Terms and Conditions

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Click on the link below to view our Bicycle Insurance Terms and Conditions if you purchased a policy AFTER 19th June 2013

Please click on the link below to see our Bicycle Insurance Terms and Conditions if you purchased a policy BEFORE 19th June 2013
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This document tells you about the benefits, conditions and exclusions of your bicycle insurance policy. Please read these carefully to make sure you understand the cover provided and comply with the terms and conditions.

This insurance is arranged and sold by Protect your bubble, which is a trading name of Assurant Direct Limited, and underwritten and adminstered by Assurant General Insurance Limited. Assurant General Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202735. Assurant Direct Limited is an appointed representative of Assurant Intermediary Limited. Assurant Intermediary Limited is authorised and regulated by the Financial Conduct Authority under registration number 311243. You can check these registrations on the Financial Services Register at http://www.fca.org.uk/ or by calling 0800 111 6768.

Governing Law

Unless we have agreed differently with you, English law will apply.

Policy renewal

Each year we will contact you approximately one month before your renewal date and offer to renew your policy. If you do not tell us that you do not wish to continue your policy then we will automatically process your renewal. If for any reason we are unable to automatically process your renewal we will still contact you approximately one month before your renewal date and invite you to renew your policy at www.protectyourbubble.com

Definitions

The words or expressions detailed below have the following meaning wherever they appear in this policy and will appear in bold with a capital letter.

Abandonment: left in a location other than the Insured Location for more than 12 hours at any one time or 24 hours in respect of train stations provided you have complied with the security requirements defined within the policy.

Accidental Damage: damage to the Bicycle specified on Your Schedule or any third party property not otherwise specifically excluded from this certificate of insurance caused by violent and external means including vandalism.

Approved Lock:

(a) a nominated lock from the appropriate Sold Secure category (as specified on Your Schedule); or

(b) for Bicycles less than £250 in value, an Approved Lock is one which is tested to a bronze standard by Sold Secure;

(c) for Bicycles greater than £249.99 but less than £1,500 in value, an Approved Lock is one which is tested to a silver standard by Sold Secure;

(d) for Bicycles greater than £1,499.99 in value, an Approved Lock is one which is tested to a gold standard by Sold Secure.

Bicycle: any cycle, adult tricycle or a tandem that is powered by human pedalling and/or battery which is not subject to the requirements of the Road Traffic Act. Also includes Approved Locks, helmets, component parts and Accessories permanently fixed to the cycle, specified in Your Schedule which is Your property, or for which You are legally responsible, normally kept at the insured location as detailed in Your Schedule.

Commencement Date: the date Your cover shall start as shown on Your Schedule.

Depreciation: for a Bicycle over three years old, a deduction for wear and tear of 10% of the Sum Insured of the item, for each year or part year from the date of manufacture. The age of a Bicycle will be determined by the age of the frame.

Endorsement: any terms and conditions additional to this certificate of insurance and specified on Your Schedule.

Evidence of Ownership: the original purchase receipt, showing the date, price paid, details of the Bicycle and Approved Lock name and address of seller, or other evidence which clearly demonstrates ownership.

Excess: the amount you pay towards each claim. Before Your claim can be approved you must pay the stated excess fee. For the value of bike insured:

  • £0 - £349.99                £25 excess
  • £350 - £899.99           £50 excess
  • £900 - £1,499.99        £75 excess
  • £1,500 - £2,499.99     £100 excess
  • £2,500 - £8,000.00     £200 excess

Family: parents, spouse, partner, son, daughter or siblings (aged 16 years or over), permanently residing with You at the Insured Location.

Forcible and Violent Entry:

a) entry evidenced by visible damage to the fabric of the building or vehicle at the point of entry:

b) damage caused to an Immovable Object or Approved Lock.

Immovable Object:

(a) any solid object fixed in or on to concrete or stone, which is not capable of being undone, removed with, or lifted under/over the Bicycle;

(b) a properly fixed motor vehicle roof rack or properly fixed vehicle Bicycle rack;

(c) at train stations, a Bicycle rack supplied by the train station expressly for the purpose of securing bikes, and within the jurisdiction of the transport police.

Insured Location: the location as stated on Your Schedule where the Bicycle is usually kept unless specified in an Endorsement.

