Privacy Policy

Privacy Policy

This Privacy Policy explains how coverinstantly collects, uses, stores and shares personal information when you use our website, request a quote, make a payment, contact support, use the customer portal or submit information through any coverinstantly form.

We aim to explain privacy information clearly so you understand what data is needed, why it is used, who it may be shared with and what rights you have.

Who we are

coverinstantly is a UK-focused temporary car insurance website. Our registered correspondence address is:

For privacy questions, data rights requests or concerns about how your personal information is used, contact us through the support page.

Personal information we may collect

The information we collect depends on how you use the website. This may include:

• Identity details: name, title, date of birth and driver information.
• Contact details: email address, phone number, postal address and postcode.
• Vehicle details: registration number, make, model, year, engine size and vehicle lookup data.
• Driving information: licence details, cover dates, claims history, convictions, points, occupation and intended vehicle use.
• Quote and policy information: quote results, selected cover, price, acceptance status and document records.
• Payment information: payment status, payment reference, amount and checkout metadata. Card details are normally handled by the payment provider and not stored by coverinstantly.
• Support information: messages, attachments, complaint information and customer service notes.
• Technical data: IP address, browser type, device information, website logs, cookie identifiers and analytics information where permitted.

How we use personal information

We may use personal information to:

• provide quote forms, eligibility checks and temporary insurance journeys;
• identify vehicles and calculate or display quote information;
• process payments and create checkout sessions;
• generate and send policy, quote, receipt or NCB documents;
• respond to support enquiries, complaints and document requests;
• prevent fraud, misuse, suspicious activity and payment abuse;
• maintain website security, error logs and service performance;
• meet legal, regulatory, accounting and record-keeping obligations;
• improve website content, user experience and customer communication.

Lawful bases for processing

Depending on the situation, we may rely on one or more lawful bases under UK data protection law:

Who personal information may be shared with

Where necessary, information may be shared with:

• insurers, brokers, underwriting partners or policy administration providers;
• payment processors and fraud-prevention services;
• vehicle data, address lookup or verification providers;
• email, hosting, analytics, support and IT service providers;
• professional advisers, accountants, auditors and legal advisers;
• regulators, ombudsman services, courts, law enforcement or public authorities where required.

We only share information where there is a reason to do so and appropriate safeguards are in place.

How long we keep information

We keep information only for as long as needed for the purpose it was collected, including quote handling, policy administration, support, complaints, fraud prevention, accounting, legal or regulatory record keeping.

Retention periods may vary depending on the type of record. For example, policy, payment and complaint records may need to be kept longer than basic website enquiry data.

Your data protection rights

Depending on the circumstances, you may have rights to access, correct, erase, restrict or object to the use of your personal information. You may also have the right to data portability and to withdraw consent where consent is the lawful basis.

You also have the right to complain to the Information Commissioner’s Office if you are unhappy with how your data is handled. You can visit the ICO website for more information.

Security

We use technical and organisational measures designed to protect personal information against unauthorised access, loss, misuse or alteration. No website or online transmission can be guaranteed completely secure, so customers should also take care when using shared devices, public Wi-Fi or email accounts.

Changes to this Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our website, services, legal requirements, technology or business operations. The latest version will be published on this page.