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 1st February 2022

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 Limited (Company No. 05119027). Registered Office 21 Lodge Lane, Grays, Essex. RM17 5RY Trading Address 43 Orsett Heath Crescent, Grays, Essex. RM16 4UZ 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:

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 of 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 with 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.

Usage Data

Usage Data is collected automatically when using the service.

Usage Data may include information such as your device's internet protocol address (e.g. IP address), browser type, browser version, the pages of our service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.

When you access the service by or through a mobile device, we may collect certain information automatically, including, but not limited to, the type of mobile device you use, your mobile device unique ID, the IP address of your mobile device, your mobile operating system, the type of mobile Internet browser you use, unique device identifiers and other diagnostic data.

We may also collect information that your browser sends whenever you visit our service or when you access the service by or through a mobile device.

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 this and other 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.

Information from Third-Party Social Media Services

The company allows you to create an account and log in to use the service through the following third-party social media services:

  • Google
  • Facebook
  • Twitter

If you decide to register through or otherwise grant us access to a third-party social media service, we may collect personal data that is already associated with your third-party social media service's account, such as your name, your email address, your activities or your contact list associated with that account.

You may also have the option of sharing additional information with the company through your third-party social media service's account. If you choose to provide such information and personal data, during registration or otherwise, you are giving the company permission to use, share, and store it in a manner consistent with this privacy policy.

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 will collect your Driving Licence Number (DLN) as part of your application for motor insurance as we will not be able to insure you without this information. 

The number is used to automatically check the licence details with the DVLA My Licence database, and to retrieve the required information. The information retrieved is:

  • Type of licence held
  • Length of time the licence has been held for
  • Entitlements to drive
  • Penalty points
  • Convictions
  • Conviction dates
  • Disqualifications
  • Date of birth
  • Postcode

The data provided by the DVLA My Licence database, may be used alongside other information you have provided:

  • To calculate a motor insurance quote
  • To administer the policy
  • For anti-fraud purposes

This information will not be used for any other purpose.

For details relating to information held about you by the Driver and Vehicle Licensing Agency ("DVLA") please visit www.dvla.gov.uk.

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.

The service providers we use may have access to your personal data. These third-party vendors collect, store, use, process and transfer information about your activity on our service in accordance with their privacy policies.

Analytics

We may use third-party service providers to monitor and analyze the use of our service.

Google Analytics

Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our service. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network.

You can opt-out of having made your activity on the service available to Google Analytics by installing the Google Analytics opt-out browser add-on. The add-on prevents the Google Analytics JavaScript (ga.js, analytics.js and dc.js) from sharing information with Google Analytics about visits activity.

For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page: https://policies.google.com/privacy

Email Marketing

We may use your personal data to contact you with newsletters, marketing or promotional materials and other information that may be of interest to you. You may opt-out of receiving any, or all, of these communications from us by following the unsubscribe link or instructions provided in any email we send or by contacting Us.

We may use Email Marketing Service Providers to manage and send emails to you.

twilio

Their Privacy Policy can be viewed at https://www.twilio.com/legal/privacy

Payments

We may provide paid products and/or services within the service. In that case, we may use third-party services for payment processing (e.g. payment processors).

We will not store or collect your payment card details. That information is provided directly to our third-party payment processors whose use of your personal information is governed by their Privacy Policy. These payment processors adhere to the standards set by PCI-DSS as managed by the PCI Security Standards Council, which is a joint effort of brands like Visa, Mastercard, American Express and Discover. PCI-DSS requirements help ensure the secure handling of payment information.

Sage Pay

Their Privacy Policy can be viewed at https://www.sagepay.co.uk/policies

Behavioral Remarketing

The Company uses remarketing services to advertise to you after you accessed or visited our Service. We and our third-party vendors use cookies and non-cookie technologies to help us recognize your device and understand how you use our service so that we can improve our service to reflect your interests and serve you advertisements that are likely to be of more interest to you.