Cover shall be extended to any temporary residence such as a holiday cottage/home, guesthouse, hotel or like for a maximum period of 30 days at any one time during the Period of Insurance. Any other address that You reside at for in excess of 30 days in any one year may be covered provided You advise Us and We accept by an Endorsement.

Period of Insurance: the period specified on Your Schedule.

Premium: the amount referred to as such on Your Schedule.

Schedule: the confirmation issued to You and any Endorsement attaching to it.

Sum Insured: the amount set out on Your Schedule.

Territorial Limits: as a United Kingdom resident domiciled in the United Kingdom, cover is applicable anywhere in the UK. Where You have selected European cover this is shown on Your Schedule, cover is extended to 30 days per trip anywhere in the European Union subject to a maximum of 90 days during any one Period of Insurance.

Terrorism: an act - whether involving violence or the use of force or not - or the threat or the preparation thereof, of any person or group(s) of persons - whether acting alone or on behalf of or in connection with any organisation(s) or government(s) which is designed to, or does intimidate or influence a de jure or de facto government or the public or a section of the public, or disrupt any segment of the economy and from its nature or context is done in connection with political, social, religious, ideological or similar causes or objectives.

Theft: the unauthorised dishonest appropriation or attempted appropriation of the Bicycle specified on Your Schedule, by another person with the intention of permanently depriving You of it.

Unattended: whilst the Bicycle is not being used or held by You or an adult who is entrusted with its safe keeping.

United Kingdom: England, Scotland, Wales, and Northern Ireland.

Unoccupied Insured Location: an Insured Location which has been unoccupied for more than 30 consecutive days.

Value: the purchase price of the Bicycle and any fixed Accessories (including VAT) from a reputable dealer as at the Commencement Date of the Period of Insurance.

We/Us/Our: Assurant General Insurance Limited, Registered office: 6-12 Victoria Street, Windsor, Berkshire SL4 1EN.

You/Your: the insured person or persons named on Your Schedule, or any Family member using the Bicycle with Your consent.

Cover & Exclusions

1) Theft of Your Bicycle

Within the Territorial Limits We will at Our option, replace, or pay the cost of replacing the Bicycle, with a similar article of like kind, functionality, and quality. We may use specialist suppliers for replacement chosen by Us. You must provide a purchase receipt confirming the make and model of the Approved Lock. If the purchase receipt is not available We may accept the remains of the Approved Lock that was in use when the Bicycle was stolen, provided We can identify the remains as being those of an Approved Lock.

Your Bicycle is not covered for:

  • Theft from the Insured Location unless Forcible and Violent Entry has been demonstrated and You have complied with the security requirement applicable to the Insured Location
  • Theft from the Insured Location where the security requirement has not been complied with and the bicycle is left unattended for more than 12 hours. 
  • Theft from any building at the Insured Location which is not constructed of brick, stone or concrete, unless the Bicycle is locked to an Immovable Object by an Approved Lock, or locked appropriately in a private garage or privately accessed wooden shed (see Security Requirements section). 
  • Theft when away from the Insured Location unless You have complied with the security requirement applicable when the Bicycle is away from the Insured Location (see Security Requirements section). 
  • Theft when away from the Insured Location unless it has been locked to an Immovable Object by an Approved Lock that is appropriate to the value of the Bicycle for a period not in excess of 12 hours. 
  • Theft when away from the Insured Location unless access to the Bicycle is effected by Forcible and Violent Entry
  • Theft from within the boundaries of a train station where the Bicycle was left unattended for a period in excess of 24 hours. 
  • Theft following abandonment. 
  • Theft whilst the Bicycle is in or on a vehicle unless You have complied with the security requirement applicable when the Bicycle is in or on a vehicle and access has been made by Forcible and Violent Entry
  • Theft of any tyres, or removable parts (including but not limited to wheels, saddles, pedals and handlebars), unless the Bicycle is stolen at the same time. 
  • Theft when entrusted, loaned or hired out by You to any other person, other than a member of Your Family.
  • Theft not reported to the police within 48 hours of discovery or reasonably thereafter.
  • Theft where you have not obtained a crime reference number within 48 hours of discovery.

2) Accidental Damage to Your Bicycle

Within the Territorial Limits of the policy We will repair the Bicycle to the level of functionality it was in prior to Accidental Damage occurring. We may at our option replace the damaged part with an identical part, or where an identical part is not available, a part of similar kind, functionality and quality. Where the part is beyond economic repair, We may opt to replace it with an identical part, or where an identical part is not available, a part of similar kind, functionality and quality. We may use specialist suppliers for repair or replacement chosen by Us.

Your Bicycle is not covered for:

  • Wear and tear, gradually operating causes, wet or dry rot, atmospheric or climatic conditions, frost, insect and vermin 
  • Marring, scratching, denting or any cosmetic change which does not impair the function and performance of the Bicycle 
  • Corrosion, rust, change in temperature, dampness, dryness, shrinkage, evaporation, contamination, change in colour or finish, dust, chemical action or reaction 
  • Mechanical, electronic or electrical breakdown and/or derangement unless fire ensues immediately 
  • Faulty or defective design, materials or workmanship or latent defect and defects in operation 
  • Any tyres, fixed Accessories or removable parts other than quick release parts, unless the Bicycle suffers Accidental Damage at the same time. 
  • Accidental Damage as a result of the Bicycle not being used in accordance with the manufacturers guidelines. 
  • Accidental Damage when entrusted, loaned or hired out by You to any other person, other than a member of Your Family.
  • Accidental Damage if sustained in transit unless handed to a recognised transport provider and the Bicycle is securely packaged and a receipt obtained

Security Requirements

At the Insured Location:

Accidental Damage or Theft of the Bicycle insured whilst at the Insured Location shall only be covered in circumstances where the Bicycle is:

a) at an Insured Location described as a house, flat and room in a communal residence, the Bicycle is kept inside and any security devices are in operation

b) at an Insured Location described as a private garage, privately accessed wooden shed and You have complied with the following Security Requirements:

i) all external doors must be secured by either a 5 or 6 pin padlock or a minimum of a 5 lever mortice deadlock to BS3621 standard, or

ii) the Bicycle must be secured through the frame by an Approved Lock to an Immovable Object within the building

c) at an Insured Location described as a communal hallway and communal outbuilding the Bicycle must be secured through the frame by an Approved Lock to an Immovable Object within the building

Where the Bicycle is away from the Insured Location:

Accidental Damage or Theft of the Bicycle whilst away from the Insured Location shall only be covered in circumstances where:

a) the Bicycle is not left Unattended; or

b) the Bicycle is left Unattended, but secured to an Immovable Object by an Approved Lock through the frame and

c) any access to the Bicycle is effected by Forcible and Violent Entry

d) the Bicycle is not left unattended in a location other than the Insured Location for more than 12 hours at any one time

e) the Bicycle is not left Unattended within the boundaries of a train station for more than 24 hours and subject to (b) and (c)

Where the Bicycle is in or on a vehicle:

Theft whilst the Bicycle is in or on a vehicle shall only be covered in circumstances where:

a) All doors, windows and other openings of the vehicle are left closed, securely locked and properly fastened

b) Access to the Bicycle must have been effected by Forcible and Violent Entry

c) Any security devices installed in the vehicle are in operation and

d) The Bicycle is stored out of sight, or is secured through the frame by an Approved Lock to the roof or bike rack attached to the vehicle

e) If the Bicycle is left in or locked on to the vehicle between the hours of 9pm and 6am the vehicle must be fitted with a Thatcham category 1 alarm/immobiliser or category 2 immobiliser or category 3 steering lockand if any such Category 1 and 2 device is not factory fitted, it must havbeen installed by a member of the Vehicle Security Installation Board and evidence of such must be provided in the event of a claim

f) When You are outside the United Kingdom where it is impossible to comply with the Thatcham security requirements, Theft shall only be covered if the vehicle is fitted with afactory fitted alarm or immobiliser and evidence of its existence must be provided in the event of a claim

g) Any vehicle used must have

•  valid motor insurance;

• a valid MOT certificate where applicable;

• current road tax where applicable; and

• all  windows and locks that are capable of rendering the vehicle secure.

General Exclusions Applicable to the Certificate of Insurance

This certificate of insurance does not cover any Accidental Damage or Theft or any expense whatsoever or any legal liability of whatsoever nature, directly or indirectly caused contributed to by or happening through or in consequence of:

a) any act of fraud or dishonesty by You or anyone acting on Your behalf;

b) delay, confiscation, nationalisation or detention by Customs or other government or public authority;

c) Depreciation or loss of any kind;

d) intentional causes at the direction of, or with Your knowledge;

e) the failure of; or the fear of the failure of; or the inability of any equipment or any computer programme to recognise, interpret correctly or process any date as its true calendar date or to continue to function correctly beyond that date;

f) war or invasion; or

• Terrorism; or

• acts of foreign enemies; or hostilities (whether or not war has been declared); civil war; or rebellion, revolution, insurrection; or military or usurped power

• ionising radiation or contamination by radioactivity from any nuclear fuel, or from any nuclear waste from burning of nuclear fuel, or

• the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof

• pressure waves from aircraft or other aerial devices travelling at supersonic speeds

• wilful, self inflicted injury or illness; or

• suicide or an attempt to commit suicide; or

• wilful exposure to danger, except in an attempt to save a human life;

• solvent abuse; or

• being under the influence of alcohol or drugs, except those prescribed byregistered Doctor and not those drugs prescribed for drug addiction; or

You engaging in any illegal or criminal act

Any Bicycle not specified on Your Schedule as property insured

Any liability in excess of the Sum Insured, or Value, whichever is the lesser

Any Bicycle where Evidence of Ownership has not been provided

Any additional claims costs resulting from supply of a Bicycle from outside the United Kingdom, when items are unavailable in the United Kingdom delivery is required to addresses outside the United Kingdom

Any claim arising out of cycling as Your occupation or profession

Any claim where You have declared the use of an Approved Lock but have been unable to demonstrate that an Approved Lock was used

Any Excess as detailed in Your schedule

Any claim following Abandonment of the Bicycle

Any claim above the maximum claim limit detailed in Your Schedule


General Conditions Applicable to All Sections of This Insurance

Automatic Reinstatement of Cover

In the event of a claim resulting in a total loss and subsequent replacement or cash payment, We will automatically reinstate cover on Your replacement Bicycle upon confirmation from You of the new property to be insured without change to the Schedule renewal date. If the Value of Your replacement Bicycle is higher than the Sum Insured You will be asked to pay the proportionate additional Premium. Following a claim We reserve the right to decline cover or apply special terms.

Custom Bikes

A receipt for any custom work will be required for any custom build bicycle in the event of a claim. If a receipt is not available We will not be responsible for custom work to be carried out on Your repaired or replacement Bicycle

Cancellation

We hope you are happy with the cover this policy provides. However, if after reading this certificate, this insurance does not meet with Your requirements, please return it to Assurant Services Limited within 14 days of issue and We will refund Your Premium. Thereafter You may cancel the insurance cover any time by writing to us however no refund of Premium will be payable. We shall not be bound to accept renewal of any insurance and may at any time cancel any insurance document by sending 14 days notice to the You at Your last known address. Provided the Premium has been paid in full You shall be entitled to a proportionate rebate of Premium in respect of the unexpired period showing on the Insurance certificate should We cancel Your policy.

We may cancel Your policy at any time upon giving You 30 days notice in writing. If We cancel Your policy and You have not made any claim, (a) and if You have paid the annual Premium you will be entitled to a pro rata refund. This means that a refund will be given for every complete month of the Period of Insurance remaining from the date 30 days after You receive Our written notice of cancellation; or (b) if You are paying Your annual Premium by monthly instalments, We will not collect any further instalments after You receive Our written notice of cancellation.

Contracts (Rights of Third Party) Act 1999

A person who is not party to this contract has no right under the Contracts (Rights of Third Parties) Act 1999 to enforce any term of this contract but does not affect any right or remedy of a third party which exists or is available apart from that Act.

Data Sharing

Under the terms of the Memorandum of Understanding in respect of information sharing between the Police Service and the Insurance industry, We will ask for Your consent that personal data can be shared with the relevant Police Constabulary to assist in the validation of Your claim. Failure to give Your consent may prejudice Your claim. We may share claims and underwriting information with other insurers and third parties in the course of conducting Our enquiries.

Entitlement to Policy Benefits

The benefits detailed in this policy in respect of the Bicycle are only payable to the named policyholder and any claim may only be presented by the person named on the Schedule.

Premium Payment

In respect of monthly policies if the Direct Debit Premium payment is cancelled or unsuccessful at any given point, no benefits shall be due whatsoever.

False/Fraudulent Claims

If You or anyone acting on Your behalf makes a claim under this certificate of insurance and know the claim is false or fraudulent in any way, the cover is void and the claim will not be paid, and all monies received by You or Your representatives, must be immediately repaid.

Important Changes

The cover under this certificate of insurance is based on information You have given Us and confirmed on Your Schedule. You must tell Us as soon as possible if any of this information changes, as Your cover will be affected and may be invalidated in the event of a claim.

Duty to take reasonable care when providing information

You have a duty to take reasonable care to provide accurate and complete information in response to questions asked by Us and also in relation to any additional information volunteered by You.

Other insurance

If at the time of any claim covered under this certificate of insurance, You have any other insurance or guarantee which covers the same Theft, Accidental Damage, loss, damage or personal accident, We will only pay a rateable share of the claim.

Reasonable Care

You must take all reasonable care to prevent any Accidental Damage, Theft or loss and keep Your Bicycle and the Insured Location in a good state of repair and condition. You must take all reasonable care to comply with all statutory obligations and regulations imposed by any statutory, regulatory, or government authority.

Subrogation

In the event that a third party is deemed liable for part or all of any claim, We may exercise Our right of subrogation. You shall, at Our request and Our expense, agree to and permit Us to do such acts and things as may be necessary or reasonably required for the purpose of exercising this right. You will take no action or make any agreements that may weaken or remove Our rights under this clause without Our prior written permission. We will pay any costs or expenses involved in exercising Our right of subrogation.

Under Insurance

A proportionate reduction in any claims settlement will be made should You under insure (i.e. the Sum Insured You have chosen is less than the Value of the Bicycle).

Claims

On the happening of any event which may give rise to a claim:

1.1 You shall give immediate notice, as soon as You become aware to:

a) the Police in respect of any Theft or malicious damage and

b) Us via Assurant Services Limited.


Failure to comply with either 1.1(a) or 1.1(b) may result in a claim being rejected.

1.2 Within 30 days of notifying Us, You shall supply, at Your own expense, full details of the claim in writing together with any supporting information, Evidence of Ownership and proofs which We may reasonably require including proof of purchase.

Failure to comply with 1.2 may result in a claim being rejected.

You must report the Theft to the Police within 48 hours of the occurrence of Theft and obtain a crime reference number in support of a Theft. A copy of the crime report from, which can take some time to obtain, may be required to confirm the circumstances of Your claim.

No claim shall be paid until You have complied with the above claims clauses 1.1 and 1. 2

We have the right, without thereby incurring any liability and without diminishing Your right to rely on any condition of this certificate of insurance, to take and keep possession of any part or all of the Bicycle and to deal with salvage in a reasonable manner, but You shall not abandon any Bicycle to Us.

You shall give such information and assistance as We may reasonably require, to substantiate any claim and where requested, provide proof of Your identity prior to settlement of any claim.

If You pay monthly and make a claim You will be required to pay the premium for the minimum term (12 months) in advance before We can authorise any claim.

Complaints Procedure

1. Although we set ourselves high standards, if we do not meet your expectations and you are not satisfied in some way we would like to know. If you follow the guidelines below, your complaint will be dealt with in the most efficient way possible.

Step 1 – Contact: The Quality Assurance Manager, Assurant General Insurance Limited, PO Box 1033, Uxbridge, UB8 9PX, or telephone 0844 3463980*, email: complaints@protectyourbubble.com

If you're still unsatisfied with the way your complaint has been dealt with, you can ask the Financial Ombudsman Service to review your case. You can contact them at the following address: South Quay Plaza, 183 Marsh Wall, London, E14 9SR. Telephone Number: 0845 080 1800.

2. In order for the Financial Ombudsman Service to review your case, you must send your complaint to them within 6 months of the date of our final correspondence to you. This procedure will not affect your rights to take legal action.

*Calls to 0844 numbers cost 3p per minute when calling from a BT landline. Calls from other networks and mobile phones could be considerably higher.

