Effective Date: 1 September 2025
This Privacy Policy explains how F&I Online Ltd t/a Car Insurance Plus ("Car Insurance Plus", "we", "us", "our") collects, uses, and protects your personal information when you use our website carinsuranceplus.co.uk or our services.
We are committed to safeguarding your privacy and handling your data in compliance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.
Who We Are
- Company: F&I Online Ltd t/a Car Insurance Plus
- Company Number: 09664343
- Registered Address: Lumiere House, Elstree Way, Borehamwood, England, WD6 1JH
- FCA Authorisation Number: 731217
- ICO Registration Number: ZA156503
- Email: contact@carinsuranceplus.co.uk
As the data controller, we determine how your personal data is collected, stored, and processed.
Information We Collect
We may collect the following types of personal information:
- Identity Information: Name, date of birth, marital status.
- Contact Information: Address, email address, telephone number.
- Vehicle Information: Vehicle make, model, registration, usage.
- Financial Information: Bank details, payment information, claims history, credit checks (if applicable).
- Technical Information: IP address, browser type, cookies, and website usage data.
How We Use Your Information
We use your personal information to:
- Provide you with car insurance quotes.
- Process and arrange insurance policies with third-party insurers.
- Communicate with you regarding your policy, renewals, and claims.
- Comply with our legal and regulatory obligations (FCA, ICO).
- Prevent and detect fraud or financial crime.
- Improve our services and website functionality.
- Send you relevant marketing communications (only if you have consented).
Lawful Basis for Processing
We process your personal data under the following legal bases:
- Contractual Necessity: To provide you with insurance quotes and services.
- Legal Obligation: To comply with regulatory requirements.
- Legitimate Interest: To improve services and prevent fraud.
- Consent: For marketing communications and certain data sharing.
Sharing Your Information
We may share your information with:
- Insurance providers and underwriters.
- Credit reference agencies and fraud prevention bodies.
- Regulatory authorities such as the FCA and ICO.
- Professional advisers (e.g., auditors, compliance consultants).
- IT, hosting, and service providers who support our operations.
We will never sell your personal data to third parties.
International Transfers
If your data is transferred outside the UK/EEA, we ensure appropriate safeguards (such as Standard Contractual Clauses) are in place to protect your information.
Data Retention
We keep your personal information only as long as necessary:
- Insurance and regulatory records: 6 years after your relationship with us ends.
- Marketing data: Until you withdraw consent.
- Technical/cookie data: As per our Cookie Policy.
Your Rights
Under UK GDPR, you have the right to:
- Access your personal data.
- Correct inaccurate or incomplete data.
- Request erasure of your data ("right to be forgotten").
- Restrict or object to processing.
- Data portability (transfer to another provider).
- Withdraw consent for marketing at any time.
You can exercise your rights by contacting us at contact@carinsuranceplus.co.uk.
Security
We use appropriate technical and organisational measures to protect your data against unauthorised access, loss, or misuse.
Cookies
We use cookies and similar technologies to improve your browsing experience and analyse website traffic. For more details, please see our Cookie Policy.
Complaints
If you are unhappy with how we handle your data, please contact us at contact@carinsuranceplus.co.uk.
You also have the right to complain to the Information Commissioner's Office (ICO):
- Website: https://ico.org.uk
- Telephone: 0303 123 1113
Updates to This Policy
We may update this Privacy Policy from time to time. Any changes will be posted on our Website with a revised effective date.