Privacy Policy

1. Introduction

UtterlyCovered ("we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website utterlycovered.com or use our services.

2. Information We Collect

Personal Information

We may collect personal information that you provide directly to us, including:

• Name and contact information (email address, phone number, postal address)
• Age and demographic information
• Insurance preferences and requirements
• Financial information relevant to insurance quotes

Automatically Collected Information

When you visit our website, we may automatically collect certain information, including:

• IP address and device information
• Browser type and version
• Pages visited and time spent on our site
• Referring website information

3. How We Use Your Information

We use the information we collect for the following purposes:

• To provide insurance quotes, advice, arrangement services and recommendations that match your needs;
• To introduce you to insurance providers and facilitate your purchase or enquiry in connection with insurance products;
• To refer your details to FCA or SRA regulated claims or legal firms (including those we work with under our Pamira claims division) where you request or consent to a car finance, financial mis-selling or similar claims assessment;
• To enable our regulated claims partners to assess your eligibility for a claim and, if accepted, to manage the claims process on a no win, no fee basis;
• To communicate with you regarding your enquiry, application, introduction or referral;
• To provide you with information about our own insurance products and services, where legally permitted and where you have given consent or we have a legitimate interest in doing so;
• To improve our website, marketing performance and overall customer experience;
• To comply with legal, regulatory or contractual obligations.

Legal basis for processing: We process your personal information where necessary for the performance of a service you have requested, where required by law, where we have a legitimate interest in facilitating insurance or claims-related services, or where you have provided your consent (for example, for marketing communications). You may withdraw your consent or object to marketing at any time.

4. Information Sharing

We may share your personal information with the following parties:

• Insurance providers for the purpose of obtaining quotes, arranging cover or progressing an insurance application;
• FCA or SRA regulated claims or legal firms (including those we work with through our Pamira claims division) where you request or consent to a claims assessment or referral;
• Service providers who assist us in operating our website, delivering our services, processing data, providing marketing or administrative support;
• Professional advisers, auditors or legal authorities where required by law, regulation, legal proceedings or to protect our legal rights.

We may receive an introducer or referral fee from insurance providers or regulated claims firms when you choose to proceed with a product or claim through them. This does not affect the price you pay, the level of service you receive or the outcome of any claim or policy.

5. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, disclosure, alteration, or destruction.

6. Your Rights

Under applicable data protection laws, you may have the right to:

• Access your personal information
• Correct inaccurate information
• Request deletion of your information
• Object to processing of your information
• Withdraw consent where processing is based on consent

7. Cookies and Tracking

Our website uses cookies and similar tracking technologies to enhance your browsing experience and analyze website usage. You can control cookie settings through your browser preferences.

8. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Last updated" date.

9. Contact Us

If you have any questions about this Privacy Policy, please contact us at: