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Privacy



Privacy Policy



1. Who is the Data Controller
2. Your Rights
3. How will we use your data?
4. Claims & Underwriting Exchange Register
5. Motor Insurance Database
6. Insurance Administration, Renewal and Claims Handling
7. Marketing and Market Research
8. Send to a friend
9. Credit Searches
10. Sensitive Personal Data
11. Overseas Transfer of Data
12. Use of Cookies
13. How can I stop cookies and what effect will this have?
14. How secure is the information I give to you?
15. Who will process my credit/debit card information?
16. UK Residents Only
17. Responsibility for Content
18. Third Party Websites
19. Use of the Website
20. Termination
21. Law

1. Who is the Data Controller
BUDGET is a trading name of BISL Limited, part of the BGL Group . The data controller is BISL Limited registered in England and Wales registered number 03231094 at Pegasus House, Bakewell Road, Orton Southgate, Peterborough. In this Privacy Policy, "we", "us" and "our" means BISL Limited and "you" and "your" means the person who wishes to use the website.

2. Your Rights
We comply with and are registered under the data protection laws in the United Kingdom and take all reasonable steps to prevent any unauthorised access to your personal data. You are entitled, on payment of the fee of £10, made payable to BISL Limited to see details of the information we hold about you. If any of the information held is inaccurate we will also make any necessary amendments and confirm to you that these have been made. You have the right to request at any time that we and/or carefully selected companies cease processing your personal data for marketing purposes. If you wish to do this please write to the Data Protection Officer at BISL Limited, Pegasus House, Bakewell Road, Orton Southgate, Peterborough, PE2 6YS.

You are also entitled to ask us to remove personal information from our records and if you wish to do this then please write to the Data Protection Officer at the address above . Please provide your full name, address and date of birth when contacting us.

We reserve the right to amend or modify this privacy policy at any time in response to changes in applicable data protection and privacy legislation. We also reserve the right to transfer our rights under this Agreement at any time.

3. How will we use your data?
The following paragraphs set out in detail how your data will be used by us.

4. Claims & Underwriting Exchange Register
Insurers pass information to the Claims and Underwriting Exchange Register run by Insurance Database Services Limited (IDS Ltd), the Hunter Database, run by MCL Software Ltd and the Motor Insurance Anti Fraud and Theft Register, run by the Association of British Insurers (ABI) to help us check information provided and also to prevent fraudulent claims. When we deal with your request for insurance, we may search these Registers and any other relevant registers. Under the conditions of your policy, you must tell us about any incident (such as an accident or theft) which may give rise to a claim. When you tell us about an incident, we will pass this information to the Registers and to any other relevant registers. You can ask us for more information about this.

5. Motor Insurance Database
Your van insurance policy details will be added to the Motor Insurance Database (MID), run by the Motor Insurers' Information Centre (MIIC). MID data may be used by the DVLA and DVLNI for the purpose of Electronic Vehicle Licensing and by the Police for the purposes of establishing whether a driver's use of the vehicle is likely to be covered by a motor insurance policy and/or for preventing and detecting crime. If you are involved in an accident (in the UK or abroad), other UK insurers, the Motor Insurers' Bureau and MIIC may search the MID to obtain relevant van insurance policy information. Persons pursuing a claim in respect of a road traffic accident (including citizens of other countries) may also obtain relevant information which is held on the MID.
You can find out more about this from us, or at www.miic.org.uk

6. Insurance Administration, Renewal and Claims Handling
Information you supply may be used for the purpose of insurance administration, renewal and claims handling by the insurer, its agents, re-insurers and your intermediary. In assessing any claims made, insurers may undertake checks against publicly available information such as Electoral Register, County Court Judgments, bankruptcy or repossession information. Information may also be shared with other insurers either directly or via those acting for the insurer such as Loss Adjusters or investigators.

7. Marketing and Market Research
BISL Limited, part of the BGL Group , which also trades as Dial Direct and Bennetts, and other carefully selected companies may use your information to keep you informed by post, telephone, email or other means of products and services which may be of interest to you. They may also contact you to conduct market research. Your information may also be used for the above purposes after your policy has lapsed. If you do not wish your information to be used for these purposes please write to the Data Protection Officer at the address set out in the "Your Rights" section above.

If you’ve read this far, it’s advisable to check your pulse and make sure you’re still alive.

8. Recommend a Friend
When you provide details of a friend to whom an e-mail is to be sent you confirm the following:-
  • That you have obtained the consent of your friend to pass your friend's details to us and for your friend to receive the e-mail from us.
  • That you are happy for us to disclose your details as the person who asked that we send the e-mail to your friend

We will not use that person's details for any marketing purposes.

