Covered Insurance Privacy Policy

We may amend this Privacy Notice from time to time to keep it up to date or to comply with legal requirements. This Privacy Notice was last updated on 01/08/2023.

In accordance with the General Data Protection Regulation and related UK data protection legislation, Covered Insurance Services Ltd is committed to protecting the confidentiality and security of the personal information that you provide to us.

This Privacy Notice is designed to help you understand how we collect and use your personal information.

We may collect personal information from you about other people, such as family members who may be included on an insurance policy. If you give us personal information about another person it is your responsibility to ensure and confirm that:

• you have told the individual who we are and how we use personal information, as set out in this Privacy Notice; and
• you have permission from the individual to provide that personal information to us and for us to use it, as set out in this Privacy Notice.

If you have any questions or queries about this Privacy Notice please contact us.

Who we are

FlyCovered, Covered Learner Driver, Covered On-Demand, Covered Owner and National Learner Driver Insurance are trading names of Covered Insurance Services Limited (also referred to in this Notice as “we”, “us”, or “our”). Covered Insurance Services Limited (Company No. 05119027). Registered Office 21 Lodge Lane, Grays, Essex. RM17 5RY Trading Address PO Box 581, Grays , RM17 9QU is authorised and regulated by the Financial Conduct Authority. Firm Reference Number 955748.

How to contact us

For any questions or concerns relating to this Privacy Notice or our data protection practices, or to make a subject access or any other request regarding the information we hold, please contact us at:

Compliance Officer

Covered Insurance Services Limited

Covered Insurance 

PO Box 581

Grays 

RM17 9QU

Email: info@flycovered.com

Email: motor@coverinsurance.com

Why we need and how we use your personal information

We only collect, use and store your personal information where we have lawful grounds and legitimate business reasons to do so.

We collect, use and store your personal information in order to fulfil requests for quotations, products and services as part our insurance broking, claims handling and risk management business. It may also be used to verify your identity, to administer payments and to enable us to carry out anti-money laundering and other financial crime checks where required.

The use of your personal information is essential for us to check your identity, to enable you to enter into an insurance contract and for the insurance to operate (in the event of a claim, for example). We may also use it to keep our records up to date, to notify you about changes to our service and to help us in developing new products and services.

If you do not provide the information required we are unlikely to be able to arrange your insurance and may not be able to provide certain services to you.

We may monitor calls, emails, text messages and other communications with you. When you contact us we may keep a record of that correspondence and any personal information provided to us during that or any subsequent communication.

Marketing

We would like to keep you updated about our relevant products and services by email, SMS and/or telephone. If we intend to use your data for such purposes, or if we intend to disclose your personal information to any third party for such purposes, we will only do so with your consent. Your consent will be obtained specifically at the appropriate time. If you have already consented and wish us to stop using your personal information for this purpose, or any other purpose, then please contact us.

See “Sharing Information” below.

Nature of personal information

Personal information is any data that may identify a living individual.

We collect personal information such as name, contact details, date of birth, gender, marital status, financial details, employment details and other personal details depending on the nature of the insurance and other services we offer.

We may collect, use and store sensitive personal information, such as criminal convictions, as necessary in relation to insurances. This information may be shared with insurers, insurance product providers and our third party service providers. Where necessary, we shall obtain your consent to the processing of such information.

Sharing information

We will only supply your personal information to other parties where such a transfer is a necessary part of the activities that we undertake, where you give us consent or where we are required to do so by law or regulation (e.g. where the disclosure is necessary for the purposes of the prevention and/or detection of crime).

As an intermediary we must disclose personal information to insurance companies, underwriting agencies, business partners and other parties in order to provide our products and services and to enable you to enter into insurance contracts. Examples of other parties include other insurance intermediaries, loss adjusters, regulatory bodies and legal and accountancy firms involved in the claims handling process. We may also share your personal information with fraud prevention agencies, such as the Claims and Underwriting Exchange Register and Motor Insurance Anti-Fraud and Theft Register. We may pass information relating to your insurance policy and any incident to the operators of these registers, their agents and suppliers.

For motor insurance we share it with the Motor Insurance Database (MID), which may be used to establish whether a driver is insured to drive a vehicle and/or for preventing or detecting crime. If you are involved in an accident in the UK or abroad, the MID may be searched to obtain relevant policy information. You can find out more at mib.org.uk. We may also disclose your personal information to service providers engaged to perform services on our behalf. Such service providers are contractually restricted from using or disclosing the personal information we give them except as necessary to perform services on our behalf or to comply with legal requirements.

