Privacy & Cookie Policy

Our Contact Details

PH Innovate (New Inn) Limited (Registered Number: 16989928) trading as Three Castles Cover is an Appointed Representative of Next Risk Solutions LTD (Registered Number: 08503000) who are authorised and regulated by the Financial Conduct Authority (FRN: 705135).

PH Innovate (New Inn) Limited is registered with the Information Commission as a data controller.

Where we act under delegated authority arrangements with insurers, we may process personal data as a data controller or joint data controller with the relevant insurer(s), depending on the specific insurance product and arrangement

2. The type of personal information we collect

We only collect and process personal information that is necessary for the purposes of providing insurance services, including underwriting, administration, and claims handling.

This may include the following categories of personal data:

• Personal data (including special category data), such as:
• Name
• Address
• Date of birth
• Contact Details
• Occupation
• Driving licence information
• Claims information
• Health information
• Criminal offence information
• Financial information

3. How we get the personal information and why we have it

Most of the personal information we process is provided directly by you, including when you:

• Request an insurance quotation either from us directly or via a price comparison website
• Purchase or amend an insurance policy
• Make a claim or provide claims information
• Contact us by phone, email, or online forms

We may also receive information from a third party such as:

• Insurers, claims handlers, fraud prevention agencies, and credit reference agencies
• Information may also be provided by a broker, a member of your family or any third party when applying for insurance
• Price comparison websites, where you have provided consent for your details to be shared with us

We use this information to:

• Identify you and verify your details
• Provide insurance quotations and underwriting decisions
• Administer and manage your insurance policy (including mid-term adjustments and renewals)
• To handle and process claims and claims investigations
• To detect, prevent and investigate fraud
• To comply with legal and regulatory requirements

We will share your information with the following organisations strictly for the purpose of administering your insurance policy:

• Brokers, business partners, insurers and underwriters
• Price comparison websites
• Credit reference agencies
• Fraud prevention agencies
• Claims management companies and loss adjusters
• The Claims and Underwriting Exchange Register (CUE)
• Insurance software providers and IT service suppliers
• Reinsurers (where applicable)
• Regulatory bodies, law enforcement agencies, or courts where required

We do not sell your data to third parties.

Under the UK General Data Protection Regulation (UK GDPR), the lawful bases we rely on for processing this information are:

• a. Your consent. You are able to remove your consent at any time. You can do this by contacting us using the details stated under section 1 'Our contact details'.
• b. We have a contractual obligation as the insurance intermediary providing you with your motor insurance policy.
• c. We have a recognised legitimate interest as the insurance intermediary to ensure your motor insurance policy is setup correctly.

4. How we store your Personal Information

How we store your personal information

We store your personal information securely using appropriate technical and organisational measures to protect it against unauthorised access, loss, alteration, or disclosure.

Access to personal data is restricted to authorised personnel who require it for insurance administration, underwriting, claims handling, or regulatory compliance purposes.

How long we keep your information

We will retain your personal information only for as long as is necessary for the purposes for which it was collected, including to meet legal, regulatory, and contractual obligations.

Disposal of data

Once data is no longer required, it will be securely deleted or destroyed using appropriate methods, which may include:

• Secure electronic deletion
• Anonymisation where appropriate
• Confidential destruction of physical records via approved specialist providers

5. Cookies

Our website uses cookies. These are small pieces of data that a website stores on your computer's hard drive after you've been to that website. Each cookie contains information about your visit to the website, such as which pages you visited and which products and services you said you were interested in. The next time you visit the site, the cookie will tell the site that you've been there before.

We will use cookies to identify and remember your preferences for different types of information after you've visited our website, and to track your progress through the site. We will then use this information to try to enhance your experience when you use our site. For example, we might be able to avoid showing you information or screens you've already seen or give you information we think you maybe interested in, based on your previous visits to our website.

There are two main categories of cookies:

• Persistent cookies - These cookies stay your computer untilthey are removed manually or automatically.
• Session cookies - These cookies remain on your computer untilyou close your browser when they are automatically deleted.

5.1 Essential Cookies

Essential cookies are technical cookies that are required for the operation of our sites. Without essential cookies our web site can't operate properly. Essential cookies include for example, cookies that enable you to log into secure areas.

5.2 Performance Cookies

Performance cookies allow us to recognise and count the number of visitors to our web site and to see how visitors move around them.

This helps us to improve the way our web site works by enabling us to tailor our site to the way visitors use them. The information we collect from performance cookies is aggregated which means that we cannot identify you from it.

You can refuse cookies by activating the relevant setting on your browser. However, if you do so you may not be able to access all or parts of our sites. If you carry on using our sites and do not change your browser settings, we'll assume you consent to us using cookies as described above.

You'll find more information about cookies at www.allaboutcookies.org, which gives details on how to delete cookies from your computer. For information on how to do this on your mobile phone browser, please see your handset manual.

6. Links to Other Websites

Links to third party websites are provided solely for your convenience. When you activate these links, you will leave our website. We do not endorse or take responsibility for the content on third party websites, or the availability of those websites and we are not liable for any loss or damage that you may suffer by using those websites. If you decide to access linked websites, you do so entirely at your own risk. We do not accept responsibility or liability for the privacy policies and practices of other websites and therefore recommend that you check the policy on each website you use.

7. Your Data Protection Rights

Under data protection law, you have rights including:

• Your right of access
  You have the right to ask us for copies of your personal information.
• Your right to rectification
  You have the right to ask us to rectify personal information you think is inaccurate. You also have the right to ask us to complete information you think is incomplete.
• Your right to erasure
  You have the right to ask us to erase your personal information in certain circumstances
• Your right to restriction of processing
  You have the right to ask us to restrict the processing of your personal information in certain circumstances.
• Your right to object to processing
  You have the right to object to the processing of your personal information in certain circumstances.
• Your right to data portability
  You have the right to ask that we transfer the personal information you gave us to another organisation, or to you, in certain circumstances.

When receiving a quotation from us, our pricing systems will have made automatic decisions based on the information you have provided - you have the right to query these decisions by contacting us using the details stated under section 1 'Our contact details'.

You are not required to pay any charge for exercising your rights. If you make a request, we have one month to respond to you. If you wish to make a request, please contact us using the details stated under section 1 'Our contact details'.

6. How to Complain

If you have any concerns about our use of your personal information, you can make a complaint to us using the details stated under section 1 'Our Contact Details'.

You can also complain to the Information Commission if you are unhappy with how we have used your data: