Privacy Policy

NICHE COVER LIMITED PRIVACY POLICY

Effective Date: 2 June 2026

Introduction

Niche Cover Limited ("Niche Cover", "we", "us" or "our") is committed to protecting and respecting your privacy.

We are registered in England and Wales under company number 12611667 and are authorised and regulated by the Financial Conduct Authority under firm reference number 1018685.

This Privacy Policy explains how we collect, use, store and protect personal data when you use our website, engage with our services, or interact with us in connection with insurance products and services.

We process personal data in accordance with the UK General Data Protection Regulation (UK GDPR), the Data Protection Act 2018 and other applicable data protection legislation.

Who This Policy Applies To

This policy applies to:

• Insurance brokers and their representatives.
• Individuals acting on behalf of broker firms.
• Prospective broker partners.
• Visitors to our website.
• Individuals whose information is provided to us in connection with insurance quotations, policies or claims.

Information We Collect

We may collect and process the following categories of information:

Business and Contact Information

• Names.
• Job titles.
• Email addresses.
• Telephone numbers.
• Business addresses.
• FCA registration details.
• Agency and trading information.

Insurance and Risk Information

Where required in connection with insurance products and services, we may process:

• Personal information relating to policyholders.
• Claims history.
• Driving licence and motoring conviction information.
• Criminal conviction information where relevant to insurance underwriting.
• Health or medical information where relevant to insurance products or claims.

Technical Information

• IP address.
• Browser type and version.
• Device information.
• Operating system.
• Website usage information.

Communication Information

• Emails.
• Telephone recordings.
• Meeting notes.
• Correspondence and enquiries.

How We Collect Information

We collect information:

• Directly from you.
• Through our website.
• Through communications with broker partners.
• From insurers, underwriters and delegated authority partners.
• From publicly available sources.
• From fraud prevention and identity verification services where appropriate.
• Through website analytics technologies.

How We Use Personal Data

We use personal data to:

• Assess and administer insurance arrangements.
• Provide quotations and policy services.
• Manage relationships with broker partners.
• Process claims and complaints.
• Verify identity and prevent fraud.
• Meet legal and regulatory obligations.
• Monitor and improve our services.
• Maintain the security of our systems.
• Communicate with brokers, insurers and other business partners.
• Send marketing communications where permitted by law.

Legal Basis for Processing

We rely upon one or more of the following lawful bases:

Contract

Where processing is necessary to perform a contract or take steps prior to entering into a contract.

Legal Obligation

Where processing is necessary to comply with legal, regulatory or FCA requirements.

Legitimate Interests

Where processing is necessary for our legitimate business interests, including administration, fraud prevention, risk management, compliance monitoring and service improvement.

Consent

Where required by law, including certain marketing activities or where special category personal data requires explicit consent.

Special Category and Criminal Conviction Data

Insurance products frequently require the processing of special category personal data and criminal conviction data.

Where necessary, we process such information in accordance with UK data protection legislation and applicable insurance exemptions, including where required for underwriting, policy administration, claims handling, fraud prevention or compliance purposes.

Telephone Recording and Monitoring

We may record and monitor telephone calls for:

• Training purposes.
• Quality assurance.
• Compliance monitoring.
• Complaint investigation.
• Fraud prevention.
• Security purposes.

Call recordings are retained only for as long as reasonably necessary and in accordance with our retention policies.

Data Sharing

We may share information with:

• Insurers and underwriters.
• Managing General Agents.
• Claims handlers.
• Loss adjusters.
• Solicitors and professional advisers.
• Regulatory bodies.
• Law enforcement agencies where required.
• Fraud prevention agencies.
• Service providers who support our business operations.

Information may also be shared with industry databases and fraud prevention systems where required for underwriting, claims handling, fraud prevention or regulatory purposes.

We do not sell personal data.

Fraud Prevention and Industry Databases

To prevent and detect fraud, money laundering and other financial crime, information may be shared with fraud prevention agencies, insurers and industry databases.

If false or inaccurate information is provided and fraud is identified, details may be recorded and shared with relevant industry participants and authorities.

Website Analytics and Cookies

Our website uses cookies and similar technologies to improve functionality and understand how visitors use our website.

We use Google Analytics to collect anonymous statistical information regarding website usage.

Further information is available in our Cookie Policy.

International Transfers

Our systems are primarily hosted within the United Kingdom and European Economic Area.

Where personal data is transferred outside the UK, we will ensure appropriate safeguards are in place in accordance with UK data protection legislation.

Data Security

We maintain appropriate technical and organisational measures to protect personal data against unauthorised access, loss, misuse, alteration or disclosure.

These measures include access controls, encryption, secure hosting environments, staff training and ongoing security monitoring.

Data Retention

We retain personal data only for as long as necessary to fulfil the purposes for which it was collected and to satisfy legal, regulatory and business requirements.

Retention periods vary depending on the nature of the information and applicable regulatory obligations. Certain insurance records may be retained for periods exceeding six years where required.

Your Rights

Subject to applicable law, individuals have the right to:

• Access their personal data.
• Request correction of inaccurate data.
• Request deletion of personal data.
• Restrict processing.
• Object to processing.
• Request data portability.
• Withdraw consent where consent is relied upon.

Requests should be submitted using the contact details below.

Contact Us

If you have any questions regarding this Privacy Policy or the way we process personal data, please contact:

If you are unhappy with the way your personal data has been handled, you have the right to complain to the Information Commissioner's Office (ICO).

Further information is available from www.ico.org.uk.