Who we are?
1. “We”, “us” or “our” refers to Icarsinsurance.com, a trading name of the data controller Icars Insurance Limited (Registered Number 12723868). The data you provide us will be passed to our insurer companies and providers as part of providing our services to you and supplying you with quotes. Where you decide to proceed with one of our insurance providers you’ll also become subject to the privacy policy displayed on their website, and we encourage you to read this.
2. The services and policies described on this website are only available to residents of the United Kingdom insuring within England, Wales, Scotland, Northern Ireland and the Isle of Man (excluding the Channel Islands). By obtaining our services, you confirm that all drivers on your policy are UK residents and that if there is any change to this status then you would immediately inform the insurance provider
3. Advisory and Consultancy services as described by the Information Commissioners Office, for the purpose of data protection act 1998 Purpose Description: Giving advice or rendering professional services. The provision of services of advisory, consultancy or intermediary nature.

Data we collect?

1. Credit Searches: In assessing your application/renewal, the insurer/credit provider may search files made available to the insurer / credit provider by Credit Reference Agencies. Once you authorised us to search in all comparison websites on your behalf based on the information provided by you after agreeing & following our websites links & forms for Car, Van, Home, Business insurance as well accident / claims details, they (comparison website providers, authorised brokers or underwriters) may keep a record of that search. The insurer / credit provider may also pass to Credit Reference Agency information the insurer / credit provider hold about you and your payment record with the insurer / credit provider. Credit Reference Agencies share information with other organisations, enabling applications for financial products to be assessed or to assist the tracing of debtors, or to prevent fraud. The insurer / credit provider may ask Credit Reference Agencies to provide a credit scoring computation. Credit scoring uses a number of factors to work out risks involved in any application. A score is given to each factor and a total score obtained and this together with other factors will be used to accept or reject your application.
2. We collect personal data, and may collect special category personal data, as part of providing services to you. We may also monitor or record calls, emails or other communications in accordance with UK law. We may also contact you to conduct further market research. Your information may also be used for the above purposes after your policy has lapsed. If you do not wish your information to be used for these purposes please do not hesitate to write to us.
3. It’s important that you check that the personal data you provide is correct, complete, accurate and not misleading. Failure to do so may affect the services we can provide.

Data Handling

1. We are abiding to the data protection laws in the United Kingdom and take all appropriate considerations to prevent any unauthorised access to your personal data. You are allowed to the information we hold about you, for the flat fee of £25.
2. If any of the data held is incorrect we will also make any necessary changes with your permission. You have the right to request at any time that we stop processing your personal data for marketing purposes or to remove personal data from our records. If you wish to do these please write to the Data and Marketing officer at 6 St Mark’s Street, Bolton, BL3 6NR, please include your full name, address and date of birth when contacting us, for data protection and security purposes.
3. Any Insurance Administration and Renewal Information you provide may be used for the purpose of insurance administration, renewal and claims handling by the insurer, its agents, re-insurers and your intermediary. In assessing any claims made, insurers may undertake checks against publicly accessible information such as Electoral Register, County Court Judgments, bankruptcy or repossession information. Information may also be shared with other insurers either directly or through those acting for the insurer such as Loss Adjusters or investigators.

Data security

1. The payment site employs state of the art encryption software which guarantees that all of your confidential data (such as credit card number, name, address and other information) cannot be seized or copied when being passed between our sever and customer. Your personal information is covered by the data protection act 1998.
2. We and the other companies processing your data for the purposes mentioned in ‘Data Handling’ may occasionally need to manage some of the processing in countries outside of the European Economic Area which may not have laws to protect your personal data, but nevertheless we will ensure that it is kept securely and only used for the purposes for which you provided it. Details of the companies and countries involved can be provided on request

Our Website

1. When using this site; You will in no way effect the integrity or security of the website or create unreasonable inconvenience to any of our staff. Please be aware that communications over the internet, such as emails are not secure unless they have been encrypted. Your communications may re-routed through several countries before being delivered as this is the process of the internet. We cannot accept responsibility for any unauthorised access or loss of personal information that is beyond our control.
2. Cookies; Managing, disabling and enabling – You can accept or decline cookies from any website by modifying the settings in your browser. If you want to restrict or block the cookies set by our website, you can do this through your browser settings. For information about how to manage and disable cookies you can use your browser’s ‘Help’ function or visit http://www.aboutcookies.org.uk or https://www.allaboutcookies.org/. Please note that by deleting or disabling cookies this could affect the functionality of our website and you may not be able to access certain areas or features of our site
3. Links; Our website may contain links to other websites. If you click on one of these links, you are entering another site for which we are in no way responsible. We encourage you to read the privacy statements of these linked sites as their privacy policy may differ from ours
4. E-mail Links; On our website we may use e-mail links to allow you to contact us directly via e-mail. We use the information provided in your e-mail to respond to your questions or comments. We may also store your comments for future reference.
5. Refuse to Serve; If you take any steps inconsistently and in breach of these terms and conditions, violate or attempt to violate any rights of any other user of the website or are engaged in any fraudulent activity, we have the right to issue a warning, temporary suspension, or an indefinite suspension and termination of your rights to use the website.

Our Responsibility

1. We are providing this website as a choice and the website’s content makes no representations or warranties of any kind. In addition, we give no guarantees or impressions about the accuracy, integrity, or suitability for any purpose of the information and related images presented on the website. the information contained in this site may contain technical errors or misprint. However, any accountability coming forward for such discrepancies or misinformation are expressly excluded to the fullest extent permitted by law.
2. We make no guarantee that the website or any linked website is free from viruses, malware or other malicious computer problems. You are responsible for ensuring that you use the appropriate Antivirus software.
3. Neither the company or any of our employees will be liable for loss or damage arising out of or in connection with the use of this site. This is a complete injunction of accountability that applies to all damages, including (no limitation) compensatory, direct, indirect or consequential damages, loss of data, income or profit, loss of or damage to property in claims of third parties. Notwithstanding the foregoing, none of the exclusions and limitations under the clause are intended to limit any rights you may have as a consumer under local law or other statutory rights.

We reserve the right to amend or modify this privacy policy at any time in response to changes in applicable data protection and privacy legislation. We also reserve the right to transfer our rights under this Agreement at any time.