COBRA Underwriting Agencies Ltd, as the data controller of your personal information, is committed to ensuring your privacy and personal information is protected in accordance with data protection law.


This Privacy Notice should be brought to the attention of any party who is included in your policy, where you have a legal basis to act on their behalf.


How we collect your personal information?

We collect your personal information:

  • from the policyholder’s insurance advisor via email, our website, in person, in writing or over the telephone
  • from credit reference agencies
  • from websites
  • from the policyholder’s insurers
  • from databases established, for example, to prevent fraud or prevent funding terrorist activity


What personal information do we collect?

Personal information:

  • contact details such as name, email address, postal address and telephone number
  • identification information such as your date of birth and driving licence
  • financial information as a result of our credit checks
  • information relevant to the policyholders insurance
  • information relevant to claims
  • information about the nature of your business and commercial assets
  • details of bankruptcies and other financial sanctions
  • details regarding criminal offences, including alleged offences, criminal proceedings, outcomes and sentences

Special category information:

  • details of your current or former physical or mental health
  • details concerning sexual orientation, for example marital status


How do we use your personal information?

Our legal basis for using your personal information is for legitimate interests pursued by us as an underwriting agency except where such interests are overridden by your interests, rights or freedoms.  We may process your personal information:

  • in order to provide, administer and manage an insurance policy and associated services for the policyholder
  • where we have a legal or regulatory obligation to do so
  • for reasons of substantial public interest, for example to prevent fraud and money laundering


Who do we share your personal information with?

Disclosure of your personal information will only be made where the third party has agreed to keep your information strictly confidential and shall only be used for the specific purpose for which we provide it to them

In order to provide our services, we may share your personal information with:

  • insurance and reinsurance capacity providers
  • service providers associated with the insurance
  • third parties to obtain information which may be used by us to make informed risk selection, pricing and underwriting decisions
  • the police or law enforcement agencies
  • third party service providers such as IT suppliers, auditors and lawyers
  • regulatory bodies such as the Financial Ombudsman Service, Financial Conduct Authority and the Information Commissioner’s Office
  • loss adjusters
  • credit reference agencies
  • other companies within the COBRA Group


How long do we keep records for?

Your information will not be retained for longer than is necessary.  In most cases the retention period will be seven years following the expiry of the insurance contract, or our business relationship with you, unless we are required to retain the information for a longer period due to business, legal or regulatory requirements.  Information relating to long term insurance products such as liability insurance will be retained for an extended period.


Your rights

You are entitled:

  • to a copy of the personal information we hold about you, there will not usually be a charge for dealing with the request
  • to rectification of the information about you if it is incorrect
  • in certain circumstances, to ask us to erase your personal information
  • to request the restriction or suppression of your personal information
  • to object to us processing your personal information
  • to lodge a complaint to the Information Commissioner’s Office via


Contact details

Further information can be obtained by contacting:

COBRA Underwriting Agencies Ltd

Address:        6th Floor Knollys House, 17 Addiscombe Road, Croydon  CR0 6SR

Telephone:     020 8256 1932



Information Commissioner’s Office

Address:        Wycliffe House, Water Lane, Wilmslow  SK9 5AF

Telephone:     0303 123 1113



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COBRA Underwriting Agencies Limited is registered as a company in England and Wales number 04731994 and is authorised and regulated by the Financial Conduct Authority number 307955.
Registered Office - 1 Minster Court, Mincing Lane, London, EC3R 7AA
© COBRA Underwriting Agencies Limited