We retain your personal information only for as long as necessary to fulfil the purposes for which it was collected, to comply with our legal and regulatory obligations, and to establish, exercise, or defend legal claims.
As a general guide, we retain policy and claims records for up to 7 years after the policy expires or the final claim is settled. This period is driven primarily by the Limitation Act 1980 (which sets a 6-year limitation period for contractual and tortious claims), FCA record-keeping requirements, and HMRC obligations. Other categories of data may be retained for shorter or longer periods depending on the applicable legal basis – for example, quotation data where no policy was purchased is retained for a shorter period.
The criteria we use to determine retention periods are:
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The nature of the personal data and the purpose for which it was collected.
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Our legal and regulatory obligations (including FCA, HMRC, and anti-money laundering requirements).
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The limitation period for potential legal claims.
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Contractual requirements with insurers and other parties.
Our full Data Retention Policy and Schedule, which sets out retention periods by data category, is available on request by contacting us at dataprotection@uinsure.co.uk.
When your personal information reaches the end of its retention period, it is securely destroyed in accordance with our information disposal procedures.