Name: SAVE: Save Money and time, and never miss a renewal with Rightly Save
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Our services cover three aspects of personal data, one to help you make the most it, one to stop data brokers processing it and one to get your data deleted from any organisation

Rightly

Never miss a renewal and save money by using Rightly Save to help you stay organised, get reminders and find better deals all year round on car, home and other insurance products and services.

SAVE: Save Money and time, and never miss a renewal with Rightly Save

Our three services to help you manage your data | Rightly

We have three services to help manage your personal data. With Rightly Save you can better manage your insurance policies and not get caught out by the loyalty penalty. With Rightly Protect you can find out who has your data and get it deleted from any organisation you choose to. And finally, you can instruct data brokers to stop processing or sharing any of your personal information to cut down junk.

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<a href="https://right.ly/rightly-save/">Rightly Save</a> is our new service that helps you make the most of your personal data by pulling together all your insurance policies into one place, and help you set up renewal reminders so you never miss another chance to shop around for a better deal. You have a legal right to instruct a company to share your data with another organisation if that’s what you want to do. Rightly Save helps you use those rights.With <a href="https://right.ly/rightly-protect/">Rightly Protect</a>, you can find out who has your data and ask for it to be completely erased if that’s what you want. One of the problems with companies having so much of your personal data is that they’re being hacked all the time by people who want to steal it. When they do that, hackers build a profile of you, especially if they can get different bits of personal data from different sources. That makes you more vulnerable to being targeted by scammers and even complete identity theft. If a company doesn’t have your data, it can’t be stolen from them.Our third service helps you <a href="https://right.ly/delete-your-data/stop-data-brokers/">stop junk marketing</a>. Your personal data gets sold by some companies and it lands in the hands of ‘data brokers’ who are all too willing to sell it to anyone who wants it. But you can stop them processing your data and so prevent them from sharing it. Rightly can help you stop third parties selling your contact information to other companies and so reduce the amount of junk post, junk email and unwanted calls you receive.

In July 2023 The Guardian ran an article that said in the UK drivers have been shocked as car insurance costs have soared by up to 90%. And that’s even for drivers with no accidents, points or anything else that would increase their risk.The Guardian went on to report that the average car insurance quote increased by 34% in the year to May, according to the market research firm Consumer Intelligence. A typical policy now costs £2,145 for under-25s, £850 for the 25-to-49 age group, and £568 for over-50s.It’s become really noticeable how quickly insurance premiums are rising, for home, travel, pet and especially car insurance. So what’s behind it? Could the insurance industry be using the cost of living crisis to also increase their profits? Some insurance experts say car insurance has slim profit margins, and that many firms were caught out during 2022 by the steep rise in claims costs and are making up ground with higher premiums.The insurers have a list of reasons they say are behind the hikes in prices:<ul><li data-block-key="5loit">Rising energy costs: We’ve all felt the increases in energy costs and the insurance companies have had to pay too. When it comes to car repairs there’s been an increase in energy bills of 300% for repairers. They didn’t qualify for government support that was given to households and have had to absorb soaring energy prices</li><li data-block-key="fmcuc">Parts are more expensive: According to the Association of British Insurers (ABI) paint and material costs are up 16% on average in the last quarter, not least caused by the rapid increases in the cost of transporting and manufacturing parts for cars. Another big cost for modern cars is all the electronics. Microchips, make up about a third of the cost of modern-day vehicles, and they remain in short supply, which inevitably pushes up their cost</li><li data-block-key="4gm8n">Higher prices for second-hand cars: Second-hand cars have been holding their value, partly because of the lack of supply of new cars. But because second-hand cars are worth more, of course it costs more to insure them. It currently costs insurers more to replace written-off cars and the costs of providing courtesy cars has risen by around 30%, so these are costs the insurers are looking to pass on</li><li data-block-key="44r7j">New insurance rules don’t cover fees: In 2022, consumer protections came into place that banned insurers from charging existing customers more than new customers. It was claimed this would end the so-called ‘loyalty tax’ on motorists once and for all. But it turns out there was a way around that: the new rules applied only to premiums, not to fees. So insurers have been trying to grab back revenues and limit the impact on their bottom line by hiking fees. Consequently, you’re probably paying higher renewal and set-up fees. And you’ll likely be charged extra for cancellation fees too</li><li data-block-key="10mum">More loopholes in regulations: Under the pricing rules issued by the Financial Conduct Authority in 2021, called the General Insurance Pricing Practices (GIPP), it turns out that the rules aren’t as watertight as perhaps intended. There’s plenty of evidence that existing customers are still paying higher premiums than new ones when they come to renew their policy, rolled over on auto-renewal for another year at a higher price if left unchallenged</li><li data-block-key="2u8i2">Change in circumstances? If you’ve made a claim or you’ve changed address since you last signed up for a policy, you’ll be charged a different, and probably higher, price than your existing policy when you come to renew.</li></ul>So what can you do to cut your insurance premiums?One thing to do is to make sure you don&#x27;t have auto-renewals turned on. That will stop your insurer rolling you over to another year at a new higher price before you have a chance to see what better deals might be out there. Consider the following:<ul><li data-block-key="e3023">See what else is out there: Even if you see a price that looks pretty good for the next period of insurance, it often pays to see what else is around. Use some time before the renewal is due to find a better price</li><li data-block-key="16i5h">Timing matters: It turns out that there is an optimum time to be looking for the best price - about 21-23 days before the renewal date. That’s when you’re most likely to find the best price elsewhere, or be able to negotiate the best deal with your existing provider</li><li data-block-key="4shr9">Timing really matters: Also, insurers dynamically adjust premiums according to how many people have applied for quotes that day, as well as their demographics. So, if a lot of new drivers apply for a policy on the same day, it’s likely that prices will be rising. Searching during the day may get you a lower premium than searching in the evening</li><li data-block-key="811jf">Pay premiums annually: Not always easy, or possible, financially, but if you’re able to pay for your premium upfront in one go, you could save 10-20% on the cost</li><li data-block-key="1ombn">Make sure you&#x27;re on the electoral roll: Insurers use it to check your identity and if they have to make more effort to check on who you are, they will pass on the cost</li><li data-block-key="b9e9a">Get a Black Box deal: If you can get a telematics connected deal, it may result in a lower premium. It involves having a box fitted to your car that monitors your driving, although The Guardian reported that these deals are getting harder to find, bad news for young drivers.</li></ul>Take controlAt Rightly, we’ve developed a better way to renew your insurance premiums, not just on cars but on any insurance.<a href="https://right.ly/rightly-save/">Rightly Save</a> is our new service that automatically finds all your insurance policies and presents them to you in a single place, complete with renewal dates and the type of policy. We’ll set up automatic reminders so you get plenty of notice of all your insurance renewals, whether for car, home, travel, pet or any others you may have forgotten about - at just the right time to find the best deal. Then, you’ll have a chance to find a better deal before your existing insurer rolls you into a new year and a new higher price.Rightly Save is free to use, and it’s quick and easy.

