WE CAN INSURE YOU


WHILE YOU LEARN TO DRIVE

Privacy Notice

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 24th 15 May 2018.

In accordance with the General Data Protection Regulation and related UK data protection legislation, Covered Insurance Services 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
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 Covered Insurance Services Limited ( Company No. 05119027 ). Registered Office 21 LODGE LANE, GRAYS ESSEX. RM17 5RY is an appointed representative of 3XD Limited who are authorised and regulated by the Financial Conduct Authority registration number 469379.

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:

The Data Protection Officer
Covered Insurance
PO BOX 502
Grays
RM179JU
Tel: 0345 519 4960
Email: sales@coveredinsurance.com
Website: www.coveredinsurance.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.

To remind you about insurance quotes you have not taken up.

Should you partially complete a quote or policy application on our website, but choose to exit without proceeding to purchase, or if you experience a system failure, we will retain your email details. This is to allow us to contact you advising that your purchase was not finalised and the details submitted by you were not saved. We will provide you a link to return to our system to complete the application. Once this email is sent we do not retain this information.

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 your name, details of the car you will be driving, your address, the type of driving licence you hold, contact details, date of birth, gender, marital status, and other personal details depending on the nature of the insurance and other services we offer.

We collect and retain your Internet Protocol (IP) address - this is a string of numbers unique to your computer.

The information that is collected via the website includes any personal details you knowingly provide through forms and email, such as name, address, telephone number and any other information necessary to provide insurance coverage.

We may collect, use and store sensitive personal information, such as criminal convictions, financial details and employment details as necessary in relation to insurances such as household and personal protection insurance. 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.

Profiling and automated decision-making
We rely on automated decision-making, including profiling, to assess whether we're able to provide you with insurance quotes, and cover. The automated decision-making will be based on factors that are relevant for us to determine the insurance risk, such as the type of car you will be driving, your address and the type of driving licence you hold and address of the car owner if it's not you. This means that our systems could decide without human intervention that you don't meet the requirements to get an insurance policy with us. We do carry out regular checks to make sure that our systems are working as intended.

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 our administrators who process your business, payment services providers, IT hosting providers, our FCA principal, 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.

All payment transactions are handled through Sage Pay. For more information on Sage Pay policy please refer http://www.sagepay.com/terms_conditions.

The only information that is retained from your card is the transaction date and whether the transaction was successful or not. The type of card, number, expiry date and security code (the three digit number on the back of the card) is not retained

For motor insurance our administrator will 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:

The Data Protection Officer
Covered Insurance
PO BOX 502
Grays
RM179JU
Tel: 0345 519 4960
Email: sales@coveredinsurance.com
Website: www.coveredinsurance.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:

The Data Protection Officer
Covered Insurance
PO BOX 502
Grays
RM179JU
Tel: 0345 519 4960

Email: sales@coveredinsurance.com
Website: www.coveredinsurance.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:

The Data Protection Officer
Covered Insurance
PO BOX 502
Grays
RM179JU
Tel: 0345 519 4960
Email: sales@coveredinsurance.com
Website: www.coveredinsurance.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 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.

Our Cookie Policy
Cookies are text files containing small amounts of information which are downloaded to your device when you visit a website. Cookies are then sent back to the originating website on each subsequent visit, or to another website that recognises that cookie.

Cookies do lots of different jobs, like letting you navigate between pages efficiently while remembering your preferences, and generally improve your website experience.

We can split cookies into 4 main categories:

Category 1 - Strictly necessary cookies
These cookies are essential in order to enable you to move around the website and use its features, such as accessing secure areas of the website.

* By using our website and online services, you agree that we can place these types of cookies on your device.

Category 2 - Performance cookies
These cookies collect information about how visitors use a website, for instance which pages visitors go to most often, and if they get error messages from web pages. These cookies don't collect information that identifies a visitor. All information these cookies collect is aggregated and therefore anonymous. It is only used to improve how a website works.

We also use Google Analytics to analyse the use of this website. Google Analytics generates statistical and other information about website use by means of cookies, which are stored on users' computers. The information generated relating to our website is used to create reports about the use of the website. Google will store and use this information. Google's privacy policy is available at: http://www.google.com/privacypolicy.html.

* By using our website and online services, you agree that we can place these types of cookies on your device.

Category 3 - Functionality cookies
These cookies allow the website to remember choices and provide enhanced, more personal features. The information these cookies collect may be anonymous and they cannot track your browsing activity on other websites.

* By using our website and online services, you agree that we can place these types of cookies on your device.

Category 4 - Targeting cookies or advertising cookies
We do not use these cookies.

You can find more information about cookies by visiting www.allaboutcookies.org.

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.

Frequently asked questions

Want to know more about our flexible insurance solution for learner drivers? We'll tell you everything about it right here.