We take your privacy seriously and are committed to ensuring that our website is secure for you to use. This privacy notice (Notice) sets out how we will collect, use and share your personal information and explains your data protection rights and how to contact us. If you would like to receive this Notice in an alternative format such as large print, audio or braille, please let us know.
In this Notice, references to you or your shall mean you as a website user of www.co-opinsurance.co.uk (our website) and/or a customer or prospective customer of our insurance products (Insurance Products). If you purchase one of our Insurance Products, this Notice should be read with your policy documents. If you would like further information about how your personal information is collected, used and shared for each of our Insurance Products, please follow the relevant links on each product page on our website.
We are CIS General Insurance Limited (CISGIL) trading as Co-op Insurance and Co-op Insurance Services Limited (CISL) trading as Co-op Insurance Services (both are part of the Co-op Group) and are both classed as "data controllers" of your personal information. CISGIL provides you with our Motor (including Ecoinsurance), Home and Young Driver Insurance Products and CISL promotes our Co-op branded Pet and Travel Insurance Products.
Both CISGIL and CISL's registered office address is at CIS Building, Miller Street, Manchester M60 0AL. When we use terms such as we, us and our in this Notice, we mean both CISGIL and CISL.
We have appointed a Data Protection Officer (DPO) to oversee our handling of personal information. Our DPO can be contacted by email at firstname.lastname@example.org, by letter to Data Protection Officer, Co-op Insurance, CIS Building, Miller Street, Manchester M60 OAL.
We collect personal information about:
We collect your personal information from:
If you are applying for one of our Insurance Products jointly with somebody else, you must ensure that you have permission from the other party before:
We collect and retain your personal information when you visit our website, complete an application for an Insurance Product, renew your policy, make a claim and/or complaint and when you contact us. The personal information that we collect will depend on your relationship with us and whether, for example, you are a policyholder, covered party, website user, third party claimant or other third party.
We may collect certain information such as your name, gender, marital status, address, email address, contact telephone number, internet protocol address and bank account details. We may ask for additional information for some of our Insurance Products such as vehicle registration number for motor insurance products, as well as personal information which the data protection laws define as special categories of data, such as medical history and information that relates to criminal convictions.
We may use your personal information (and any personal information relating to joint policyholders or covered parties):
We will only use your personal information where it is permitted by law and where:
We will only share your personal information with:
We may also share your personal information with third parties in the event that:
our business or substantially all of its assets are acquired by a third party;
In sharing your personal information, we will ensure that your information is properly protected and used in accordance with this Notice.
We may need to transfer your personal information outside the UK to countries where data protection laws may not provide the same level of protection as those in the European Economic Area. We shall ensure that any such transfers are lawful and that your personal information is kept secure.
If you decide to purchase our Ecoinsurance, Motor or Young Driver Insurance Product, we will contact credit reference agencies to obtain your credit score to allow us to calculate the price and the underwriting of your Motor Insurance Product. We will do this when you are asking for a new quotation and also when you are renewing an existing policy. Your credit score will only be used by us and we will obtain the information in a way that does not have a negative impact on your credit record or your future ability to obtain credit. The same credit score will be used for any changes made to your Motor Insurance Product during its term until your Motor Insurance Product's next renewal date.
If you choose to pay for any of our Insurance Products by direct debit, a credit reference agency, such as Experian, will carry out a check of your credit record to find out details of your personal credit history. This check will help us decide whether or not to offer you credit terms and will be recorded on your credit record. We may also pass to credit reference agencies information held about you and your payment record with us. Credit reference agencies share information with other organisations, enabling applications for financial products to be assessed or to assist the tracing of debtors, or to prevent fraud or other crimes. For further information about the use of your personal information by credit reference agencies, please visit www.experian.co.uk/crain.
The personal information we have collected from you will be shared with fraud prevention agencies such as CIFAS who will use it to prevent fraud and money-laundering and to verify your identity. If a fraud risk is detected, you could be refused our Insurance Products.
You have a legal right to obtain details of those credit reference and fraud prevention agencies from whom we obtain and to whom we pass information about you. You also have a right to further details explaining how the personal information held by fraud prevention agencies may be used. For further information about the use of your personal information by credit reference and fraud prevention agencies, please contact us using the details at section 19 of this Notice.
As a principle, we only keep your personal information for as long as it is needed for each of the purposes we have identified above. Usually, we will retain your information for up to seven years, unless there is an exceptional business purpose in which case this time period needs to be extended. If you would like further information about our retention procedures, please contact us using the details at section 19 of this Notice.
Data protection laws give you a number of rights as set out below. If you would like to exercise any of your rights, please contact us using the details at section 19 of this Notice.
Right to access your personal information: you may request access to a copy of your personal information. Please send all requests for access to us in writing.
Right to withdraw consent: if you have given us consent to use your personal information to send you marketing, you can withdraw your consent at any time.
Right to rectification: you may ask us to rectify any inaccurate information we hold about you. If you would like to update the personal information we hold about you, please contact us.
Right to erasure: you may ask us to delete your personal information. If you would like us to delete the personal information we hold about you, please contact us, specifying why you would like us to delete your personal information.
Right to portability: you may ask us to provide you with the personal information that we hold about you in a structured, commonly used, machine readable format, or ask for us to send such personal information to another data controller.
Right to restriction: you can ask us to restrict the personal information we use about you where you have asked for it to be erased or where you have objected to our use of it.
