Bikmo and Bikmo Plus are arranged by 45north Ltd and underwritten by Hiscox Underwriting Ltd.
45north Ltd is authorised and regulated by the Financial Conduct Authority – reference 745230. Registered in the UK under company registration number 06509349.
The Information We Collect
(a) Personal details
Your personal details will include, but will not necessarily be limited to, the following: name, address, postcode, date of birth, email address, telephone number/s, gender, claims experience, cycles, any other relevant details.
Such information held by us, either electronically or in hard copy, will only be used for insurance administration purposes including claims investigation, prevention of fraud and money laundering activity, in connection with any Policy of Insurance or premium quotation issued by us to you.
We guarantee that this information will not be passed on to any other party or for any reason not directly connected with your Contract of Insurance with us.
(b) Information Exchange
We exchange information with other approved organisations, such as loss adjusters, for underwriting, claims and fraud prevention purposes, and in addition, we may disclose information to other parties where this is required or permitted by law and by any relevant Data Protection legislation.
If you are providing details through one of our branded partner websites, then we may share data with only that partner for the purposes of verification and monitoring (for example – to check that you are a customer of our partners prior to approving an exclusive benefit).
(c) We only deal with you
In order to comply with the Data Protection legislation and to guarantee your privacy and security, it is our policy to deal with only you, i.e. the person named on the Schedule of Insurance. Unless you instruct us in writing to the contrary we will not deal with, accept instructions from, or discuss your affairs, with any other party, other than in extreme and exceptional circumstances.
(d) Changing your data
A full copy of all of the data that we hold about you in our database can be obtained by you but you must make the request in writing to CEO, 45north Ltd, 7 Abbey Square, Chester, CH1 2HU. We have the right to charge an administration fee for providing the service.
Our website and database is managed by 45north Ltd, 7 Abbey Square, Chester, CH1 2HU. Their procedures with regard to data warehousing, access and disclosure of information are all in accordance with appropriate Data Protection Legislation.
We do not store or keep any credit card or debit card details on our system.
We must point out to you that emails are not guaranteed to be totally secure, and we recommend that you bear this in mind before you send any personal or confidential information to us by email. If you do so, then this will be considered to be at your own risk.
Cookies can also help us to track and target the interests of our users in order to enhance the experience on our site. If a user rejects the cookie, they can still use our site. For more detailed information about cookies visit WWW.ALLABOUTCOOKIES.ORG.