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1. Important information and who we are

This privacy policy gives you information about how Coplus, a trading name of Motorplus Limited, collects and uses your personal data through your use of this website, including any data you may provide when you register with us or purchase a product or service.

This website is not intended for children and we do not knowingly collect data relating to children.

Controller

Motorplus Limited is the controller and responsible for your personal data (collectively referred to as "Coplus", "we", "us" or "our" in this privacy policy).

We have appointed a data protection officer (DPO) who is responsible for overseeing questions in relation to this privacy policy. If you have any questions about this privacy policy, including any requests to exercise your legal rights (paragraph 9), please contact the DPO using the information set out in the contact details section (paragraph 10).

2. The types of personal data we collect about you

Personal data means any information about an individual from which that person can be identified.

We may collect, use, store and transfer different kinds of personal data about you which we have grouped together as follows:

Identity Data includes first name, last name, any previous names, username or similar identifier, marital status, title, date of birth and gender.
Contact Data includes billing address, delivery address, email address and telephone numbers.
Financial Data includes bank account and payment card details.
Transaction Data includes details about payments to and from you and other details of products and services you have purchased from us.
Technical Data includes internet protocol (IP) address, your login data, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform, device ID and other technology on the devices you use to access this website.
Profile Data includes purchases or orders made by you, your interests, preferences, feedback and survey responses. Where relevant to the product you might enquire about or purchase, we might also collect vehicle registration numbers which, for the purposes of this policy, we consider personal data.
Usage Data includes information about how you interact with and use our website, products and services.
Marketing and Communications Data includes your preferences in receiving marketing from us and our third parties and your communication preferences.

We also collect, use and share aggregated data such as statistical or demographic data which is not personal data as it does not directly (or indirectly) reveal your identity. For example, we may aggregate individuals' Usage Data to calculate the percentage of users accessing a specific website feature in order to analyse general trends in how users are interacting with our website to help improve the website and our service offering.

3. How is your personal data collected?

We use different methods to collect data from and about you including through:

Your interactions with us. You may give us your personal data by filling in online forms or by corresponding with us by post, phone, email or otherwise. This includes personal data you provide when you:
- apply for our products or services;
- request marketing to be sent to you;
- enter a competition, promotion or survey; or
- give us feedback or contact us.
Automated technologies or interactions. As you interact with our website, we will automatically collect Technical Data about your equipment, browsing actions and patterns. We collect this personal data by using cookies, server logs and other similar technologies. Please see our cookie policy for further details.
Third parties or publicly available sources. We may receive personal data about you from various third parties as set out below:
Technical Data is collected from the following parties:
- analytics providers Microsoft Azure based outside the UK;

4. How we use your personal data

Legal basis

The law requires us to have a legal basis for collecting and using your personal data. We rely on one or more of the following legal bases:

Performance of a contract with you: Where we need to perform the contract we are about to enter into or have entered into with you.
Legitimate interests: We may use your personal data where it is necessary to conduct our business and pursue our legitimate interests, for example to prevent fraud and enable us to give you the best and most secure customer experience. We make sure we consider and balance any potential impact on you and your rights (both positive and negative) before we process your personal data for our legitimate interests. We do not use your personal data for activities where our interests are overridden by the impact on you (unless we have your consent or are otherwise required or permitted to by law).
Legal obligation: We may use your personal data where it is necessary for compliance with a legal obligation that we are subject to. We will identify the relevant legal obligation when we rely on this legal basis.
Consent: We rely on consent only where we have obtained your active agreement to use your personal data for a specified purpose, for example if you subscribe to an email newsletter.

Purposes for which we will use your personal data

We have set out below, in a table format, a description of all the ways we plan to use the various categories of your personal data, and which of the legal bases we rely on to do so. We have also identified what our legitimate interests are where appropriate.

Purpose/Use	Type of data	Legal basis and retention period
To register you as a new customer	Identity Contact	Performance of a contract with you Necessary to comply with a legal obligation We will retain this data for so long as we are required to hold it for as per Clause 8.
To process and deliver your order including: Manage payments, fees and charges Collect and recover money owed to us Managing, arranging and administering your insurance product, including renewal, where applicable	Identity Contact Transaction Marketing and Communications	Performance of a contract with you Necessary for our legitimate interests (to recover debts due to us) We will retain this data for so long as we are required to hold it for as per Clause 8.
To manage our relationship with you which will include: Notifying you about changes to our terms or privacy policy Dealing with your requests, complaints and queries Managing, arranging and administering your insurance product, including renewal	Identity Contact Profile Marketing and Communications	Performance of a contract with you Necessary to comply with a legal obligation Necessary for our legitimate interests (to keep our records updated and manage our relationship with youn We will retain this data for so long as you remain a customer of ours, except where we are required to hold it for longer as per Clause 8.
To enable you to partake in a prize draw, competition or complete a survey	Identity Contact Profile Usage Marketing and Communications	Performance of a contract with you Necessary for our legitimate interests (to study how customers use our products/services, to develop them and grow our business) We will retain this data for so long as you remain a customer of ours, except where we are required to hold it for longer as per Clause 8.
To administer and protect our business and this website (including troubleshooting, data analysis, testing, system maintenance, support, reporting and hosting of data)	Identity Contact Technical	Necessary for our legitimate interests (for running our business, provision of administration and IT services, network security, to prevent fraud and in the context of a business reorganisation or group restructuring exercise) Necessary to comply with a legal obligation We will retain this data for so long as we are required to hold it for as per Clause 8.
To deliver relevant website content and online advertisements to you and measure or understand the effectiveness of the advertising we serve to you	Identity Contact Profile Usage Marketing and Communications Technical	Necessary for our legitimate interests (to study how customers use our products/services, to develop them, to grow our business and to inform our marketing strategy) We will retain this data for so long as we are required to hold it for as per Clause 8.
To use data analytics to improve our website, products/services, customer relationships and experiences and to measure the effectiveness of our communications and marketing	Technical Usage	Necessary for our legitimate interests (to define types of customers for our products and services, to keep our website updated and relevant, to develop our business and to inform our marketing strategy) We will retain this data for so long as we are required to hold it for as per Clause 8.
To send you relevant marketing communications and make personalised suggestions and recommendations to you about products or services that may be of interest to you based on your Profile Data	Identity Contact Technical Usage Profile Marketing and Communications	Necessary for our legitimate interests (to carry out direct marketing, develop our products/services and grow our business) We will retain this data for so long as you remain a customer of ours, except where we are required to hold it for longer as per Clause 8.
To carry out market research through your voluntary participation in surveys		Necessary for our legitimate interests (to study how customers use our products/services and to help us improve and develop our products and services). We will retain this data for so long as you remain a customer of ours, except where we are required to hold it for longer as per Clause 8.

Direct marketing

You will receive marketing communications from us if you have requested information from us or purchased services from us and you have not opted out of receiving the marketing.

We may also analyse your Identity, Contact, Technical, Usage and Profile Data to form a view which products, services and offers may be of interest to you so that we can then send you relevant marketing communications.

Third-party marketing

We will get your express consent before we share your personal data with any third party for their own direct marketing purposes.

Opting out of marketing

You can ask to stop sending you marketing communications at any time by logging into the website and checking or unchecking relevant boxes to adjust your marketing preferences.

If you opt out of receiving marketing communications, you will still receive service-related communications that are essential for administrative or customer service purposes for example relating to order confirmations for a product/service warranty registration, appointment reminders, updates to our Terms and Conditions, checking that your contact details are correct.

Cookies

For more information about the cookies we use and how to change your cookie preferences, please see our Cookie Policy

5. Disclosures of your personal data

We may share your personal data where necessary with the parties set out below for the purposes set out in the table Purposes for which we will use your personal data above.

Internal Third Parties as set out in paragraph 13;
External Third Parties as set out in paragraph 13; and
Third parties to whom we may choose to sell, transfer or merge parts of our business or our assets. Alternatively, we may seek to acquire other businesses or merge with them. If a change happens to our business, then the new owners may use your personal data in the same way as set out in this privacy policy.

We require all third parties to respect the security of your personal data and to treat it in accordance with the law. We do not allow our third-party service providers to use your personal data for their own purposes and only permit them to process your personal data for specified purposes and in accordance with our instructions.

6. International transfers

We may transfer your personal data to service providers that carry out certain functions on our behalf. This may involve transferring personal data outside the UK to countries which have laws that do not provide the same level of data protection as the UK law.

Whenever we transfer your personal data out of the UK to service providers, we ensure a similar degree of protection is afforded to it by ensuring that the following safeguards are in place:

We will only transfer your personal data to countries that have been deemed by the UK to provide an adequate level of protection for personal data.
We may use specific standard contractual terms approved for use in the UK which give the transferred personal data the same protection as it has in the UK, namely the International Data Transfer Agreement or Data Privacy Framework.

7. Data security

We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed. In addition, we limit access to your personal data to those employees, agents, contractors and other third parties who have a business need to know. They will only process your personal data on our instructions and they are subject to a duty of confidentiality.

We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so.

8. Data retention

How long will you use my personal data for?

We will only retain your personal data for as long as reasonably necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, regulatory, tax, accounting or reporting requirements. We may retain your personal data for a longer period in the event of a complaint or if we reasonably believe there is a prospect of litigation in respect to our relationship with you.

To determine the appropriate retention period for personal data, we consider the amount, nature and sensitivity of the personal data, the potential risk of harm from unauthorised use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal, regulatory, tax, accounting or other requirements.

By law we have to keep basic information about our customers (including Contact, Identity, Financial and Transaction Data) for six years after they cease being customers for tax purposes.

For further information about how long we will retain your personal data, please contact us for further information.

In some circumstances you can ask us to delete your data: see paragraph 9 below for further information.

9. Your legal rights

You have a number of rights under data protection laws in relation to your personal data.

You have the right to:

Request access to your personal data (commonly known as a "subject access request"). This enables you to receive a copy of the personal data we hold about you and to check that we are lawfully processing it.
Request correction of the personal data that we hold about you. This enables you to have any incomplete or inaccurate data we hold about you corrected, though we may need to verify the accuracy of the new data you provide to us.
Request erasure of your personal data in certain circumstances. This enables you to ask us to delete or remove personal data where there is no good reason for us continuing to process it. You also have the right to ask us to delete or remove your personal data where you have successfully exercised your right to object to processing (see below), where we may have processed your information unlawfully or where we are required to erase your personal data to comply with local law. Note, however, that we may not always be able to comply with your request of erasure for specific legal reasons which will be notified to you, if applicable, at the time of your request.
Object to processing of your personal data where we are relying on a legitimate interest (or those of a third party) as the legal basis for that particular use of your data (including carrying out profiling based on our legitimate interests). In some cases, we may demonstrate that we have compelling legitimate grounds to process your information which override your right to object.
You also have the absolute right to object any time to the processing of your personal data for direct marketing purposes (see paragraph 4 for details of how to object to receiving direct marketing communications).
Request the transfer of your personal data to you or to a third party. We will provide to you, or a third party you have chosen, your personal data in a structured, commonly used, machine-readable format. Note that this right only applies to automated information which you initially provided consent for us to use or where we used the information to perform a contract with you.
Withdraw consent at any time where we are relying on consent to process your personal data (see the table in section 4 for details of when we rely on your consent as the legal basis for using your data). However, this will not affect the lawfulness of any processing carried out before you withdraw your consent. If you withdraw your consent, we may not be able to provide certain products or services to you. We will advise you if this is the case at the time you withdraw your consent.
Request restriction of processing of your personal data. This enables you to ask us to suspend the processing of your personal data in one of the following scenarios:
- If you want us to establish the data's accuracy;
- Where our use of the data is unlawful but you do not want us to erase it;
- Where you need us to hold the data even if we no longer require it as you need it to establish, exercise or defend legal claims; or
- You have objected to our use of your data but we need to verify whether we have overriding legitimate grounds to use it.

If you wish to exercise any of the rights set out above, please contact us through the details provided in paragraph 10.

No fee usually required

You will not have to pay a fee to access your personal data (or to exercise any of the other rights). However, we may charge a reasonable fee if your request is clearly unfounded, repetitive or excessive. Alternatively, we could refuse to comply with your request in these circumstances.

What we may need from you

We may need to request specific information from you to help us confirm your identity and ensure your right to access your personal data (or to exercise any of your other rights). This is a security measure to ensure that personal data is not disclosed to any person who has no right to receive it. We may also contact you to ask you for further information in relation to your request to speed up our response.

Time limit to respond

We try to respond to all legitimate requests within one month. Occasionally it could take us longer than a month if your request is particularly complex or you have made a number of requests. In this case, we will notify you and keep you updated.

10. Contact details

If you have any questions about this privacy policy or about the use of your personal data or you want to exercise your privacy rights, please contact our DPO in the following ways:

Email address: dpo@coplus.co.uk
Postal address: Floor 2, Norfolk Tower, Surrey Street Norwich, NR1 3PA.

11. Complaints

You have the right to make a complaint at any time to the Information Commissioner’s Office (ICO), the UK regulator for data protection issues (www.ico.org.uk). We would, however, appreciate the chance to deal with your concerns before you approach the ICO so please contact us in the first instance.

12. Changes to the privacy policy and your duty to inform us of changes

We keep our privacy policy under regular review. This version was last updated on 30/06/25.

It is important that the personal data we hold about you is accurate and current. Please keep us informed if your personal data changes during your relationship with us, for example a new address or email address.

13. Third-party links

This website may include links to third-party websites, plug-ins and applications. Clicking on those links or enabling those connections may allow third parties to collect or share data about you. We do not control these third-party websites and are not responsible for their privacy statements. When you leave our website, we encourage you to read the privacy policy of every website you visit.

Internal Third Parties

Other companies in the Coplus Group acting as joint controllers or processors and who are based in the United Kingdom and undertake management provisions and leadership reporting.

External Third Parties

Service providers acting as processors based within the United Kingdom who provide IT and system administration services.
Credit check and referencing providers acting as processors based within the United Kingdom who provide credit referencing checks on our behalf.
Professional advisers acting as processors or joint controllers including payroll providers, lawyers, bankers, auditors and insurers based in within the United Kingdom who provide consultancy, payroll, banking, legal, insurance and accounting services.
HM Revenue & Customs, regulators and other authorities acting as processors or joint controllers based in the United Kingdom who require reporting of processing activities in certain circumstances.
Insurance underwriters relevant to the insurance product applicable to you, where relevant, acting as joint controllers based in the United Kingdom who are involved in the application of the relevant insurance product, including renewal matters.

Our website uses cookies to distinguish you from other users of our website. This helps us to provide you with a good experience when you browse our website and also allows us to improve our site.

A cookie is a small file of letters and numbers that we store on your browser or the hard drive of your computer if you agree. Cookies contain information that is transferred to your computer's hard drive.

We use the following cookies:

Strictly necessary cookies. These are cookies that are required for the operation of our website. These essential cookies are always enabled because our website won’t work properly without them. They include, for example, cookies that enable you to log into secure areas of our website, use a shopping cart or make use of e-billing services. You can switch off these cookies in your browser settings but you may then not be able to access all or parts of our website.
Analytical or performance cookies. These allow us to recognise and count the number of visitors and to see how visitors move around our website when they are using it. This helps us to improve the way our website works, for example, by ensuring that users are finding what they are looking for easily.
Functionality cookies. These are used to recognise you when you return to our website. This enables us to personalise our content for you, greet you by name and remember your preferences (for example, your choice of language or region).

You can find more information about the individual cookies we use and the purposes for which we use them in the table below:

Cookie Name	Purpose	Expiry
ARRAffinity	Identifies which server instance the user’s session data is on	Session
ARRAffinitySameSite	Created by Azure to ensure requests are directed to the correct instance	Session
ASP.NET_SessionId	A unique identifier used to look-up data server side	Session
_RequestVerificationToken	Prevents cross-site request forgery attacks	Session
marketingReferralWithUri	Tracks which site they entered the system from, if any	Session
agent	Authentication for a logged-in agent (on agent sites)	Session
ai_user	Used by application insights in azure	Session
cookiesession1	Fortiweb WAF cookie	Session
sessionExpirationWarningTime	Used to determine when to warn of session expiry	Session
pageUnloaded	Used when logging page load times	Session
CustomerAuth_	Customer portal authentication cookie	Session
ai_session	Used by application insights in azure	Session
__Host-ASP.NET_SessionId	Used to keep the ID of the current session	Session
__Host-SessionExpirationWarningTime	Used by the session expiration warning pop-up	Session
cookie_consent_level	Tracks user choice	365 Days
cookie_consent_user_accepted	Confirms cookie consent use	365 Days
cookie_consent_user_consent_token	Identifier for users consent	365 Days

Third Party Cookies

We use Google Analytics to collect information about how visitors use our website. Google Analytics sets cookies to collect data such as how long visitors spend on the site, the pages they visit, how they arrived, and what they click on. This information helps us improve the website and may also support advertising and marketing efforts. These cookies will only be set with your consent. You can manage your preferences at any time through our cookie settings. For more information about how Google uses your information, see Google's Privacy & Terms.

