Privacy Policy

Insurance101 ("we", "us", "our") is committed to protecting your privacy and handling your personal data responsibly. This policy explains what data we collect, why we collect it, how we use it, and your rights under UK data protection law.

This website is operated as a referral and information service. We do not sell insurance directly. When you click through to an insurer, you leave our website and their own privacy policy applies from that point.

1. Who We Are

Insurance101 is a trading name administered in the United Kingdom. For data protection purposes, we are the data controller for personal data collected through this website.

If you have any questions about this policy or how we handle your data, contact us at: privacy@insurance101.co.uk

2. What Data We Collect

Data you give us directly

• Your name and email address if you contact us
• Any other information you choose to include in a message to us

Data collected automatically

• IP address and approximate location (country/region)
• Browser type and version
• Pages visited on our site and time spent
• Referring website (how you found us)
• Device type (desktop, mobile, tablet)
• Clicks on outbound referral links

This data may be collected via standard web server logs. See our Cookie Policy for full details of our current cookie use.

3. How We Use Your Data

We use the data we collect to:

• Operate and improve our website
• Respond to enquiries you send us
• Comply with legal obligations
• Detect and prevent fraud or abuse

We do not currently use analytics tools such as Google Analytics, and we do not currently have live affiliate or referral tracking on this site. If we introduce analytics or referral tracking in future — for example, once affiliate partnerships with insurers go live — we will update this policy and our Cookie Policy in advance.

We do not use your data for automated decision-making or profiling. We do not sell your personal data to third parties.

4. Legal Basis for Processing

Under UK GDPR, we rely on the following lawful bases:

• Legitimate interests — for basic site operation and improvement
• Consent — for any non-essential cookies, if and when introduced
• Legal obligation — where required by law
• Contract — where you have contacted us and we need to respond

5. Referral Links and Third-Party Insurers

Our website contains referral links to third-party insurance providers. When you click one of these links, you will be taken to the insurer's own website. Once any affiliate partnerships are live, we may receive a referral fee from the insurer if you subsequently purchase a policy. This does not affect the price you pay.

Once you leave our site, the insurer's own privacy policy applies. We are not responsible for the data practices of third-party websites. We encourage you to read their privacy policies before providing personal data.

6. Cookies

We currently use only essential cookies needed for our website to function. Full details of the cookies we use, and how our approach will change if we introduce analytics or affiliate tracking, are set out in our Cookie Policy.

7. Data Sharing

We may share your data with:

• Hosting providers who host our website infrastructure
• Law enforcement or regulators if required by law

We do not currently share data with analytics providers or affiliate networks, as we do not yet have live analytics or affiliate tracking. If this changes, we will update this section in advance — see our Cookie Policy for the latest position.

We do not share your personal data with insurers unless you choose to click through to their site.

8. Data Retention

We retain personal data only for as long as necessary for the purposes described in this policy:

• Enquiry data: up to 2 years from last contact
• Server logs: up to 90 days

9. Your Rights

Under UK GDPR, you have the following rights regarding your personal data:

• Right of access — to request a copy of the data we hold about you
• Right to rectification — to correct inaccurate data
• Right to erasure — to request deletion of your data ("right to be forgotten")
• Right to restrict processing — to limit how we use your data
• Right to data portability — to receive your data in a portable format
• Right to object — to processing based on legitimate interests
• Right to withdraw consent — at any time where processing is consent-based

To exercise any of these rights, email us at privacy@insurance101.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.

10. Data Security

We take reasonable technical and organisational measures to protect your personal data against unauthorised access, loss or destruction. Our website is served over HTTPS (SSL/TLS encryption). However, no internet transmission is completely secure and we cannot guarantee absolute security.

11. Children's Privacy

Our website is not directed at children under the age of 16. We do not knowingly collect personal data from children. If you believe a child has provided us with personal data, please contact us and we will delete it promptly.

12. Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will update the "last updated" date at the top of this page. We encourage you to review this page periodically.

13. Contact Us

For any data protection enquiries: privacy@insurance101.co.uk

To report a concern to the regulator: ico.org.uk