We only share your personal information if we are satisfied that our partners or suppliers have sufficient measures in place to protect your personal information in the same way that we do.

We may also disclose personal information to new owners of our business in the event that we are subject to a merger or acquisition. Disclosure may also be made to enable company audits, regulatory inspections or to investigate a complaint, suspicion of fraud or a security threat.

We never share your personal information outside our organisation for marketing purposes.

You understand that we may disclose the information you provide to relevant other parties for the purposes described in this Privacy Notice.

Transfer of personal data outside the UK

Certain personal information held on our Information Technology systems may be transferred across geographical borders in accordance with applicable law. By providing us with your personal information, you consent to the collection, international transfer, storage, and processing of your personal information. These transfers are governed by European Union (EU) standard contractual clauses or equivalent data transfer agreements to protect the security and confidentiality of personal information.

Our insurers may disclose your personal information to destinations outside the European Economic Area (‘EEA’). Where your personal information is transferred outside of the EEA, our insurers will ensure that it is treated securely and in accordance with the Legislation.

How long we keep information about you

We will keep your personal information for as long as it is required to enable us to provide quotations, administer your insurances, offer renewals and respond to any claims or complaints (which may arise after the period of insurance has expired). This will usually be a minimum period of seven years or otherwise as determined by law or regulation. Once we decide that we no longer need your personal information it will be securely and confidentially destroyed.

Your data protection rights

You have certain legal rights under UK data protection law and regulations, summarised as follows:

• The right to be informed about our data processing activities, including through Privacy Notices such as this.
• The right of access to the personal information we hold about you. To request a copy of this information you must make a subject access request in writing to us.
• The right of rectification . You may ask us to correct any inaccurate or incomplete personal information within one month.
• The right to erasure and to restrict processing . You have the right to have your personal information erased and to prevent processing except where we have a legal obligation to process your personal information. You should bear in mind that by exercising this right you may hinder or prevent our ability to provide products and services.
• The right to data portability . On your request, we will provide you with your personal information in a structured format.
• The right to object . You have particular rights in relation to automated decision making and profiling to reduce the risk that a potentially damaging decision is taken without human intervention. You can object to your personal information being used for profiling, direct marketing or research purposes.

If you want to invoke any of these rights please write to us:

Covered Insurance Services Limited

Covered Insurance 

PO Box 581

Grays 

RM17 9QU

Email: info@flycovered.com

Email: motor@coverinsurance.com

Withdrawal of consent

Where you have provided your specific consent to the use of personal information, you may withdraw that consent by contacting us:

Compliance Officer

Covered Insurance Services Limited

Covered Insurance 

PO Box 581

Grays 

RM17 9QU

Email: info@flycovered.com

Email: motor@coverinsurance.com

How to make a complaint

If you wish to make a complaint about how we hold or use your personal information, please contact us:

Covered Insurance Services Limited

Covered Insurance 

PO Box 581

Grays 

RM17 9QU

Email: info@flycovered.com

Email: motor@coverinsurance.com

If you are dissatisfied with how we deal with your complaint, you may contact the Information Commissioner’s Office:

Information Commissioner’s Office

Wycliffe House

Water Lane

Wilmslow

Cheshire

SK9 5AF

Tel: 0303 123 1113

Website: ico.org.uk

Information from other sources

Some personal information may be provided to us by third parties, such as insurance companies, other insurance intermediaries and motor vehicle licensing authorities. In some cases you will have previously submitted your personal information to them and given them approval to pass this information on for certain purposes.

Such information will only be obtained from reputable sources, which operate in accordance with the General Data Protection Regulation.

See “Sharing Information” above.

We and/or other parties may use your personal information for purposes such as statistical and trend research and analysis that may include computerised processes which profile you. Automatic profiling helps us understand, predict and forecast customer preferences and to improve the products and services we offer and to assess which products might be most suitable for you.

Cookies

In certain situations, we may use cookies to recognise you as a site user and to personalise your visit. You can set up your web browser to reject cookies but if you do so, you may be unable to enjoy full site functionality.

Links

Where we provide a link to other websites, those websites will each have their own Privacy Notice. Therefore when you use a link please read the Privacy Notice on the website you have selected.

 Privacy Policy V2 01/08/2023