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The airline industry gets heavily targeted by hackers because of the extensive amounts of customer data they hold.In 2020, British Airways was fined £20m following a data breach which saw the personal details of around 400,000 customers taken by the hackers. In February 2021 airline technology provider SITA was hit by a cyberattack targeting passenger data in its Passenger Service System servers. A few months later, the personal data of thousands of employees of the Dutch airline KLM were leaked due to a data breach at pension provider Blue Sky Group.In June this year American Airlines and Southwest Airlines had data compromised by the hack of a third party software company which gave away names and social security details of pilots and cadet applicants. The airlines issued warnings to staff to watch out for possible cases of identity theft.Airlines collect and process vast amounts of passenger personal data on a daily basis. This data will range from their names, email addresses and phone numbers to highly sensitive data such as passport numbers, credit card details and travel plans.This is also the case for airports, such as Heathrow airport which sees on average almost 220,000 passengers pass through every day and suffered a major data breach.The sheer volume of passenger traffic makes the aviation industry a goldmine for hackers, and as GDPR and other data regulations with a global reach such as the CCPA are bringing in much higher data protection standards, leaders in the aviation industry are racing to adequately safeguard their data protection systems.<h2 data-block-key="76ajg">The British Airways data breach</h2>In 2018 nearly 400,000 British Airways customers had their personal data breached when hackers attacked the airline’s databases. The data breach included personal contact information and credit card details, putting consumers at risk.User traffic from the BA website was diverted to a fraudulent website which then harvested customers details including CVV and card numbers, as well as employee usernames and passwords. The fraudulent activity took place between 21 August to 5 September 2018 without interrupting the usual BA booking and payment procedure. The ICO found that BA were processing huge volumes of personal data with inadequate security measures in place to protect consumers and employees alike against the unauthorised or unlawful processing, accidental loss, destruction or damage of their personal data.Initially the ICO fined BA an astonishing £183,000,000. This was the largest ever fine to be issued under GDPR in the UK, amounting to 1.5% of BA’s annual global turnover. British Airways were stunned by the scale of the fine and they successfully reduced it to £20m - still the largest fine to be handed down by the ICO.Journalist Chris Stokel-Walker from Wired argued that poor IT infrastructure caused the BA data breach, and that it could have been avoided easily.The hackers, a group called ‘Magecart online’, were able to access the private information of BA customers through a vulnerability in third party JavaScript used by the BA website.Andrew Dyer, a cybersecurity researcher at Oxford University told Wired that as a singular error within a third party script, the vulnerability that was exploited by hackers should have been detected through monitoring.He went on to say, “However, that it was not found for so long and that script had not been updated suggests a more systemic issue of IT governance at BA – meaning it is unlikely this is an isolated vulnerability. Effective monitoring would have picked up this quickly – not the three months it took BA”.<h2 data-block-key="jjlv">EasyJet data breach</h2>In May of 2020 EasyJet announced that the personal data of 9 million customers had been breached in a &#x27;highly sophisticated cyber attack&#x27;.The airline first became aware of this attack in January 2020, and that customer data including travel details, contact details and email addresses were illegally accessed.Now easyJet is facing a group legal claim brought forward by 10,000 affected customers, making this case one of the biggest group actions in response to a data breach in the UK.A further investigation found that, beyond the information easyJet admitted to being breached in the claim, the credit card details of 2,200 customers were also breached in the attack.The law firm PGMBM managed the group action against easyJet, with managing partner Tom Goodhead calling the case, “a monumental data breach and a terrible failure of responsibility that has a serious impact on easyJet’s customers.”Experts believe that easyJet could face fines that will run into tens of millions for breaching GDPR. Further still, the damages awarded in the group litigation case could add up to as much as £18bn.EasyJet did not notify the ICO of the breach when they became aware of it within the 72 hours as data controllers are supposed to under GDPR. The airline claimed that this was because they needed time to understand the complexity of the attack.It is expected that the ICO will not accept this reasoning, and that easyJet will face a harsher fine due to this violation of GDPR. This is an expensive mistake to make, particularly when the financial repercussions of this data breach come at a time when easyJet are already cutting 30% of their workforce due to the upheaval caused by the coronavirus pandemic.EasyJet did not announce how the attackers managed to conduct their hack, however they did say that they believe the perpetrators were after company intellectual property and stole customer data as an afterthought.