Automated decisions

Fraud checks made when a quote is requested, when certain changes are made to a policy, and at renewal.

Synectics Solutions

We send details about each applicant to the fraud agency. They match the details to the information they hold. This includes details from other applications you have made and your previous behaviours in relation to those.  They use this to create a profile for you which is translated into a numerical score. This score is returned to us.

The score is used for two purposes:

1. To help us reduce fraud and keep costs down for genuine customers.
2. To help us assess the risks posed by insuring the household.

This means that based on the score 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.

You can request a copy of the information held by the fraud agency, by contacting them at:

Synectics Solutions Ltd
PO Box 3700
Stoke On Trent
ST6 9ET

You can also ask us to review our automated decision within 1 month of the decision having been made. You can do this by contacting us at the email address shown above this table. 

Credit checks made when a quote is requested, when certain changes are made to a policy, and at renewal.

Experian

We send details of the first named applicant to the credit agency. They match the details to information they hold, including past payment behaviours, information from the electoral roll and other finance applications made. They use this to create a profile which is translated into a numerical score. This score is returned to us.

Please note that these credit checks are ‘soft’ checks which means they are not visible to other insurers or to lenders and will not affect your credit rating.

We use the credit score to help us assess the risks posed by insuring the household.

This means that based on the score your premium may be increased or discounted or we may exclude some covers or apply other special terms.  

You can request a copy of the information held by the credit agency, by contacting them at:

Experian Ltd
The Sir John Peace Building
Experian Way
NG2 Business Park
Nottingham
NG80 1ZZ

You can also 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 contacting us at the email address shown above this table.

Checks made against information we hold about you within the Lloyds Banking Group when a quote is requested, and at renewal.

Lloyds Banking Group companies (including under the Halifax and Scottish Widows brands).

We may create a profile for the first named applicant based on information previously provided to us and other companies within the Lloyds Banking Group. This could include information, for example, from other products and services you have applied for, and how you have operated these.

This profile will be translated into a set of numerical scores.

The numerical scores are used to help us understand the risks posed by insuring the household.

This means that based on the scores your insurance premium may be increased or discounted.

We will process this information on the basis of  our 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.

Decisions relating to previous claims history, made when a quote is requested, when certain changes are made to the policy, and at renewal.

Information provided by you during the quote process.

The information you provide is automatically compared against our internal insurance acceptance criteria.

We 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.

You 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 contacting us at the email address shown above this table.