Privacy Policy

This privacy notice may vary from time to time so please check it regularly. This privacy notice was last updated on 15 June 2026.

This is the privacy notice of True Risk Solutions Ltd whose registered office is at 20 Wenlock Road, London, N1 7GU, England, referred to as we, us or our in this privacy notice.

True Risk Solutions Ltd is an Appointed Representative of CoverTrade Risk Management Ltd which is authorised and regulated by the Financial Conduct Authority (FCA). CoverTrade Risk Management Ltd's firm reference number is 1020148 and True Risk Solutions Ltd's firm reference number is 1055226. You can check these details on the Financial Services Register at www.fca.org.uk.

About This Privacy Notice

This privacy notice sets out how we collect and process your personal data. This privacy notice also provides certain information that is legally required and lists your rights in relation to your personal data.

This privacy notice relates to personal information that identifies you as a natural person (whether you are an actual or potential customer, an individual who browses our website or an individual outside our organisation with whom we interact). We refer to this information throughout this privacy notice as personal data or personal information and further detail of what this includes are set out in this privacy notice below.

The privacy and security of your personal information is very important to us so we want to assure you that your information will be properly managed and protected by us at all times. Please read this privacy notice carefully as it explains how we may collect and use your personal data.

How to Contact Us

Controller and Contact Details

For the purposes of relevant data protection legislation, we are a controller of your personal data. As a controller, we use (or process) the personal data we hold about you in accordance with this privacy notice.

If you need to contact us in connection with the use or processing of your personal data, then you can do so using our contact details as set out below.

Data Protection Officer / Representative

Our Data Protection Officer / Data Protection Representative is Craig Adams who you can contact at craig.adams@truerisksolutions.co.uk.

What Information We Hold About You and Where We Obtain This From

The personal data that we collect about you may include the following information:

• Personal data you provide to us in person, via our website or by telephone
• Personal data you provide when you enquire about insurance, or when you purchase a policy, through us, including information about what and/or who you want to insure, such as property details, business activities or construction project details
• General information about you, such as your name, address, contact details and date of birth
• Personal data you provide if you subscribe to any of our mailing or newsletter services
• Your claims and credit history
• Financial details, such as your bank account and card details
• Criminal convictions
• Information about your use of our website such as your IP address, which is a unique number identifying your computer, including personal data gathered using cookies

We collect your personal data from you as a controller when we obtain quotations for insurance for you, when we set up your policy for you and when we make changes to your policy for you. This may also involve the collection of data from or about others who are associated with you and your insurance policy such as other persons insured on your policies or your employees or representatives. By giving us information about someone else for the purpose of arranging insurance for them under your policy such as a named individual, employee or business partner etc. you confirm that you have their permission to do so and that you have shared this privacy notice with them.

By asking us to arrange a contract of insurance for you where this involves passing information to us relating to children, you confirm to us that in doing so you are the responsible guardian of the child.

We also collect information from publicly available sources and third party databases made available to the insurance industry for the purposes of reducing fraud and financial crime as well as any other third party databases where your personal data may be held, provided such third parties have lawful bases on which to share such personal data with us.

This may include business contact details relating to individuals acting in a professional or business capacity, where such information is publicly available or obtained from reputable third party sources.

How We Use Your Personal Data and the Lawful Basis for Doing So

Where We Are Relying on a Basis Other Than Consent

We may rely on one or more of the following legal bases when processing your personal data for the following purposes:

Performing Contractual Obligations

In order to perform our contractual obligations to you. This would include our fulfilling your requests for insurance services (including obtaining insurance for you, fulfilling requests for mid-term adjustments and obtaining renewals).

The processing is necessary in connection with any contract that you may enter into with us.

Account Administration

To administer your account, including financial transactions for insurance broking.

The processing is necessary in connection with any contract that you may enter into with us.

Fraud Prevention

To assist in the prevention and reduction of fraud and other financial crime.

The processing is necessary for us to comply with the law and our legal requirements.

Call Monitoring and Recording

In the interests of security and to improve our service, telephone calls you make to us may be monitored and/or recorded.

The processing is necessary to pursue our legitimate interest in the management and operation of our business.

Marketing Communications

To let you know about similar products and services that may be of interest to you.

Our lawful basis depends on the channel we use and on who you are. For marketing by email or text message we rely on your consent, except where you are an existing customer and the message concerns similar products and services, in which case we rely on the soft opt-in permitted by the Privacy and Electronic Communications Regulations. Sole traders and most partnerships are treated in the same way as individuals for this purpose, while limited companies and limited liability partnerships are corporate subscribers and are treated differently. For marketing by post or by telephone we rely on our legitimate interest in operating our business, and we screen marketing calls against the Telephone Preference Service where it applies.

You can ask us to stop sending you marketing at any time, using the contact details in this notice or the unsubscribe link in any marketing email, and we will stop.

Fraud Prevention and Detection

To prevent and detect fraud, including checks carried out when a policy is arranged, renewed or claimed on. We do not make automated decisions about you and we do not carry out automated profiling.

The processing is necessary in connection with some contracts that you may enter into with us.

Special Categories of Data and Criminal Convictions

We may also need to collect special categories of data from you such as information about your health, personal data revealing racial or ethnic origin, religious or philosophical beliefs or trade union membership and genetic data. We may also collect information on criminal convictions which we may share with third parties.

The lawful basis on which we can do this is the processing is necessary for reasons of substantial public interest relating to insurance purposes.

Insurance purposes mean (a) advising on, arranging, underwriting or administering an insurance contract (b) administering a claim under an insurance contract or (c) exercising a right or complying with an obligation, arising in connection with an insurance contract, including a right or obligation arising under an enactment or a rule of law.

Who We Pass Your Personal Data To

We may need to pass your personal data to other companies which may include:

• CoverTrade Risk Management Ltd, our principal, and its CoverLife brand, for example where you ask about life cover or income protection, which we do not arrange ourselves
• The insurers, intermediaries and third party service providers that we use for the purpose of arranging and administering your insurance policy. This may also include risk management assessors, uninsured loss recovery agencies, premium finance providers and other third parties involved (directly or indirectly) in the administration of your insurance and its associated benefits
• Firms that provide administration and processing services to us or on our behalf under contract in order to complete activities such as claims handling, IT systems and administrative services and other activities set out in this privacy notice, as well as support activities such as finance and auditing services
• Organisations that have a specific role laid out in law, such as statutory bodies, regulatory authorities and other authorised bodies
• Other organisations where we have a duty to or are permitted to disclose your personal information by law, for example if we received a valid request from the police or other third party organisation in the interest of preventing and detecting crime
• Fraud prevention agencies and operators of registers available to the insurance industry to check information and prevent fraud
• Credit reference agencies to check your credit history. This check will be recorded on your credit reference file without affecting your ability to apply for credit or other financial products
• Third parties we use to recover money you may owe us or to whom we may sell your debt
• Another company, if our business or part of it is bought or taken over by that company to make sure your insurance policy can continue to be serviced or as part of preliminary discussions with that company about a possible sale or take over

The information you share with us may be transferred by us or any of the types of firms or organisations we have noted above, to other countries in order for processing to take place, including locations outside of the UK. We will only do so if there are adequate levels of protection in place as required by applicable data protection laws.

Accessing Our Website and Cookies

When you visit our website, we may collect information from you such as your email address, IP address and other online identifiers. This helps us to track unique visits and monitor patterns of customer website traffic, such as who visits and why they visit. We may use third parties to collate IP addresses to help us understand our Internet traffic data and data regarding your browser type and computer. We may also use web usage information to create statistical data regarding the use of our website. We may then use or disclose that statistical data to others for marketing and strategic development purposes, but no individuals will be identified in such statistical data.

