Data Controller. Who will process your data?
Purposes. Why do we need your data?
Some data uses are necessary (to comply with legislation and contracts) and others are additional (they depend on whether you give your consent or where any legitimate interest is observed), and they are considered compatible because their aim is to send you commercial communications that are really of interest to you, adjusted to your personal profile, or to improve the quality of our services or our products.
Time periods. How long will we keep your data?
Why is it sometimes necessary to create profiles and adopt automated decisions?
Legitimation. Why do we need your data and possible objection to processing?
What data and processing is obligatory and what are the consequences of not supplying data?
Recipients. Who will handle your data?
Rights. What are your rights regarding your data?
Rights. How can I exercise my rights?
Data categories processed are:
Common insurance industry files.
In accordance with the legal authorization contained in Article 25.4 of Royal Decree Law 6/2004 of 29 October, approving the amended text of the Law on the Regulation and Supervision of Private Insurance, the insurance companies, through their Business Association UNESPA, have established the following files:
Historical File of Automobile Insurance, whose purpose is pricing and risk selection. The file is established for the information provided by the insurance companies and includes their claims history in the last five years, in the terms expressed in the Law on Civil Liability and Insurance.
We inform you that the data on your car insurance policy and claims will be transferred to this common file.
The Common File of total loss, fire and theft in automobile insurance. The purpose of the aforementioned file, produced with the information provided by the insurance companies, is fraud prevention and detection, either by warning the insurance company when the Insurance is purchased, or by detecting fraud already committed in reported claims. The file contains the entire information contained in your insurance contract, including your personal data, as well as the claims reported and payments received. Furthermore, in order to locate vehicles that have disappeared due to theft, the ZARAGOZA CENTRE and the Law Enforcement Forces and Agencies will have access to the information, for the sole purpose of carrying out the pertinent checks on vehicles that are located in order to inform the insurance company of them being available to the owner or, in the event that compensation has been paid for the vehicle, the insurance company itself.
You are informed that in case you have an accident in which there is total loss, either through damage, fire or theft, the data on your automobile Insurance Policy and information related to the accident will be transferred to that common file.
If you wish to exercise rights of access, rectification, cancellation and opposition, you can contact TIREA, Ctra. Las Rozas a El Escorial Km 0,3 Las Rozas 28231 MADRID, having to identify yourself by ID, Passport or Residence Card or any other valid identifying document and, if acting through a representative, specific authorization of the interested party, all of this with the purpose of impeding the exercise of rights to those who are not the interested party. In the event that the address in the identity document is different from the address requested for sending information documents and correspondence, the address shown on the identity document will be used, unless stated otherwise and sufficiently demonstrated, since, on being a very personal right, the greatest safeguards must be taken to ensure that the person who exercises the right is the actual interested party, and to ensure the privacy and confidentiality of your data.
Under the Mandatory Automobile Liability Insurance, the Insurance Compensation Consortium is responsible for managing the Computerised File of Insured Vehicles (FIVA). All insurance companies operating in this insurance area are required, from the moment they start their operations, to report all registrations and cancellations of motor vehicles insured by them daily to FIVA.
In the event that the policyholder has any due and payable debt with Línea Directa, and provided that the legal requirements for this are met, Línea Directa may communicate this non-payment to credit information files, specifically to ASNEF EQUIFAX, managed by the company Asnef- Equifax Servicios de Información sobre Solvencia y Crédito, S.L., and BADEXCUG, managed by Experian Bureau de Crédito S.A.
Likewise, when deemed appropriate according to the nature of the transaction, Línea Directa will consult solvency files related to the compliance or default or the propensity to default or compliance with respect to financial obligations. If the policyholder is listed at any point in time on any of the files consulted, Línea Directa may decide not to enter into the contract, or not to renew the Policy with this client, without prejudice to the client’s right to claim against this decision.
What obligations do I have when communicating my data?