Insurance Services Processing Notices

This Privacy Notice applies to the Insurance Services division of LexisNexis® Risk Solutions Group ("RSG", "we" or "us") (part of the RELX Group™ of companies). RSG provides products and services to business customers (such as insurers, brokers, other insurance intermediaries and their comparison service providers) (our “Customers”) to help in their validation of your identity when you’re applying for home, motor, or commercial insurance, to assist in their assessment for the purposes of pricing and underwriting of insurance risk, claims management; and for the purposes of fraud prevention.   

Below is an overview of these products and services:  For further information about the usage of your personal data, please see the ‘How we use personal data’ section below. 

Category	Product	Description
Motor Insurance	LexisNexis®  Policy Insights	If you’re a proposer, a policyholder, or a named driver, Policy Insights provides information to Customers about your previous motor insurance policies so you can obtain a quote for insurance.
	Attract™ for Motor	Attract for Motor uses some of the data from our Policy Insights and Risk Insights datasets to create your insurance risk score.
	No Claims Discount Module for LexisNexis® Policy History Motor	The No Claims Discount Module helps our Customers in their validation of your entitlement to a discount for not having previous claims by comparing the information you provide to our Customers with the No Claims Discount history collated and shared from other Customers.
	LexisNexis® Vehicle Build	Vehicle Build allows our Customers to better understand and evaluate the vehicle features fitted to a declared vehicle.  Vehicle Build standardises and classifies the numerous vehicle data points into a common classification using the specific Vehicle Identification Number (VIN).
	LexisNexis® Risk Insights Score	Risk Insights Score uses some of the data from the LexisNexis® Risk Insights dataset to create your insurance risk score.
Home & Motor & Commercial	LexisNexis® Risk Insights	Risk Insights can assist our Customers in understanding any risks associated with home, motor and commercial insurance applicants through the presence or absence of certain public data, such as court judgments or  your appearance on the Open Electoral Register.
	LexisNexis® Indicium and Consumer Plus	Indicium and Consumer Plus are insurance risk scores developed to assist our Customers in predicting the likelihood of you, as an insurance applicant, making a claim in the future.
	LexisNexis® Quote Intelligence	Quote Intelligence helps our Customers to prevent fraud and assists in their pricing of insurance policies. Quote Intelligence identifies certain potentially unexpected, unusual or inconsistent connections between quotes or individuals named on a quote, for example by identifying when and how frequently an individual requests an insurance quote as well as identifying changes in some of the information provided in the course of obtaining quotes.
	LexID® for Insurance	The LexID® is a numeric personal identifier which can be assigned to each of our Customer’s consumers’ records across their different data systems, enabling our Customers to create a connected view of their customers.  This in turn allows them to improve their customer experience and gain operational efficiencies by linking together data related to, for example, different product holdings you have with that insurer.   We use proprietary linking technology to match identifying data, such as name, address, and date of birth, across different data sources, as described in the section What personal data is collected and from whom it is obtained, in order to assign the unique  LexID to consumer identities.
	Linked Addresses and Alias Names	Linked Addresses and Alias Names is a data source used by LexisNexis to support our Customers in their assessment of insurance risk and in the prevention of fraud.  Linked Addresses and Alias Names identifies other addresses, or names, held within our databases and previously used by you, which differ from that provided in your request for a quote for insurance.  At the request of our Customers, this data is then used by us to perform a wider search of our Customers’ consumer data existing on the Claims and Underwriting Exchange licensed by the Motor Insurers’ Bureau.

This Privacy Notice addresses where RSG acts as a data controller of your personal data in order to provide the products and services outlined above to our Customers. It does not include services where RSG acts solely as a data processor of personal data on behalf of Customers or where European and certain other privacy and data protection laws, as may be applicable, do not apply to the processing activities undertaken. 

How to know which services our Customers use 

The company from whom you obtained a quote for insurance will be able to tell you which of our services they used in assessing your insurance application or renewal. We require our Customers to let applicants and policyholders know, before they share policy information with us, what role we play for the Customers – for example, by telling you about this during your application for insurance or within their privacy notice.

