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 or demonstrate compliance with our legal and regulatory obligations. Where we can, and it is appropriate, we will minimise personal data or de-personalise data to use for statistical or analytical purposes.

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. We typically keep quote information for three years, and policy and claims records for up to ten years from the end of our relationship with you. For healthcare Trust records this is typically thirteen years. In some cases, such as if there is a dispute or a legal action affecting the information we may need or be required to keep personal information for longer. Beyond ten years (or thirteen years) we will keep minimised information for statistical analysis for example for pricing and risk modelling purposes to understand notable events, such as weather and subsidence and health conditions and their treatment costs. Long term insurance products such as liability insurance are kept for an extended period.