9. Credit Searches
In assessing your application/renewal, we may search files made available to us by Credit Reference Agencies. They may keep a record of that search. We may also pass to Credit Reference Agencies information we hold about you and your payment record with us. Credit Reference Agencies share information with other organisations, enabling applications for financial products to be assessed or to assist the tracing of debtors, or to prevent fraud. We may ask Credit Reference Agencies to provide a credit scoring computation. Credit scoring uses a number of factors to work out risks involved in any application. A score is given to each factor and a total score obtained and this together with other factors will be used to accept or reject your application.

10. Sensitive Personal Data
In order to assess the terms of the insurance contract or administer claims, we will need to collect personal data which the Data Protection Act 1998 defines as sensitive, such as medical history or criminal convictions. By proceeding with this contract, you will signify your explicit consent to such information being processed by the insurer or its agents.

11. Overseas Transfer of Data
We and the other companies processing your data for the purposes mentioned above may from time to time need to undertake some of the processing in countries outside of the European Economic Area which may not have laws to protect your personal data, but in all cases we will ensure that it is kept securely and only used for the purposes for which you provided it. Details of the companies and countries involved can be provided on request.

12. Use of Cookies
A cookie identifies your computer to a server that then enables information to be stored on the hard drive of your computer. Cookies allow a computer to be identified as corresponding to one that has accessed another website or visited a Site previously.Cookies are commonly used on the Internet and do not harm your computer system.
We may, from time to time use and serve cookies, pixel tags or action tags. Any information that is collected via cookies, pixels and action tags is completely anonymous.
We use cookies, pixel tags or action tags for various purposes, including:
  • collating anonymous aggregated information that is used to manage and plan enhancements to our services
  • to evaluate the effectiveness of our advertising and promotions on third party websites, for example by tracking whether these advertisements are clicked on by users.

We are continually looking to adopt and implement certain practices and technologies in order that we may improve your user experience.

13. How can I stop cookies and what effect will this have?
You can stop cookies from being deployed on your computer by configuring your browser not to accept them or opt-out. Please refer to your browser's 'help' facility.

If cookies are already on your system, you can delete them - For more information on cookies and deletion of cookies please visit: http://www.aboutcookies.org
Please be aware that deleting certain cookies can result in difficulties when navigating around sites.

14. How secure is the information I give to you?
The payment site employs enhanced encryption techniques which seek to ensure that all of your confidential data (such as credit card number, name, address and other information) cannot be intercepted, unscrambled or copied when being transmitted between our server and yourself.

Congratulations, this is further than anyone else has ever read – there is however no prize.

15. Who will process my credit/debit card information?
This will be done by our partners at Cardnet.

16. UK Residents Only
The products and services described on this website are only available to residents of the United Kingdom insuring commercial vehicles or properties within Great Britain, Northern Ireland and the Isle of Man (excluding the Channel Islands). By requesting a quote, you confirm that all drivers on your policy are UK residents or that the property to be insured is located within the UK and that if there is any change to this status then you would immediately notify the insurance provider.

17. Responsibility for Content
17.1 We are providing this Website on an "as is" either end basis and make no representations or warranties of any kind in respect of this site or its contents and disclaim all such representations and warranties. In addition, We make no representations or warranties about the accuracy, completeness, or suitability for any purpose of the information and related graphics published in this Website. The information contained in this site may contain technical inaccuracies or typographical errors. All Our liability howsoever arising for any such inaccuracies or errors is expressly excluded to the fullest extent permitted by law.

17.2 We make no warranty that the Website or any linked website is free from viruses or other malicious computer problems. You are responsible for ensuring that you use the appropriate virus checking software. Neither We nor any of our employees or other representatives will be liable for loss or damage arising out of or in connection with the use of this site. This is a comprehensive limitation of liability that applies to all damages of any kind, including (without limitation) compensatory, direct, indirect or consequential damages, loss of data, income or profit, loss of or damage to property in claims of third parties.

17.3 Notwithstanding the foregoing, none of the exclusions and limitations under the clause are intended to limit any rights You may have as a consumer under local law or other statutory rights which may not be excluded or in any way to exclude or limit Our liability to You for death or personal injury resulting from Our negligence or that of Our employees or agents.

18. Third Party Websites
This Website may also contain hyper text links to websites operated by third parties. The operation and content of those websites shall be determined by the organisation which controls the website and this will be governed by separate terms and conditions. Links are provided for convenience only and inclusion of any links should not be taken to imply endorsement in any way of the site to which it links. We accept no responsibility or liability for the contents of any other website.

19. Use of the Website
You agree that Your use of the Website will in no way affect the integrity or security of the Website or cause unreasonable inconvenience to any of Our staff.

20. Termination
We have in Our sole discretion the right to issue a warning, temporary suspension, or an indefinite suspension and termination of Your rights to use the website if You:-
  • act inconsistently and in breach of these terms and conditions;
  • at any time violate or attempt to violate any rights of any other user of the website or third parties;
  • are engaged in any fraudulent activity.


21. Law
This Privacy Policy is subject to English Law and to the exclusive jurisdiction of the English Courts.

That’s the lot, give yourself a pat on the back – you’ve earned it!