Who controls your personal data 

The LexisNexis Risk Solutions group of companies controls the personal data we use in these services. For more information on which LexisNexis company is the data controller for each product, please see the 'How to contact us' section below. 

Our Customers who use our services are also data controllers. These may include insurers, brokers and other insurance intermediaries.  These Customers may also operate through online insurance comparison services who also act as data controllers.  Their privacy notices will tell you more about how they use personal data.

RSG products that use profiling and decision-making by our Customers

Automated processing of personal data to evaluate certain personal aspects relating to an individual, particularly to analyse or predict aspects concerning that individual, is considered profiling under the applicable data protection laws. Attract for Motor, Risk Insights Score, Risk Insights, Indicium and Consumer Plus and Quote Intelligence are products that use profiling as part of the insurance risk analysis.

Profiling is not the same as an automated decision-making and we don’t make any decisions about you, automated or not. Our products, including the ones that use profiling, are one factor that our Customers may use in their decision-making, to assist them to prevent fraud and more accurately predict risk and determine the pricing and underwriting of your insurance premium. 

Using personal data for our and our Customers’ legitimate interests

We use personal data to develop and improve our products and services, created to help our Customers to price and underwrite insurance policies, check the identities of people applying for policies, manage claims and prevent fraud. Our legitimate interest is, therefore, in facilitating the provision of our products and services to the insurance industry, through recognition of our Customers’ need to accurately assess insurance risk and reduce the likelihood of fraud. We do this by making comprehensive, consistent and accurate data available to the insurance market in a cost-effective way, irrespective of our Customers’ sales channel. 

We do not decide the price of insurance policies: our Customers do this independently. The products and services  we provide to our Customers, as described in this Privacy Notice,  are just one of the factors that our Customers consider when making a decision about you.  It’s our Customers’ decision how much they will charge for an insurance policy and  the price is different for different individuals. For example, motor insurance prices reflect matters such as previous driving history or where the driver lives. Insurers have a business interest in obtaining information about individuals applying for policies, the individuals expect the information to be obtained, and we have a business interest in providing this information through our products and services. 

Where LexisNexis Risk Solutions processes details of convictions, e.g. driving-related offences, we do so for insurance purposes. We can only process information relating to criminal convictions where we have an additional, specific lawful basis to process such information. For this processing, we rely upon reasons of substantial public interest:

• Insurance purposes – including advising on, arranging, underwriting and administering contracts of insurance, administering claims under a contract of insurance and exercising rights, or complying with obligations that arise in connection with contracts of insurance.

We have set out more information about the legitimate business interests in processing personal data below:

