Privacy Policy
Your privacy matters to us. This policy explains what personal data we collect, why we collect it, and how we use and protect it.
1. Who We Are
Quik Insure Cover ("we", "us", "our") is the data controller responsible for your personal data. We are authorised and regulated by the Financial Conduct Authority (FCA) and comply fully with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.
Data Controller: Quik Insure Cover
Email: admin@quikinsurecover.co.uk
Address: Capital Office, 124 City Road, London, EC1V 2NX
2. Data We Collect
We collect the following categories of personal data when you use our services:
| Category | Examples | Source |
|---|---|---|
| Identity Data | Full name, date of birth | Provided by you |
| Contact Data | Email address, phone number, postal address | Provided by you |
| Vehicle Data | Registration number, make, model, year | Provided by you / DVLA lookup |
| Financial Data | Transaction reference, amount paid | Payment processor (PayPal) |
| Policy Data | Policy number, cover dates, claims history | Generated by us |
| Technical Data | IP address, browser type, device information | Automatically collected |
| Usage Data | Pages visited, time on site, click behaviour | Automatically collected |
We do not collect any special category data (e.g. health information, criminal convictions) unless strictly required by law and with your explicit consent.
3. How We Use Your Data
We use your personal data for the following purposes:
- To provide and administer your insurance policy – including generating your Certificate of Motor Insurance and sending policy documents
- To process payments – securely handling transactions through our payment partners
- To communicate with you – sending policy confirmations, renewal reminders, and support responses
- To verify your identity and eligibility – checking driving licence validity and underwriting criteria
- To comply with legal obligations – including FCA reporting, fraud prevention, and HMRC requirements
- To improve our services – analysing anonymised usage data to enhance the user experience
- To prevent fraud – sharing data with fraud prevention agencies where necessary
4. Lawful Basis for Processing
- Contract performance – processing your data is necessary to fulfil your insurance contract
- Legal obligation – we must retain certain records to comply with FCA, HMRC, and other regulatory requirements
- Legitimate interests – fraud prevention, network security, and service improvement
- Consent – for optional marketing communications (you may withdraw consent at any time)
5. Sharing Your Data
We may share your personal data with the following third parties:
- Insurance underwriters – who provide the underlying insurance cover
- Payment processors – PayPal and card payment providers for secure transaction handling
- DVLA – to verify vehicle registration details
- Fraud prevention agencies – including the Insurance Fraud Bureau (IFB)
- Legal and regulatory authorities – including the FCA, HMRC, and law enforcement where legally required
- IT service providers – who assist us in operating our website and systems under strict data processing agreements
We never sell your personal data to third parties for marketing purposes.
6. Data Retention
We retain your personal data for as long as necessary to fulfil the purposes for which it was collected:
- Policy records: 7 years from the policy end date (regulatory requirement)
- Claims records: Up to 10 years from the date of the claim
- Account data: For the duration of your account plus 3 years after closure
- Marketing preferences: Until you withdraw consent or 3 years of inactivity
7. Your Rights Under UK GDPR
You have the following rights regarding your personal data:
- Right of access – request a copy of the data we hold about you (Subject Access Request)
- Right to rectification – ask us to correct inaccurate or incomplete data
- Right to erasure – request deletion of your data where there is no compelling reason to retain it
- Right to restriction – ask us to limit how we use your data
- Right to portability – receive your data in a structured, machine-readable format
- Right to object – object to processing based on legitimate interests or for direct marketing
- Rights related to automated decision-making – not to be subject to solely automated decisions that significantly affect you
To exercise any of these rights, email admin@quikinsurecover.co.uk. We will respond within 30 days. You also have the right to lodge a complaint with the Information Commissioner's Office (ICO) at ico.org.uk.
8. Cookies
We use cookies and similar tracking technologies on our website. For full details, please read our Cookie Policy. You can manage your cookie preferences at any time through your browser settings.
9. International Data Transfers
Your data is primarily processed within the United Kingdom and European Economic Area (EEA). Where data is transferred outside the UK/EEA, we ensure appropriate safeguards are in place, such as Standard Contractual Clauses (SCCs) approved by the UK Information Commissioner.
10. Data Security
We implement appropriate technical and organisational security measures to protect your personal data against accidental loss, unauthorised access, disclosure, alteration, or destruction. These measures include:
- 256-bit SSL/TLS encryption for all data in transit
- Encrypted storage for sensitive personal data
- Access controls limiting data access to authorised personnel only
- Regular security audits and penetration testing
- Staff training on data protection best practices
11. Contact Us
If you have any questions about this Privacy Policy or how we handle your personal data, please contact our Data Protection Officer:
Email: admin@quikinsurecover.co.uk
Post: Data Protection Officer, Quik Insure Cover, Capital Office, 124 City Road, London, EC1V 2NX