Privacy Policy
How we collect, use, share and protect your personal data.
Last updated: 13 January 2026 | ICO Registration: ZA214815
Your Privacy Matters
This Privacy Policy explains how we collect, use, share and protect personal data when you use our website, contact us, request a call-back, or ask us to arrange insurance. We are committed to protecting your privacy and handling your data responsibly.
1. Who We Are
Focus Insurance Services is an independent insurance broker authorised and regulated by the Financial Conduct Authority (FCA) (FRN: 717691).
2. What This Policy Covers
This policy applies when we:
- Respond to your enquiries (including call-back requests)
- Provide insurance broking services (quotes, placement, renewals and mid-term changes)
- Support you with claims guidance and liaison (where applicable)
- Handle complaints and service issues
- Operate and improve our website and digital services
3. The Personal Data We Collect
We may collect and process the following categories of personal data (depending on what you request and the product involved):
Identity and Contact Data
- • Name, title/role, business name (where relevant)
- • Date of birth (where relevant to the product)
- • Address, email address, telephone numbers
- • Identification details where required for verification
Policy, Risk and Claims-Related Data
- • Property details, vehicle information, business activities
- • Claims history and loss experience
- • Risk management information
- • Policy documents and correspondence
Financial Data
- • Payment details (card, bank account)
- • Premium finance arrangements
- • Transaction history
Technical Data
- • IP address, browser type, device information
- • Pages visited, time spent, referral source
- • Cookie data (see our Cookie Policy)
4. How We Use Your Data
We use your personal data to:
- Provide insurance broking services and arrange cover
- Communicate with you about your policy and enquiries
- Process payments and manage your account
- Comply with legal and regulatory obligations
- Prevent fraud and verify identity
- Improve our services and website
- Send marketing communications (with your consent)
5. Lawful Bases for Processing
Under UK GDPR, we rely on the following lawful bases:
Contract
Processing necessary to perform our contract with you (arranging insurance)
Legal Obligation
Processing necessary to comply with FCA rules, anti-money laundering, and other legal requirements
Legitimate Interests
Processing necessary for our legitimate business interests (fraud prevention, service improvement)
Consent
Where you have given consent (marketing communications)
6. Who We Share Your Data With
We may share your personal data with:
- Insurers and underwriters (to arrange and administer your policy)
- Premium finance providers (if you choose to pay by instalments)
- Claims handlers and loss adjusters (where relevant)
- Regulatory bodies (FCA, ICO) where required
- Professional advisers (accountants, lawyers) where necessary
- IT service providers who support our systems
- Fraud prevention agencies
We do not sell your personal data to third parties.
7. International Transfers
Some suppliers may process data outside the UK. Where this occurs, we use appropriate safeguards such as:
- Adequacy regulations (where applicable)
- Standard contractual clauses or equivalent protections
- Other safeguards recognised under UK data protection law
8. How Long We Keep Your Data
We retain data for as long as necessary for the purposes set out above, and to meet legal and regulatory obligations. Typical retention periods include:
9. How We Protect Your Data
We use appropriate technical and organisational measures such as:
- Encryption where suitable, secure communications, firewalls and monitoring
- Access controls, role-based permissions and audit trails
- Multi-factor authentication (where available)
- Staff training and clear internal policies
- Third-party due diligence and supplier oversight
- Incident response processes
10. Your Rights
You have rights under UK GDPR, including:
Access
Request a copy of your personal data
Rectification
Request correction of inaccurate data
Erasure
Request deletion in certain circumstances
Restriction
Request limitation of processing
Objection
Object to processing in certain circumstances
Portability
Request transfer of your data
We aim to respond to valid requests within one month. To exercise your rights, please contact us at [email protected] or 01733 263311.
11. Cookies
We use cookies to operate the site and, with your permission, to measure and improve performance. Please see our Cookie Policy for full details.
12. Complaints and the ICO
If you have concerns about how we use your data, please contact us first so we can address it.
You also have the right to complain to the Information Commissioner's Office (ICO):
Information Commissioner's Office
Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF
Telephone: 0303 123 1113
Website: ico.org.uk
13. Related Policies
For more information about our services and how we operate, please see our Terms of Business, Regulatory Information, and Cookie Policy.
Contact Us
If you have any questions about this Privacy Policy or how we handle your personal information, please contact us: