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Privacy Policy (UK)

Introduction

Talbot Underwriting Limited (“Talbot Underwriting”) together with subsidiary companies of American International Group, Inc. (collectively called “AIG”) value your trust in us and are committed to handling Personal Information (defined below) appropriately in accordance with applicable laws.

In this Privacy Policy references to "we" or "us" or "Talbot Underwriting" are references to the members of the Talbot group of companies.

References to "you" or "your" means any individual with whom we have a relationship, including policyholders, insureds or claimants under an insurance policy, commercial insurance brokers, appointed representatives, witnesses or another individual with whom we have a relationship, or users of AIG Digital Services, which include this Talbot Underwriting website.

This is our main Privacy Policy which describes how we use Personal Information that we collect as part of our core business activities. 

Talbot Underwriting is an international insurance and reinsurance specialist, operating within the Lloyd's Insurance Market through Syndicate 1183. Talbot has a team of highly skilled and experienced underwriters and a balanced, geographically diverse portfolio of business. To enable us to provide our insurance and reinsurance services, including dealing with any claims or complaints that might arise, we need to collect and process Personal Information. This makes us a "data controller" which makes us responsible for complying with UK data protection laws.

If you have any comments, questions or requests regarding your Personal Information, please contact the Talbot Underwriting Privacy Lead via privacy@talbotuw.com. In order to assist us in dealing with your query efficiently, it would be helpful if you could please provide your full name, policy number and/or claim reference, the type of policy and its validity dates, if possible. Depending on the nature of your request, we may need to obtain some further details from you before responding.

Insurance involves the use and disclosure of your Personal Information by various insurance market participants such as intermediaries, insurers and reinsurers. The London Data Protection Insurance Market Core Uses Information Notice (as amended from time to time) sets out those core necessary Personal Information uses and disclosures. Our core uses and disclosures are consistent with the London Data Protection Insurance Market Core Uses Information Notice. We recommend you review this notice as well.

This Privacy Policy will be supplemented by additional privacy policies tailored to our specific relationships with you where this is useful to provide you with a full picture of how we collect and use your Personal Information.

The purpose of this Policy is to explain what Personal Information we collect, access, use, store, transfer and/or disclose (together, “process”), the reasons we process your Personal Information, to whom Personal Information is disclosed and your rights under the relevant laws.

We use the words Personal Information to describe information about you and other individuals (for example, your partner or other members of your family, or your employees if you are an employer), and from which you or they are identifiable. 

Our aim is responsible and secure handling of Personal Information, balancing the benefits of activities like research and data analytics to improve our products and service delivery, with our other commitments, including fairness, transparency and non-discrimination.  

Personal Information is obtained from a variety of sources, including:

  • application, proposal and claim forms, and other forms;
  • telephone calls, emails, meetings and other communications;
  • service providers, brokers and agents, claims investigators, witnesses, medical professionals, driver and vehicle licensing authorities, credit reference agencies, your employer, sanctions databases, fraud prevention agencies, law enforcement agencies and other third parties;
  • this website (the “Site”);
  • the software applications made available by us on computers, smart phones and other mobile devices (the “Apps”); and
  • our social media pages, other social media content, tools and applications (our “Social Media Content”).

In this Privacy Policy, we refer to the Site, the Apps and Social Media Content together as AIG Digital Services.

Unless otherwise indicated, the AIG Digital Services are only for use by legally competent adults. Minors (i.e. individuals under the age of 18), and those without legal competency should not provide Personal Information through the AIG Digital Services themselves but rather via appropriately authorised agents, guardians or legal advisors.

Personal Information may be provided to us by you directly or by a third party. For example, an insurance policyholder may provide Personal Information about you so that you can benefit under their insurance policy.

Please note:

By providing us with Personal Information about another individual, you represent that you have (unless we agreed otherwise, in writing): (a) informed the individual about the content of this Privacy Policy and any other applicable privacy notices provided to you; and (b) obtained their permission (where required by, and in such manner as required by, applicable laws) to share their Personal Information with us in accordance with this Privacy Policy and other applicable privacy notices.