This website is owned and maintained by London Belgravia Brokers Ltd (LBB).
Please read the following information carefully before using our website. If you do not agree to be bound by these terms, you must stop using this website immediately.
We reserve the right to make any changes to these terms at any time. Please check this page regularly for any changes.
This site contains general information and materials based on English legal and business practice.
The information and materials contained in this site provide a general introduction to the topics to which they relate. They are not intended to be exhaustive, nor can they provide the detail necessary to give guidance in relation to any specific problems.
The information and materials contained in this site are correct as at the date of first publication. While we make every effort to ensure that this site is kept up to date, it may be incomplete, out of date or incorrect.
If you choose to access our website from locations outside the U.K., you do so on your own initiative and are responsible for compliance with local laws.
You may not link any other website to this site, nor frame it, without our express written permission.
LBB is committed to protecting the privacy of the personal information which we gain from you whilst you use our website.
Who we are and our approach to your privacy
LBB is a specialist insurance intermediary, who Latent Defect & property insurance. We will not be changing the way in which we use your personal information, but this Privacy Notice ensures that we continue to comply with the privacy law and regulations that are effective from 25 May 2018.
The privacy and security of your personal information is very important to us so we want to assure you that your information will be properly managed and protected whilst in our hands. Please read this notice carefully as it explains how we and/or carefully selected third parties we work with, collect and use your personal information.
Information we collect
We collect information about you when you apply for a policy, information relating to a prospective or insured party under a policy, details of any party making a claim under a policy, and if you contact us to make a complaint.
We collect information about previous, current and prospective policyholders; previous, current and prospective parties insured or to whom any benefit is payable under policies. The personal information that we collect will depend on your relationship with us. We will collect different information depending on whether you are a policyholder, insured party or beneficiary under a policy.
If you provide personal information to us about other individuals you agree:
We collect general information such as your name and address, contact details and relationship to the policyholder (where you are not the policyholder). This general information may include your professional work address and details of your permissions. Information relevant to your insurance policy. This will depend on the nature of the policy but will usually include the name of the insured party and details of the property to be insured
We will collect information relating to any previous policies or claims which may include information captured during our telephone calls
This list is not exhaustive and, in specific instances, we may need to collect additional data for the purposes set out in this policy.
Where we get the information
Directly from you or from someone else acting on your behalf. For example, if you are a policyholder, your solicitor or broker will provide details of your name and address to enable us to provide you with insurance that they deem you require.
From other third parties who provide a service in relation to your insurance policy or claim such as insurers, surveyors, claim handlers, experts, witnesses and other service providers
From expert’s reports and counsel’s opinions, from claims services providers, via publicly available sources such as internet search engines and social media sites, via insurance industry fraud prevention and detection databases and sanctions screening tools
From agencies such as the Financial Conduct Authority and from professional regulators and other professional bodies.
We do not collect and store any personal information about people who visit our website, other than when you have voluntarily given us your details as part of a request for information about our products and services such as our online or pack self-issue policy services.
We only keep your contact details where you have voluntarily given them to us, and solely for the purpose that you gave them to us. We do not collect information passively with cookies from our website and we only monitor the IP addresses of visitors so that we can monitor which website pages are the most popular and most visited. These IP addresses are not linked to personal data and therefore visitors remain anonymous to us.
How we use your personal information
We may process your information for a number of different purposes. When we process your information, we will always have valid legal grounds for doing so. When the information that we process is classed as sensitive personal information, we must have additional legal grounds for such processing.
We will only process your information for the following purpose; –
To verify your identity
To manage any registered agency account(s) that you may hold with us and for keeping our business records up to date
To offer, provide and administer an insurance policy.
To use you or your clients’ information to administer insurance claims.
Where we have a legal or regulatory obligation to retain, disclose or process personal information that we have collected (for example in relation to an investigation by a public authority or in a legal dispute)
For crime and fraud prevention, detection and related purposes.
To be able to offer Latent Defect insurance services such as up to date paper packs and for improving our products/product range and services.
For the legitimate interest of contacting you electronically about promotional offers and products and services which we think may interest you.
With whom we share your information
Other third parties who assist us in the administration of insurance policies such as surveyors, claims handlers, accountants, auditors, lawyers and other experts.
