Who we are
Insurance4insulinpumps is a trading name of Adeona Ltd.
We are Adeona Limited. We are a business registered in England and Wales. You can find our details at Companies House under Company Number: 06653627.
Our registered address is:
To carry out our insurance related business Adeona Limited is an Appointed Representative of Specialty Risks Limited. Specialty Risks Limited is Authorised and Regulated by the FCA, reference number 771865.
This website is owned and operated by Specialty Risks Limited.
About Specialty Risks’ insurance services
We are incorporated in England and Wales with registered number 6751834. We are authorised and regulated by the Financial Conduct Authority. Our registration number is 771865. You may check this information and obtain further information about how the Financial Conduct Authority protects you by visiting their website www.fca.gov.uk.
We are an insurance intermediary, meaning we arrange and administer insurance policies on behalf of insurers.
Our registered office is:
Our day-to-day contact details are:
Telephone: 0330 100 0712 (local rate call).
We are registered with the Information Commissioner’s Office. You can find our details on their website by visiting https://ico.org.uk/ESDWebPages/Entry/ZA221125
Whose products do we offer
We work with various insurers. We provide products under an agreement with the insurer which allows us to provide you with a quotation, confirm cover and issue policy documents to you. We also settle claims acting on behalf of the insurer.
We collect premiums on behalf of the insurer acting as their agent.
Copies of policy documentation can be obtained by contacting us.
We review the position of the insurer periodically to ensure they still meet the requirements of our customers.
How are we meeting your needs?
We will ask you some questions to ensure that your risk is one covered by the insurer and to inform you about available cover options. We do not provide you with a personal recommendation.
You will not receive advice or a recommendation from us in respect of insurance. We will provide you with all of the key information in order that you can make an informed decision about the suitability of the product based upon your demands and needs.
You must make your own decision as to whether this insurance meets your own needs.
How we are paid
We are paid for our services principally by way of a brokerage commission paid to us by the insurer as a proportion of the premium you pay. In addition, we may receive expense allowances from insurers for managing and administering certain facilities on their behalf. A proportion of the brokerage commission is paid to Adeona Limited as remuneration for their services.
How we use your information
Once we have accepted your application for insurance and collected your premium, we will pass your details onto the insurer, or if necessary, another regulated insurance intermediary who is involved in the underwriting your insurance policy.
Your information will also be held on our insurance processing platform by a third-party software provider. Your information is held in their secure data centre.
Your information will be used for:
- Providing insurance
- Underwriting, which may include decisions made by automated means
- Claims handling
- Offering renewal
- Financial risk assessment
- Money laundering checks
- Compliance and regulatory reporting
- Statistical analysis
In certain circumstances we may also disclose your information:
- If we have your permission; or
- If we are required to or permitted to do so by law; or
- When we are using other companies to provide services to us or you
- Where we may transfer rights and obligations
Information we collect when you purchase insurance
When purchasing insurance, we will ask you for the following information. The table below explains why we need this information:
|Information collected||Reason for collection|
|Who you are and where you live||So we know who the policyholder is and can verify your identity|
|Telephone number and email address||So we can contact you if we need further information or we need to tell you about a change to your policy|
|Details about your risk||So we know what we are insuring and how to calculate your premium|
|Payment Details||So we can obtain payment for your insurance policy|
How we use your information when you make a claim
We will ask you for additional information when you make a claim to assess your claim in line with the policy wording.
Once your claim has been approved, your information may be sent to third party companies to assist in the fulfilment of your claim. We will only send them the information necessary to process your claim.
Some of the personal information, such as information relating to health or criminal convictions, may be required by Specialty Risks Limited for the specific purposes of underwriting or as part of the claims handling process. The provision of such data is conditional for us to be able to provide insurance or manage a claim. Such data will only be used for the specific purposes set out in this notice.
Disclosure of your personal data
Specialty Risks Limited may disclose your personal data to third parties involved in providing products or services to us, or to service providers who perform services on their behalf. These include our group companies, affinity partners, brokers, agents, third party administrators, reinsurers, other insurance intermediaries, insurance reference bureaus, credit agencies, medical service providers, fraud detection agencies, loss adjusters, external law firms, external accountants and auditors, regulatory authorities, and as may be required by law.
International transfers of data
Specialty Risks Limited may transfer your personal data to destinations outside the European Economic Area (“EEA”). Where they transfer your personal data outside of the EEA, they will ensure that it is treated securely and in accordance with the Legislation.
How we don't use your information
We will not use any of the information you give to us for anything other than processing and management of insurance.
We will not send your information to another person or organisation who is not involved in the management of insurance or the fulfilment of your claim.
We will not contact you about any other products or services.
We will not give your information to a third party to contact you about any other products or services.
Contacting us by telephone
If you contact us by telephone, we may monitor or record the calls. We do this for quality control and training purposes and to verify information you have supplied to us when taking out a policy, amending your policy or making a claim.
You have the right to ask Specialty Risks Limited to see a copy of the personal information we hold about you, to have your data deleted (subject to certain exemptions), to have any inaccurate or misleading data corrected or deleted, to restrict the processing of your data, to ask us to provide a copy of your data to any controller and to lodge a complaint with the local data protection authority.
Your data will not be retained for longer than is necessary and will be managed in accordance with Specialty Risks Limited’s data retention policies. In most cases the retention period will be for a period of seven (7) years following the expiry of the insurance contract, or our business relationship with you, unless we are required to retain the data for a longer period due to business, legal or regulatory requirements.
If You have any questions concerning our use of your personal data, please contact the Data Protection Officer.
Changes to how we use your information
This notice may change from time to time and you should review it regularly.
What to do if you have a complaint
Our aim is to provide the highest level of service to you at all times in dealing with all aspects of your insurance. We do, however, realise that things can go wrong occasionally. If you feel we have not achieved our aim, please inform us. Your feedback enables us to monitor and improve the service we provide.
In the first instance, please contact Specialty Risks’ Managing Director at Specialty Risks, Island Farm House, 83 Island Farm Road, West Molesey Surrey KT8 2TR.
Please ensure that you quote your policy number in all correspondence and enclose any evidence or documentation that you wish to be considered in reviewing your complaint.
We will do our best to resolve your complaint quickly and with the least inconvenience to you and within the following timescales:
- We will acknowledge the complaint within two working days of receipt.
- We will aim to resolve the complaint within five working days.
If further investigation is required, we will aim to resolve the complaint within four weeks of receipt.
If we are unable to resolve the complaint within these timescales, we will write to you to let you know why we have not been able to do so.
If You feel that you have not received a satisfactory response, or the complaint has not been resolved within eight weeks of our receiving it, you may refer your case to the Financial Ombudsman Service (the FOS), set up by the Financial Conduct Authority to review unresolved complaints.
The FOS can be reached at:
In writing: Financial Ombudsman Service, Exchange Tower, London, E14 9SR
By telephone: 0800 023 4 567
We are a member of the Financial Services Compensation Scheme (FSCS). If we were unable to meet our obligations you may be entitled to compensation form the scheme, depending on the type of insurance and circumstances of any claim.
Further information about compensation scheme arrangements is available from the FSCS.
Telephone: 0800 678 1100 or 020 7741 4100.
This document can be made available in other formats on request.