Privacy Policy

Last updated: 7th May 2025

1. Introduction

This Privacy Policy explains how Insurably® ("we", "our", or "us") collects, uses, discloses, and protects your personal data. We are committed to protecting your privacy and complying with UK data protection laws, including the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

Insurably® is a trading name of Insurably Ltd, registered in England and Wales. Company Number: 15527466. Our registered office is at 17 Grafton Way, Northampton, NN5 6NG. We are registered with the Information Commissioner’s Office (ICO) under registration number ZB893710.

2. Who we are

We are an Appointed Representative of Movo Partnership Ltd who are directly authorised and regulated by the Financial Conduct Authority with registration number 823503. Registered in England No: 11544238. We offer property and business insurance services. We act as both a data controller and a data processor depending on the specific processing activity.

3. Personal data we collect

We may collect the following types of personal data:

  • Full name and contact details (email, phone number, address)
  • Date of birth and identification documents
  • Property and business details
  • Claims history and insurance requirements
  • Bank or payment information (for processing payments)
  • Marketing preferences and communication history
  • Technical data such as IP address, browser type, and cookies (see our Cookie Policy)

4. How we collect your data

We collect your personal data through the following methods:

  • Direct interactions (via forms on our website, emails, or phone calls)
  • Quote and claim submissions
  • Third-party referrals and marketing partners
  • Cookies and website analytics tools (e.g. Google Analytics)
  • Public sources and fraud prevention databases

5. Why we use your personal data (lawful basis)

We process your data for the following purposes under the lawful bases listed in UK GDPR:

  • To provide our services – for the performance of a contract (Article 6(1)(b))
  • To manage your account and policy – legitimate interests (Article 6(1)(f))
  • To comply with legal and regulatory obligations – legal obligation (Article 6(1)(c))
  • For marketing and communication – consent or legitimate interests (Articles 6(1)(a) or 6(1)(f))
  • To detect and prevent fraud – legal obligation and legitimate interest

6. Who we share your data with

We may share your data with the following parties:

  • Insurance providers, underwriters, and claims handlers
  • Regulatory bodies including the FCA and the ICO
  • Payment processors (e.g. WorldPay, Premium Credit, Close Premium Finance)
  • Marketing and analytics platforms (e.g. Google, Facebook, LinkedIn)
  • IT and hosting service providers
  • Third parties with whom we have data processing agreements in place

7. International data transfers

If we transfer your data outside the UK, we ensure it is protected by one of the following:

  • An adequacy decision by the UK Government
  • Standard Contractual Clauses approved by the ICO
  • Other appropriate safeguards as required under UK GDPR

8. How long we keep your data

We retain your data only as long as necessary for the purposes for which it was collected, including legal, regulatory, and insurance-related purposes. Typically, we retain customer data for a minimum of 6 years after the end of our relationship, unless required otherwise.

9. Your data protection rights

You have the following rights under UK GDPR:

  • The right to access the personal data we hold about you
  • The right to rectify inaccurate or incomplete data
  • The right to erasure (in certain circumstances)
  • The right to restrict processing of your data
  • The right to data portability
  • The right to object to certain processing activities, including direct marketing
  • The right to withdraw your consent at any time (where applicable)
  • The right to lodge a complaint with the ICO (ico.org.uk)

10. Automated decision-making

We may use automated decision-making and profiling as part of our quote process. This helps us determine pricing and eligibility efficiently. You have the right to request a manual review of any automated decisions that affect you significantly.

11. How we protect your data

We implement appropriate technical and organisational measures to safeguard your data against unauthorised access, disclosure, alteration, or destruction. This includes encrypted storage, access controls, and secure servers.

12. Marketing communications

We may send you relevant marketing messages if you have given us permission or where we have a legitimate interest. You can opt out at any time by clicking the unsubscribe link in our emails or contacting us directly.

13. Use of cookies

Our website uses cookies to improve your experience. For full details, please refer to our Cookie Policy.

14. Changes to this Privacy Policy

We may update this policy from time to time. Changes will be posted on this page, and where appropriate, notified to you via email.

15. Contact us

If you have any questions about this Privacy Policy or how we handle your data, you can contact our Data Protection Officer:

Email: team@insurably.co.uk

Post: Data Protection Officer, 17 Grafton Way, Northampton, NN5 6NG