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Privacy Policy

The pages on this website are only directed at United Kingdom residents and comply with appropriate UK legislation and regulation. We have provided this Privacy Policy to help you understand how we collect and use your personal information.

Who we are

LABC Warranty is a trading name of MD Insurance Services Ltd, part of the MD Group

MD group (“we” or “us”) is a brand that represents the following registered companies:
 

MD Insurance Services Limited

Registered in England No: 3642459. MD Insurance Services Limited is authorised and regulated by the Financial Conduct Authority. Our permitted business is arranging, dealing as agent and assisting in the administration and performance of general insurance contracts. You may check this on the FCA’s register by visiting the FCA website, www.fca.org.uk/register or by contacting the FCA on 0800 111 6768.


MD Insurance Services Limited’s wholly owned subsidiaries:

MD Warranty Support Services Limited

Registered in England No: 4759193. MD Warranty Support Services Limited is approved by CICAIR as an Approved Inspector for the purposes of Part II of the Building Act 1984;
 
 

MD Warranty Inspection Services Limited

Registered in England No: 5288783;
 
 

MD Remedial Contractors Limited

Registered in England No: 10338695; and,
 
 

MD Technical Surveyors Limited

 Registered in England No: 12011808.
 
 

MDIS (International) Limited

Registered in England No. 8225130 operating from the United Kingdom via its Overseas Branches in accordance with all applicable data protection regulation in the UK and branch locations.
 
 

MD Affinity Schemes Limited

Registered in England No. 8214231.

The registered office for each MD Group company is:

2 Shore Lines Building
Shore Road
Birkenhead
Wirral  CH41 1AU
Telephone: 0151 650 4300

MD Insurance Services Limited, MDIS (International) Limited and MD Affinity Schemes Limited are each wholly owned by their parent company, HSB Engineering Insurance Limited (“HSB”). Each company in the MD Group forms part of the wider Munich Re group of companies.

 

Our Service

The companies within the MD Group have been established to provide and administer insurance, surveying, building control and other related services. MD Insurance Services Limited is a managing general agent acting as an underwriting agency on behalf of a panel of insurers.

We do not offer advice and will not in any circumstances guarantee or warrant the solvency of any underwriter.

All data from this website is held by MD Insurance Services Limited.

 

  

What information we collect and how

In order for us to arrange [and scheme administer insurance] for you we will collect and process personal data about you. We will also collect your personal data where you request information about our services, customer events, promotions and campaigns.
 
We may also need to collect personal data relating to others in order to arrange and administer insurance. In most circumstances, you will provide us with this information. Where you disclose the personal data of others, you must ensure you are entitled to do so”.
 
The information that we collect via this website may include:
 
• Any personal details that you type in and submit such as your name, job title, address, e-mail address and other information such as preferences and other information about yourself or your business. Personal Information can also include information about any transactions and information about you that is available on the internet, such as from Facebook, LinkedIn, Twitter and Google.
 
• Your IP address (this is your computer's individual identification number for internet connection) that is automatically logged by our web server. This is used to note your interest in our website.
 
 

The use of cookies on this website

A cookie is a small piece of data (text file) that a website – when visited by a user – asks your browser to store on your device in order to remember information about you, such as your language preference or login information. Those cookies are set by us and called first-party cookies. We also use third-party cookies – which are cookies from a domain different than the domain of the website you are visiting – for our advertising and marketing efforts. More specifically, we use cookies and other tracking technologies for the following purposes. You can manage your cookie preferences here.

 

 

What we do with your information

The information that we collect via this website may include:

  • Any personal details that you (or your intermediary) type in and submit such as your name, job title, address, e-mail address, your CV and other information such as preferences and other information about yourself or your business.
  • Personal Information can also include information about any transactions and information about you that is publicly available on the internet, such as from Companies House, corporate customer websites, Facebook, LinkedIn, Twitter and Google.
  • Your IP address (this is your computer’s individual identification number for internet connection) that is automatically logged by our web server. This is used to note your interest in our website.

The MD Group is committed to respecting your privacy and any personal information that we obtain from this website will be collected and used in accordance with the General Data Protection Regulation (GDPR) (Regulation (EU) 2016/679) and other applicable UK legislation.

The information we collect may be used by us, HSB or affiliated companies within the Munich Re group, our agents, our insurers and reinsurers, our professional advisers (including tax advisers, auditors, actuaries and legal advisers), your intermediary (if you have one) and, to the extent required by law, to relevant law enforcement and regulatory bodies.

