Privacy Policy

1. Introduction

SpeedySure and U K INSURANCE LIMITED ("we," "us," "our") are committed to protecting your privacy and personal data. This Privacy Policy explains how we collect, use, store, and protect your information when you use our website and services. SpeedySure is operated by SpeedySure Insurance Ltd, and all insurance policies are underwritten by U K INSURANCE LIMITED.

U K Insurance Limited is registered with the Information Commissioner's Office (ICO) under registration number Z5881698. We comply with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

2. Information We Collect

Personal Information

When you use our services, we collect:

• Name, address, date of birth, and contact details
• Driving licence number and driving history
• Vehicle registration and details
• Claims history and insurance details
• Payment information (processed securely by our payment providers)
• Employment status and occupation

Technical Information

We automatically collect:

• IP address and browser type
• Device information and operating system
• Pages visited and time spent on our website
• Referring website and search terms used
• Cookies and similar tracking technologies

3. How We Use Your Information

We use your personal data for the following purposes:

Providing Insurance Services

• Generating insurance quotes and assessing risk
• Issuing and administering insurance policies
• Processing premium payments
• Handling claims and investigations
• Communicating with you about your policy

Legal and Regulatory Compliance

• Complying with legal obligations and regulatory requirements
• Preventing and detecting fraud
• Verifying your identity
• Maintaining records for audit purposes

Business Operations

• Improving our website and services
• Analyzing customer behavior and preferences
• Conducting market research
• Sending service updates and policy renewals

Marketing (with your consent)

• Sending promotional offers and product information
• Providing personalized recommendations

4. Legal Basis for Processing

We process your personal data based on:

• Contract Performance: Processing necessary to provide insurance services you've requested
• Legal Obligation: Compliance with insurance regulations, anti-money laundering laws, and fraud prevention
• Legitimate Interests: Improving our services, preventing fraud, and business analytics
• Consent: Marketing communications (you can withdraw consent at any time)

5. Sharing Your Information

We may share your personal data with:

Insurance Industry Partners

• Insurers and reinsurers who underwrite policies
• Insurance brokers and intermediaries
• Claims handlers and loss adjusters
• Motor Insurers' Bureau (MIB) and Motor Insurance Database (MID)

Service Providers

• Payment processors
• IT and cloud hosting providers
• Customer service platforms
• Email and communication services

Fraud Prevention and Law Enforcement

• Fraud prevention agencies (e.g., CIFAS, DVLA)
• Credit reference agencies
• Police and law enforcement agencies
• Regulatory authorities (FCA, ICO)

We ensure all third parties are contractually obligated to protect your data and use it only for specified purposes.

6. International Data Transfers

Your data is primarily stored and processed within the United Kingdom. If we transfer data outside the UK, we ensure adequate safeguards are in place, such as:

• Standard Contractual Clauses approved by the ICO
• Transfers to countries with adequacy decisions
• Binding Corporate Rules

7. Data Retention

We retain your personal data for as long as necessary to fulfill the purposes outlined in this policy and to comply with legal obligations:

• Policy Data: 7 years after policy expiry (regulatory requirement)
• Claims Data: 7 years after claim settlement
• Quote Data: 12 months if no policy is purchased
• Marketing Data: Until you withdraw consent or 3 years of inactivity

8. Your Rights

Under UK GDPR, you have the following rights:

• Right of Access: Request a copy of your personal data
• 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 format
• Right to Object: Object to processing based on legitimate interests or for marketing
• Right to Withdraw Consent: Withdraw consent for marketing at any time

To exercise any of these rights, please contact us at [email protected] or the Data Protection Officer at the address below.

9. Cookies and Tracking

We use cookies and similar technologies to enhance your experience on our website. Cookies help us remember your preferences, analyze website traffic, and deliver personalized content.

You can control cookie settings through your browser. However, disabling cookies may affect website functionality. For detailed information, please see our Cookie Policy.

10. Security Measures

We implement appropriate technical and organizational measures to protect your personal data against unauthorized access, loss, or misuse:

• Encryption of data in transit and at rest
• Regular security assessments and penetration testing
• Access controls and authentication protocols
• Employee training on data protection
• Incident response and breach notification procedures

11. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal data from children. If you believe we have collected data from a child, please contact us immediately.

12. Changes to This 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 via email or through a prominent notice on our website.

13. Contact Us

For questions about this Privacy Policy or to exercise your data protection rights, please contact:

If you are not satisfied with our response, you have the right to lodge a complaint with the Information Commissioner's Office (ICO) at ico.org.uk or by calling 0303 123 1113.