We may use cookies and/or pixel tags on some pages of our website. A cookie is a small text file sent to your computer, mobile phone or tablet depending on the device used to access our website. A pixel tag is an invisible tag placed on certain pages of our website, but not on your computer. Pixel tags usually work together with cookies to help us to give you a more tailored service. We may also use cookies and pixel tags in our email communication to personalise the email and track whether the email has been opened and whether the recipient has used any website links contained in the email communication. This allows us to monitor and improve our email communications and website. Useful information about cookies, including how to remove them, can be found at allaboutcookies.org.

Internet browsers normally accept cookies by default, although it's possible to set a browser to reject cookies. However, refusing to accept cookies may restrict your use of our website and/or delay or affect the way in which our website operates.

The open nature of the internet is such that data may flow over networks without security measures and may be accessed and used by people other than those for whom the data is intended. While this is outside of our control, we do take the protection of your information very seriously and aim to apply appropriate levels of security at all times.

Telephone Recording

Telephone conversations with us may be recorded, for the reasons set out under Call Monitoring and Recording above. This notice is how we tell you that recording takes place. Because we rely on our legitimate interests for this, you have the right to object to it, and you can raise an objection with us at any time using the contact details in this notice. Telephone recordings will be stored securely for no longer than necessary and you have the right to request a copy where this is still available. The call recordings will only be passed to third parties where we have a legal right or legal obligation to do so.

Payment card data is protected in accordance with the Payment Card Industry Data Security Standard (PCI DSS) and our system prevents us from recording Sensitive Authentication Data (SAD) or where this is not possible, is immediately deleted after card authorisation.

Your Rights

We will only store your data for as long as is necessary to comply with the requirements of your insurance contract(s) and any legal obligations or lawful processing conditions that may exist as a result. You have a number of rights concerning the personal information we use, which you may ask us to observe. In some cases, even when you make a request concerning your personal information, we may not be required, or be able to carry out your request as this may result in us not being able to fulfil our legal and regulatory obligations under the lawful processing conditions under which we hold your data or because there is a minimum statutory period of time for which we have to keep your information. If this is the case, we'll let you know our reasons.

You can ask us to:

• Provide a copy of your personal information
• Correct or delete unnecessary or inaccurate personal information
• Restrict or to object to the use of your personal information at any time
• Object to any automated decision, including profiling. We do not make automated decisions about you, although an insurer may use automated underwriting when pricing a quotation. Where an automated decision has been made we will advise you of this and of your rights
• Provide your personal data in a structured, commonly used and machine-readable format and to have your personal data transferred to another controller. This right only applies where our processing of your personal data is automated and the processing took place initially with your consent or for the performance of a contract with you
• Where we rely on your consent to use your personal information, you can withdraw that consent at any time. Where your consent is withdrawn, your previous consent will remain valid in respect of our use of your information prior to the date you withdrew it, or if any marketing material has been sent prior to you advising that you don't want us to contact you again

If you have any questions or concerns about this privacy notice or your data protection rights, please contact Craig Adams at craig.adams@truerisksolutions.co.uk.

You also have the right to make an enquiry or to complain to the Information Commissioner's Office (ICO) if you are unhappy with our use of your data, or if you think we have breached a legal requirement. Further details about the ICO are available at: www.ico.org.uk

How We Contact You About Other Products and Services

We may from time to time process your personal data to let you know about similar products and services that may be of interest to you. This is because we value your custom and we pride ourselves in offering professional and tailored advice which meets your specific insurance needs. This includes keeping you informed on the latest insurance and industry information and details of any offers or promotions relating to the insurance services we provide to you. Our lawful basis for processing your personal data in this way is as is necessary to pursue the legitimate interests of our business, unless we have otherwise obtained your consent to do so. We may contact you by post, telephone or e-mail. You will be given the option to stop receiving any communications from us in this regard at any time however please note that this will not affect us contacting you about the servicing of products that you have specifically requested from us.

In some cases, we may contact individuals acting in a business or professional capacity using business contact details that are publicly available or obtained from reputable third party sources. Our lawful basis for this processing is our legitimate interest in promoting relevant insurance services to businesses who may reasonably benefit from them. You may object to this processing at any time.