This website is owned and operated by Cover Direct Ltd and is intended for use by consumers in the United Kingdom. We abide by the relevant rules of the General Data Protection Regulation (“GDPR”).
Our aim is to offer products that help you plan your financial future. To provide such products, we need to know about your personal situation and we may request sensitive and private information about you, for example, your income, current financial arrangements, health and family commitments.
If you are unable or unwilling to provide some or all of this information, we will be unable to provide you with some or all of our products. We do not collect personal information from third parties.
We will keep your personal information confidential and secure and only keep it for as long as is necessary. We will keep your personal information for 10 years, or if you take out a product through us, the length of the product plus 10 years. We will use it with care and it will only be shared in the ways explained in this leaflet, or if we are required to by Law or the Financial Conduct Authority (FCA).
In addition, we will make every effort to ensure that the information you provide is recorded accurately. In most circumstances, your data will only be processed within the UK or EEA. If for any reason we need to have your data processed elsewhere we will inform you of that, any privacy risks involved and what we have done to minimise those risks.
We use your information in a variety of ways:
• To introduce you to a range of products from the insurers we are associated with (or may be associated with in the future).
• To help with administration.
• To contact you with details of changes to products you have bought.
• For business analysis and research.
• To comply with the Law and/or our FCA’s requirements.
• To prevent fraud and money laundering, we may pass your details to other companies, public bodies including the police or to an insurer’s database. Insurance companies can search databases for any relevant information that exists about you.
We have a legitimate interest in processing your data because you have asked us to do so, and it is also necessary to allow us to fulfil our contractual obligations to you. If you ask us to apply for a product on your behalf, it is necessary for the performance of a contract to which you are a party as well as compliance with legal obligations to which we as the controller are subject.
We only need your consent to process information about your health. We will obtain that consent when you first provide us with that information. You can withdraw it at any time.
We will only send you marketing material about services other than those that we have previously provided, or discussed with you, with your consent. That consent can be withdrawn by you at any time.
All our digital data is stored and processed in the UK by LeadStream (UK) Ltd and off-site by them at a secure "server farm" also in the UK. It may also be shared with our parent company, Money Marketing Group Limited and LeadStream (UK) Ltd.
Much of the information you provide will be passed to the company whose products you as us to apply for on your behalf, and details of how they use your information are included in their data protection literature.
Were our business to be sold all your data would be transferred to the purchaser so that they could use it in the same way as we do now.
We collect information about your computer, including where available your IP address, operating system and browser type using a cookie filer. Cookies help us to improve our website and deliver a better and more personalised service to you. They enable us to personalise your experience on our website, speed up your searches and help us select services or materials for inclusion on the website which may be of interest to you. It also allows us to monitor general traffic patterns and usage of our website to help us to improve our website design and layout. Most browsers accept cookies automatically, but usually, you can alter the settings of your browser to prevent automatic acceptance. If you choose not to receive cookies, you may not be able to use certain features of our website.
This information is completely anonymous.
If you provide us with information about yourself by form filling on our website a session cookie collects that information and stores it during your browsing session so that if you wish to fill another of our forms it will be automatically populated. Information stored in that cookie is deleted as soon as you terminate your browsing session.
You have certain rights under the General Data Protection Regulations. These include the right to:
• Ask for a copy of your personal information in a portable format. There is no charge for this.
• Stop us sending you marketing material about products and services.
• Have any incorrect information we hold about you corrected.
• Ask us to restrict processing of your personal data.
As the processing of your personal information is necessary for a legal obligation placed upon us by the FCA and may be required for the establishment, exercise or defence of legal claims, we will not be able to permanently delete your personal information until the end of the period we have deemed necessary.
How to get more information.
If you would like further details on how we use your personal information or if you have any data protection queries, please write to:
The Data Protection Officer
Cover Direct Ltd
St Andrews House
You may receive more information about data protection from the companies that we have introduced you to.
We may record telephone calls so we can check we have acted on your instructions correctly and to ensure we are giving you appropriate service. We may also monitor calls for security and training purposes.
If you have any complaints about the way we have handled your personal information, please contact the Data Protection Officer at the address given above.
You also have the right to refer your complaint to the Information Commissioner.