Notice to customers

1. You are advised that any telephone call made to our Policy Administration, Customer Services and Quality Assurance departments may be monitored or recorded. This is to monitor the accuracy of information provided by our customers and our own staff. It may also be used to provide additional training to our staff or to prove that our procedures comply with legal and regulatory requirements. Our staff are aware that calls can be recorded and monitored.

2. If we are not able to meet our responsibilities, you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS). you can contact them at 7th floor Lloyds Chambers, Portsoken Street, London, E1 8BN. or on their website www.fscs.org.uk. The level of protection for non-compulsory insurance claims is 90% with no upper limit.

3. Assurant General Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202735. Assurant Direct Limited is an appointed representative of Assurant Intermediary Limited. Assurant Intermediary Limited is authorised and regulated by the Financial Conduct Authority under registration number 311243. You can check these registrations on the Financial Services Register at http://www.fca.org.uk/ or by calling 0800 111 6768.

4. If you make a claim for theft all your insured bikes reported stolen will be checked against the police national stolen items database.

5. An agent may visit with you to discuss the circumstances of your claim. Should we arrange this then your information, recordings of your telephone calls made to us and copies of any emails, letters, proofs of purchase or other documents that was sent to us in relation to your claim and/or policy will be passed to that agency. You must make yourself available to that agent. Failure to meet with that agent will stop any benefits being paid on your claim and any future claims.

The terms and conditions of this insurance do not affect your statutory rights relating to faulty or mis-described goods. For further information about your statutory rights, contact your local authority Trading Standards Department or the Citizens Advice Bureau in the UK.

Assigning your policy

The benefits of this policy cannot be transferred to someone else or to any other without our written permission.

What will you do with my information?

We and Protect your bubble are registered data controllers under the Data Protection Act 1998 and We follow strict security procedures in the storage and disclosure of the information, that You have given us, to prevent unauthorised access.

Personal Data

Protecting your privacy is important to us and Protect your bubble. To the extent that personal data or sensitive personal data is processed about you, we and Protect your bubble will employ appropriate security measures given the nature of the data.

We shall try to ensure that your details are accurate, kept up to date and are not kept for longer than is necessary.

Use of your personal data

The information you supply will be used (i) to administer and process your insurance policy, (ii) to keep you informed of any changes to insurance products you have bought, (iii) for internal analysis and research, (iv) to identify you when you contact either Protect your bubble or us, and (v) to send you marketing literature from Protect your bubble, if at the time of purchase you requested to receive this information. If you do not wish to receive such information please contact Protect your bubble on 0844 3463971* or email customerservices@protectyourbubble.com.

*Calls to 0844 numbers cost 3p per minute when calling from a BT landline. Calls from other networks and mobile phones could be considerably higher.

Sharing of Information

We and Protect your bubble will not disclose your personal information without your consent, except in limited circumstances, for example, as permitted or required by law. We and Protect your bubble may share your personal information with third party service providers both inside and outside the European Union in connection with providing, administering and servicing your insurance policy and responding to any queries or complaints from you. Some of these parties may be located outside the European Economic Area (the EEA). The data protection laws and other laws of these countries may not be as comprehensive as those that apply within the EEA - in these instances we will take steps to ensure that your privacy rights are respected and your personal information processed in strict compliance with the Data Protection Act 1998. Details of the countries relevant to you will be provided to you upon request.

Your Right to Access

You have the right to access the personal data that we or Protect your bubble hold about you, by sending a written request to us at Assurant General Insurance Limited, PO Box 1033, Uxbridge, UB8 9PX, and on payment of a fee of £10.00. You also have the right to request that any inaccuracies in the information we hold about you are corrected.

Fraud Prevention

If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies. Law enforcement agencies may access and use this information. We and other organisations may also access and use this information to prevent fraud and money laundering, for example, when:

• Checking details on applications for credit and credit related or other facilities

• Managing credit and credit related accounts or facilities

• Recovering debt

• Checking details on proposals and claims for all types of insurance

• Checking details of job applicants and employees

Please contact the Quality Assurance Manager at Assurant General Insurance Limited at the address below if you want to receive details of the relevant fraud prevention agencies. We and other organisations may access and use from other countries the information recorded by fraud prevention.