These third-party vendors collect, store, use, process and transfer information about your activity on our service in accordance with their Privacy Policies and to enable us to:

  • Measure and analyse traffic and browsing activity on our service
  • Show advertisements for our products and/or services to you on third-party websites or apps
  • Measure and analyse the performance of our advertising campaigns

Some of these third-party vendors may use non-cookie technologies that may not be impacted by browser settings that block cookies. Your browser may not permit you to block such technologies. You can use the following third-party tools to decline the collection and use of information for the purpose of serving You interest-based advertising:

You may opt-out of all personalised advertising by enabling privacy features on your mobile device such as Limit Ad Tracking (iOS) and Opt Out of Ads Personalisation (Android). See your mobile device Help system for more information.

We may share information, such as hashed email addresses (if available) or other online identifiers collected on our service with these third-party vendors. This allows our third-party vendors to recognise and deliver you ads across devices and browsers. To read more about the technologies used by these third-party vendors and their cross-device capabilities please refer to the Privacy Policy of each vendor listed below.

The third-party vendors We use are:

Google Ads (AdWords)

Google Ads (AdWords) remarketing service is provided by Google Inc.

You can opt-out of Google Analytics for Display Advertising and customise the Google Display Network ads by visiting the Google Ads Settings page: http://www.google.com/settings/ads

Google also recommends installing the Google Analytics Opt-out Browser Add-on - https://tools.google.com/dlpage/gaoptout - for your web browser. Google Analytics Opt-out Browser Add-on provides visitors with the ability to prevent their data from being collected and used by Google Analytics.

For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page: https://policies.google.com/privacy

Bing Ads Remarketing

Bing Ads remarketing service is provided by Microsoft Inc.

You can opt-out of Bing Ads interest-based ads by following their instructions: https://advertise.bingads.microsoft.com/en-us/resources/policies/personalized-ads

You can learn more about the privacy practices and policies of Microsoft by visiting their Privacy Policy page: https://privacy.microsoft.com/en-us/PrivacyStatement

Twitter

Twitter remarketing service is provided by Twitter Inc.

You can opt-out from Twitter's interest-based ads by following their instructions: https://support.twitter.com/articles/20170405

You can learn more about the privacy practices and policies of Twitter by visiting their Privacy Policy page: https://twitter.com/privacy

Facebook

Facebook remarketing service is provided by Facebook Inc.

You can learn more about interest-based advertising from Facebook by visiting this page: https://www.facebook.com/help/516147308587266

To opt-out from Facebook's interest-based ads, follow these instructions from Facebook: https://www.facebook.com/help/568137493302217

Facebook adheres to the Self-Regulatory Principles for Online Behavioural Advertising established by the Digital Advertising Alliance. You can also opt-out from Facebook and other participating companies through the Digital Advertising Alliance in the USA http://www.aboutads.info/choices/, the Digital Advertising Alliance of Canada in Canada http://youradchoices.ca/ or the European Interactive Digital Advertising Alliance in Europe http://www.youronlinechoices.eu/, or opt-out using your mobile device settings.

For more information on the privacy practices of Facebook, please visit Facebook's Data Policy: https://www.facebook.com/privacy/explanation

Pinterest

Pinterest remarketing service is provided by Pinterest Inc.

You can opt-out from Pinterest's interest-based ads by enabling the "Do Not Track" functionality of your web browser or by following Pinterest instructions: http://help.pinterest.com/en/articles/personalisation-and-data

You can learn more about the privacy practices and policies of Pinterest by visiting their Privacy Policy page: https://about.pinterest.com/en/privacy-policy

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.

Facebook Fan Page 

Data Controller for the Facebook Fan Page

The Company is the Data Controller of your personal data collected while using the service. As the operator of the Facebook Fan Page https://www.facebook.com/CoveredLearnerDriverInsurance, the company and the operator of the social network Facebook are joint controllers.