Purpose	How is personal data used and why?
Verifying data you provide, assessing insurance risk and preventing fraud	No Claims Discount Module for LexisNexis® Policy Motor History When you request a quote for insurance - whether this be through a price comparison site, broker or insurer website or by enquiry made through a call centre or branch - that insurance provider will usually ask you to confirm your entitlement to a No Claims Discount. We use information from your motor insurance policy history that we collect from other insurers to confirm whether the No Claims Discount that you have confirmed to our Customer matches our records. While only the Customer can decide whether you are eligible for a discount on the basis of this data, we only permit our Customers to use the data we provide to validate your no claims discount entitlement.
	LexisNexis® Policy Insights We provide personal data that helps insurers to make more informed underwriting and pricing decisions about motor insurance policies, by providing information about the motorists’ previous motor insurance history. We use information contributed to us by other insurers and brokers such as where individuals live, vehicle information and previous insurance policies to analyse their motor insurance history and to provide facts that are useful to insurers for predicting future risk. Each insurer will have its own criteria to assess what insurance cover to offer and what premium to set – and they use various factors to help them including the data we provide. We only permit our Customers to use this data to help prevent fraud and decide whether to offer insurance and, if so, what level of cover to offer and at what premium.
	LexisNexis® Risk Insights When you request a quote for insurance - whether this be through a price comparison site, broker or insurer website or by enquiry made through a call centre or branch - that insurance provider will usually ask you to provide information about your identity and to answer certain questions. Our products and services allow our Customers to check this information and to obtain further information about you from publicly available data such as the Open Electoral Register, CCJ and insolvency data, together with data which may be accessed under Open Government Licence in respect of the area in which you live – for example crime and unemployment figures. We may also access information provided by you to our business partners where permitted. We describe the information we receive from business partners below. Risk Insights summarises this information in a way that can easily be used by our Customers in their risk assessment of you, in combination with other information provided in your quote request or at renewal, to determine whether to present an insurance quote, the premium quoted and the policy terms offered. For example, if the address or date of birth you provide does not match our records then some of our Customers my decline to provide a quote or may offer a higher premium.
	LexisNexis® Risk Insights Score We use the information from LexisNexis® Risk Insights to create an insurance risk score. Insurers may use this at quote or renewal as one of the factors to help inform their risk assessment and to help them to decide on how to price your policy. When you request a quote for a motor insurance product, we will generate your insurance risk score. This score is a value between 200 and 997, with the highest scores representing the lowest risk to the insurer. This will include information such as your presence on the Open Electoral Register, county court judgment information and general indicators about the area in which you live, for example house prices, crime, and unemployment figures. While only the insurance provider can assess what policy to offer on the basis of this data, we only permit our Customers to use this data as one factor to decide whether to offer insurance and, if so, what level of cover to offer at what premium.
	Attract™ for Motor We use the information from LexisNexis® Policy Insights and LexisNexis® Risk Insights to create an overall insurance risk score. Insurers may use this at quote or renewal as one of the factors to help inform their risk assessment and to help them to decide on how to price your policy. When you request a quote for a motor insurance product, we will generate your insurance risk score. This score is a value between 200 and 997, with the highest scores representing the lowest risk to the insurer. This will include information, such as how long you have continuously held an insurance policy, your presence on the Open Electoral Register, county court judgment information and general indicators about the area in which you live, for example house prices, crime, and unemployment figures. While only the insurance provider can assess what policy to offer on the basis of this data, we only permit our Customers to use this data to help prevent fraud and decide whether to offer insurance and, if so, what level of cover to offer at what premium.
	LexisNexis® Vehicle Build When you request a quote for motor insurance - whether this be through a price comparison site, broker or insurer website or by an enquiry made through a call centre or branch - that insurance provider will usually ask you to provide information about the vehicle you are planning to insure. The quote request will ask for either the vehicle’s VRN (Vehicle Registration Number) or VIN (Vehicle Identification Number) if known at the time of the request. Insurers will share that VRN or VIN with us to assist them in detecting the presence of vehicle features on that vehicle. We are supplied vehicle data via third party vendors, after we have sent them the VRN or VIN. These third party vendors are either external data providers or direct from the vehicle manufacturers. We normalise that vehicle data to produce a set of attributes that enable our Customers to confirm the presence and type of safety features fitted to a specific vehicle. The vehicle features may be used by insurers to assess the risk associated with that vehicle and whether the presence of vehicle features may have an impact on the underwriting and rating decisions that they may make when quoting motor insurance.
