thank you for your thoughts on this but it won't happen. it has already gone to a collection agency so the insurance company have already been paid off. they only issue a dont insure if you make attempts to abuse the insurance system. besides i have my current policy with my new insurer and never had any issues

Hi, thanks for the response. I found this on their website:

We will collect your personal information when:

You ask for a quote

You purchase our products and services

You make customer enquiries

You register for information or other services

You register a claim

You respond to communications or surveys

When providing information about others who may be insured you confirm that you have the consent of these individuals to supply their personal information

General

We will use your information for:

Processing your quotes

Administering your policy including claims handling

Fraud prevention and detection

Credit scoring or other automated decision-making systems

Administering debt recoveries

Verifying your identity when required

Undertaking market research and statistical purposes

Keeping you informed about promotions and new developments by email, telephone or post

It is clear about their policy on how the information is used but do you think it was correctly obtained?

If the company already had my information then I would accept this but they have had to make a request for this data.

All terms and conditions state on websites that information is exchanged on various databases (outside the MID) to prevent fraudulent claims. This is allowed by law as data protection act does not cover people if it is part of a criminal investigation.

I can confirm that I am not in the middle of a claim and this strongly suggests that my data has been used against the purpose of which it was stored for.

I'm going to go to the ICO.

Hi,

I would really like some advice on this please as I have scoured the web and doubt that what I need to know is public information.

As you know insurance companies have access to the MID for multiple reasons, all insurance related.

A letter has been received at an address of my relatives from an insurance company in relation to an outstanding bill of £120. What is confusing is that I have never officially lived at this address and used it only for my current insurance policy with a different company.

I was homeless at the time and still needed insurance as we all still have to work!

My question is whether the insurance company have used the MID appropriately in this manner to trace debt and whether the MID granted fair and reasonable access to my data as this was not in conjunction with a claim, a new policy or any other insurance related matter.

Imo opinion it was used solely for the purpose of tracing debt of which they should have used the appropriate channels which would have lead them to my current abode.

I look forward to your responses.