Legal

This website and pages are intended for the information and use of United Kingdom residents only.

  •  The information within MKL FINANCE LTD website does not constitute financial, investment or professional advice. Any suitability of product and service we are offering you, or to obtain any further information you may require, you should consult an independent financial advisor.
  • The figures that may appear on this website are for illustration purposes only. The accuracy of figures completeness are not guaranteed and will not accept any liability for any error or omission.
  • We cannot guarantee that emails sent to will be received by us or that the information in that email will remain confidential during internet transmission. 
  • We will taken reasonable care in the preparation of the content of this website, we do not accept any liability for any error or omission. We do not accept any liability for any errors in data transmission, software or operating error or any other cause. We do not accept any liability for the reliability availability, suitability or otherwise of this website. Nor do we accept any liability for any loss whatsoever arising out of your use of this website. 
  • MKL FINANCE LTD website may have material produced by other parties that are linked to our website. The links or material are only provided for information only and the site/s concerned are not endorsed or promoted by MKL FINANCE LTD. We do not accept any liability in anyway in the materials on these websites that are not under our direct control of MKL FINANCE LTD . 

 

Privacy Policy 

  • We are MKL FINANCE LTD ("we""us" or "our") known as brand names:

    MKL Finance & MKL Insurance.

  • Information collected from you

    Where we have collected information from you it will usually be obvious what this is, as you will have given it to us. This might not be the case where we have used cookies to collect information from your computer or portable electronic devices. Please see our cookies policy for more information.

    Information collected from others

    We can collect information about you from others. This includes information from:

    • Joint policyholders or policy beneficiaries. Where you are named on a joint policy or a beneficiary of that policy we may collect information about you from any named policyholder.  We will ask them to confirm that they have your permission to give us this information about you.
    • Fraud prevention, law enforcement or government agencies and other data sources used to prevent or detect fraud or provide details to us about criminal convictions or offences.
    • HM Treasury and other authorities in relation to regulatory issues e.g. where someone is subject to a financial sanction they will appear on HM Treasury's asset freezing list.
    • Credit reference agencies e.g. credit searches that are made when we produce a quotation for a new policy or at renewal. (Note that the results of these searches are automatically deleted after 12 months and do not affect your ability to obtain credit.) Please also see section 4 below.
    • External sources such as no claims discount databases, the electoral roll and insurance comparison websites to help us decide what the risk is in selling the policy and from companies that hold information about insurance renewal dates, marital status, household residents, vehicle details, employment status and household income to help us work out which information we should provide to you about our other products and services.

    Sensitive personal information

    We collect information that is sensitive, such as information about children, health or geo-location (which may be sensitive personal information because, for example, it can pinpoint your location at a hospital), and information related to unspent past criminal convictions or offences. We also collect your sensitive personal information for specific types of policy or applications, for example when offering you a travel policy or a driving application e.g. Telematics.  We obtain this from your mobile devices for driving applications and the following people:

    • The main policyholder will provide most of the information we collect about health (including confirming whether hospital treatment is being sought) and unspent criminal convictions or offences, including on behalf of others named on the insurance policy e.g. medical screening to support a travel policy;
    • Fraud prevention or law enforcement agencies may provide details to us about criminal convictions or offences;
    • Witnesses to an accident may provide medical information to us if there is an investigation of a claim;
    • We may use information about a child, for example, where the child is a beneficiary under a policy or if involved in an accident. 

    We collect and use this information as part of your insurance quotation or contract with us, or where it is necessary for a legal obligation, or as part of the establishment or defence of a legal claim.

          WHAT WE DO WITH YOUR INFORMATION

  • We use your personal information in order to meet our obligations in our contract of insurance with you. We and other companies within our group of companies use your personal information in the following ways:

    A. Provide insurance services

    When you request a quote for a insurance policies or you purchase an insurance policy, we use information about you:

    • To decide what the risk might be in selling you the policy, to quote for, and provide you with, a premium for that policy and any special terms that may apply to that policy (noting that we may use automated decision making to make this assessment - see section 9 below);
    • To administer your policy and monitor the payment of instalments if you pay your premium in this way;
    • To contact you about the policy (e.g. for billing or renewal purposes); and
    • To provide the agreed service if you make a claim (e.g. sending someone to assist you in a roadside breakdown situation or to provide you with medical assistance if you are injured or unwell when overseas).

    We cannot provide the services unless we use the information about you in this way.