	LexisNexis® Indiciumand Consumer Plus We use information from data we access on behalf of our Customers to create an overall risk score that insurers may use as one factor to help them assess the price they offer for home, motor or commercial insurance. When you request an insurance quote - whether this be through a price comparison site, broker or insurer website or by enquiry made through a call centre or branch - we will generate an insurance risk score on behalf of an insurance provider. The score is a numeric value that is scaled according to the likely risk presented by an individual with the highest scores representing the lowest risk. So, for example, we identify whether you have historically had a CCJ or been bankrupt - which would lower your score; however these may be partially offset by, for example, if your identity can recently be verified at your address and general indicators about the area in which you live such as average household income and average house prices. The overall score is created by adding each of the factors together. The data included in these scores will differ by insurance provider but may include information from credit reference agencies and/or other commercially available indicators, such as the known demographics in the neighbourhood where you live, as described further in the "What data is collected and from whom it is obtained" section below. These risk scores may also be used by our Customers in order to provide you with a quote at renewal. Similar to widely-used credit scores which lenders use to help establish your ability to repay credit, these insurance risk scores are used by our Customers to help assess the likelihood that an applicant will make an insurance claim.
	LexisNexis® Quote Intelligence When you apply for insurance, and our Customers engage us, we obtain information about your quote requests, which we use to help our Customers separate normal shopping behaviour from potentially fraudulent behaviour. For example, it is accepted that different levels of voluntary excess payable on a policy may be selected in order to obtain a more favourable premium. However, some behaviour is not normal and could lead to an applicant fraudulently obtaining insurance at an unreasonably low price, such as inputting different dates of birth for the same person on different quote requests. Quote Intelligence identifies potential manipulation by linking any quotes undertaken by you over the previous 90 days and comparing the information about you and any other individuals you have supplied in each quote request.  This data includes, for example: date of birth, address,  declared previous claims, declared motoring convictions and the associated penalty points, It also considers how frequently you have obtained quotes, how many days prior to your policy start date you have requested a quote and whether you have quoted, for example, with different named drivers. We do not determine whether these differences, or the number of changes, are of importance to an insurance provider or whether it should affect the premium offered. Quote Intelligence simply notifies the insurance provider of information related to previous applications.
	LexisNexis® LexID® for Insurance We match the information you provide to our Customers to our own database,, sourced from third parties and from publicly-available sources, and where your information matches the information we already hold in our database, we will provide the corresponding LexID® to our Customers. This matching can occur when you request a quote for insurance cover from one of our Customers or whenever our Customer sends us your information from their databases, during the insurance policy lifecycle. The LexID® is a numeric personal identifier that enables our Customers to identify you and to link different records it holds on you within their own databases or to help our Customers identify if you are a new customer. This linking supports our Customers to run insurance risk assessment, prevent fraud and improve customer experience, in addition to improving their own data management operational efficiencies.
	Linked Addresses and Alias Names When you apply for insurance our Customers may request that we undertake a search for Linked Addresses and Alias Names to support their risk assessment of any individuals on your insurance quote request. Using the information supplied related to individuals - typically name, address, date of birth, and, if available, email addresses and telephone numbers – we will search our databases to identify any other addresses or names, previously used which differ from that provided in the request. This new data, combined with the information in the request, is then used by us to perform a search of the Claims and Underwriting Exchange licensed by the Motor Insurers’ Bureau. Our Customers use this information to verify your declared claims information against that held on the Claims and Underwriting Exchange database. This is one factor which is used to help assess the likelihood that an applicant will make an insurance claim and to assist in identifying potential fraud.
Developing our statistical models	We use personal data for statistical analysis to improve our products and services and to help insurers better predict risk, to validate data you provide and to help to prevent fraud. To do this, we compare policy and quote information against variables, like age, address, previous claims and driving history to help insurers predict risk more accurately. We use data to test our products with a representative sample of real identities to ensure they are working correctly and provide accurate results to our customers. Without being able to include a representative example of real data, we risk not being able to test full scenarios to ensure existing products are functioning as expected and leaves us open to missing relevant information that may have a negative impact on customers and data subjects.
Protecting our legitimate business interests and legal rights	Where we believe it is necessary to protect our legal rights, interests and the interests of others, we use personal data in connection with legal claims, compliance, regulatory, and audit functions, and disclosures in connection with the acquisition, merger or sale of a business.

