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Privacy Policy

Who are we?

Newmoon Insurance is a trading style of Noble Insurance Services Ltd, part of Noble Insurance Group Ltd, and we provide insurance and insurance services as an Insurance Intermediary.

How We Use Your Data

Your privacy is important to us and we are committed to keeping it protected. We have created this Customer Privacy Notice which will explain how we use the information we collect about you and how you can exercise your data protection rights.

This Privacy Notice will help you understand the following:

  • Who are we?
  • Why do we collect and use your personal information?
  • Where else do we collect information about you?
  • Will we share your personal information with anyone else?
  • Which decisions made about you are automated?
  • How long will we keep your information?
  • Your information is incorrect what should you do?
  • What are your rights over the information that is held by Newmoon Insurance?
  • How you can contact us about this Privacy Notice. How you can lodge a complaint.

Why do we collect and use your personal information?

As an insurance intermediary, we need your personal information to understand the insurance cover you require. We’ll use this information (e.g. your name, address, telephone number and email address) to communicate with you.

We need to use your information to create a quote for you, allowing you to buy insurance products from us. When buying a product from us, you’ll also need to provide us with details of the items you wish to be insured.

We may need to check your information with external companies/organisations (e.g. credit reference agencies, criminal conviction checks and sanctions lists).

When buying certain products, sometimes we will ask for special categories of personal data (e.g. unspent convictions).

Once you become a customer, we’ll need to take your payment details to set up your cover. This could be direct debit, credit or debit card information or your bank details if you pay by BACS or cheque.

If you need to claim against your insurance Policy, we will need to collect information about the incident and this may be shared with other selected companies to help process the claim. If other people are involved in the incident, we may also need to collect additional information about them which can include special categories of personal data (e.g. injury and health data).

In submitting an application, we may be provided with equivalent or substantially similar information relating to other proposed beneficiaries under the Policy. You agree that you will bring this Privacy Notice to the attention of each beneficiary at the earliest possible opportunity.

Data protection laws require us to meet certain conditions before we are allowed to use your personal information in the manner described in this Privacy Notice. To use your personal information, we will rely on one or more of the following grounds:

  • Performance of contract: We need to use your personal information in order to provide you with the Policy (which is a contract of insurance between you and us), and perform our obligations under it (such as making payments to you in respect of a claim made under the Policy).
  • Consent: In certain circumstances, we may need your consent unless authorised by law in order to use personal information about you which is classed as special categories of personal data.
  • Necessity to establish, exercise or defend legal claim: If you, or we, bring a legal claim (e.g. a court action) against the other, we may use your information in either establishing our position or defending ourselves in relation to that legal claim.
  • Compliance with a legal obligation: Where laws or regulations may require us to use your personal information in certain ways.
  • Legitimate Interests: We will also process your personal information where this processing is in our legitimate interests. When relying on this condition, we are required to carry out a balancing test of our interests in using your personal information (for example, carrying out analytical research), against the interests you have as a citizen and the rights you have under data protection laws. The outcome of this balancing test will determine whether we can use your personal information in the ways described in this Privacy Notice. We will always act reasonably and give full and proper consideration to your interests in carrying out this balancing test.

Where else do we collect information about you?

We will receive details about you from other people or companies. For example:

  • Given to us by someone who applied for an insurance product on your behalf (e.g. an insurance intermediary) where you have given them the permission to do so; or
  • Lawfully collected from other sources (e.g. credit reference agencies, sanctions lists, Claims and Underwriting Exchange or fraud prevention databases) to validate the information you have provided to us.

We request those third parties comply with data protection laws and to be transparent about any such disclosures. If you would like some further information, please contact us.

Will we share your personal information with anyone else?

We do not disclose your information outside of the Noble Insurance Group except:

  • Where we need to check the information provided to us before we can offer you an insurance product (e.g. reference agencies).
  • Where we are required or permitted to do so by law or relevant regulatory authority (e.g. financial crime screening, fraud detection/prevention).
  • Where we provide insurance services in partnership with other companies.
  • Where necessary to obtain insurance quotations, arrange policies or handle claims through an insurance company or another broker, on your behalf.
  • In the event that we are bought, or we sell any business or assets, in which case we will disclose your personal information to the prospective buyer of such business or assets.
  • As required to enforce or apply this Privacy Notice, or the contract of insurance itself.
  • Within our group for administrative purposes.
  • As required in order to give effect to contractual arrangements we have in place with any insurance broker and/or intermediary through which you have arranged this Policy.
  • As required in order to give effect to contractual arrangements we have in place with any insurance company through which we have arranged this Policy for you.
  • With healthcare providers in the context of any relevant claim being made against your Policy.
  • If we appoint a third party to process and settle claims under the Policy on our behalf, in which case we will make your personal information available to them for the purposes of processing and settling such claims;
  • With our third-party service providers (including hosting/storage providers, research agencies, technology suppliers etc.)
  • With our reinsurers (and brokers of reinsurers) in connection with the normal operation of our business.

Sometimes your personal information may be sent to other parties outside of the European Economic Area (EEA) in connection with the purposes set out above. We will take all reasonable steps to ensure that your personal information is treated securely and in accordance with this Privacy Notice, and in doing so may rely on certain "transfer mechanisms" such as the EU–US Privacy Shield, and the standard contractual clauses approved by the European Commission. If you would like further information, please contact us.

Which decisions made about you will be automated?

Before we can offer you an insurance product or service, we may need to conduct the following activities, which involve automated (computer based) decision–making:

  • Pricing and Underwriting – this process calculates the insurance risks based on the information that you have supplied. This will be used to calculate the Premium you will have to pay.
  • Credit Referencing – using the information given, calculations are performed to evaluate your credit rating. This rating will help us to evaluate your ability to pay for the quoted products and services.
  • Sanction Checks – using the information given we will check someone is not subject to a financial sanction as they will appear on HM Treasury's asset freezing list.
  • Automated Claims – some small claims may qualify for automated processing, which will check the information you provide, resulting in a settlement or rejection of your claim.