 

These purpose for which we process personal information include:

  • Monitoring and/or enforcing our compliance with any regulatory requirements;
  • Carrying out an assessment of policy eligibility;
  • Determining underwriting premium;
  • Administering your insurance policy;
  • Carrying out claims and complaints investigation / handling;
  • Maintaining accounting and audit records;
  • Analysing financial results;
  • The investigation of or prevention of crime (including fraud and international sanctions);
  • Credit checking purposes;
  • Receiving professional advice;
  • Maintaining a record of contact and payment details;
  • Debt collection and cash processing;
  • Business development;
  • Risk management oversight;
  • Training, monitoring and quality control;
  • Research and statistics;
  • To customise our website according to your interests; and
  • To periodically send promotional email about new products, special offers or other information which we think you may find interesting using the email address which you have provided.

In order to process for personal information for a particular purpose, we must have a “legal ground” to do so. The MD Group has “legal grounds” to process your personal information where:

It is necessary:

  • To enter into or perform an insurance contract;
  • For the insurance purpose of administering an insurance policy;
  • For the insurance purpose of handling claims; and
  • To establish, exercise or defend legal rights;

We have a justifiable purpose to:

  • Assess the eligibility of an individual before we provide insurance cover;
  • Determine an appropriate premium price;
  • Investigate, handle and respond to claims and complaints;
  • Maintain appropriate records;
  • Analyse our financial results and making any adjustments to our business and offerings;
  • Prevent any fraudulent, criminal or illegal activities;
  • Carry out internal audits;
  • Receive professional external advice, such as legal or tax advice;
  • Carry out credit checks;
  • Collect debt and manage cash flows;
  • Record calls and review other personal information for training, monitoring and quality control purposes;

To comply with our legal and regulatory obligations;

There is a substantial public interest to:

  • Process criminal convictions data for the insurance purpose of underwriting a potential insurance policy; and
  • Prevent or detect unlawful acts; and

We have your consent;

We have a legitimate interest


In assessing any claims you make against a policy (if applicable), we or our agents may undertake checks against: publicly available information about you such as the electoral roll, county court judgments, bankruptcy orders or repossessions; financial crime detection agencies and insurance industry databases; and information held internally, by other companies within the MD Group, or by any of our affiliated companies within the Munich Re Group. Your information may also be shared with other insurers either directly or via those acting for us for example, loss adjusters and investigators.

We are currently conducting a trial with a software company, the aim of this trial is to improve the conciliation and claims experience for all parties. Should you report potential defects to our Dispute Resolution Service or to our Claims Team you may be invited to join a software portal. This portal will allow information to be uploaded and shared by all parties with the aim of expediting the conciliation process or any repairs authorised by our claims team.

It may be necessary to transfer your information to other companies within the MD Group, HSB, affiliate companies within the Munich Re group or service providers located both inside and outside the European Economic Area for any of the above purposes and for system administration. Any transfers made will be in full compliance with all aspects of the Data Protection Act 2018 and in accordance with the UK GDPR.

Any data submitted may be used for marketing purposes provided we have a legitimate interest to do so. If you have expressed an interest in a job role and contacted the MD Group, then we will respond to you accordingly. This may be by telephone, email or written correspondence.

 

Your Rights

You can ask us to update or remove or express any concerns about your personal information at any time by submitting your request through the Contact Us page of this website or call 0151 650 4300.

You also have the right to request a copy of all the personal information we hold about you under the UK GDPR. To do this, simply write to us at the following address:

The Data Protection Team
MD Insurance Services Limited
2 Shore Lines Building
Shore Road
Birkenhead
Wirral
CH41 1AU

We will take all reasonable steps to confirm your identity before providing you with details of any personal information. We will not sell, distribute or lease your personal information to third parties unless we have your permission or are required by law to do so.  If you believe that any information we are holding on you is incorrect or incomplete, please write to us at the above address or email complaints@mdinsurance.co.uk as soon as possible. We will promptly correct any information found to be incorrect.

 

Other websites and information security

This Privacy Policy covers all websites operated by the MD Group. Any other websites that may be linked to or by our website(s) will be subject to their own policies which may differ from ours.

You should carefully read the privacy policies of these websites before submitting any personal information.

You should also be aware that communications over the internet, such as e-mails, are not secure unless they have been encrypted. Your communications may route through a number of countries before being delivered – this is the nature of the internet. The MD Group cannot accept responsibility for any unauthorised access or loss of personal information that is beyond our control.

Please note that all telephone calls are recorded for quality monitoring, training, compliance and security purposes only.

We are committed to ensuring that your information is secure. In order to prevent unauthorised access or disclosure we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online and offline.

If you feel that we are not abiding by this privacy policy, you should contact us immediately via telephone at 0151 650 4300 or email complaints@mdinsurance.co.uk


 

Surveys

From time-to-time our site requests information via surveys. Participation in these surveys is completely voluntary and you may choose whether or not to participate and therefore disclose this information. Information requested may include contact information (such as name and address), and demographic information (such as address, age level). Contact information will be used for purposes of monitoring or improving the use and satisfaction of this site.