Where required by law

In exceptional circumstances, we may be required by law to provide personal data to law enforcement agencies, courts or others in connection with claims and other litigation.

Our services depend on collecting accurate and up to date personal data. We obtain this data from the following sources: 

Insurance providers and brokers

When an individual buys or renews an insurance policy, certain insurers and brokers will add personal data and information about the individual's policy to our insurance industry database. This data may include the name of the insurer, the address and other identifying information about both the person and the subject matter being insured like the identity of a vehicle, details of the request for insurance, the policy start date and details about other registered drivers and other policy and claims information. We continually update the information about policy histories. For example, if an individual makes a claim against a policy held by an insurer that partners with us that affects their No Claims Discount, we will receive information about that update. This data is used by Customers of our No Claims Discount Module, Policy Insights and Attract  products. The identifying information of name, address and date of birth is also used to generate our numeric personal identifier LexID.

We also obtain personal data that individuals provide to certain insurers and brokers when they request a quote or apply for insurance, for example the details of the vehicle they intend to insure. We use this information to provide Customers with our Quote Intelligence product that allows them to help to assess risk and prevent fraudulent applications as described above. 

We ask our Customers to let individuals who apply for insurance know before they share policy or quote information with us – for example, by telling the individual about this in their application form or in the Customer’s privacy notice. 

Public and publicly-available records

We receive the following personal data from public and publicly-available sources for use in the Products stated (which we may receive directly from the sources or from the RSG data partners described below):

Product	Source	Categories of personal data we use
LexisNexis® Risk Insights Attract™ for Motor Risk Insights Score LexisNexis ® Indicium LexID® for Insurance Linked Addresses and Alias Names	Credit related information on public record such as Bankruptcy and insolvency databases, (the Individual Insolvency Register (IIR), The Registry Trust and information published by The Stationary Office (TSO))	Identifier information, such as name, address and date of birth. Information about debt and insolvency, such as type of insolvency, status and dates of judgments;
	Property related information, such as Her Majesty’s Land Registry (HMLR) - Land Registry	Along with the address and postcode we receive information such as property type, age of property, tenure and sale prices;
	County and High Court Judgments, such as provided by credit reference agencies and Registry Trust Limited	Information on court judgments that have been issued, such as how much money was owed and whether the judgment has been satisfied;
	Registered commercial entity information, such as Companies House	Data on directorships, such as presence of a director within a postcode area;
	Open Electoral Register	We receive an extract of the Open Electoral Register, including data such as name, current address and any previous addresses.

RSG Data Partners

We receive the following personal data from our data partners:

Source	Categories of personal data we receive
Other members of the RELX Group	RSG receives data from other RELX Group companies. This includes identification data (such as names and addresses) and fraud prevention indicators (such as information about debt and insolvency).
Third-party data partners	RSG also receives data from reputable commercial sources. This includes identification data (such as names and addresses or the VIN or VRN of a vehicle and associated vehicle data), fraud prevention indicators (such as County Court Judgments) and consumer insight data (such as individual, household and postcode level consumer segmentations).

With whom we share personal data and how we safeguard transfers of personal data

We share personal data with the categories of third-parties described below. Where personal data is transferred to a country outside the European Economic Area ("EEA"), we safeguard the data as described below. 

Insurers and brokers	We share personal data with insurers, brokers and other insurance intermediaries when an individual requests a quote or makes an application for insurance or where the insurer is initiating a renewal quote. We ask insurers and brokers to explain to individuals that they use our information.
Service providers	We share personal data with service providers who assist us with our products and services. These providers include, customer support, IT service providers, financial services, professional advisors and third party data providers. Some of the service providers we use are other affiliated companies of RSG within the RELX group of companies. These companies assist us in providing the products and services described in this Notice, such as to provide customer and product support. We have contracts in place with them to ensure they only use the personal data we provide them in accordance with our instructions. Your personal information may be stored and processed in your region or another country where LexisNexis Risk Solutions affiliates and their service providers maintain servers and facilities, including Australia, India, Ireland, the Philippines, the United Kingdom and the United States. We take steps, including through contracts, intended to ensure that the information continues to be protected wherever it is located in a manner consistent with the standards of protection required under applicable law. If some or all of RSG or RELX business is acquired by another company, personal data may be disclosed and/or transferred to the prospective or actual purchasers.
Other affiliated companies of LexisNexis® Risk Solutions within the RELX Group of companies	Some of the service providers we use are other affiliated companies of RSG within the RELX group of companies. These companies assist us in providing the products and services described in this Notice, such as to provide customer and product support. We have contracts in place with them to ensure they only use the personal data we provide them in accordance with our instructions. Your personal information may be stored and processed in your region or another country where LexisNexis Risk Solutions Group affiliates and our service providers maintain servers and facilities, including but not limited to  Australia, Brazil, France, Germany, Iceland, India, Italy, Ireland, the Netherlands, the Philippines, Singapore, South Africa, the United Kingdom, and the United States. We take steps, including through contracts, intended to ensure that the information continues to be protected wherever it is located in a manner consistent with the standards of protection required under applicable law. Certain U.S. entities within the LexisNexis Risk Solutions group of companies have certified certain of their services to the EU-U.S. and Swiss-U.S. Privacy Shield Frameworks as set forth by the U.S. Department of Commerce. Please view these entities’ Privacy Shield Notices here. To learn more about the Privacy Shield program, and to view these entities’ certification, please visit www.privacyshield.gov. If some or all of the LNRS or RELX business is acquired by another company, personal data may be disclosed to the prospective or actual purchasers.
Third parties where required by law (or to protect our rights)	We also share personal data in order to: comply with the law; investigate and help prevent security threats, fraud or other malicious activity; enforce and protect the rights and property of LNRS or its affiliates; or protect the rights of our Customers, employees and third parties. This may include sharing information for the purposes of crime prevention and fraud protection.

