How Long Do We Keep Records For?

In most cases, we will keep your information for between three and ten years after our relationship with you ends but it will vary depending on what data we hold, why we hold it and what we’re obliged to do by the regulator or the law.

We keep your personal information for as long as reasonably necessary to fulfil the relevant purposes set out in this Privacy Policy and in order to comply with our legal and regulatory obligations.  In some instances, we will minimise personal data; or de-identify data to use for statistical or analytical purposes, this activity is undertaken in accordance with data protection laws.

The time period we retain your personal information for will differ depending on the nature of the personal information and what we do with it.  How long we keep personal information is primarily determined by our regulatory obligations. We typically keep quote information for 3 years, and policy and claims records for up to 10 years from the end of our relationship with you.  In some cases, such as if there is a dispute or a legal action we may be required to keep personal information for longer.  Beyond 10 years we will keep minimised information relating to your property for statistical analysis for pricing and risk modelling purposes to understand notable events, such as weather and subsidence.   Long term insurance products such as liability insurance are  kept for an extended period.  Data held in relation to a healthcare trust is kept for 13 years.