Data Protection

Summary of MIBI Data Protection Statement

This document contains a summary of the Motor Insurers’ Bureau of Ireland (MIBI) Data Protection Statement. The full statement can be viewed on our website by clicking here or you can call us at +353-1-676 9944 or email us at info@mibi.ie and we will send a copy to you.

Data Protection Legislation

All personal data is processed by MIBI in accordance with the Data Protection Act 2018 (as amended) and the EU General Data Protection Regulation (GDPR).

Personal Information we collect

We collect personal information in order to manage claims that you submit and to deal with claims that have been made against you as an uninsured driver or as the owner of an uninsured vehicle. The personal information that we may collect includes, but is not limited to, name, address, date of birth, insurance policy details if applicable, contact details (phone number, email address, etc), proof of ID including PPS number, employment details, gender, residency, driving licence, telephone recordings made by MIBI, claims history, criminal convictions, disqualifications and penalty points information. We may also collect details about the circumstances and location of an incident, the vehicles involved, damage caused to vehicles and other property, names of injured parties involved, details of any injuries resulting from incidents, relevant pre-existing health conditions and any subsequent injuries, CCTV footage, repair estimates, costs and payments, recoveries obtained, details of services provided to you (car hire, vehicle repair, medical services, other repairs, etc.) and where appropriate, bank account details for electronic payment purposes. We may also receive information provided by the Personal Injuries Assessment Board and, if applicable, your legal representative whom you may have engaged to represent you. The MIBI also collects information from other sources including your insurance company, accident investigators, medical practitioners and other specialists whom we engage with during the investigation of claims.

In addition to the above, for uninsured drivers and uninsured vehicle owners, the MIBI will seek a Mandate whereby, inter alia, the offending driver and/or vehicle owner, accepts responsibility for the accident. This means that you, as an uninsured driver and/or vehicle owner, will be asked to repay the costs incurred by the MIBI in dealing with claims that you are responsible for. When investigating your ability to pay, our recovery agents will seek a statement of means from you (that will identify your assets and income). This will be used to identify your ability to repay the MIBI’s costs and expenses related to dealing with claims.

Data held in the Irish Motor Insurance Database (IMID) includes personal data such as the identity of policy holders and named drivers, dates of birth, addresses, driver numbers and the country of origin of foreign driving licences.

How we collect your personal information

We obtain personal information directly from you or your representative. We may also obtain personal information from third parties involved in the incident including (without limitation) other drivers, passengers, witnesses, insurance companies, solicitors representing third parties, accident investigators and other experts that are engaged during the investigation of claims. We may also carry out searches online for publicly available information and in industry databases such as, but not limited to, Insurance Link which is a claims register.

Data in the Irish Motor Insurance Database (IMID) is collected directly from Insurers, brokers, fleet owners, motor traders and their agents who upload data directly to the IMID.

Use of Information

We use your personal information so that we can identify the insurance position of vehicles, investigate claims, pay compensation to injured parties and seek recoveries from uninsured drivers and uninsured vehicle owners who are responsible for the accidents.The legal basis for the MIBI to use your personal data is as follows:-

The processing is necessary for compliance with a legal obligation to which the controller is subject to;
The controller’s legitimate interest to investigate claims, settle claims and make certain types of payments that may or may not be required by law or a contract;
The processing is necessary for the performance of a contract to which the data subject is party to.

Call Recording

We may record or monitor telephone calls in order to ensure accuracy in the recording of information communicated to us and for training, quality and verification purposes.

Sharing Information

There are various circumstances where we may share personal data with other parties. Generally, this includes sharing with your representatives, our representatives and with various claims related parties, State organisations, (including An Garda Síochána) and insurance industry databases.

International Transfers

We, in our capacity as Information Centre and Green Card Bureau (or a service provider on our behalf), we may transmit certain aspects of your personal data within the European Economic Area and outside the European Economic Area. In such circumstances, we will ensure that such transmissions are carried out securely and in accordance with data protection agreements signed by MIBI in conjunction with the Council of Bureaux who govern the Green Card system. The Road Traffic (Third Party Risks) (Visiting Motorists) Regulations, 1952 and Mechanically Propelled Vehicles (International Circulation) Order 1992 provide the legal basis under which MIBI operates the Green Card Bureau in Ireland and the Information Centre role is covered by S.I. No. 651 of 2003.

Retention of Data

Retention periods differ depending on the purpose of the processing and the nature of the information. We will generally retain data for ten years after a claim is closed. This period is primarily determined by how long we need the data to deal with claims and for the purposes of seeking recoveries from uninsured drivers and/or uninsured vehicle owners. Data in the Irish Motor Insurance Database will be retained for six years after a policy lapses or is terminated.

Your Rights

As a ‘data subject’, you have the rights set out in this section. However, certain restrictions may apply in some cases.

Right to Withdraw Consent
Right of Access
Right of Rectification
Right of Erasure/Right to be Forgotten
Right not to be subject to Automated Individual Decision-Making, including Profiling
Right to Data Portability
Right to Object
Right to Restrict Processing of Your Data

For more details in relation to your rights, including how to exercise them, please see our full Data Protection Policy or contact us in one of the ways described below.

Communications

The MIBI or our service providers may contact you in relation to dealing with your claim or in connection with your dealings with us. This contact will relate to the purposes set out in in this Data Protection Statement and may include (without limitation):

Administration and management of your claim;
To agree reimbursement of costs and outlays with you as an uninsured driver and/or owner of an uninsured vehicle;
To deal with requests from you;
To deal with complaints and data access requests from you;

The MIBI’s main purpose is to deal with claims and as such we do not conduct marketing as we do not sell any products or services.

Cookie Policy

The MIBI’s website (www.mibi.ie ) uses cookies to distinguish you from other users to its website. This helps us to provide you with a good experience when you browse the website and also allows us to improve the website. For detailed information on the cookies we use and the purposes for which we use them see the ‘Privacy & Cookies’ link on the website.

Further information is available from the Data Protection Officer, Motor Insurers’ Bureau of Ireland, 5 Harbourmaster Place, IFSC, Dublin D01 E7E8.

Telephone: +353-1-676 9944 Email: info@mibi.ie Web: www.mibi.ie