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Your Rights

Under data protection law, you have a number of rights in relation to the personal information that we hold about you which we set out below. These rights might not apply in every circumstance. You can exercise your rights by contacting us at any time using the details set out on our "Contacting Us" page. We will not usually charge you in relation to a request.


Please note that although we take your rights seriously, there may be some circumstances where we cannot comply with your request; such as where complying with it would mean that we couldn't comply with our own legal or regulatory requirements. In these instances, we will let you know why we cannot comply with your request.


In some circumstances, complying with your request may result in your insurance policy or inspection services contract being cancelled or your claim being discontinued. For example, if you request erasure of your personal information, we would not have the information required to pay your claim. We will inform you of this at the time you make a request.

Your rights to access your personal information

You are entitled to a copy of the personal information we hold about you and certain details of how we use it.


We will usually provide your personal information to you in writing unless you request otherwise. Where your request has been made electronically (e.g. by email), a copy of your personal information will be provided to you by electronic means where possible.

The right to rectification

We always take care to ensure that the information we hold about you is accurate and where necessary up to date. If you believe that there are any inaccuracies, discrepancies or gaps in the information we hold about you, you can contact us and ask us to update or amend it.

The right to restriction of processing

In certain circumstances, you are entitled to ask us to stop using your personal information, for example where you think that the personal information we hold about you may be inaccurate or where you think that we no longer need to use your personal information.

The right to withdraw your consent

Where we rely on your consent in order to process your personal information, you have the right to withdraw such consent to further use of your personal information.


Please note that for some purposes, we need your consent in order to provide your policy or inspection contract. If you withdraw your consent, we may need to cancel your policy or contract, or we may be unable to pay your claim or carry out inspections. We will advise you of this at the point you seek to withdraw your consent.

The right to erasure

This is sometimes known as the 'right to be forgotten'. It entitles you, in certain circumstances, to request deletion of your personal information. For example, where we no longer need your personal information for the original purpose we collected it for or where you have exercised your right to withdrawn consent.


Whilst we will assess every request, there are other factors that will need to be taken into consideration. For example, we may be unable to erase your information as you have requested because we have a regulatory obligation to keep it.

The right to object to direct marketing

You have control over the extent to which we market to you and you have the right to request that we stop sending you marketing messages at any time. You can do this either by clicking on the "unsubscribe" button in any email that we send to you or by contacting us using the details set out on our "Contacting Us" page.


Please note that even if you exercise this right because you do not want to receive marketing messages, we may still send you service related communications where necessary.

The right to data portability

In certain circumstances, you can request that we transfer personal information that you have provided to us to a third party.

Rights relating to automated decision-making

We do not carry out any automated decision-making. If this changes in the future, we will provide you with an updated notice setting out our decision making process. 

The right to make a complaint with the Regulator

You have a right to complain to the Information Commissioner's Office (ICO) or any other local Data Protection Regulator if you believe that we have breached data protection laws when using your personal information.


You can visit the ICO's website at https://ico.org.uk/ for more information. Please note that lodging a complaint will not affect any other legal rights or remedies that you have.


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This publication is available exclusively to Munich Re clients. Please contact your Client Manager.