Privacy Policy

1. Introduction

SpeedySure ("we", "us", or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you use our motor insurance services. We are registered with the Information Commissioner's Office (ICO) and comply with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

2. Information We Collect

We collect the following types of personal information:

• Identity Data: Name, date of birth, gender, driving licence number
• Contact Data: Address, email address, phone number
• Vehicle Data: Registration number, make, model, year, color, engine size
• Driving History: Claims history, convictions, no-claims bonus, driving experience
• Financial Data: Payment card details, bank account information, premium amounts
• Technical Data: IP address, browser type, device information, usage data
• Policy Data: Coverage type, policy duration, insurance preferences
• Claims Data: Incident details, photos, documentation related to claims

3. How We Collect Information

We collect information through:

• Direct interactions when you request quotes, purchase policies, or contact us
• Automated technologies including cookies and analytics tools
• Third-party sources such as DVLA vehicle databases, credit reference agencies, and fraud prevention databases
• Publicly available sources such as the electoral roll

4. How We Use Your Information

We use your personal information for the following purposes:

• To provide insurance services: Calculating quotes, underwriting policies, managing your account
• To process claims: Investigating and settling insurance claims
• To prevent fraud: Verifying your identity and detecting fraudulent activity
• To comply with legal obligations: Meeting regulatory requirements and responding to legal requests
• To improve our services: Analyzing usage patterns and customer feedback
• To communicate with you: Sending policy documents, renewal notices, and customer service messages
• For marketing: Sending promotional materials (with your consent)

5. Legal Basis for Processing

We process your personal data under the following legal bases:

• Contractual necessity: To fulfill our insurance contract with you
• Legal obligation: To comply with insurance regulations and anti-fraud requirements
• Legitimate interests: To improve our services and prevent fraud
• Consent: For marketing communications (you can withdraw consent at any time)

6. Sharing Your Information

We may share your personal information with:

• Insurance underwriters: To assess risk and provide coverage
• Claims handlers: To process and settle claims
• Fraud prevention agencies: To detect and prevent fraud (including the Insurance Fraud Bureau)
• Credit reference agencies: To verify your identity and assess creditworthiness
• Regulatory authorities: When required by law (including the FCA and police)
• Service providers: Who help us operate our business (e.g., IT providers, payment processors)
• Legal and professional advisors: For legal compliance and advice

We do not sell your personal data to third parties.

7. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required by law. Generally, we retain policy and claims data for 7 years after the policy expires, in line with insurance industry standards and legal requirements. Marketing data is retained until you withdraw consent.

8. Your Rights

Under UK GDPR, you have the following rights:

• Right to access: Request a copy of the personal data we hold about you
• Right to rectification: Correct inaccurate or incomplete data
• Right to erasure: Request deletion of your data (subject to legal obligations)
• Right to restrict processing: Limit how we use your data
• Right to data portability: Receive your data in a structured, machine-readable format
• Right to object: Object to processing based on legitimate interests or for marketing
• Right to withdraw consent: Withdraw consent for marketing or other consent-based processing

To exercise these rights, contact us at privacy@speedysure.co.uk or call 0800 051 0154.

9. Data Security

We implement appropriate technical and organizational measures to protect your personal data against unauthorized access, loss, or misuse. This includes encryption, secure servers, access controls, and regular security assessments. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

10. Cookies and Tracking

We use cookies and similar technologies to enhance your experience, analyze site usage, and deliver personalized content. You can control cookie preferences through your browser settings. Essential cookies are necessary for the website to function, while analytics and marketing cookies require your consent.

11. International Transfers

Your personal data is primarily stored and processed within the UK. If we transfer data outside the UK, we ensure appropriate safeguards are in place, such as standard contractual clauses approved by the ICO.

12. Children's Privacy

Our services are not intended for individuals under 17 years of age. We do not knowingly collect personal information from children. If you believe we have collected data from a child, please contact us immediately.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of significant changes by posting the updated policy on our website with a new "Last updated" date. Your continued use of our services constitutes acceptance of the updated policy.

14. Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please contact us:
Phone: 0800 051 0154
Website: https://u-k-insurance.co.uk
Address: U K INSURANCE LIMITED, The Wharf, Neville Street, Leeds, LS1 4AZ

16. Underwriter Information

SpeedySure policies are underwritten by U K INSURANCE LIMITED, registered in England and Wales (Company Number: 01179980). Registered Office: The Wharf, Neville Street, Leeds, LS1 4AZ. U K Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. FCA Registration Number: 202810.

15. Complaints

If you are not satisfied with how we handle your personal data, you have the right to lodge a complaint with the Information Commissioner's Office (ICO):
Website: www.ico.org.uk
Phone: 0303 123 1113
Address: Information Commissioner's Office, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF