Privacy Policy

We believe in protecting the personal information that you provide us with.

We recognise our responsibility to treat your personal information with care and to comply with all relevant legislation, in particular the Data Protection Act 2018 and the EU General Data Protection Regulation (GDPR). – the legislation

This notice covers our requirement to provide you with information on how and why we use your personal data and of your rights under the legislation

Data Controller?

For the purposes of the legislation the Coversure office which provided you with a quotation and/or administers your insurance policy is the main "data controller". Joint controllers are the franchisor Coversure Insurance Services Ltd and Datamatters Ltd which is an IT company wholly owned by the Coversure group. Collectively these firms will process your personal data for the purposes set out below. The contact details for all three are shown at the foot of this notice.

As explained later, your data may be passed to other parties, including Insurers, for the purposes of arranging your insurance. These parties could also be data controllers and where necessary will issue their own Data Protection Privacy Notices and/or make them available via their web sites.

Personal Information

We will use personal information about you mainly to:-

  • Provide you with a quotation from Insurers
  • Arrange and administer your policy if you buy one through us
  • Arrange Premium Finance/Consumer credit if required
  • Inform you about our products and services
  • Statistical analysis

Some of the personal information we ask you to provide may be sensitive (special category) as defined in the legislation. For example you may have to give us information about medical history, criminal convictions or driving offences. We are allowed by the legislation to collect such information for insurance purposes without specific consent but it will only be used for the purposes set out above.

If you give us information about another person, in doing so you confirm that they have given you permission to provide it to us and that we may use their personal data in the same way as your own as set out in this notice.

Legal Basis for processing your Personal Information

We are required to have a lawful basis (as defined in the legislation) in order to process your personal data and the relevant bases which we use are show in the table below.

Purpose of processing Lawful Basis
Providing quotations; arranging and administering insurance policies Necessary for the performance of an insurance contract
Arranging Premium Finance/ Consumer Credit Necessary for the performance of a consumer credit contract
Provision of information on products and services (Marketing) Our legitimate interests or your explicit consent
To notify you of changes in our service Our Legal and Regulatory obligations
To prevent and detect fraud, money laundering and other financial crimes Our Legal and Regulatory obligations
To meet general legal or regulatory obligations Our Legal and Regulatory obligations
Statistical analysis Our legitimate interests – to refine and enhance the products and pricing which we can offer

Marketing?

We may contact you by email, text, telephone, mail or other agreed means to keep you up to date about our products and services and those of other companies that might be of interest to you.

The legislation allows us to do this in our own commercial interests for certain communications with previous customers. In other circumstances we can only do so with your explicit consent. In all cases you can opt out from receiving such communications at any time.

Disclosure of your Personal Information

As a necessary part of providing you with the services described above or in our own legitimate interests we may need to disclose your personal data to other third parties. These include:-

  • Coversure Group companies
  • Coversure Claimsline (our claims management agent)
  • Premium Finance companies
  • Computer bureaux/Software Houses
  • Insurers
  • Other Insurance Intermediaries
  • Insurance Industry databases
  • Government databases
  • Credit agencies
  • Regulatory authorities
  • The Police and other law enforcement bodies

Automated decision making and Profiling

For our on-line Quote & Buy systems we carry out automated decision making to decide whether we can provide insurance to you and at what price.

For all our quotation systems we may use external data from Credit agencies, Electoral Roll, etc. to help in decision-making on pricing and risk acceptance. This may be regarded as "profiling" as defined in the legislation.

The legislation for both of these requires safeguards in the event that they have a legal or similarly significant effect on individuals. We do not consider that our processing poses such risks but you have rights to further information on these processes as explained below.

Retention Period

Your data will not be retained for longer than is necessary and will be managed in accordance with our data retention policy. In most cases the period will be for a maximum of 7 years following the expiry of an insurance contract unless we are required to retain the data for a longer period due to business, legal or regulatory requirements.

International transfers of data

We may transfer your personal data to destinations outside the European Economic Area (EEA). Where we do we will ensure that it is treated securely and in accordance with the Legislation.

Your Rights

Under the legislation you have the following rights in relation to our processing of your personal data:-

  1. The right to be informed about how we use your personal data (This Privacy Notice).
  2. The right to see a copy of the personal information we hold about you. (In most cases this will be free of charge)
  3. The right to have personal information rectified if inaccurate or incomplete.
  4. The right of erasure of your personal information where there is no compelling reason for its continued processing.
  5. The right to restrict processing in certain circumstances e.g. if its accuracy is being contested.
  6. The right to data portability which, subject to certain conditions, allows you to obtain and reuse your personal data across different services.
  7. The right to object to certain processing including for the purposes of direct marketing.
  8. Rights to information in relation to automated decision making and profiling.

Complaints

If you have a complaint about how we use your personal information please contact us at the address below. You also have the right to lodge a complaint with the Information Commissioner's office at any time.

Contact Us

For further information on this Privacy Notice, to access your personal information or to exercise any of your other rights, please contact your Coversure office or write to The Directors, Coversure Insurance Services (Macclesfield), Coversure House, 10 Hibel Road, Macclesfield, Cheshire SK10 2AB.