Privacy Policy
Last updated: 12 June 2026
This policy explains how Float Insure collects and uses your personal information when you get a quote, apply for cover, or talk to us — through this website, our chat assistant, SMS, WhatsApp, email, or over the phone. It also explains your rights under UK data protection law.
Our quote-and-apply journey is delivered using technology provided by Subcontext, which processes some of your data on our behalf. This policy is complete on its own, but for the technical detail of how the platform and its suppliers handle your data — including the current list of sub-processors and how the AI assistant works — see the Subcontext Consumer Notice.
1. Who we are
Float Insure is a UK insurance broker. We help you find, apply for, and set up life and health insurance cover. For the information we collect about you, we are the data controller.
- Registered name: Float Insure Ltd, a company registered in England and Wales (Company No. 15728004)
- Registered office: 20 Water Lane, London, EC3R 5AF
- Authorised and regulated by the Financial Conduct Authority (FCA), firm reference 987654
- Registered with the Information Commissioner's Office (ICO) under reference ZA483921
- Privacy contact / Data Protection Officer: privacy@float.insure
Other organisations that handle your information include the insurer and reinsurance partners who underwrite your cover (including Example Re) — each a separate controller for their own purposes — and Subcontext, our technology provider, which runs our journey as a processor on our instructions.
2. The information we collect
Information you give us during the journey:
- Identity and contact details — your first name and postcode early on, then your full name, date of birth, email address, phone number, and home address.
- Your reasons for seeking cover — a free-text answer to "what's got you thinking about cover?", and anything else you tell us in the conversation.
- Cover details — the amount of cover and the term you want, and your age.
- Health and lifestyle information — to give you an accurate quote and arrange cover, we ask about things like your height and weight, medical history, whether you're waiting for any test results, recent symptoms, nicotine or smoking use, and whether your occupation involves particular hazards. This is special category data — see section 3.
- Payment and bank details — if you go ahead, your Direct Debit details (account holder name, sort code, account number) and/or card details. Card details are entered directly into our payment provider's secure form and do not pass through our or Subcontext's systems.
Information collected automatically. When you use our journey, the platform also records technical information on our behalf — including your IP address, device/browser, session identifiers stored in your browser, usage and security logs, and a transcript of your conversation. Because you may type personal or health details into the chat, the transcript can contain that information. This is described in full in the Subcontext Consumer Notice.
Information from other sources. We may receive information from address and phone-number validation services, the insurer who underwrites your cover, and fraud-prevention and anti-money-laundering checks.
3. Health and other special category data
The health and lifestyle answers we collect are "special category" data under UK GDPR and are given extra protection. We collect them only to assess your application, obtain an accurate quote, and arrange and administer your cover. We rely on:
- Your explicit consent (UK GDPR Article 9(2)(a)), which you can withdraw at any time; and/or
- the insurance condition for processing special category data (Data Protection Act 2018, Schedule 1, Part 2).
If you choose not to provide this information, we may not be able to give you an accurate quote or arrange cover.
4. How and why we use your information
| What we use it for | Lawful basis |
|---|---|
| Giving you a quote and processing your application | Performance of a contract (and steps to enter one) |
| Arranging, setting up, and administering your policy and Direct Debit | Contract; legal obligation |
| Health/lifestyle assessment for underwriting | Explicit consent and/or the insurance condition |
| Keeping the service secure, preventing fraud, and improving it | Legitimate interests |
| Meeting our regulatory obligations (FCA, anti-money-laundering, complaints) | Legal obligation |
| Sending you marketing, or recording calls where optional | Consent |
Where we rely on legitimate interests, we balance them against your rights; you can object (see section 11).
5. Automated processing and AI
Our journey uses automation and an AI assistant:
- Indicative quotes are generated automatically from the information you provide.
- The AI assistant that guides the chat is powered by a third-party AI model and processes your messages — which may include health information — to respond and help prepare your quote. Technical detail is in the Subcontext Consumer Notice.
- You can always ask to speak to a person. Where a decision would significantly affect you, you have the right to human review by one of our advisers before it is finalised, to express your point of view, and to contest it.
6. Who we share your information with
We share your information only as needed to provide and administer your cover, including with: the insurer(s) and reinsurer(s) who underwrite your policy (including Example Re); Subcontext, our technology provider, which uses the sub-processors (hosting, AI, messaging, payments, address/phone validation) listed in the Subcontext Consumer Notice; regulators, law enforcement, and fraud-prevention agencies where we are legally required or permitted to; and professional advisers where necessary.
We do not sell your personal information, and we do not use third-party advertising trackers in the journey.
7. Sending data outside the UK
We aim to keep your information in the UK or EU. Some of the suppliers used to run the journey (for example payment, messaging, and AI-voice services) may process data outside the UK. Where that happens, it is protected by appropriate safeguards such as the UK International Data Transfer Agreement, the UK Addendum to the EU Standard Contractual Clauses, or a UK adequacy decision. The specific suppliers and locations are listed in the Subcontext Consumer Notice.
8. Cookies and similar technologies
The embedded journey uses your browser's local storage to hold a session token and visitor identifier. These are strictly necessary to keep your conversation connected and are not used for advertising or cross-site tracking. For full detail of the local storage and third-party scripts used by the platform, see the Subcontext Consumer Notice.
9. Marketing and your preferences
We will only send you marketing where you have agreed to it. You can opt out at any time — by using the unsubscribe link in any email, replying STOP to a text message, or contacting us. We keep a record of your communication preferences for each channel so we can respect your choices. Opting out of marketing does not stop service messages about a policy you hold.
10. How long we keep your information
- If you take out cover, we keep your policy and related records for the period required by insurance and financial regulation — typically around 6 years after your cover ends.
- If you get a quote or start an application but don't proceed, we keep that information for a shorter period (around 2 years).
- Security and usage logs, and voice-call recordings where calls are recorded, are kept for limited periods as described in the Subcontext Consumer Notice.
11. Your rights
Under UK GDPR you have the right to access your information, ask us to correct or delete it, restrict or object to how we use it (including objecting to processing based on legitimate interests), request data portability, withdraw consent where we rely on it (including for health data and marketing), and rights in relation to automated decisions, including asking for human review (see section 5).
To exercise any of these, contact us at privacy@float.insure. We will respond within one month. Exercising these rights is free, and withdrawing consent won't affect the lawfulness of anything we did beforehand — though it may affect our ability to provide a quote or cover.
If you're unhappy with how we've handled your information, you can complain to the Information Commissioner's Office (ICO) at ico.org.uk or 0303 123 1113. We'd appreciate the chance to put things right first.
12. Children
Our service is intended for adults aged 18 or over. We do not knowingly collect information from children.
13. Changes to this policy
We may update this policy from time to time. The "last updated" date at the top shows the current revision, and we will tell you about significant changes where appropriate.
14. Contact us
- Privacy enquiries: privacy@float.insure
- Data Protection Officer: dpo@float.insure
- By post: Data Protection, Float Insure Ltd, 20 Water Lane, London, EC3R 5AF
You can also contact the ICO at ico.org.uk.