Privacy Policy

Principal Insurance is committed to protecting the privacy and security of your personal information. This Policy tells you what information we collect, why we collect it, what we do with it and your legal rights regarding your personal data. This Privacy Policy applies to all customers, prospective customers, website users and others who interact with us.

How we use the information you give us

We will only use your information on the basis that it is necessary to administer your insurance contract or help you make a claim. This includes providing you with a quotation, arranging and administering your policy, renewals and adjustments.

We may require special category data from you, such as health or criminal conviction information. We do so on the basis that it is in the public interest for insurance to be available to you, and to fight crime.

As we are a regulated firm, your data will be used to ensure we meet legal and regulatory requirements. We also have a legitimate interest in using your data for business operations to ensure we can continue to provide insurance to you.

We may use your data to send you marketing information. This will either be on the basis that we have a legitimate interest to do so, or where you have consented. You will be able to withdraw your consent or unsubscribe easily at any time from these communications.

We also need to use your information to process payments, collect debts, and arrange premium finance. This may include credit checks. This is also to provide an insurance contract to you, or as we have a legitimate interest in providing these services and collecting debts.

Purpose of Processing	Types of Personal Data	Lawful Basis
Insurance quotations, arranging and administering insurance, claims, renewals and adjustments	Names, addresses, risk information __________________________________________ Special categories including health and criminal convictions	Performance of a contract _____________________________________________________ Substantial public interest
Legal and regulatory compliance	Names, addresses, risk information ___________________________________________ Special categories including health and criminal convictions	Compliance with a legal obligation ______________________________________________________ Substantial public interest
Business operations and administration	Names, addresses, risk information ___________________________________________ Special categories including health and criminal convictions	Legitimate interest _______________________________________________________ Substantial public interest
Administration within our group of companies	Names, addresses, risk information	Recognised legitimate interest
Marketing	Names, contact details, marketing preferences	Recognised legitimate interest or consent
Payments, debts, premium finance	Name, address, bank details, credit/debit card details, credit history	Performance of a contract or legitimate interest

How we collect information about you

There are several ways we may collect your information; the main two ways are the things you tell us and the things we ask other organisations to tell us.

We may gather your data from information you submit to a website, by telephone, face to face or by email.
We may receive it from insurers, other insurance brokers, introducers, price comparison sites and firms handling claims. It includes finance providers and firms that process or store our records.

Who we share your information with

We may disclose your information to the third parties listed below for the purposes described in this Policy:

insurers, insurance brokers, insurance distributors and product providers
organisations who assist in the administration of claims
if you have authorised another person such as a relative to speak to us on your behalf
our regulators and relevant authorities including the Financial Conduct Authority, Financial Ombudsman Service, HM Revenue and Customs and the Information Commission
insurance industry organisations such as Claims and Underwriting Exchange, Motor Insurance Database, Driver and Vehicle Licencing Agency, No Claims Bonus database.
credit reference agencies, finance providers and debt recovery agencies
service providers we instruct such as IT, systems, software, professional advisers, auditors, marketing agencies
fraud prevention agencies, Police and governmental agencies.

We will not transfer your personal information outside of the European Economic Area (EEA) or UK, although, some Insurers we deal with may do. It is therefore important to read their Privacy Policy for further information.

How long we keep your information

We will only keep your information for as long as reasonably necessary to fulfil the relevant purposes explained in this Policy and comply with our legal and regulatory obligations. How long we keep your information is primarily determined by our regulatory obligations. This is usually up to 7 years from the end of our relationship with you but will differ depending on what information we have and what we do with it. Once we no longer need your information, we will securely delete or anonymise it.

Your legal rights

You have the right to complain to the Information Commissioner at www.ico.org.uk, telephone 0303 123 1132.
You can obtain a copy of your personal information from us without charge by contacting us at the address below. This may include the right to transfer information to other providers.
You have the right to ask us to correct information.
You have the right to ask us to delete your information or stop using it, unless it is necessary for us to retain it for insurance or financial purposes as set out in our document retention policy.
You have the right to ask us to restrict how we use your personal information in certain circumstances, such as if you believe the data is inaccurate or you have objected to our use of it. However, please note that we may continue to process information where it is necessary to administer your insurance policy or meet our legal and regulatory obligations.
You may have the right to object if decisions about you are made solely by a computer.

Changes to this Privacy Policy

We review this Privacy Policy annually to keep it up to date, therefore please check it regularly for updates. This Policy was most recently reviewed in October 2025.

Contact us

To exercise your rights or enquire about this Privacy Policy or how we process your personal information, please contact our Data Protection Officer, Sharron Titterington by email: compliance@principalinsurance.co.uk or post: Principal Insurance, Citygate2, Cross Street, Sale, Manchester, M33 7JR.

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