The company has entered into agreements with Facebook that define the terms for use of the Facebook Fan Page, among other things. These terms are mostly based on the Facebook Terms of Service: https://www.facebook.com/terms.php

Visit the Facebook Privacy Policy https://www.facebook.com/policy.php for more information about how Facebook manages personal data or contact Facebook online, or by mail: Facebook, Inc. ATTN, Privacy Operations, 1601 Willow Road, Menlo Park, CA 94025, United States.

Facebook Insights

We use the Facebook Insights function in connection with the operation of the Facebook Fan Page and on the basis of the GDPR, in order to obtain anonymized statistical data about our users.

For this purpose, Facebook places a cookie on the device of the user visiting our Facebook Fan Page. Each cookie contains a unique identifier code and remains active for a period of two years, except when it is deleted before the end of this period.

Facebook receives, records and processes the information stored in the cookie, especially when the user visits the Facebook services, services that are provided by other members of the Facebook Fan Page and services by other companies that use Facebook services.

For more information on the privacy practices of Facebook, please visit Facebook Privacy Policy here: https://www.facebook.com/privacy/explanation

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

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.

Tracking Technologies and Cookies

We use cookies and similar tracking technologies to track the activity on our service and store certain information. Tracking technologies used are beacons, tags, and scripts to collect and track information and to improve and analyze Our Service. The technologies We use may include:

  • Cookies or Browser Cookies. A cookie is a small file placed on your device. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, You may not be able to use some parts of our service. Unless you have adjusted your browser setting so that it will refuse cookies, our service may use cookies.
  • Web Beacons. Certain sections of our service and our emails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the company, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of a certain section and verifying system and server integrity).

Cookies can be "Persistent" or "Session" Cookies. Persistent Cookies remain on your personal computer or mobile device when you go offline, while Session Cookies are deleted as soon as you close Your web browser. Learn more about cookies: Cookies by PrivacyPolicies Generator.

We use both Session and Persistent Cookies for the purposes set out below:

Necessary / Essential Cookies

Type: Session Cookies

Administered by: Us

Purpose: These cookies are essential to provide you with services available through the website and to enable you to use some of its features. They help to authenticate users and prevent fraudulent use of user accounts. Without these cookies, the services that you have asked for cannot be provided, and we only use these cookies to provide you with those services.

Cookies Policy / Notice Acceptance Cookies

Type: Persistent Cookies

Administered by: Us

Purpose: These cookies identify if users have accepted the use of cookies on the website.

Functionality Cookies

Type: Persistent Cookies

Administered by: Us

Purpose: These Cookies allow us to remember choices you make when you use the website, such as remembering your login details or language preference. The purpose of these cookies is to provide you with a more personal experience and to avoid you having to re-enter your preferences every time you use the website.

Tracking and Performance Cookies

Type: Persistent Cookies

Administered by: Third-Parties

Purpose: These cookies are used to track information about traffic to the website and how users use the website. The information gathered via these cookies may directly or indirectly identify you as an individual visitor. This is because the information collected is typically linked to a pseudonymous identifier associated with the device you use to access the website. We may also use these cookies to test new pages, features or new functionality of the website to see how our users react to them.

For more information about the cookies we use and your choices regarding cookies, please visit our Cookies Policy or the cookies section of our Privacy Policy.

Children's Privacy

Our Service does not address anyone under the age of 13. We do not knowingly collect personally identifiable information from anyone under the age of 13. If You are a parent or guardian and You are aware that Your child has provided Us with Personal Data, please contact Us. If We become aware that We have collected Personal Data from anyone under the age of 13 without verification of parental consent, We take steps to remove that information from Our servers.

If We need to rely on consent as a legal basis for processing Your information and Your country requires consent from a parent, We may require Your parent's consent before We collect and use that information.

Links

Whereweprovide 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.




Document Privacy Notice

Version 1

Date 01/022022

On Demand.

If you're not going to drive everyday this policy was designed for you. It's the first On Demand Learner Driver Insurance.

 

Everyday Learner.

If you're a learner driver who could be driving everyday, or most days, our Everyday Learner policy is designed for you.

 

Owner.

If you're a learner that's lucky enough to own your car that's registered in your name, this policy was designed for you.