Privacy Policy

Umbrella Insurance (“we”, “us”, “our”) is committed to protecting and respecting your privacy. This Privacy Policy explains how we collect, use, disclose and protect your personal data when you use our website umbrellainsurance.ie (the “Website”) or obtain a quote or policy from us.

1. Data Controller

2. What personal data we collect

• Identity & contact details (name, address, email, telephone)
• Driver / vehicle details (driving licence number, car make/model, registration, mileage, no-claims history)
• Policy & claims history
• Payment/billing information
• Usage information (how you use our Website, IP address, browser type, cookies)
• Any other information you provide to us (e.g., via forms, calls, emails)

3. How we collect your data

• Directly from you when you complete forms, obtain a quote, purchase a policy, upload documents or contact us.
• Automatically when you use our Website (via cookies and analytics).
• From third-party sources such as our underwriting partner or credit reference agencies (where applicable).

4. Why we use your data & legal basis

We use your personal data for the following purposes:

• To provide you with quotes, issue and administer your insurance policy.
• To process claims and handle renewals.
• To verify your identity, driver status and vehicle information (legal basis: performance of contract, compliance with legal obligations).
• To send you communications about your policy and renewals (legal basis: performance of contract / legitimate interests).
• For marketing (only where you have given your consent).
• For fraud prevention and to meet regulatory requirements (legal basis: compliance with legal obligations).
• To improve our Website and services (legal basis: legitimate interests).

5. Who we share your data with

• Underwriters, reinsurers, brokers and other insurance service providers.
• Claims handlers, repairers, and suppliers in connection with claims.
• Credit reference and fraud prevention agencies.
• Regulators, law enforcement or courts (where required).
• IT and analytics service providers who help us run our Website and business.

We require all third parties to treat your data securely and only use it for the purposes we specify.

6. Cookies & Tracking

Our Website uses cookies and similar technologies to enhance your browsing experience, analyse site usage and for marketing purposes. You can control or disable cookies via your browser settings — but some features of the Website may then not function properly.

7. International Transfers

Where applicable, your data may be transferred outside the European Economic Area (EEA). We will ensure that appropriate safeguards (e.g., standard contractual clauses) are in place to protect your data.

8. Data Security & Retention

We use appropriate technical and organisational measures to safeguard your information. However, no internet transmission is entirely secure. We will retain your data only as long as necessary to fulfil the purposes described, meet legal obligations or defend our rights.

9. Your Rights

Under the GDPR you have the right to:

• Access the personal data we hold about you.
• Request correction of inaccurate or incomplete data.
• Request erasure of your data (in certain circumstances).
• Restrict or object to processing of your data.
• Request data portability (in certain circumstances).
• Withdraw any consent obtained for marketing.

If you wish to exercise these rights, please contact us at info@umbrellainsurance.ie. You may also lodge a complaint with the Data Protection Commission (DPC) in Ireland.

10. Changes to this Policy

We may update this Privacy Policy from time to time. The date of last revision will be shown at the top. We encourage you to review this page periodically.