears, tendon ruptures and dislocations.

Income Protection - for your sport

No proof of income required

Self-employed? Unable to prove your income? Low and/or fluctuating profits? This type of policy ensures a high monthly benefit, irrespective of your income level. Subject to policy.

Income Protection - for your sport

Monthly Income Protection Benefit

This can be paid from the first day off work due to ANY accident or sickness, providing an income to meet your financial commitments.

Income Protection - for your sport

Do you smoke?

You are classed as a smoker if you have smoked or used ANY tobacco-related products (including nicotine patches and e-cigarettes) within the last 12 months.

Income Protection - for your sport

Date of Birth

You must be aged between 16 and 64 to apply.

Income Protection - for your sport

Gross Annual Income

Employed - your earnings before tax (including overtime, bonuses & commissions etc.)
Self-Employed / Partnership - your pre-tax profit, for the previous 12 months
Company Director - your earnings before tax, plus gross dividends