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Duty of disclosure and how we use your data

Duty of Disclosure

To obtain the appropriate cover for your needs we need to ask you some essential questions. If you are unsure of any points please use the help text alongside the question or simply call us.

As a consumer (i.e. a person taking out insurance for purposes wholly or mainly unrelated to your business, trade, or profession) and the insurance policy being governed by English law, you have a duty to make a fair presentation of the risk and must disclose every material circumstance which is known by you. If you fail to disclose, or misrepresent a material fact or circumstance which you know or ought to know, your insurer may treat the contract as if it had never existed. If you have any doubt as to whether certain facts are relevant, please tell us.

How we use your data

To provide our services, we (and other insurance market participants) need to collect and use information about individuals such as their name and contact details, as well as special categories of personal data (e.g. about their health information and information about criminal convictions and offences). The purposes for which we use personal data may include arranging insurance cover, handling claims, for crime prevention. More information about our use of personal data is provided in the Marsh Commercial Privacy Notice at https://www.marshcommercial.co.uk/info/privacy/ or in hard copy on request by emailing or writing to Data Protection Officer, Jelf Insurance Brokers Ltd, 1 Tower Place West, London EC3R 5BU or dataprotection@marsh.com.

Providing the services may involve the disclosure of personal data to third parties such as insurers, reinsurers, loss adjusters, premium finance providers, sub-contractors, our affiliates and to certain regulatory bodies who may require your information themselves for the purposes described in the Marsh Commercial Privacy Notice.

Depending on the circumstances, the use of personal data described in this notice may involve a transfer of data to countries outside the UK and the European Economic Area that have less robust data protection laws. Any such transfer will be done with appropriate safeguards in place.

Where you are providing us with information about a person other than yourself, you agree to notify them of our use of their personal data and, if requested by us, obtain their consent to our use of any special categories of personal data such as health information and information relating to criminal convictions and offences (e.g. by requiring the individual to sign a consent form).

For more information please refer to the Terms of Business Agreement.

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Marsh Commercial is a trading name of Jelf Insurance Brokers Ltd. Jelf Insurance Brokers Ltd is authorised and regulated by the Financial Conduct Authority (FCA). Not all products and services offered are regulated by the FCA. Registered in England and Wales number 0837227. Registered Office: 1 Tower Place West, London, EC3R 5BU.

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