How long we retain personal data

The criteria used to determine the storage period will include the legal limitation of liability period, agreed contractual provisions, applicable regulatory requirements, and industry standards.

In accordance with European and certain other privacy and data protection laws we provide you with the ability to exercise your rights regarding your personal data in the following ways:

Find out if we process your personal data, obtain a copy of the data or correct inaccurate data

To find out if we process any of your personal data to access a copy of such personal data we may hold about you or correct any personal data that you believe is inaccurate, incomplete or out of date, you may contact us as provided in the “How to contact us” section below. In order to provide you with an appropriate response we may ask for relevant identification documents to confirm your identity in handling your request to ensure it is dealt with efficiently and in accordance with European and certain other privacy and data protection laws, as may be applicable.

How you can object to or request to restrict,  delete or transfer your personal data

If you object to our processing of any personal data we may hold about you as a controller, or you wish to restrict our use of it or request its deletion, you may contact us as provided in the “How to contact us” section below. As stated above, we may also ask for relevant identification documents to confirm your identity in handling your request to ensure it is dealt with efficiently and in accordance with European and certain other privacy and data protection laws, as may be applicable.

Your rights to object to, or request that we restrict our use of, or delete, your personal data may be limited where we are legally required to process your personal data or have compelling reasons to override your request.

European and certain other privacy and data protection laws, also gives individuals a right to ask for information which they have given to a company, to be transferred to other companies (for example you can ask for services managed online such as utilities, phone or email to be switched between providers). The European General Data Protection Regulation (“EU GDPR”) and United Kingdom General Data Protection Regulation (“UK GDPR”) describe this as a “data portability” request. As we don’t collect information directly from individuals in this way, this right does not apply to the personal data used in our services.

If you have unresolved concerns, you have the right to complain to a data protection authority in the country where you live, where you work or where you feel your rights were infringed.

If you have any questions or wish to exercise any of the rights described in this Privacy Notice, please contact our Data Protection Officer (at the following address) whom we have appointed to respond to enquiries regarding any of the products connected to the data controllers described in this Notice: 

Data Protection Officer
LexisNexis Risk Solutions Group
Global Reach 
Dunleavy Drive 
Cardiff 
CF11 0SN 
Email: DPO@lexisnexisrisk.com

The data controller for each RSG service is described below:

Services	Data controller
LexisNexis® Policy Insights	LexisNexis Risk Solutions UK Limited*
LexisNexis® Risk Insights
Attract ™for Motor
Risk Insights Score
Linked Addresses and Alias Names
No Claims Discount Module for LexisNexis® Policy History Motor
LexisNexis® Vehicle Build (UK only)
LexisNexis® LexID® for Insurance
LexisNexis® Vehicle Build (Europe only)	LexisNexis Risk Solutions (Europe) Limited
LexisNexis® Indicium and Consumer Plus	Insurance Initiatives Limited*
LexisNexis® Quote Intelligence

*LexisNexis Risk Solutions UK Limited, LexisNexis Risk Solutions (Europe) Limited and Insurance Initiatives Limited are part of the RELX Group of companies

Last updated: 13th July 2021