<h2 data-block-key="489t1">Heathrow Airport data breach</h2>In 2018, Heathrow Airport was fined £120,000 by the Information Commissioner’s Office for what they determined to be &#x27;serious&#x27; data failings.Heathrow’s data leak was the result of the individual misconduct of one employee. A member of staff misplaced a USB stick in 2017 containing the &#x27;sensitive personal data&#x27; of customers.Heathrow has said that it regrets the breach, and that the memory stick, which contained 76 folders with more that 1,000 files was not encrypted or even password protected. They claimed that the sensitive information of only ten people (which included names, dates of birth and passport numbers) was leaked. Staff information was also breached, including that of 50 security personnel.The British media played a large role in this case – it was the Sunday Mirror who alerted Heathrow about the breach. This report by the Mirror suggested that when the man who found the USB stick and plugged it into a public library computer, he saw the exact travel plans of the Queen of England, as well as a map pinpointing CCTV camera and escape shafts in Heathrow Airport. The paper argued that this was highly sensitive information and the breach could have posed a national security risk.The ICO did not confirm whether or not all of this information was indeed breached, however they did levy a hefty fine under GDPR regulations. The ICO pointed out that only 2% of Heathrow’s 6,500 workforce had been trained in data protection.Heathrow Airport says that necessary protection measures have since been implemented.<h2 data-block-key="a42r3">Cathay Pacific airline data breach</h2>Cathay Pacific, the flag carrier airline of Hong Kong was charged £500,000 by the UK’s ICO due to the impact of an international data breach on UK customers, which was issued this year following an extensive investigation.9.4 million customers were impacted globally, 111,578 of whom were from the UK.The breach occurred in March 2018, and the ICO in particular asked why it took Cathay Pacific six months to publicly disclose that a breach had occurred.Cathay’s inability to secure their data systems resulted in passengers&#x27; personal details being illegally accessed including: names, passport and identity details, dates of birth, postal and email addresses, contact details and travelling history.The UK’s data regulator said that “Cathay Pacific systems were entered via a server connected to the internet and malware was installed to harvest data”, however the ICO also stated that they uncovered a catalogue of errors in how data was being handled.This included backup files that were not password protected, unpatched internet-facing servers and the use of out of data operating services.Then director of the ICO Steve Eckersley said that the fine was justified because “this breach was particularly concerning given the number of basic security inadequacies across Cathay Pacific’s system, which gave easy access to the hacker.”Cathay Pacific said in response to the ICO’s investigation and resulting fine that they “cooperated closely with the ICO” and that though no personal data had been misused in this case, as “the sophistication of cyber-attacks continues to increase”, they will ”continue to invest in and evolve IT security systems.”<h2 data-block-key="978of">Increasing sophistication</h2>The airline industry needs to get on the front foot when it comes to protecting data against hackers. The criminals are rapidly becoming more sophisticatedThe SITA incident in 2021 and BA’s problem in 2018 show that airlines should focus not only on the security of their own network, but also on the security of their suppliers and partners. The airline industry should continually review security measures and procedures with their suppliers so that third party vulnerabilities are not exploited. Also, airlines should scrutinise the purposes for which data is shared with partner airlines and minimise the sharing of data to only what is relevant and necessary.<h2 data-block-key="69hie">What can you do?</h2>If your data is held by an airline, it can be stolen by hackers if they are able to break into the airline’s systems. If they get your data, you can become vulnerable to scams and even identity theft. So the best way to prevent that is to get your data deleted from the airline’s systems long before a hacker can get to it. <a href="https://right.ly/rightly-protect/">Rightly Protect</a> is our product that can help you find out which companies have your data and then get it deleted from those that don’t need it any more, quickly and for free.

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