The results of these automated decision–making processes may limit the products and services we can offer you.

If you do not agree with the result, you have the right to request that we perform a manual reassessment using the same information that you originally provided. If you wish to do so, please contact us.

How long will we keep your information?

Your personal information will be retained under one or more of the following criteria:

  • Where the personal information is used to provide you with the correct insurance cover, which will be kept as long as it is required to fulfil the conditions of the insurance contract.
  • Where the use of your personal information for a specific purpose is based on your consent, it will be kept for as long as we continue to have your consent.
  • Where, for a limited period of time, we are using some of your information to improve the products or services we provide.
  • For as long as your information is required to allow us to conduct fraud and/or criminal checks and investigations.

Your information is incorrect what should you do?

If you hold a product or service with us and think that the information, we hold about you is incorrect or incomplete, please contact us or your insurance intermediary and we will be happy to update it for you.

What are your rights over the information that is held by Newmoon Insurance?

We understand that your personal information is important to you, therefore you may request the following from us:

  • Provide you with details about the personal information we hold about you, as well as a copy of the information itself in a commonly used format.
  • Request your personal information be deleted where you believe it is no longer required. Please note however, we may not be able to comply with this request in full where, for example, you are still insured with us and the information is required to fulfil the conditions of the insurance contract.
  • Request an electronic version of the personal information you have supplied to us, so it can be provided to another company. We would provide the information in a commonly used electronic format.

Request to restrict the use of your information by us, under the following circumstances:

  • If you believe that the information, we hold about you is inaccurate, or;
  • If you believe that our processing activities are unlawful, and you do not want your information to be deleted.
  • Where we no longer need to use your information for the purposes set out in this Privacy Notice, but it is required for the establishment, exercise or defence of a legal claim.
  • Where you have made an objection to us, pending the outcome of any assessment we make regarding your objection.

Object to the processing of your data under the following circumstances:

  • Where we believe it is in the public interest to use your information in a particular way, but you disagree.
  • Where we have told you, we are using your data for our legitimate business interests and you believe we shouldn’t be (e.g. you were in the background of a promotional video, but you did not agree to be in it.)
  • In each case, we will stop using your information unless we can reasonably demonstrate legitimate grounds for continuing to use it in the manner you are objecting to.

If you would like to request any of the above, please contact us and submit a written request. To ensure that we do not disclose your personal information to someone who is not entitled to it, when you are making the request, we may ask you to provide us with:

  • Your name;
  • Address(es);
  • Date of birth;
  • Any Policy IDs or reference numbers that you have along with a copy of your photo identification.

All requests are free of charge, although for requests for the provision of personal information we hold about you we reserve the right to charge a reasonable administrative fee where, we believe an excessive number of requests are being made. Wherever possible, we will respond within one month from receipt of the request, but if we don’t, we will notify you of anticipated timelines ahead of the one-month deadline.

Please note that simply submitting a request doesn’t necessarily mean we will be able to fulfil it in full on every occasion – we are sometimes bound by law which can prevent us fulfilling some requests in their entirety, but when this is the case we will explain this to you in our response.

If you have any queries regarding our Privacy Notice, please contact us and we will be happy to discuss any query with you. Our Privacy Notice will be updated from time to time so please check it each time you submit personal information to us or renew your insurance Policy.

How you can contact us about this Privacy Notice?

If you have any questions or comments about this Privacy Notice, please contact:

The Data Protection Officer
Newmoon Insurance
Pine Grove Business Centre,
Pine Grove, Crowborough,
East Sussex, TN6 1DH

You may also email us at enquiries(at)newmooninsurance.com

How you can lodge a complaint?

If you wish to raise a complaint on how we have handled your personal information, please send an email to complaints(at)newmooninsurance.com or write to us using the address above. Our Data Protection Officer will investigate your complaint and will give you additional information about how it will be handled. We aim to respond in a reasonable time, normally 30 days.

If you are not satisfied with our response or believe we are not processing your personal information in compliance with UK Data protection laws, you may lodge a complaint to the Information Commissioner’s Office, whose contact details are:

Information Commissioner’s Office
Wycliffe House
Water Lane

Security of your data

By submitting your personal information through the Newmoon Insurance web site you consent to the use of that information as set out in this Privacy Policy. The Internet is a global medium and your information may therefore be transferred outside the European Economic Area on route to our servers. When submitting your information we will, where possible, ensure that appropriate security measures are in place.

Links to other web sites

Our website contains links to other websites run by our insurance associates. This privacy policy only applies to our web site and we cannot be responsible for the privacy policies and practices of our associated organisations and recommend that you check their privacy policies.

Google Analytics

This website uses Google Analytics, a web analytics service provided by Google, Inc. (Google). Google Analytics uses cookies, which are text files placed on your computer, to help the website analyse how users use the site. The information generated by the cookie about your use of the website (including your IP address) will be transmitted to and stored by Google on servers in the United States. Google will use this information for the purpose of evaluating your use of the website, compiling reports on website activity for website operators and providing other services relating to website activity and internet usage. Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google's behalf. Google will not associate your IP address with any other data held by Google. You may refuse the use of cookies by selecting the appropriate settings on your browser, however please note that if you do this you may not be able to use the full functionality of this website. By using this website, you consent to the processing of data about you by Google in the manner and for the purposes set out above.

© 2024 Noble Insurance Services Limited | All rights reserved.

New Moon is a trading name of Noble Insurance Services Ltd.
Authorised and Regulated by the Financial Conduct Authority, Firm Reference Number 305884.