MoreThan car insurance is now owned by Swinton

el91913
el91913 Posts: 2
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edited 3 November 2023 at 10:09AM in Insurance & life assurance
Just discovered the car insurance I set up with MoreThan a year ago is not to be renewed as they will no longer be doing car insurance. They have handed all their client insuree details to Swinton Insurance. 

I found this out not from MoreThan as you'd expect, but from Swinton claiming my 'automatically renewed' policy was starting with them.... a policy I never had contact with them about or agreed to. 

Despite this, the Swinton email of 'renewal' state proudly that they will charge for cancellation. Noting the deliberate attempt to delay sending this info until 1915 of the eve of the policy commencement and catch people in their cancellation fee trap, I'm asking for opinion on two things:

1. Has anybody else found themselves in this scam-like situation? 
2. Does the passing of personal information from MoreThan (the Data processor) to Swinton (a third party) without Data owner consent constitute blatant breach of GDPR?

Comments

  • DullGreyGuy
    DullGreyGuy Posts: 9,136
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    edited 3 November 2023 at 9:45AM
    el91913 said:
    Just discovered the car insurance I set up with MoreThan a year ago is not to be renewed as they will no longer be doing car insurance. They have handed all their client insuree details to Swinton Insurance. 

    I found this out not from MoreThan as you'd expect, but from Swinton claiming my 'automatically renewed' policy was starting with them.... a policy I never had contact with them about or agreed to. 

    Despite this, the Swinton email of 'renewal' state proudly that they will charge for cancellation. Noting the deliberate attempt to delay sending this info until 1915 of the eve of the policy commencement and catch people in their cancellation fee trap, I'm asking for opinion on two things:

    1. Has anybody else found themselves in this scam-like situation? 
    2. Does the passing of personal information from MoreThan (the Data processor) to Swinton (a third party) without Data owner consent constitute blatant breach of GDPR?
    MoreThan ceased writing Motor on 1 Sept 2023 but continues to be owned by RSA

    Their FAQ (https://www.morethan.com/car-insurance/faq/) is a bit of a mess because the first item that mentions renewals says they'll be contacting you in advance with options and the second question touching on renewals states you'll get a renewal quote from Swintons

    Irrespective of who sent it you should/will have received a renewal invite and if you are on auto renewal it will have stated it will renew automatically if you do nothing. If it's coming from Swintons maybe you deleted it assuming it was spam/marketing?

    2. Not necessarily, your data will have been going to many other organisations even before the switch to Swintons such as the MID as a legal requirement, CUE for counter fraud, Reinsurers for balance sheet protection and SII capital to name but a few. 

    You need to read the Privacy Notice/Policy on who they can share the data with and in what circumstances. If you look under their policy one of the reasons they state they'll share data is for the purposes of selling part of their business but the receiving business can only use the data for the same purposes as originally shared with MoreThan

    PS. MoreThan were the Data Controllers not the Data Processors, processors are subordinate to the controller. 


  • I had a “renewal” notice from Swinton come through by email at 19:56 on 14th Dec, with the policy set to “renew” on 16th. I managed to contact Swinton and after 30+ minutes of going through their painful IVR menu system and being on hold, I managed to cancel the policy I never requested or agreed to. 

    Certainly this bit of the More Than FAQ hasn’t been upheld!

    We will get in touch with you in plenty of time before your renewal is due, where you'll be asked to switch your current policy to Swinton Insurance.

    If you'd prefer to make your own insurance arrangements and not be contacted by Swinton, you'll be given the option to opt-out.


    It does seem this transition between the two insurance companies has been badly handled. 


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