Your consent is required for us to disclose details of the application and how you conduct your account (including any default) to Credit Reference & Fraud Prevention Agencies. This information may be used to help us and other organisations:

(a) assess the financial risks of dealing with you and other members of your household
(b) to help make decisions on motor, household, credit, life and other insurance proposals and insurance claims
(c) to administer agreements & insurance policies with you
(d) to help prevent or detect fraud, prevent money laundering or other claims, recover debts and trace debtors and
(e) for statistical analysis about credit, insurance and fraud.

If you request home insurance we may pass information about you to any organisation approved by us to enable them to arrange and administer the requested plan and for the purposes of underwriting, claims handling and fraud prevention (which could include passing details to other insurers).