    B. Do what we are required to do by law

 

  • As part of our duty as an insurer providing insurance services, sometimes we are required by law to use information about you:

    • To help make sure our customers are being treated fairly (e.g. to assist our regulators where we have a legal duty to do so);
    • To deal with complaints;
    • To help prevent and detect crime (including, for example, the prevention or detection of fraud); and
    • To comply with a legal or regulatory obligation.

    We can use your personal information in this way because we are required to do so by law.

    C. Prevent fraud occurring

    Fraud has an impact on all customers as it increases costs for everyone. We use your personal information to check for signs that customers might be dishonest (e.g. if someone has behaved dishonestly in the past it may increase the risk they will do so in future).

    We may use your personal information in this way because it is in our interests to detect fraud and in all our customers' interests to ensure that they are not prejudiced due to increased premiums as a result of a few customers acting dishonestly.

    D. Recover debt

    If you owe us money we will use your personal information to help us recover it.

    We can use your personal information in this way because it is a necessary part of the contract of insurance. We need to ensure that premiums are paid so that the majority of our customers do not suffer (e.g. through increased premiums) due to the actions of a small minority of customers.

    E. To inform you about and promote products (marketing)

    At the time when your personal information was collected, we asked you to indicate your marketing preferences. These preferences can be revisited at any time by contacting our Data Rights Team. Please see section 10 for contact details.

    We may use your personal information to offer you suggestions about products and services you might want to buy. We may use external companies to do this on our behalf.

    We can use your personal information in this way because it is in our legitimate interests to provide you with the right information at the right time, so that we may look at ways of extending our relationship that we have with you. We will always ensure that we keep the amount of your personal information that we collect and the extent of any processing to the absolute minimum to meet this legitimate interest.

    Where we have a legitimate interest to do so or, where necessary you have given us your consent, we may pass your personal information to third parties including:

    • U K Insurance Business Solutions Limited, a member of the U K Insurance Limited group of companies, that introduces our customers to products and services. We may send you marketing from them where we believe you will have an interest in their communications and / or
    • External companies such as digital content providers to display adverts about our products and services.

    If you have chosen not to opt out of marketing we will send you information about our products and services by email, post, telephone or SMS unless you tell us not to. If your information has been provided to us by a third party for marketing purposes we will rely on the consent you have provided to them to conduct direct marketing.

    If at any time you do not wish us to use your personal information for this purpose, you may ask us not to do so. The simplest way to do this is to follow the instructions on the communication, which is a click on the unsubscribe link on emails or a return address on the envelope. See section 10 below for full details on how to contact us.

    F. Where your or another person's life may be at risk

    We will use your personal information to assist where you or another's life or health is in danger and will obtaining your permission is not possible (e.g. arranging emergency medical treatment in a remote location).

    G. To administer and improve our services

    To administer our services we will share information with others (including to people or organisations that may be based overseas):

    • In order to enable us to process your claim or administer your insurance policy more cost effectively;
    • To help develop our products, services and systems to deliver you a better sales and claims experience in the future; and
    • To understand how our prospective customers make decisions about which insurance policy is the optimal policy.

    We may also process your personal data to better understand you as a customer, including to determine how best to retain your custom, and to ask you to provide feedback on the service we provide to you.

    We can use your personal information in this way because it is in our legitimate interests to provide the services in the most efficient way. We will always ensure that we keep the amount of your personal information that we collect and the extent of any processing to the absolute minimum to achieve this efficiency.

We may share your personal information with third parties and other companies within our group of companies for the purposes mentioned in Section 3 above. A list of our group companies can be found at https://www.u-k-insurance.co.uk/group-companies.html. Alternatively, you can contact the Data Protection Officer for a list of them. Please see section 10. You should make sure everything you tell us is correct because your records may be checked in the following circumstances:

  • When you apply for insurance, financial services, or work
  • By police and other law enforcement agencies.

In particular we share information with:

  • Fraud prevention agencies that provide databases and services, such as CIFAS, National Hunter, SIRA and ENI, to prevent or detect fraud.
    • Fraud prevention agencies will process this personal information in order to assist our prevention of fraud and money laundering, and to verify your identity and may also process your personal information in order to prevent fraud and money laundering by other people.
    • Fraud prevention agencies will hold your personal information for up to 1 year, or up to 6 years if you’re considered to pose a fraud or money laundering risk.
    • If we or a fraud prevention agency determine that you pose a fraud or money laundering risk, we may refuse to provide the services and / or financing you have requested.

A record of this risk will be retained by the fraud prevention agencies, and may result in others refusing to provide services or financing to you. If you have any questions about this, please contact the appropriate fraud prevention agency.

  • Law enforcement or government agencies we and fraud prevention agencies may permit law enforcement or government agencies to access and use your personal information, if they request it.
  • Regulatory bodies such as the Financial Conduct Authority, Prudential Regulation Authority or the Information Commissioner’s Office to meet regulatory and legal obligations and requests for information.
  • Credit reference agencies are used to help us verify your identify, and to determine the price of your insurance and your payment options when you take out a quote and at renewal of your insurance policy. This leaves a "soft footprint" on your credit file which can only be seen by you and does not affect your credit score.

    If you choose to pay your premium by instalments we will share this information when you first take a policy with us and at each renewal. We may exchange your personal information with credit reference agencies to reflect your credit application (as payment by instalments means that there will be a credit agreement between us). We will let you know before we do this. This will be visible to other credit providers and is known as a "hard footprint". Failure by you or anyone who pays for your policy to keep up the monthly payments due under your credit agreement will be reflected in your credit score, not theirs.

    The identities of the credit reference agencies and the ways in which they use and share personal information are explained in more detail at www.experian.co.uk/crain/. Alternatively, you can call us and we will send you a copy.
  • Your spouse or partner who calls us on your behalf, provided they are named on the policy. Please tell us who they are when you take out your policy. If you would like someone else to deal with your policy on your behalf on a regular basis please let us know.  In some exceptional cases, we may also deal with other people who call on your behalf, but only with your permission.  If at any time you would prefer us to deal only with you, please let us know.
  • Other insurance companies to help settle any insurance claim or to verify that the information you have provided is correct (e.g  we will check the amount of No Claims Discount you have told us with your previous insurer).
  • Insurance industry bodies such as The Motor Insurance Database to meet our obligations under the Road Traffic Act.
  • Insurance industry databases, such as the Claims and Underwriting Exchange where you make a claim so that insurers can check that your claims history is correct, the Insurance Fraud Register and, for commercial policies, the Employers’ Liability Tracing Office.
  • Data verification and information information concerning your quote and your insurance policy to check your identity and evaluate your insurance risk. We does this by collecting data about you from public sources, such as the electoral register and insolvency service private sources and other insurers
  • Government bodies, such as the Driver and Vehicle Licensing Agency.

 

  • MKL FINANCE LTD operates a strict physical and electronic procedural safeguard to guard against unauthorised access of your personal information. Once you enter our website and fill out and submit our form, you consent for us to collect and use your personal information as in this Privacy Policy. We may change or amend this policy and reserve the right to do so at any time without giving notice.
  • We are committed in securing your personal data by preventing unauthorised access and to ensure the correct use of your personal information. We will not pass your personal details onto a company or third party. This policy applies to both new and existing customers.
  • Your personal information will be held securely with in the MKL FINANCE LTD systems so that either now or in the future, can manage your relationship with us. This will include information you provide when you apply to us, and any additional information provided by you or others in various ways, including: in applications, emails and letters, during telephone calls and conversations.
  • We may share the personal information held to get you the loan that will suit you: 

Rise in London housing market activity

THE AVERAGE London residential property price was 2.8 per cent higher in February than in January, new figures show today.  However, the average time it takes to sell has climbed to 69 days, according to the data released by Rightmove.  It marks seven straight months of increase in the time taken to sell a property, from June’s 40 days.  


British house prices pushed ahead of the Eurozone’s

BRITISH house prices pushed ahead of those in other major economies towards the end of last year, official figures showed yesterday.


Green homeowners Deal

The us government relaunched Environmentally friendly Green Package to help Gloucestershire Homeowners income for power saving advancements.


October top £50m for the first time in a number of years

The complete credited throughout the industry ended up being £50, 371, 440, which perceives 2013 credit currently at this point 18% upward on the whole of 2012 as well as entire annual credit provides cracked £4 billion for the 1st time in years.


MKL FINANCE LTD is Authorised and Regulated by the Financial Conduct Authority (FCA) No: 705151, in respect of its Consumer-Credit & Insurance Intermediary Activities: www.fsa.gov.uk/register/home.do. Registered in England & Wales No: 08346439, Registered Office: MKL House, 242 Archway Road, Highgate, LONDON N6 5AX: Data Protection No: Z3508144.

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