Privacy policy
Updated: January 2026 Identity: Instant Underwriting is a trading style of I.M.S. (London) Limited.
1. Who We Are I.M.S. (London) Limited (“we”, “us”, “our”) is the Data Controller for your information. We are authorised and regulated by the Financial Conduct Authority (FRN 300186). We are committed to protecting your privacy. This notice explains how we collect, use, and share your personal data.
2. The Data We Collect To provide you with insurance quotes and policy coverage, we may collect:
Personal Information: Name, address, contact details, and financial information.
Special Category Data: Health or medical information, which is necessary for certain insurance products.
Criminal Convictions: Data relating to previous offences, where required for underwriting purposes.
3. Why We Process Your Data (Legal Basis) We process your data under the following legal grounds provided by the UK Data Protection Act 2018:
Contract: To provide you with a quote, arrange your insurance, or handle a claim.
Legal Obligation: To meet our regulatory requirements with the FCA and other authorities.
Substantial Public Interest: UK law allows us to process “special category” data (like health) and criminal records specifically for the purpose of underwriting and administering insurance contracts.
Legitimate Interests: To improve our services and prevent fraud.
4. Sharing Your Data We do not sell your data. However, to arrange your insurance, we may share your information with:
Insurers and Reinsurers: To obtain quotes and coverage.
Claims Handlers and Loss Adjusters: To process any claims you make.
Fraud Prevention Agencies: To verify identity and prevent financial crime.
Regulatory Bodies: Such as the FCA, the Financial Ombudsman, or the ICO.
5. International Transfers If we transfer your data outside the UK or EEA, we ensure appropriate safeguards are in place to protect your information in line with UK data protection laws.
6. Data Retention We retain your personal data only for as long as is necessary to fulfill our contractual and regulatory obligations. Typically, insurance records are kept for a minimum period (e.g., 7 years) after the expiry of a policy to handle any potential claims or complaints.
7. Your Rights Under data protection law, you have specific rights regarding your personal information:
Right of Access: You can request a copy of the information we hold about you.
Right to Rectification: You can ask us to correct data that is inaccurate.
Right to Erasure: You can ask us to delete your data, though this may not apply if we are legally required to keep it for insurance records.
Right to Object: You can object to us processing your data for marketing or profiling.
8. Security We use appropriate technical and organizational measures to secure your data, including encryption of data in transit and at rest, and strict access controls for our staff.
9. Contact Us If you have any questions about this policy or wish to exercise your rights, please contact our Data Privacy Representative:
Name: Turul Brown (Managing Director)
Email: [email protected]
Registered Address: The Town House, 114-116 Fore Street, Hertford, England, SG14 1AJ.
If you are unhappy with how we have handled your data, you have the right to lodge a complaint with the Information Commissioner’s Office (ICO).