Right to object: you may object to our processing of your personal information pursuant to this Notice. Please contact us, providing details of your objection.
Right to make a complaint: you may make a complaint about our data processing activities by contacting us using the details at section 19 of this Notice. Alternatively, you may make a complaint to the UK supervisory authority, which is the Information Commissioner's Office, by visiting their website at www.ico.org.uk, by phoning 0303 123 1113 (local rate) / 01625 545 745 (national rate), or by writing to Information Commissioner's Office, Wycliffe House, Water Lane, Wilmslow, Cheshire SK9 5AF.
Please note that in some cases:
It is your responsibility to provide us with accurate and complete information as it may affect your Insurance Product with us. If you do not do so, it could result in us increasing the price of your Insurance Product, rejecting your quotation or claim, reducing any claim settlement payment and/or your Insurance Product being cancelled or made void (treated as though it never existed).
Sometimes we use your personal information in automated processes to make decisions about you, such as whether or not to offer insurance. We might also use automated processes to create a profile of you. We do this to help ensure decisions are made accurately, fairly and efficiently. For more information about how we use automated decision-making, please contact us using the details at section 19 of this Notice.
We will treat all of your personal information in strict confidence and we will take all reasonable steps to keep your personal information secure once it has been transferred to our systems. We adopt appropriate data collection, storage and processing practices and security measures to protect against unauthorised access, alteration, disclosure or destruction of your personal information. Please note that we cannot guarantee the security of any data you disclose to us online. You accept the inherent security risks of providing personal information and dealing online and will not hold us responsible for any loss or damage that you incur.
For information about using our social media sites please click here.
We may modify this Notice from time to time, so please review it regularly. We will let you know when we make any material changes to the Notice by means of notice on our website or if appropriate, by contacting you directly. This Notice was last amended on 10 May 2018.
If you have any queries relating to this Notice or our use of your personal information or wish to exercise any of your data protection rights, please contact our Data Protection Officer by email at email@example.com or by letter to Data Protection Officer, Co-op Insurance, CIS Building, Miller Street, Manchester M60 0AL. Alternatively, please call our Operations team on 03457 46 46 46. Please note that calls may be monitored or recorded.
Cookies are small text files that are stored on your hard drive or in your browser’s cache memory when you visit a website or open a marketing email.
Cookies aren’t computer programmes, and can’t damage your computer, but they help us provide an interactive and easy to use website.
Most browsers automatically accept cookies, but you can change your browser to prevent cookies being stored if you wish.
Be aware that if you turn cookies off, this will limit the service that we are able to provide, and it will affect your visitor experience.
This type of cookie is only active during the time you’re using the website. As soon as you leave the site, it is deleted from your device or browser cache memory.
For example, when you enter details on a form, a cookie will be used to store the information you enter. If you then go back to a previous page, the cookie will remember the data you have entered so that you don’t have to enter it again.
These are cookies that will remain on your device after you have left the site or closed your web browser. They're typically used to remember settings such as preferred font size.
Like most websites, we use 3rd party companies to provide analytics data. We use these as they are able to provide specialist software that would be too expensive for us to develop ourselves.
Our website uses these 3rd parties’ cookies:
These help customers to move around the website and use its features. Without these cookies, we can’t provide the service.
These cookies collect information about how visitors use a website. All information these cookies collect is anonymous, and is only used to improve the performance of the site.
We use these cookies to:
Our website uses these 3rd parties’ cookies for analytics purposes:
We may use performance cookies in our emails to tell us how you interacted with an email we've sent you. These can easily be disabled, by setting your email client not to automatically download all content.
These cookies allow the website to remember the choices you make, such as your username or your location in order to provide enhanced and personalised features. For example a news website may store your location to provide you with the most up to date local news.
We use these cookies to remember the font size you set on some of our application forms.
These cookies are used by advertisers to deliver adverts more relevant to you and your interests. They are also used to limit the number of times you see an advert as well as help measure the effectiveness of our advertising.
These cookies are usually placed by advertising networks with the website operator’s permission. They remember that you have visited a website, and this information is shared with other organisations such as advertisers.
We use these cookies to help us tailor adverts you see on third party websites, by understanding what interests you on our website.
Home, Motor, Eco and Young Driver Insurance are underwritten by Co-op Insurance. Co-op Insurance is a trading name of CIS General Insurance Limited; registered in England and Wales with registration number 29999R. Registered office: CIS Building, Miller Street, Manchester M60 0AL. CIS General Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under register number 435022.
Standalone Breakdown Cover, Pet and Travel Insurance are provided on behalf of Co-op Insurance Services. Co-op Insurance Services acts as an Introducer for Business and Van Insurance. Co-op Insurance Services is a trading name of Co-op Insurance Services Limited; registered in England and Wales with registration number 4390. Registered office: CIS Building, Miller Street, Manchester M60 0AL. Co-op Insurance Services Limited is authorised and regulated by the Financial Conduct Authority under register number 779364.
Co-op Travel Insurance is arranged and administered by Insure & Go Insurance Services Ltd. This insurance is underwritten by MAPFRE Asistencia Compañía Internacional de Seguros y Reaseguros, SA, which is authorised by Dirección General de Seguros y Fondos de Pensiones and subject to limited regulation by the Financial Conduct Authority and the Prudential Regulation Authority; details about the extent of this limited regulation are available on request. UK Registered office; Dixon House, 72-75 Fenchurch Street, London EC3M 4BR. Company Number: FC021974. Branch Number: BR008042.