Accepting or Rejecting Cookies

You’re in control of the cookies that we store and you can use your Cookie Settings to manage them for this and future visits to our website.

If you use your browser settings to block all cookies you may not be able to access all or parts of our website.

Cookie Settings

The options you selected in the panel will be remembered when you visit the site in the future. You can change your settings at any time.

If you have any questions or concerns about our use of cookies, please send us an email at dpo@coplus.co.uk.

Important – Please read carefully before you buy or use our site.

By using this site or purchasing a policy, you confirm that you have read, understood, and agree to these Terms.

1. Who We Are and How to Contact Us

This website is operated by Coplus, a trading name of Motorplus Limited (“we”, “our”, “us”). We are registered in England and Wales, Company No. 03092837 and have our registered office at Speed Medical House, Eaton Avenue, Buckshaw Village, Chorley, Lancashire, PR7 7NA. Our main trading address is Floor 2, Norfolk Tower, 48-52 Surrey Street, Norwich, NR1 3PA. Our VAT number is 303 1937 33.

Motorplus Limited is authorised and regulated by the Financial Conduct Authority (FCA), registration number 309657. You can check our details at www.fca.org.uk/register

To contact us, please email customersupport@coplus.co.uk.

2. Our Role and the Insurer

We are an insurance intermediary, authorised to arrange, administer, and handle claims for your policy.

We act on behalf of the insurer, not on your behalf, when providing and servicing your policy.

The name of your insurer will be shown in your policy documentation and Insurance Product Information Document (IPID).

3. Our Services

We will:

Arrange and administer your insurance policy
Provide key information before you buy
Manage your claims (where applicable)
Handle complaints in line with FCA requirements

We do not provide personal recommendations or advice about which product is right for you.

4. How We Are Paid

We receive payment from the insurer for arranging and administering your policy. This may include commission or profit-share arrangements. You may ask us for details of the exact amount we receive for your policy.

5. Complaints

If you have a complaint about the sale or the handling of a claim, please contact:

The Quality Assurance Manager
Coplus
Floor 2
Norfolk Tower
48-52 Surrey Street
Norwich
NR1 3PA
Telephone: 0333 241 3360
Email: qualityteam@coplus.co.uk

If we cannot resolve your complaint, you may contact the Financial Ombudsman Service:

The Financial Ombudsman Service
Exchange Tower
London
E14 9SR
Telephone: 0800 023 4567 (free for people calling from a landline) or 0300 1239 123
Email: complaint.info@financial-ombudsman.org.uk

6. FSCS Protection

If the insurer or Coplus cannot meet their financial obligations, you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS).

See www.fscs.org.uk for more details.

7. Using Our Website

Our site is made available free of charge for customers in the United Kingdom only.

We may update, suspend or withdraw the site without notice.

You must keep any login or password details confidential and notify us immediately if you believe they have been compromised (dpo@coplus.co.uk).

You may not copy, scrape, mine, or reuse content or data from this site for any purpose, including AI model training.

All site content and materials are owned by or licensed to us. You may print or download pages for your personal use but not modify or reproduce them for commercial use without permission.

8. Intellectual Property and Trademarks

COPLUS and CO-PLUS are UK registered trademarks of Motorplus Limited.

You are not permitted to use them without our approval.

9. Links and Third-Party Sites

Our site may contain links to other websites or services.

These are provided for information only — we have no control over and are not responsible for their content or accuracy.

10. Data Protection and Privacy

We collect and process personal data in line with our Privacy Policy

Your information may be shared with insurers, service providers, or regulators for policy administration, claims handling, fraud prevention, or compliance purposes.

11. Liability

We do not exclude or limit our liability to you where it would be unlawful to do so.

We are not liable for losses resulting from use of the site for commercial purposes or any loss of profit, business, or opportunity.

If defective digital content that we have supplied damages your device or digital content, and this is caused by our failure to use reasonable care and skill, we will either repair the damage or pay compensation.

12. Governing Law

Please note that these terms of business, their subject matter and their formation, are governed by English law. We both agree that the courts of England and Wales will have exclusive jurisdiction, except that if you are a resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are a resident of Scotland, you may also bring proceedings in Scotland.

13. Customer Declaration

By proceeding you confirm that you:

Have read and understood these Terms of Business
Understand that Coplus acts on behalf of the insurer
Wish to proceed with your purchase or continued use of the site