Fraud detection agencies and other third parties who operate and maintain fraud detection registers
Investigative firms we ask to look into claims on our behalf in relation to suspected fraud
Statutory and industry bodies and regulation authorities
The police or law enforcement agencies for the prevention or detection of crime
Third-party service providers such as IT suppliers, actuaries, auditors, lawyers, marketing agencies, document management providers and tax advisers
Your information is not transferred, stored or processed outside the European Economic Area. If we do transfer your data in such a way it will be to a country which is considered to have equivalent data protection laws or we have taken all reasonable steps to ensure the firm has suitable standards in place to protect your information.
How long we keep your information
Most policies that we issue last for 10 years so your personal information will be kept for the term of the policy and for a set period thereafter as is required in order to meet our legal and/or statutory obligations.
We will keep your information only for as long as is reasonably necessary for the purposes set out in this privacy notice and to fulfil our legal and regulatory obligations.
You have a number of rights concerning the personal information we use, these include the right to:
ask for access to and a copy of your personal information;
ask us to correct or delete the personal information;
ask us to restrict or object to the use of your personal information at any time;
where you have previously given us your permission to use your personal information, withdraw that permission. Where your permission is withdrawn, your previous consent will remain valid in respect of our use of your information, prior to the date you withdrew it, or if any marketing material has been sent, prior to you advising that you do not wish us to contact you again;
complain to the Information Commissioner’s Office at any time if you object to the way we use your personal information. For more information please go to www.ico.org.uk
If you wish to exercise any of the above rights please contact our Compliance Officer using the details provided in the ‘contact us’ section found below.
Please note that in some cases we may not be able to honour a request concerning your personal information, as this may result in us not being able to fulfil our legal and regulatory obligations. This may include holding the information for a minimum statutory period. If this is the case then we will let you know our reasons.
We take the protection of your information very seriously and have robust privacy and security controls.
If you have any questions about how we collect, store or use your personal information, you may contact us at:
Access to our website
Messages sent over the internet cannot be guaranteed to be completely secure as they can be intercepted, lost or corrupted. We are therefore not responsible for the accuracy of the messages sent by email over the internet – whether from us to you or from you to us.
Due to the nature of the internet and the fact that your access to our website involves features outside our control, we are not responsible for any technical problems you may experience with our website. If you do experience technical problems, please use the ‘contact us’ facility on this website.
Using Public Areas
Non-personal information – When you access any website, information is sent by your computer which identifies the network address you are connecting from. This information contains no personal information except to record that someone from that network address has accessed a certain page of a website. This information is used for system and network trouble-shooting.
Personal information – When you use the Public Areas of our website, we do not collect any personally identifiable information about your use.
When accessing or using any service provided on our website, you may not post or transmit any unlawful, threatening, abusive, libelous, defamatory, obscene, pornographic, profane or otherwise objectionable information of any kind. This includes, without limitation, any transmissions constituting or encouraging conduct that would constitute a criminal offence, give rise to civil liability or otherwise violate any national or international law.
Personal information given to LBB will be used to provide the requested service, and we will use your contact details contained in your profile to communicate with you, e.g. to keep you informed of products and services which may be of interest. If you do not want the information provided to be used in this way, please let us know by emailing email@example.com with your full name and postal address. LBB will not sell or rent your personal information to third parties for marketing purposes without your prior consent.
A cookie is a small piece of information, like a number or short piece of text, which your computer’s web browser software can store on behalf of a website.
You can control whether you wish your browser to accept cookies, as it can be set up to accept, reject or ask about any cookie placement. However, cookies are often essential to the correct functioning of a website.
Where we provide, LBB, direct links to any other website not under our control, we accept no liability for the content of, or your use of, that other website. You should also be aware that these other websites have their own privacy policies online.
Unless we have clearly stated otherwise, all intellectual property rights are our property. These include (but are not limited to) copyright in the graphic images, buttons, layout, and text contained in our website. You may not copy or distribute our website, except for your own personal use, in whole or in part, without our prior written consent.
London Belgravia Brokers Ltd is an appointed representative of Ten Insurance Services Ltd, which is authorised and regulated by the Financial Conduct Authority.
These details can be checked on the FCA’s register by visiting their website www.fca.gov.uk or by contacting them on 0800 111 6768.